Festive gatherings of friends, family and coworkers are what make the holidays so special. For those of us who host guests in our homes, we want to make sure that our guests not only have a wonderful time, but also that they are safe in our homes, and when they leave it.
Thinking about your auto insurance coverage is probably not the most exciting thing you can do today, but it is never a bad time to review your policy and understand what is covered (and what is not). It is certainly better to understand your coverage now, rather than be surprised after you’ve been in an accident or have to file some kind of claim.
You may think if you don’t have much to lose, no one would be silly enough to sue you. Unfortunately, lawsuits are filed every day against people with modest incomes. Personal umbrella insurance is designed to help protect you from major claims and lawsuits. As a result, it helps shield your assets and your future by providing additional liability coverage above the limits of your homeowners, auto or boat insurance policies.
Whether you have just experienced a damaging storm or terrible accident, or you are simply tired of the same old kitchen and would like to remodel, you’re talking about a lot of work. Unless you’re the do-it-yourself, handy type person, chances are you need a contractor. But how do you know if you’ve found the right one? It’s no secret that not all construction outfits are on the up-and-up and you would like to avoid falling victim to the less reliable of them. Follow these tips and guidelines and you can be sure that home improvement project doesn’t turn into a nightmare.
Most everyone knows what liability coverage and comprehensive coverage on his or her auto insurance means. One protects you from damages resulting from a crash you caused and the other can help quickly repair your damaged or totaled vehicle, no matter the cause. But what does uninsured/underinsured motorist coverage do? Who needs it and why?
Understanding your car and home insurance deductibles can mean the difference between making informed financial decisions and throwing good money after bad. Most people understand that a deductible is the amount the policy holder is responsible for paying whenever they file a claim. However, deductibles often have far more implications.
As the popularity of motorcycles and other two-wheeled vehicles increases, many new riders are asking more questions about their insurance coverage. Motorcycle ownership increased an astounding 75 percent between 1998 and 2007, according to registration records. Unfortunately, the growth in motorcycle sales and registrations in the United States has been accompanied by an increase in accidents, property losses, injuries and fatalities involving motorcycles.
Auto insurance is a necessary means to protect yourself from the financial consequences of car accidents and other damage to your vehicle. Many of us may get our quote and take it for granted that “it is what it is” without exploring any additional savings opportunities. But have you received all the discounts that you qualify for? Do you know all of the ways that you can save a few dollars on your auto insurance premiums?
It’s raining lawsuits. Do you have an umbrella? You may not think you will ever be subject to the litigation process, but in modern “sue-happy” society, can you afford to take that risk?
Hail and wind are common with summer storms, and can cause serious damage to your vehicle or your home. Louisiana is not only subject to wind and hail from severe storms, but also from tornadoes and hurricanes.