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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.

When you get a rental car, they may offer you lots of different coverages.

Do I need to get rental car insurance from the agency?

Renting a car is stressful enough. When you walk up to the counter to get a car, possibly after a long day of traveling or being stranded waiting for a tow truck, you’re already at wit’s end. Then you get bombarded with the questions about insurance. The rental car agency person looks at you expectantly as you blink at them and wait for your brain to play catch up.

There are a lot of different options the smiling person behind the counter offers you, and they all sound like coverages that you need for a reasonable cost. But before you answer yes, it’s important that you take a minute to consider your own auto insurance. The coverage that you have on your auto insurance can greatly impact the answer you give them, as can your home insurance and even health insurance.

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Hiring is a risky time for employers.

How to avoid employment practices liability when you’re hiring

Hiring can be an ordeal. First, you have to figure out what exactly you need. Then you have to come up with the job description and application. Then there’s interviewing all of the eager applicants who want to wow you. Then there’s the selection process, and on-boarding, and training…Eeesh. The last thing you need to come from all of that hard work is someone bringing a lawsuit against your business for discrimination. Hiring is one of the most eggshell-walking times for employers because of the risk of unintentional discrimination that could result in hefty employment practices lawsuits. We’ve put together some tips for you to make sure that you’re going by the book when you’re hiring so you can avoid employment practices risks.

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How do you insure a vacation home?

The fundamentals of insuring your dream vacation home

If you have a second home of some sort, whether it’s a house or vacation home, you might be wondering how to go about insuring it. You know the drill with insuring a primary residence, but what about a home that you’re not planning on living at full-time? Well, you’re right to wonder – insuring a second home will look different than insuring your first and primary home. We’ll go over the coverages you might need for your vacation home.

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There are a lot of different ways that inland marine insurance can be used.

The oxymoron that is inland marine insurance and why it’s important

Question: What’s inland marine insurance?

Follow-up question: Does it have anything to do with boats, by chance?

Welcome to the world of confusing insurance terminology! Inland marine insurance is a way for businesses to fill gaps that might be in their coverage. Coverage gaps are not good for businesses – you wouldn’t carry an umbrella with holes in it into a rainstorm, would you? Nope. So, the point is that you need to make sure that you don’t have any gaps in your business insurance. Some aspects of your business might not be covered elsewhere in your insurance plan, and that’s where inland marine can help. We’ll explain how.

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Learn how to prevent identity theft.

Protect your identity: Helpful tips to prevent identity theft

You probably know someone who’s been through the terrible, frightening experience of identity theft. There are plenty of ways that identity thieves get a hold of people’s personal information, and they’re extremely creative and adept at doing so. Lots of people don’t even realize that their identity has been stolen until they receive a bad credit report or notice charges that they didn’t make.

Identity thieves can get your personal information from Dumpster diving, scamming you online with emails or pop-ups (called phishing), changing the address that your credit card bills are sent to, impersonating authorized personnel to get your information from financial institutions, or physically stealing it by snagging your purse or wallet. They take your information for a variety of reasons, including opening bank accounts, getting a loan, stealing your money from an ATM, or getting documents like driver’s licenses.

Identity theft can happen to anyone at any time, so it’s important to be prepared and do what you can to prevent your information from being compromised. We’ve got some tips that will help you protect your identity—and spare you the headache that comes along with sorting out a stolen identity.

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Bailee insurance protects your clients' belongings while they're in your care, custody, and control.

Does my business need bailee insurance?

As a business owner, you know that you need to make sure you’re protected from all potential risks. Your building is covered by property insurance, your employees are covered by workers’ compensation insurance, your clients are covered by general liability. But what about the things that don’t strictly belong to you? If your business stores, cleans, repairs, services, or otherwise holds on to your clients’ property, you’re instantly put at risk. If you do computer repairs, for example, chances are that your client wouldn’t be too happy if your sprinklers went berserk and fried their laptop, would they?

To protect your business from the risk that comes along with keeping your clients’ possessions in your care, custody, and control (basically a fancy way of saying they’re trusting you to keep their belongings safe) you might want to consider bailee insurance.

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A claim can be denied for a variety of reasons.

5 tips to keep your home insurance claim from being denied

Filing a home insurance claim can be daunting. The reason that you have home insurance in the first place is to help you replace things that have been destroyed by factors outside of your control. It protects you from losses. Getting the insurance and paying the premiums is easy. Filing a home insurance claim and getting it approved can sometimes feel like another story.

When you’re filing a home insurance claim, it’s important that you keep a few things in mind to make sure that you get the payments that you need to rebuild what you’ve lost. Just because you fill out the paperwork doesn’t mean that the money will magically appear in your bank account. The claim could get denied, which is something that you don’t want to happen. If your claim is denied, you’re kind of back where you started.

To make sure that your claim isn’t denied, make sure that you keep the following tips in mind when you’re working through the filing process.

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Are your valuables insured?

Helpful tips for insuring your priceless jewelry, art, and other valuables

Take a wander around your house. Or, if you’re not at home, take a mental tour of your home. Chances are there are a lot of expensive things that you’ve forgotten are there – they’re just a part of your home, so you don’t really think about them anymore. It’s not like you dwell on how fancy the décor at your home is, or how expensive the silverware was. Your valuables are just, you know. There.

But the thing is that these valuables might not have enough insurance coverage through your home insurance policy. For example, the limit of coverage for jewelry is often $1,000, and the limit is often $2,500 for silverware. Plus, a home insurance policy might not cover the loss of these valuables due to theft, accident, or natural disaster – it really depends on your policy. Would that be enough to protect all the jewelry and silverware that you own? What about your artwork? Heirlooms?

You know you need to make sure to protect your jewelry and valuables from theft, but to make sure that your valuables are protected from anything that life could throw at you, we’ll go over your options for insuring your belongings.

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Have you read through your insurance policy lately?

Understanding the nitty-gritty of your insurance policy in 6 steps

Yep, trudging through the entirety of your home, auto, or life insurance policy is probably not exactly your idea of a good time. Big words, stuffy language, long sentences…oodles of fun, right? Oh, yeah. Insurance policies. Good stuff.

As daunting as the task may seem, reading through your policy is actually very important when it comes to making sure that you have the coverage you need for your family. Your policy spells out the agreement between you (the insured) and your insurance company (the insurer) and explains who’s responsible for what if you’re faced with a catastrophe.

Whether it’s your home insurance policy or your auto insurance policy, you need to make sure that you know what’s going on in that very important legal document. You never know when it’s going to come in handy. To help you out with that little bit of homework, we’ll take a piece-by-piece look at each section of your insurance policy so that you’re in the know when it comes to your insurance.

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It's important to make sure that you've got the right motorcycle insurance.

What you need to know about motorcycle insurance, safety, and saving cash

Riding a motorcycle is a lot different than driving a car. While cars aren’t without without their risks, motorcycles have an even more dangerous reputation. The motorcycles you see zooming by on the road might look cool, and yes, it might be more fun to ride a motorcycle than to be trapped inside a car. But the truth is that motorcycles are far more dangerous than cars, which is why you need motorcycle insurance.

If you’re a motorcyclist or if you’re thinking about buying your dream bike, you need to make sure that you have adequate coverage for all the risks that come with hitting the road with two wheels instead of four. We’ll go over the types of coverage you need for that shiny new bike. We’ll also give you some tips on how to save on your motorcycle insurance and how to stay safe on the roads.

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