While an instant insurance cost estimate calculator is just that, an estimate calculator, it can offer great insights that allow you to compare insurance products by costs and coverage. This means you can use this tool to help you estimate the costs of insurance for your home, vehicle, etc. with differing degrees of coverage so that you can make informed decisions about the right balance of cost and coverage for your insurance needs.

When your home insurance renews each year, have you noticed that it seems like the rate increases? While the rate increase may not be a lot all the time, it can add up over time. Why are your rates increasing, and what can you do to bring those prices back down? There are many factors that play into your insurance premiums. Some of these factors can be controlled, but unfortunately, other factors cannot be controlled.

As an employer, it is in your best interest to ensure that your financial interests are protected. Remember that, any time you hire an employee, you are increasing your company's risk of a claim or loss for many different reasons. That's why employment practices liability insurance is such an important investment. Here are a few things that you should know about employment practices liability insurance. Why Does Employment Practices Liability Insurance Matter?

When you run a business, one of the types of insurance that people are going to recommend that you carry is general liability insurance. General liability insurance is not required as a business owner, but it is a smart business move to make. Important Fact #1: Covers Lawsuits Filed by Third Parties General liability insurance is designed to cover when a third-party file a legal lawsuit against your business. It does not cover when an employee gets hurt at work, that is what your worker's compensation insurance is for.

When you want maximum protection and peace of mind behind the wheel, a full coverage auto insurance policy is a smart choice. With a full coverage policy, you'll be protected whether you're in an accident, your car is stolen, or just about any situation in between. Before you buy a full coverage policy, though, there are a few things you should know. What Is Full Coverage Auto Insurance? The term "

For many small businesses, the leap from a home-based business to a brick-and-mortar location is sometimes frightening. However, there are things that can be done to minimize these uncertainties. Investing in business liability insurance is by far one of the best things you can do to minimize these uncertainties. The Landlord Protects the Building When you operated your business out of your home, you were probably able to add a coverage component to your homeowners' policy to cover losses for your business.

SR-22 insurance is a form of auto insurance that's specifically for high-risk drivers, and it costs more than standard auto insurance. If your state has mandated that you carry SR-22 insurance, however, there are ways to reduce the premiums you pay. Even if the premiums don't get down to a standard policy's rates, these three steps can help you save on an SR-22 policy. Check Your Credit Report In most states, your credit score can still influence how much insurance companies charge for auto insurance.

In insurance circles, an act of God is a natural event that is outside the sphere of influence of human beings. For example, a lightning strike is an act of God because people can't control lighting. While lighting is a clear-cut example of an act of God, there are some cases that are not that explicit. Coverage Homeowner's insurance doesn't differentiate between acts of God per se. Most of the policies don't even identify some risks as such.

Many people don't know whether their auto insurance policies cover pothole damage. Pothole damage may or may not be covered, depending on the following factors. Your Policy The first factor is the type of coverage you have. Three common forms of coverage can help you with your pothole damage. You will probably be out of luck if you don't have any of these forms of coverage. The first one is collision coverage, which covers damages arising out of collisions with other cars or objects (in this case, the pothole is considered another object).

Choosing the right prescription drug plan is essential. Those who are enrolled in Medicare can benefit from having prescription drug coverage added to their existing Medicare coverage through a private insurance provider.  The following are six things that you need to look for when you're comparing various prescription drug plans to ensure that your health care costs will be under control as a Medicare recipient. Coverage for the most common prescription medications out there