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Automobile Insurance

Back in 1898 when the first U.S. automobile insurance policy was purchased, there were barely 100 cars on the streets, nationwide. Horses and carriages ruled the roads, and main concern then for both insurers and auto drivers was any injury  those noisy new machines might do to horses.

Today a motor vehicle accident occurs every second. Auto accidents cause an injury every 14 seconds and every 13 seconds a car accident results in a fatality. More than over 31 million accidents occur per year, at an annual cost of almost $100 billion. Theft and vandalism are other major perils facing drivers. In fact, every 20 seconds another vehicle is stolen.

With more than 150 million drivers and 160 million registered vehicles on the road today, auto insurance is the most widely purchased of all property-liability insurance. Drivers buy auto insurance for economic protection against theft, vandalism and other risks make sure you understand the ins and outs of your particular policy.

Business Insurance

If you own your own business or are a partner in one, you're probably already familiar with risk. After all, few things in life are riskier than launching and running your own business. Part of the risk of any small business is the loss of critical tools and property or liability to others. Either of which can cause loss of income or even force you to close your doors.

Large companies employ full-time risk managers to keep their risk-taking to a minimum, but chances are that as a small-business operator, you are your company's risk manager along with it's personal director, office manager and possibly the entire staff all rolled into one.

While juggling all the jobs that need to get done to make your firm a smooth-running and profitable operation, you may already be asking yourself, "Who has time to think about insurance?" You do! Keeping risks and losses to a minimum is a cornerstone of business success, especially for small business. Take a few minutes now to check your risk factors, find out your insurance need and learn the many options available to you. Remember, choosing the right agent is as important as choosing the right insurance.

Home Insurance

Whether you are a first-time home buyer, a veteran of many years of mortgage payments and house upkeep, a condo owner or an apartment dweller, your household is one of some 90 million in the United States. Chances are your home is your single most expensive budget item and for the home or condo owner - your most valuable investment. Homeowners insurance is a "package" policy that covers both property - structures and personal possessions - and liability.

Because it is comprehensive, your homeowners insurance policy may include coverage you are not even aware of. If your luggage is stolen from a motel room while you are a thousand miles away from home, for example, you will of course want to notify the police. You will also want to check with your insurance agent about coverage for loss under your homeowners policy. And if your house burns down leaving you without a place to stay, your policy provides living expenses as well as reimbursement for damaged property.

Life Insurance

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It is generally a cost-effective way to provide for your loved ones after you are gone. It can be an important tool in the following ways.

Along with your savings and investment strategy, life insurance should be part of your long-term financial planning.
You may not like to think about it, but you death can be costly to your loved ones. At the very least, there will be funeral and burial costs. There also may be estate taxes and outstanding debts to pay, such as medical expenses not covered by health insurance. If you have dependants, they will have to cope with these costs while no longer having your income. to rely on. The proceeds from a life insurance policy can be or tremendous value at this time. It will provide economic assistance to your family so they can pay off the mortgage, college tuition and other ongoing expenses and maintain their current life style.

There are many choices when it come to life insurance and over 1,500 insurance companies to choose from, so it is important to work with a knowledgeable insurance agent or company representative.

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