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Life insurance is something we all need. The question then becomes how much is the right amount to have. The value of an insurance policy is referred to as the “face value.” This is also known as the death benefit. Either way it means the amount that the policy will pay out in the event of the policyholder’s death. When you are considering life insurance, understanding all the expenses in

The stormy season can be treacherous no matter where you may live, but residents of Florida tend to see the worst of storms with hurricanes and severe flooding occurring several times per year. These storms can cause major damage to your property and some of which may not be easy to repair or restore. If you live in one of the more dangerous storm areas in the state, take precautions before and

The holidays are the perfect time to travel home and spend time with friends and family members you haven’t seen in a long time. If you have already planned your trip, it is likely you are looking forward to hitting the road. But, are you prepared for the incidents and issues that could occur along the way? There are so many things that can stand in the way of a pleasant holiday vacation from

It’s no secret that the holidays can be a stressful time of year. Last minute shopping and wrapping up the end of the year details can take its toll on even the most patient of people.  Let's not forget the pressure of holiday guests that will soon be visiting your home.  Whether it's out-of-town family or friends coming over for a New Year’s Eve party, mishaps seem to increase during the ho

Life insurance has interesting applications beyond protecting dependents and loved ones. It can be used as a savings tool, retirement investment, and even for charitable gift giving. The best time to purchase a life insurance policy is as soon as possible. As individuals get older, life insurance becomes more expensive. It’s prudent to plan and get educated about the many uses of a life insur

Recreational vehicles (RVs) are a prized possession for millions of Americans. They allow families to enjoy economical vacations whether exploring the country or just the local campground. While vacationing in an RV is often cheaper than many hotels on a per-night basis, RVs have a number of costs that do not go away once the fun is over. Maintenance is required to keep your RV operating in tip

Mistakes can be costly in life, and it’s no different when considering an auto insurance policy. When you have the wrong insurance, you will pay more than you should. The extra cost will be seen in either the monthly premium or when you go to file a claim. It’s important to research your options well and read all the fine print. Here are five mistakes to avoid before settling on your vehicle i

If you run a business, you need Commercial Property insurance, no questions about it. Whether you lease your space, own your building, or work from home commercial property coverage is essential. Especially for small businesses that may not have the cash flow to replace a location, equipment, or precious inventory if a fire or other unforeseen event occurred. Commercial Property Insurance Expla

When people think of workers compensation, they often think of difficult jobs like mining, construction, or another job that carries the highest amount of risk for the people who work there. While every job contains some amount of risk, there are other jobs where location, equipment, and the work being done can increase the risk of employee injury. Workers compensation is employee compensation

With the holiday season right around the corner, it's almost time to unpack the festive decorations. However, homeowners should be aware that holiday decoration fires cost an average of over $19 million in property damage annually. Candles, holiday lights, and overloaded outlets have the potential to start a devastating fire. The resulting injuries and accidents not only put a damper on festivitie

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