|Insurance Buying Tips #1: Shop smart|
|When looking for insurance, your No. 1 priority should be to find adequate coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim.|
|Insurance Buying Tips #2: Look for discounts|
|Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.|
|Insurance Buying Tips #3: Fill in the gaps|
|An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.|
While pests are often the product of our nightmares, simply waking up from our dreams is not the way in which to get rid of them. From rats and mice, to cockroaches and ants, the list of pest infestations and challenges is long and overwhelming. However, as much as we would like to drop a nuclear bomb into the source of whatever pest may be affecting our household (and sanity), we have to think of our pets and children before making any rash decisions.
Thankfully, there is a solution for those who are looking for pest control solutions that do not pose a risk to their family – and we've created a list on how to properly execute child and pet-friendly pest control. Take a look below:
Take a look below:
Did you know that a combination of brown syrup and sugar can remedy your fly infestation or that peppermint oil will assist you in getting rid of mice? Before you reach for the chemicals, it is important to ensure that you explore all of your available options – you never know, you may have the solution to your pest infestation sitting in your pantry!
|Insurance Buying Tips #4: Purchase life insurance—you aren’t too young|
|Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses. Additionally, every millennial should consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work.|
|Insurance Buying Tips #5: Talk to an independent agent|
|An independent insurance agent is an essential resource when purchasing insurance—especially if this is your first time. An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Working with an independent agent can help make sure that you are getting the best coverage, for the best price. You’ll also benefit from independent agents’ insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. An independent agent will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource as your life changes and your insurance needs change, too.|
|Insurance Buying Tips #6: Only buy insurance to maintain your existing standard of living|
|You don’t need insurance for events that won’t severely strain your finances. Start with your basic needs (home, auto, business), then work your way to include other needs (cyber, liability). You can always obtain coverage later for something if you change your mind. You can minimize your risk and maximize your savings by buying insurance that won’t cause you to break the bank.|
If you're not opposed to making use of chemicals to get rid of pests, but would prefer to keep them out of the reach of your children or pets, there is always the solution of tamper-proof bait. Not only does this ensure that curious children cannot get their fingers nipped or poisoned, it also ensures that hungry pets don't get stuck with a nasty case of poisoning. The bait is, in essence, kept in pest-specific containers or traps, limiting the dangers associated with free-standing bait or traps that may result in nasty accidents.
Worst Case Scenario: Safe Pesticides
It is important to remember that in worst case scenarios, where natural remedies are no longer an option, homeowners are able to opt for products that are toxic to pests but not to their children or pets. In these cases, it is advised that you make a call to a pest control services provider for advice on which route is suitable to your needs. If your pest infestation has reached a point where it requires professional removal, it is important to take note of the fact that even if you make use of safe pesticides, you will need to keep an eye on your children and on your pets.
Once you have found a solution that best suits your needs, be sure to update your home insurance policy to ensure that you are covered for a number of emergencies and disasters.
|Insurance Buying Tips #7: Ask your insurance provider what the policy doesn’t cover|
|Every insurance policy has perils that are not covered by your policy. These perils are referred to as “exclusions”, and every policy has them. Ask your insurance provider to explain the exclusions in your policy to avoid discovering what they are once you incur damages or a loss.|
|Insurance Buying Tips #8: Consider bundling several policies with one insurance carrier|
|here may be value in bundling several policies with one insurance carrier. If you’re looking to insure multiple vehicles or obtain multiple types of business coverage (e.g., liability, property, cyber), then you may want to consider obtaining coverages under one insurance provider who carries multiple products, and who may be able to offer you multi-policy discounts or loyalty programs.|
|Insurance Buying Tips #9: Review your insurance needs on a yearly basis|
|As your needs evolve, so will your insurance policy. Maybe you’ve acquired a new vehicle since obtaining auto insurance for your primary vehicle, or started operating your business out of your home, or experienced a cyber-attack during the year… Whatever the change(s), you’ll want to make sure you’re covered for any new risk exposures. Talk to your insurance provider to stay on top of your insurance needs.|