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Insuring Your Business’s Property? Consider a Replacement Cost Analysis

Insuring Your Business’s Property Consider a Replacement Cost AnalysisIf their property happens to be destroyed or damaged, businesses must take on a replacement cost to replace essential assets at the same or equal value. The asset to be replaced could be a building, investment securities, accounts receivable or liens. Replacing an asset can be an expensive decision, and companies analyze the net present value (NPV) of the future cash inflows and outflows to make purchasing decisions. Once an asset is purchased, the company determines a useful life for the

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Is Your Home Ready for a Flood?

The losses that homeowners have experienced from floods have been quite significant, while an increase in water levels have wreaked havoc throughout the Tri-State region – even in low-risk communities. Prepare your home for a flood with flood protection measures and with flood insurance, even if you don't think that you're in an active flood zone. Secure a flood plan that at its most basic, covers physical damage to the insured property from floodwater. You may want to consider additional coverage to insure the contents of your home.

But before we talk about flood insurance, let's

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Your Car Breaks Down in the Middle of Nowhere. What Do You Do?

Your Car Breaks Down in the Middle of Nowhere. What Do You Do?Driving with any vehicle issues means you are taking a chance of making it to your next destination. Car troubles can be anything that includes a tire blow out to overheating of the engine. No matter what type of problem you are having, there is always a chance you will end up stranded on the side of the road. This can be both frustrating and dangerous. The best thing you can do is to have a plan if

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What to Do After Your Car’s Been Broken Into

What to Do After Your Car’s Been Broken IntoDiscovering that your car has been broken into can feel quite horrible. Unfortunately, no matter how diligent you are, break-ins are always possible. They may seem almost inevitable even when you have taken extra precautions. Even if you've hidden away your valuables, locked your car, and parked in a well-trafficked spot, it's still possible for a crook to target your car.

If a break-in does happen, it's important that you know how to handle it quickly and efficiently. First and foremost,

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What Causes Teen Car Crashes?

What Causes Teen Car Crashes?The traffic accident rates for 16-to-19-year-old drivers exceeds any other age group. According to the Insurance Institute for Highway Safety, teen drivers are nearly three times more likely than drivers aged 20 and older to be in a fatal crash. 

Driving is a privilege, not a right. It’s important that teens own the newfound responsibilities that come with driving. There are specific causes that make teenagers such risky drivers, and understanding these causes is the key to helping your

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The Three Main Types of Auto Insurance Coverage, and Why They’re All Important

The Three Main Types of Auto Insurance Coverage, and Why They’re All ImportantWhen you’re paying your bills every month, you may pay for auto insurance without giving a lot of thought into what it actually does for you. The reality is that auto insurance isn’t one single thing; there are three main types of coverage (and some other optional coverages too). All three of these are important and they work together to make sure you’re protected.

Let's discuss the three main types and what they offer you.

Liability

Liability insurance, which is further divided

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The Auto Insurance Claims Process, Step by Step

The Auto Insurance Claims Process, Step by StepAn auto insurance claim is a request made to an insurance company for compensation for damages sustained after a car accident, or for representation or intervention on the insured's behalf when they are liable for damages. If you are involved in an accident, you will want to make a claim.

When it comes time to file an auto insurance claim, a lot of people aren't always in the best head space. Car accidents are incredibly nerve-wracking, and trying to coordinate all of the necessary

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Who Really Causes the Most Car Accidents? Common Stereotypes Explored

Who Really Causes the Most Car Accidents? Common Stereotypes ExploredThere are many stereotypes around the question “Who causes the most car accidents?” Some people claim that women are statistically worse drivers than men, while others claim that men cause more accidents. Some say that newly-licensed teenagers are the biggest dangers of the road, while still others feel that senior citizens above a certain age should not be driving.

The truth is, we can all be accident-prone and are constantly at risk out there on the road. No matter who

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Do You Have a Teen Driver? Here’s How You And Your Family Can Prepare

Do You Have a Teen Driver? Here’s How You And Your Family Can PrepareObtaining a driver’s license and getting behind the wheel of the family car or their own is exciting for your teenager, while you may have many concerns and anxiety about road safety and auto insurance.

Speak to an agent to help guide you through this life milestone, so you understand how to insure young drivers on their auto policies. Driving is a privilege, not a right. Certain steps must be agreed upon and fulfilled to gain

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Businesses with Benefits: Do You Know the Group Health Insurance Laws?

Businesses with Benefits: Do You Know the Group Health Insurance Laws?Group health insurance refers to a single policy typically issued to a business with employees, covering all eligible employees and sometimes their dependents.

The rules are quite different for group coverage versus individual coverage, mostly because the insurer’s risk is calculated differently. With groups such as businesses, insurers determine a premium price based on risk factors balanced over the entire group, using general information on members of the group, such as age or gender.

Health

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