Category Archives: Finance Guide

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 is one of the most important pieces of property insurance you will ever buy. It’s responsible for protecting your investment, as well as the people who live in it. In this blog post, we will teach you how to estimate condo insurance dwelling. What is Condo Insurance Dwelling? Condo insurance dwelling is a […]

Homeowners insurance typically covers roof leaks caused by perils covered under their policy, such as windstorm-induced cracking in the ceiling that allows rainwater into your home. However, normal wear and tear may not be covered – check with your agent. Damage caused by a covered peril Homeowners insurance typically covers roof damage caused by covered […]

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 […]

Long term care insurance is one of those products that people either love or hate. And for good reason, it’s not an easy decision to make. After all, what if you need long term care? Fortunately, we’ve put together a blog article that will help you understand when long term care insurance was first offered […]

Many large projects require contractors to carry certain forms of insurance policies as conditions of working together with project owners, making compliance an imperative in order to secure business opportunities. Contractors can obtain these policies through either purchasing individual coverage individually, or bundling multiple policies into an affordable business owners policy. Below are six forms […]

There are various auto policies available to cover the expenses resulting from hit-and-run accidents, including uninsured motorist coverage for property damage (UM PD), personal injury protection or medical payments coverage and collision. Medical payments and PIP coverage may not be available in all states and a deductible may apply; UM/UIM and collision coverage is often […]

All motorists must be covered by the state. If you do not have insurance and own a vehicle in Kentucky, your registration will be suspended. You could face serious penalties if you are caught driving without insurance. These include fines, suspension of your driver’s license, registration suspension and jail time. Kentucky requires minimum insurance Each state has minimum insurance […]

When you’re in a car accident, there are lots of things you want to do: assess the damage, call your insurance company, and so on. But one of the most important things is to file a car insurance claim as soon as possible. After all, sooner is better than later when it comes to getting […]

Most life insurance policies aren’t tax deductible as the IRS considers them personal expenses; however, there are exceptions; for instance, premiums paid by an employer for group life policies may be deducted; also some permanent policies provide tax advantages like an untaxed death benefit and tax-deferred growth of cash value. Taxes Though many individuals and […]