Insurance

Whether you have just a few assets or own multiple homes, automobiles, and businesses, insurance coverage is vital. Protecting your assets, managing risks, and making sure you have the best coverage for the best price is part of our daily goal here at InsuranceHub. We enjoy getting to know each of our clients and helping them identify the insurance coverages that are right for them. We can’t see the future and we don’t know when disaster will strike, so it’s essential to be prepared for anything.

We understand that you need a policy that’s crafted to protect you from your specific risks, not just a one-size-fits-all plan. You’re one of a kind, so your insurance policy should be, too! Our goal is to not only make insurance easy but also to become a trusted advisor and partner to each and every client. We can help you pinpoint all of the risks that you face, and we can help you get the coverage you need to be protected from them.

A car insurance myth is that car insurance for women can cost less than insurance for men.

Does car insurance for women really cost less than car insurance for men?

July 2, 2021April 9, 2018

There are many car insurance myths that are full of bologna, but there is one that actually holds a little bit of truth (well, depending on the circumstances.) Have you ever heard that there’s a difference between the rates women pay for car insurance and the rates men pay for car insurance? Maybe you’ve wondered if that’s actually accurate. Maybe you’ve doubted that such a thing could be.

But here’s the truth of the matter:

Car insurance for women is often less expensive than car insurance for men.

There is a good amount of reasoning behind it – it’s not an arbitrary trend (because nothing in insurance is arbitrary.) And note that we say often. It’s not a rule that’s true for everyone everywhere. We’ll explain why car insurance for women might cost less than car insurance for men, and we’ll explain how you can get lower car insurance rates regardless of your gender.

Why is auto liability insurance important

Why does my tow truck business need auto liability insurance?

July 4, 2021April 4, 2018

There are many different types of tow truck insurance out there, and they can get a little confusing. One type of insurance that you need to know about as the owner of a towing or wrecker business is auto liability insurance. Now, you might have a few questions. What is auto liability insurance? Why does your tow truck business need it? How much does auto liability insurance cost?

Well, don’t worry – we’ll answer all of those questions.

A roof leak caused by sudden damage will most likely be covered by homeowners insurance.

Does home insurance cover a roof leak and roof replacement?

June 6, 2021April 2, 2018

Hey, that’s weird…why’s it raining inside? Unless this is some sort of elaborate practical joke, you’re pretty sure that there shouldn’t be a puddle in the middle of the living room floor. Or water dripping onto your head. Anyways, there’s water where it shouldn’t be and you think a roof leak is to blame. Now the burning question (or soggy question) is does home insurance cover a new roof? And how can you tell if your roof is actually leaking? (Not all leaks are caused by a roof problem.) Well, we’ve got the answer to those questions, coming right up.

Professionals often need some form of errors and omissions insurance.

Does my business need errors and omissions insurance?

June 6, 2021March 28, 2018

When you run a business that offers services or advice to clients, one of your greatest fears might be giving the wrong advice or your help not being very helpful (or even harmful.) We’re all human, and we all make mistakes. But what if your business makes a mistake that costs your client money? Who’s going to pay for it? Your client could hold you responsible, and what’s more, they might sue. And lawsuits are expensive. So, what’s a business owner to do to protect themselves?

Well, we’ve got some good news: there’s a type of insurance for that. It’s called errors and omissions insurance (also called E&O.) We’ll explain what E&O insurance is, who needs it, and how it works.

Your roof has an effect on your home insurance rates.

How does your roof affect your home insurance rates?

June 6, 2021March 26, 2018

Most of the time you’re probably not too fixated on the roof over your head. It does its job – it keeps the water out and protects you from the cold, the heat, and storms. Perhaps you don’t give too much thought to it. But here’s the thing – your insurance company does. They’re actually very concerned with roofs.

So, therein lies the question (well, questions):

How does your roof affect your home insurance rates? Can your roof help you get a discount on your premium?

Well, guess what? We’re going to answer those questions.

You have to freeze your credit reports at all three credit reporting bureaus.

How (and why) to put a freeze on your credit report

June 6, 2021March 19, 2018

Identity theft is no joke. We’ve got a suggestion for how to prevent people from using your credit information for their own gain – and leaving you in the middle of a big mess. It’s called a credit report freeze. We’ll go over what a credit freeze is and how to freeze your credit report.

There are many factors that affect the cost of business insurance.

What determines the cost of business insurance for my company?

June 6, 2021March 14, 2018

Business insurance can get expensive. If you own a business (or you’re thinking about starting a business) you’re probably wondering how much business insurance costs. However, that question is not easily answered because every business is unique. They all require different types and amounts of insurance, so the cost of business insurance varies.

We would be happy to quote your business to get you an accurate idea of what your premium will be, but in the meantime, we’ve come up with a list of ten things that affect the cost of business insurance.

To protect your home while you're away, consider vacant home insurance.

Do I need vacant home insurance for my unoccupied house?

June 6, 2021March 12, 2018

As a homeowner, you’ve got a lot of responsibility on your plate – even when you’re not actually occupying your home. Home insurance policies often don’t allow for a homeowner to leave their house unattended for an extended period of time. Now, there’s a difference between an unoccupied home and a vacant home, but the bottom line is that you may need to get special coverage if you’re leaving your house empty. We’ll go over why your normal homeowner’s insurance may not cover your empty house and how you can make sure your investment is covered.

Prevent rear-end collisions by improving safety at your tow truck business.

How to prevent rear-end collisions and save on tow truck insurance

July 4, 2021March 7, 2018

We’ve all passed accidents on the side of the road where a car has rear-ended the car in front of them. Smooshed hood, squashed back bumper. But if you’re driving a tow truck, rear-end collisions are often pretty serious.

And rear-end collisions also have had a major effect on tow truck insurance rates.

Why?

We’ll explain the prevalence of rear-end accidents, why they can affect the price of tow truck insurance, and steps you and your drivers can take to prevent rear-end collisions.

To start, we’re going to look at some numbers.

Getting a business insurance package policy can help you save on your insurance.

What’s a package policy? (Hint: You can save on business insurance)

June 6, 2021February 28, 2018

If you’re like a lot of business owners out there, you’re probably worried about the cost of business insurance. And we don’t blame you – insuring a business, even a small one, can get pricey quickly.

But don’t worry:

We’re going to explain how you can save money on business insurance. We’ll tell you what a commercial package policy is and what a BOP is. We’ll outline some of the benefits of getting this type of insurance (we already mentioned one perk in the title of this article.)

So. Without further ado, let’s get started.