Don’t Get Caught Without Health Insurance

Don’t Get Caught Without Health Insurance

Nearly 60% of U.S. citizens have some form of life insurance. These days, most Americans have health insurance. But do you currently have health insurance coverage? It may seem like an expense you do not want to pay since it is typically due monthly. However, you really do need coverage. You may be healthy and it may seem like health insurance just isn’t a cost that you need to add to your monthly expenditures. Nothing could be further from the truth. All it takes is one accident, injury, or diagnosis to completely upend your world. When you have health insurance in place, the majority of those costs could be covered […]

Here’s Why You Need Home Insurance

Here’s Why You Need Home Insurance

Everyone knows that it’s just plain good sense to have health insurance. In most states, it’s illegal to not have car insurance. But no one talks about home insurance. No one forces you to get home insurance. And yet home insurance is probably the most important kind of insurance you can buy. Why do you need it? How do you get it? How can you pay for it? It’s time to find out everything you didn’t know about home insurance and how easy it is for you to get it. What is Home Insurance? Home insurance is also called homeowners insurance. In short, it protects your investment. Home insurance provides […]

Why People of All Ages Need Life Insurance

Why People of All Ages Need Life Insurance

Life insurance companies provide life insurance policies that are more affordable than you think. Many people make the mistake of thinking that they will be priced out of this option. Life insurance is one of the main three types of insurance coverage everyone should have. Homeowners insurance is there to provide financial coverage for your property in case of disaster, while the health insurance Lexington policyholders rely on can provide financial protection for health disasters. Life insurance is there to protect your family when a fatality occurs. When Should Life Insurance be On Your Radar? The fact is that there is no better time than right now to reach out […]

Why Adding Life Insurance To Your Policy Is A Smart Move

Why Adding Life Insurance To Your Policy Is A Smart Move

Planning For Your Future Now Building a strong financial foundation for your future is a very important step to take while you are still young. One of the tools required will be a well thought out budget. This is how you will save money for an emergency, pay off your past debts, or for your retirement. Now, how does having a life insurance policy fit into your budget and future endeavors? Well, did you know that around 60% of all people in the U.S. are actually covered by some form of life insurance? Whether it be health insurance, business insurance, homeowners insurance or workers compensation, these people have realized the […]

4 Situations That Will Make You Glad You Have Homeowners Insurance

4 Situations That Will Make You Glad You Have Homeowners Insurance

Lexington attracts new residents for a variety of reasons. Lexington has a stable economy with one of the lowest unemployment rates among comparable-sized cities. Lexington has four distinct seasons during the year, with outdoor activities to enjoy year-round. And Lexington has many opportunities for spectator sports at the University of Kentucky and cultural events, like the oldest bluegrass festival in the state. However, Kentucky also has the eighth highest number of federal disaster declarations in the country, with 56 major disasters since 1953. While no one can prevent major disasters, it is possible to prepare. One way to prepare is to purchase homeowners insurance. Even those who already have home insurance may […]

Building a Safety Net for Your Business-It Should Include Workers Compensation Insurance

Building a Safety Net for Your Business-It Should Include Workers Compensation Insurance

Workers compensation insurance is a must if you want to build a strong safety net for your business. Whether you have a single employee or you have fifty, you need workers compensation insurance. A lot of small business owners think that if their business does not revolve around fieldwork or manual labor that they can low ball their coverage. This can be a critical mistake in building that safety net you need to ensure your business stays financially viable. Building Your Safety Net Most small business owners understand that building a financial safety net is critical to the success of their business. The hard money part is easy to understand. […]

3 Questions You Should Ask Before Getting Homeowners Insurance

If you’re in the process of buying a home, you’re not alone — in 2017 alone, the national homeownership rate reached 64.2%, meaning there has been a lot of people buying homes within the past few years. And while buying a house involves making a lot of decisions, choosing homeowners insurance is one of the most important decisions you’ll make. To make sure you get the right coverage and insurance rate, here are a few questions to ask potential homeowners insurance companies. What exactly does the policy cover? One of the most obvious questions you need to ask is regarding what the policy does, and does not, cover. Not all […]

Auto Insurance Rates And Beyond: How to Invest In The Right Car For You

Auto Insurance Rates And Beyond: How to Invest In The Right Car For You

There are many factors when determining whether or not you’ve made a smart vehicle purchase. These include auto insurance rates, fuel prices, repairs costs, and general upkeep. Vehicles typically break down into nine classes. Read on to learn about each class of vehicle and how they stack up against one another. This will help you determine which kind of vehicle fits your budget and needs. Small Sedans Small sedans tend to be a frugal choice. AAA places their upkeep at just over $6,000 a year. This, of course, does not take into account auto insurance rates and whether or not you choose full or minimum coverage. The average cost for […]

6 Reasons Why Homeowners Insurance is a Smart Choice

6 Reasons Why Homeowners Insurance is a Smart Choice

Any homeowner has heard this age-old piece of information many times: ‘Your home is one of the most significant financial investments that you will make over the course of your lifetime.’ But, like most investments, owning a home comes with associated risks. As a physical asset, your home is important not only because it provides your family with a place to live, but also for its financial value. Protecting it in case of loss, such as that incurred from brutal storms, vandalism, or even liability from injuries within the home, is a necessary and important step for every homeowner to take. Many insurance companies offer multiple kinds of insurance, so […]

How To Choose Car Insurance Policy That’s Right For You

How To Choose Car Insurance Policy That’s Right For You

When trying to figure out what car insurance policy is right for you, the process can seem a little stressful. In all but two states, it is required by law to have car insurance. Regardless if it is required or not where you live, it is always a good idea to have it on hand. The following are some great tips on finding that insurance company that will work best for your personal situation. #1. Choose the right car A lot of times when people go to purchase a new car, they only look at the price tag on the windshield, but not really think about the price the insurance […]