Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Easy Home Workouts For Better Health

There is no denying the health and beauty benefits of exercise. But what if you’re not ready to commit to a gym membership or invest in expensive equipment that takes up space in your home? You can still get in shape from the comfort of your own home, with a series of easy exercises, using whatever you have available. Leg Lifts Lie on your back...

Can I Designate Someone Other Than A Family Member As My Beneficiary?

Although many people name family members as beneficiaries on their life insurance policies, it is certainly not a requirement. There are almost no rules restricting who you can choose, and you can change your beneficiary at any time (for example, after a divorce). The only universal restriction for life insurance beneficiaries is age. You cannot name a minor as your beneficiary. To provide a person...

Builders Risk Insurance Vs. Contractors Insurance

If you are in the construction business, you need the right types of insurance coverage to protect yourself. You are likely to need builders risk insurance in addition to contractors insurance. Together, these two forms of coverage can protect you against certain losses. What Is Builders Risk Insurance? Builders risk insurance is designed to cover a contractor’s equipment, materials, and property related to the construction...

What Insurance Do I Need To Rent Out My Home On Airbnb?

Airbnb provides up to $1 million in liability insurance to protect its hosts against third-party claims for personal injury or property damage, as stated by the company. However, this coverage is limited to certain types of liability and is subject to certain conditions, limitations, and exclusions. Your homeowners insurance or renters insurance may not provide the additional coverage you need. Our knowledgeable agent will be...

How HRAs Offset Premiums & Deductibles For Group Plans

A health reimbursement arrangement (HRA) can offset premiums and deductibles in a group health insurance plan. These savings are realized when a high-deductible health plan (HDHP) is combined with a Deductible-Gap HRA. Employers can benefit by saving money and reducing overhead with a high deductible, while the effect on employees is offset by the HRA. What Is An HRA? An HRA is an employer-funded account...