Category Archives: Finance Guide

Homeowners insurance provides peace of mind and financial protection. However, many homeowners wonder whether or not their policy covers damage caused by vandalism. Good news: Most standard homeowners policies cover vandalism as an insured peril. The key is understanding your specific policy’s coverage and taking proactive steps to secure your property. What Is Covered? Vandalism […]

This may sound like something you might say about your bank or council, but we are referring to a feature that most modern homes have these days, and which is often ignored until it stops working. This is when you realize that you cannot wash your clothes properly. This is a very unpleasant proposition considering most people […]

For young drivers, it can be difficult to find affordable car insurance. This is because teenagers and younger adults under 25 are at greatest risk of getting into accidents. This is why younger adults pay the highest premiums. You cannot change your age so what can you do? You can stay on your parent’s policy if you live […]

New Mexico’s insurance laws make it difficult to drive without insurance. New Mexico is the fourth largest state for uninsured motorists with an estimated 21.8% of drivers driving uninsured, based on the latest study from the Insurance Information Institute. According to the Insurance Information Institute, this means that drivers who are involved in an accident with an uninsured […]

Nothing marks growing up more vividly than receiving one’s driver’s license, a momentous event which often causes parents equal amounts of joy and fear. Assuming you live in a state where mandatory car insurance coverage exists for teens isn’t automatically necessary; rather, this decision depends on both you and your insurer. It’s Not Necessary No […]

Everybody has a car. It is their main form of transportation. Without automobiles, we would spend a lot of time walking or biking to our destinations. It is possible to be late for work or miss our children’s soccer games. American life is dependent on cars for daily functions. We should make every effort to ensure that they […]

According to the New Jersey Department of Transportation‘s latest report, there were 276,861 crashes in the state in a single year. Distracted driving was the leading cause of crashes. If you caused an accident by texting or not paying attention behind your wheel, you could face reckless driving charges. High-risk drivers are those who have had one or more […]

Condo insurance protects personal belongings and pays for repairs should disaster strike, but how much coverage do you require? Your dwelling (sometimes known as building property coverage) depends on three key variables. They include whether or not you still owe on a mortgage loan, the cost of labor and materials in your area and any […]

Dogs in cars are the most common concern. The flip side of the coin can also be dangerous. Hypothermia can occur in dogs when their body temperature falls below the normal level. This can lead to death in some cases. Pet owners should consider keeping their four-legged loved ones warm whenever possible. While this may seem less important during warmer […]

Workers’ Compensation coverage provides essential protection from these costly medical costs, which could potentially devastate your business without it. Most states mandate employers purchase workers’ comp insurance for all of their employees, but what about smaller businesses with only 1099 contractors as employees? Typically, 1099 workers do not need workers’ comp insurance; however, some clients […]