As the holiday season approaches, many of us look forward to hosting family gatherings, dinners with friends, and festive celebrations. However, with a house full of guests comes an increased risk of accidents and mishaps. Whether it’s someone slipping on icy steps or a guest accidentally damaging property, these scenarios highlight the importance of ensuring you’re adequately covered. Let’s explore the liability aspect of hosting holiday gatherings and discuss what additional coverage options might help protect your home and guests. Understanding Your Homeowners Liability Coverage Most standard homeowners insurance policies include liability coverage, which generally protects you if a guest...

Home insurance is a vital shield for your property and possessions, but understanding how it's paid for can sometimes be puzzling. In this blog, we'll explore the topic of "How Is My Home Insurance Policy Paid?" to provide insights into the various payment methods for home insurance and offer tips for effective payment management. Payment Methods for Home Insurance Monthly Payments Many homeowners choose to pay their insurance premiums on a monthly basis. This option allows for spreading the cost over the year, making it more manageable for budget-conscious individuals. Semi-Annual Payments Some insurers offer the option of paying premiums...

Because seasonal changes affect your vehicle in a multitude of ways, it’s important to prepare for the transition from summer to fall. You’ll want to keep up on regular vehicle maintenance, while also paying close attention to season-specific car care tasks. Essential Fall Vehicle Maintenance Tips Check the Fluids Checking your vehicle’s fluids is one of the most critical car care routines. The various fluids lubricate, cool, and perform other vital functions that help keep your car running and driving. Take a few minutes to check the fluids under the hood, including the engine oil, coolant, and brake fluid. You’ll...

Getting Medicare is a major milestone. As your insurance agent, American Insurance Center wants to help you understand what Medicare is and what to consider when choosing the plan that’s right for you. Medicare is the federal health insurance program for: People who are 65 or older Certain younger people with disabilities People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD) With Medicare, you have options in how you get your coverage. Once you enroll, you’ll need to decide how you’ll get your Medicare coverage. The 2 main ways are Original Medicare or...

Renters insurance is an important policy that offers financial protection to renters. However, if you have roommates, you may wonder if you need individual policies or if a single renters insurance policy will suffice. Here's what you need to know about renters insurance for roommates: Individual Policies Each roommate should have their own renters insurance policy. This is because renters insurance policies typically only cover the belongings of the policyholder. If your roommate's belongings are stolen or damaged, your policy won't cover their losses. Additionally, if one roommate makes a claim on the policy, it could affect the premium rates...

Before you get life insurance coverage, you should understand why you need it. While there are many reasons to buy life insurance, the most common reasons include: Final expenses: Final expenses refer to any expenses related to someone’s passing. This can include a casket, funeral, preparations, memorial service, cremation and more. Life insurance for final expenses is worth considering—after all, the National Funeral Directors Association reports that the median price of a funeral with a casket is around $7,850. Families without enough funds are forced to cut back on the service or ask friends and family for donations. Some families...