Ricky Wells

  • 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.
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  • 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.
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  • 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.
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  • How To Make Sure That Your Homeowner's Insurance Policy Doesn't Get Canceled

    Sure, if you miss some payments, you could find that your homeowner's insurance policy gets canceled. However, there are other things that could cause you to lose your insurance policy on your home. If that happens, you might find that the next company that works with you may charge more for the same amount of coverage if they consider you to be a high-risk customer due to your previous cancellation. Therefore, you will want to make sure that you are spending a little time reviewing the following tips.
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  • 3 Effective Ways Truckers Can Save On Commercial Trucking Insurance

    If you drive a semitruck for a particular business, then it's absolutely essential to get commercial truck insurance. It helps take care of costs in case you're involved in any accident. So that you don't have to spend a fortune on this type of insurance policy every month, remember these money-saving strategies.  Shop Around  Different insurance providers typically charge different rates for their commercial trucking insurance policies. That being said, you need to compare the rates of different companies so that you end up with a policy that works for your budget perfectly.
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  • Independent Insurance Company Operation: Building The Business

    As an independent insurance agency owner, you may hope to insure under-served markets or have unique ideas about how to insure those in your community. However, because you're a new business entity, challenges aren't uncommon. How can your independent agency prosper? Join an Agency Network One reason independent agents have such a difficult time is that large insurance carriers refuse to work with new, freelance agents. There are sometimes requirements you'll be unable to meet on your own.
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  • Getting Home Insurance? 3 Things That Can Increase Your Premiums

    If you are applying to get homeowners insurance from a local insurance provider, you will be asked a lot of questions about your home that influence the premiums that you pay. You may not be aware that the following things will cause you to pay more for insurance than you intended. 1. Wood-Burning Fireplaces You may love that the fireplace is the focal point if your living room. Not only does it provide heat during the winter, but it creates a cozy atmosphere when it is running.
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  • 3 Ways To Keep Your Homeowner's Insurance At An Affordable Rate

    You want to make sure you take steps to keep your homeowner's insurance at a reasonable rate. By being proactive, you can make sure that you can afford your homeowner's insurance without breaking the bank. #1 Check Your Deductible Check and see what your deductible is. Your deductible is the amount that you have to pay if you file a claim before your insurance company will then pay for the damages.
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  • 3 Things To Keep In Mind When You've Been Ordered To File An SR-22

    If you have been ordered by the courts to file an SR-22, which is proof of car insurance, then you could be unsure of what to think about the whole situation. There is a lot of misinformation out there, but make sure that you keep these things in mind: 1. It is Important Not to Ignore This Obligation For one thing, it is important not to ignore this obligation, even if you are tempted to do so.
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  • Your House May Be Similar To Your Neighbor's, But You Still Shouldn'T Have Similar Coverage

    When it comes to homeowner's insurance coverage, the size and nature of the construction are just some of the many factors that determine your rates and the time of coverage you should have; this means you should not assume you need the same coverage as your neighbor even if your houses are exactly the same. Here are some of the reasons you and your neighbor need different coverage: You Don't Have Similar Contents
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