Reasons to Get Home Insurance

Reasons to Get Home Insurance

As a homeowner, it is your responsibility to protect your property. One of the ways to do it is to get home insurance in Lexington, KY. It is one of the best things you can do to protect your largest investment. However, some people think they’re wasting their money on it since they’re paying for an uncertain cause, such as property damage that may never happen. But, you should know that having an insured home will not only safeguard it from damage, but it’s also a great investment since you can get many advantages from it, too! Here are some of them: Mortgage Requirement If you’re planning to apply for […]

What Do Health Insurance Companies Have to Do with Family Farms?

What Do Health Insurance Companies Have to Do with Family Farms?

There are over 2 million farms in the US and about 99% are owned by families. Most people do not think about health insurance companies and family farms. They do not seem related at all, but where do family farm owners turn for health insurance? Family farms are typically classified as small businesses. That means a large chunk of the family is employed by the farm. Whether those employees are related to the farm or not, they need health insurance. Farmers Have Unique Insurance Needs The right health insurance companies understand that farmers have unique health insurance needs. Agribusiness is not quite like any other industry and the right health […]

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 […]