What to Know Before Joining the Tiny-House Movement

A small wooden house in the woodens with a stone path leading to the entrance, meant to signify the tiny-house movementYou’ve likely read about the tiny-house movement in an article or caught wind of the trend on Netflix’s Tiny House Nation. For small families or those looking to sell to take advantage of the blistering housing market, moving into a tiny home temporarily or permanently can sound alluring. The costs are minuscule, and unlike renting, you have complete authority over the interior and exterior remodeling. However, it can also be frightening to imagine the downsizing requirements of tiny-home living. Let’s discuss what you should know before jumping aboard the tiny-house movement. [Read more…]

What Happens If Your Vehicle is Totaled?

A blue car on the side of the road that was rear-ended by a white car.When you take your insurance’s definition of a total loss into consideration, it’s easy to see why a seemingly minor dent totaled your 2007 Saturn Aura. By most definitions, a vehicle is considered totaled when the cost of repair exceeds the actual value of the car. If your car’s value is low enough, even a slight fender bender can result in a total loss declaration. However, though it’s easy to understand how a car can be considered totaled, it’s less obvious what happens after your vehicle is totaled. Let’s review the insurance process and what this designation means for you. [Read more…]

The Difference Between General and Professional Liability

A psychiatrist giving consultation to a patient, meant to depict the need for professional liability insuranceAs a business owner, one of your top priorities is keeping your company protected from liability. A single lawsuit can be enough to topple a small business if not outfitted with the proper protections. However, with every industry facing its own set of risks, how do you know which insurance is right for you? Does a contractor require the same type of commercial insurance as a business consultant? To best safeguard your company, let’s review the difference between general and professional liability. [Read more…]

What To Know Before Signing a Rental Lease

A person holding a pen about to sign a rental lease with a pair of key atop the agreement papers.With the price of housing at an all-time high, more people are becoming and staying renters. If you’re one of those people and you’ve found the perfect apartment for your lifestyle, it can be tempting to rush the agreement process and settle into your new home. However, it’s important you take some time to assess the situation and ask the landlord the right questions before moving in. Being informed protects you from any unwanted surprises down the road or from agreeing to an unfavorable contract. To help you out, we’re here to discuss what to know before signing a rental lease. [Read more…]

How Does a DUI Affect Your Auto Insurance?

A man in the driver's seat of a car breathing into a breathalyzer to determine the possibility of a DUIDriving under the influence is a serious offense that can not only temporarily lose your license but can affect your insurance for years to come. While everyone finds this an easy misdemeanor to avoid, people aren’t always aware of how just two drinks can put you over the legal limit or that certain prescription drugs can land you in deep water behind the wheel. There are obvious safety concerns when it comes to drinking and driving, but let’s review the further financial implications by discussing how a DUI can affect your auto insurance. [Read more…]

How to Avoid Falling Victim to Contractor Fraud

A hammer lying next to bent nails. A failed attempt at hammering nails into a board, meant to represent contractor fraud.Home repairs, renovations, and remodeling are pricey, and finding someone to do the job within your budget can be challenging. However, cutting corners when hiring a contractor can cost you more than your potential savings. Shady contractors often take advantage of regions recovering from hurricanes or suffering from price inflation to cash in on substandard or incomplete work. While most contractors work in good faith, you should learn what it takes to avoid falling victim to contractor fraud for the sake of your wallet. [Read more…]