Successful Farm Insurance When I met my husband, everything I knew about farming including Farmers Insurance, could be written down on a postage stamp. I didn't really grow up in a city, but it was a town with sidewalks, street lights and neighborhoods. My family would occasionally plant a flower garden and even more occasionally we planted a small vegetable garden in our back yard. We mowed grass and trimmed bushes but that was as close...more
Similar to car insurance, motorcycle insurance is required by law in many places. Where it is a legal requirement, you will have to obtain the minimum coverage, at least. If not required by law, basic coverage should be acceptable.You most likely do want insurance for your motorcycle because it will protect you on the road. Maybe you've even started getting quotes from insurance companies so you can make the best decision. But, if you're like...more
Whether you are looking for business insurance, home or car insurance you need to have a trusted resource to help you navigate the maize of options in the market today. You can't turnaround without being bombarded with ads about how a Gecko or Caveman or groovy waitress-looking chicks are telling you that all you have to do is call them and you will save $487. Or switch to xyz insurance company and save 15%. Are all of these ads right? Are they all the lowest cost solutions? How can this be? Who can I believe? Something just isn't adding up! Take a peak here to get an insider's look at the insurance industry Insurance companies price their policies on a multitude of factors ranging from their overall underwriting profit (or combined ratio), their expense ratios, returns on their investment income and the competitive landscape. It has been our experience in the Cedar Park insurance market that carriers go through cycles in their pricing structure. A big reason for this is their loss history for a given market segment as well as the company overall. If an insurance company experiences lower than normal claims and makes more of an underwriting profit, they typically get more...more
From boiler insurance to the Gas Safe register – a handy checklist for the winter Suffering a home emergency can really ruin your day – whatever time of the year it is. However, when it comes to a boiler breakdown, winter is the worst time for your heating to pack up. With every year that passes, the record for the coldest and longest...more
Whether you are looking for business insurance, home or car insurance you need to have a trusted resource to help you navigate the maize of options in the market today. You can't turnaround without being bombarded with ads about how a Gecko or Caveman or groovy waitress-looking chicks are telling you that all you have to do is call them and you...more
How Talking to the Insurance Adjuster Can Hurt You A good car accdient attorney will tell you that you shouldn't speak with an insurance adjuster. Despite this good advice, the adjuster is still going to call, a lot. Can you really just shut them out? Cooperation, to a point, is a good idea. You should accurately report your accident, but beware of giving a recorded statement. You do not want to give a recorded statement.The adjuster will try and be friendly with you by asking questions that may not relate to the accident. They do this to make you comfortable so that you might say something self deprecating to make the accident seem like your fault or to get you to say your injuries aren't so bad. This can be used against you later. So if some things are okay to say to an insurance adjuster, and some things aren't, where's the line? Where can you say "stop!", and how can you justify it? First you need to know about insurance adjusters and how they work. Insurance adjusters are not friends. You may remember the nice, caring, intelligent agent who sold you your policy and think the insurance company is nice. You won't be dealing with them. The adjuster's job is to "adjust"...more
Should Insurance Agents Blog? Originally called a web log, a Blog is a chronological online journal. Individuals can use blogs to share their interest with the world. For example, someone may want to blog about their travels or to share...more
Applying for Social Security Disability Insurance Doesn't Have to Be Stressful When you or someone that you care for has been seriously injured or becomes severely ill and is unable to work for a long period of time, the financial burden...more
And What Can You Reasonably Do Without? In an ideal world Austin entrepreneurs could afford a comprehensive Austin business insurance program that would protect you from any conceivable exposure. (I think this is the same world where you have...more
Landlord Insurance - A few things to know Simply knowing that you have taken out landlord insurance can save you the sudden financial outlay to rectify damage or loss to your property, while having it gives you reassurance knowing that it is...more
Tembler. Earthquake. Aftershock Facts about EARTHQUAKE Insurance in California Facts about EARTHQUAKE Insurance in California Why would I need earthquake insurance? Under your Homeowners policy, damage or loss to your home is not covered as...more
Bring Coverage to Your Company Blog Most companies these days not only have a website, but a blog. Why? A blog is a great way to get out advice to customers in relation to your products and services without actually trying to sell them...more