Ricky Wells

  • How To Make Sure Your Home Insurance Offers Enough Protection

    If your house burned down to the ground, would your homeowner's insurance plan cover the entire loss? If not, you should update your policy so that it would. How do you know if your plan is enough? How do you choose the right coverage types and amounts? If you do not know these answers, here are several tips to help you have the right amount of coverage if you ever experience a total loss of your house.
    [Read More]

  • How To Become An Insurance Agent

    If you're good with people and enjoy working with numbers, a career as an insurance agent might be perfect for you. Insurance agents help individuals and businesses purchase the right insurance for their needs. Unlike insurance brokers, insurance agents work very closely with insurance companies. Agents have the ability to offer insurance packages that have been pre-approved by the companies they represent. If you're interested in becoming an insurance agent, here are the four things you will have to do:
    [Read More]

  • Why You Should Carry Medical Malpractice Insurance

    As a doctor or nurse, you likely take great pride in your work and in doing everything you can to help the people who come to see you about their problems. But in today's world, making a mistake as a doctor or nurse could leave you open to a lawsuit. If someone makes a medical malpractice claim against you, it could ruin you financially if you are not prepared for it.
    [Read More]

  • Car Insurance Premium Went Up? What You Can Do To Get It Back In Line

    Your automobile insurance rate can sometimes go up without warning. Maybe you got a speeding ticket some time back and it finally popped up when your insurer ran a random motor vehicle report (MVR.) Or you added your teenager to the policy because they obtained their driver's license and the price increased due to their inexperience. However it happened, you need to find ways to bring your rate back down to an affordable level.
    [Read More]

  • Coverage Options For Home Businesses

    If you have a home business, you should not assume that your home insurance policy can help with your business losses. Home insurance excludes business-related losses. You need coverage specifically for your home business. Below are three major insurance options you can use to secure your home business. Home Insurance Endorsement Some home insurance carriers will provide coverage to your business equipment at a small additional fee. This is called an endorsement.
    [Read More]

  • Auto Insurance: 3 Tips To Purchase An Affordable Policy For Your Teen

    Due to the fact that teenagers are inexperienced on the road, they are at a higher risk of being involved in auto accidents than other age groups. As a result, it can be expensive to add a teenager to an auto insurance policy. To ensure that you get the most adequate coverage for the most affordable price, here are three things that you should take into consideration when you have a teen reaching driving age.
    [Read More]

  • Auto Insurance 101: Understanding Coverage Types

    When you shop for auto insurance services, there's a lot of coverage terminology that gets thrown around and that can be a little confusing. By having a better understanding of the most common types of auto insurance and what they actually mean, you'll make informed decisions as you put together your ideal policy. State-Minimum Coverage Each state sets its own laws regarding how much coverage drivers must carry in order to operate a motor vehicle within the state in which they're registered.
    [Read More]

  • Potential Sources Of Home Insurance Discounts

    Many people don't understand home insurance discounts as well as they do car insurance discounts. This is unfortunate because there are dozens of ways you can enjoy discounts and effectively reduce your home insurance payments. Below are some of the ways to enjoy these discounts. Home Improvement Any improvement that makes your home stronger or more durable is welcome news to the insurance company. Such improvements reduce the risk your home poses to the insurance company.
    [Read More]

  • The Liability Component Of Renters' Insurance: What You Need To Know

    If you rent a home, condo, or apartment, one way to help protect your household is by purchasing a renters' insurance policy. Most individuals know that renters' insurance will protect their belongings in the event of a fire, theft, or other mishap, but your policy also includes liability coverage. The liability component of your policy extends financial protection for incidents where someone is hurt or incurs damages on your property. Here are a few details you should know about the liability component of renters' insurance.
    [Read More]

  • Why You Need SR-22 Coverage If You Do Not Have A Car Or License

    SR-22 insurance is often referred to as high-risk insurance; however, there are many high-risk drivers who do not need this type of coverage. This form of coverage is only needed in certain situations, and it is often the result of getting charged with a DUI or some other type of major driving offense. If you receive news that you must get this type of coverage, you should understand that you will need to buy a policy even if you currently do not have a car or a license, and here are a few things to understand about this.
    [Read More]