Calvin Miles

  • 4 Reasons You Need Homeowner's Insurance

    If you own a home, you should carry homeowner's insurance on your property. Homeowner's insurance offers many benefits that are important to have access to as a homeowner. Reason #1: Protect Your Home The primary reason to have a home insurance policy is that it allows you to protect your primary dwelling, which is your home and where you live. You should try to ensure your home is at close to its full value; that way, if your home experiences any damage, be it minor damage or needs to be replaced, your insurance will totally cover fixing everything up after you pay your deductible.
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  • 3 Things You Need To Know About Contractor Liability Insurance

    If you run a construction company and build and work on other people's property, you must carry a contractor's liability insurance policy. This type of policy is about protecting yourself and your business from liability claims, which is always a possibility when your work requires you to be on other people's property most of the time. Contractors include a wide range of professionals, such as general contractors, concrete contractors, roofers, carpenters, electricians, handypeople, snow removal businesses, and a wide range of other building services.
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  • 4 Easy Methods For Reducing Your Car Insurance Premium

    If your car insurance premium is a little more than your budget allows for, you can make adjustments to your coverage that will help immediately lower your premium and save you some money on your bills for the moment. Easy Way #1: Increase Your Deductible One straightforward way to reduce your premium is increasing your deductible. Your deductible is what you pay when you have a claim. For example, if you were to damage the front end of your car in an accident, and the repair costs $1500 and you have a $500 deductible, you would pay the $500, and your insurance would cover the other $1,000.
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  • 4 Things You Need To Understand About Medigap As You Approach Retirement

    If you are getting ready to retire soon and will qualify for Medicare, you need to understand all of the Medigap options that are available to you. Here is a quick rundown of a few simple things you need to understand about what Medigap polices are, how they work and what they cover so you can make an informed health insurance decision. #1 Medigap Doesn't Work With All Types Of Medicare Coverage
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  • 4 Mistakes To Avoid When Adding A Teen Driver To Your Auto Insurance Policy

    Getting a drivers license is a right of passage for a teenager, and most teens are excited about getting behind the wheel. But as a parent, you may not be so happy to see how much your auto insurance premiums shoot up when you add a teen driver to your policy. If you have a teen who will be driving soon and needs to be added to your policy, avoid the following mistakes:
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  • 3 Ways Technology Can Help You Save on Auto Insurance

    Purchasing auto insurance can be a major hassle for some drivers. The average annual cost of car insurance is $907.38. Factors such as the driver's age, the age of the car being driven, driving history, and location can play roles in how expensive or inexpensive auto insurance is. Saving on insurance is a goal for many drivers, but many are unsure about how to do so. Luckily, technology can actually help drivers save.
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  • Three Steps For Getting The Most From Your Homeowner's Insurance Policy

    Having an effective homeowner's insurance policy is critical making sure that the investment you made in your home is protected against a variety of the more common threats that it may face. Unfortunately, there are many homeowners that are unsure of the steps that they should take to make sure they are getting the most protection from these policies. To this end, you will want to be mindful of these simple homeowner's insurance tips when it comes to protecting your house.
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  • Moving To A No-Fault State? What Are Your Insurance Options?

    If you've recently decided to move to a new state, you're likely already making arrangements to have your mail forwarded, your bank billing information changed, and your utilities and cable service transferred over to your new home. While registering your vehicle and getting a new driver's license may also be in your plans, when you're moving from a state with the traditional fault structure to a no-fault state, there can be some additional factors to consider.
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  • Don't Let The Rules For Signing Up For Medicare Catch You Unaware

    Even if your full retirement age for filing for Social Security retirement benefits is older, you can still sign up for Medicare at age 65. Although you can elect to postpone enrolling in this federal health insurance program until sometime after age 65, depending on your reason, you can be penalized for signing up for the health plan late. Because that penalty can cost you for the remaining years of your life, it's essential for you to be clear on the rules for enrolling in Medicare.
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  • What You Need To Know About Having Car Insurance On A Parent's Policy

    When you are a teenager and first start driving, you have two options for getting your car insurance. You can apply for your own policy, or be added to the one your parents have. Here is what you need to know about the being added to your parent's existing policy. It's Cheaper It will be cheaper to add yourself to an existing policy that your parents have. Auto insurance companies will consider a new teenage driver a high risk, so the rates will naturally be higher for solo policies.
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