R Hobbs Insurance Agency Inc Blog Page 5
View the latest blog posts from R Hobbs Insurance Agency Inc.
Monday, February 27, 2023Protect yourself while renting—without wasting money There are more options for renting a car than ever before—bricks-and-mortar, peer-to-peer and membership-based car sharing services. While this means more choice for renters, it also creates more questions about insurance coverage. READ MORE >>
Monday, February 20, 2023If unexpected expenses come up and you can’t pay your life insurance premium, you should know the possible consequences. The effect depends on the type of policy and coverage you have and the policy terms and conditions. Term: If you stop paying premiums, your coverage lapses. READ MORE >>
Monday, February 13, 2023Reduce the risks that come with inexperience and immaturity While getting a drivers license is an exciting rite-of-passage for teens, it can make a parent frantic—with good reason. The first years that teenagers spend driving are very risky. READ MORE >>
Monday, February 6, 2023A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts. READ MORE >>
Monday, January 30, 2023Steps and advice to help protect you from identity predators Identity theft victims often spend months or years recovering from the frauds perpetrated on their bank accounts and getting their credit rating corrected. Protect yourself against identity theft with this advice. READ MORE >>
Monday, January 23, 2023Yes—IF you have rental reimbursement on your policy If you rely on your car, rental reimbursement is an inexpensive and invaluable option that you'll want to consider adding to your auto insurance policy. On average, a car is in the repair shop for two weeks after an accident and renting a replacement vehicle for that amount of time can be costly. READ MORE >>
Monday, January 16, 2023Your home may be at risk from earthquakes. Learn how to protect it. Earthquakes and coverage Earthquakes can cause much harm to home structures. They can damage housing foundations and collapse walls; even relatively mild tremors can destroy furnishings and belongings. READ MORE >>
Monday, January 9, 2023Additional mortgage protection for low equity home buying For home buyers who want to purchase a home but have a down payment of less than 20 percent of the home's value, the mortgage lender may require private mortgage insurance (PMI). READ MORE >>
Monday, January 2, 2023Reputable credit counseling organizations advise you on managing your money and debts, help you develop a budget, and usually offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. READ MORE >>
Monday, December 26, 2022The settlement amount depends on which type of policy you have. Having inadequate insurance can affect the amount of compensation you get.
Replacement Cost and Actual Cash Value
Replacement cost provides you with the dollar amount needed to replace a damaged item with one of similar kind and qu... READ MORE >>
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