Insurance discounts offer a great way for responsible policy holders to realize significant savings, but the problem is that many people aren’t aware of what they may qualify for. In most cases, discounts are something you need to ask about, rather than expect to be offered. Different insurance companies offer different incentives, and so there…
Building your own house can be an exciting and highly rewarding experience, but it can also be a risky one. There are many perils that can occur with any construction project. While under construction, your new home is not covered under your existing home insurance policy. In order to insure your home during construction, you…
Staying current with building bylaws can be a challenge for which you need to be prepared. Just because your home met the required codes when it was built, it may not always stay that way. This becomes increasingly true in older homes, and the costs associated with meeting new laws can be significant. If you…
You’ve made the move to another city, and on top of the extra expenses of boxes and packing supplies, hiring movers, deposits for utility companies, and having your mail changed over, now you find out that the cost of your insurance has gone up too. When calculating premium rates, insurance companies consider many factors. The…
We all want to do whatever we can to keep our families safe and our belongings secure. Having a centralized burglar and fire alarm system installed in your home can give you that security and piece of mind, but did you also know it can save you money? The actual discount varies based on the…
Many people expect their car insurance to automatically drop because they have been with the same insurance company for a couple years. The assumption is that if they do not have any claims, their rates will go down. Unfortunately, this is not always the case. Drivers who are thought to be at risk for accumulating…
Auto insurance premium rates are based on a variety of risk factors, and vary by company. Your age, gender, the type of car you drive, the number of years insured, any prior accidents, claims, or traffic violations are all factors that may be taken into consideration when calculating insurance premiums. For example, a driver that…