What is a Lienholder on a Purchased Vehicle?

A car dealership representative holding a calculator and presenting a car loan agreement to a buyer that would result in a lienholder on a purchased car.There are few things more exciting than purchasing a new car. Since cars cost a hefty sum, it’s not out of the ordinary to not have the means to pay for them upfront. This is where you can rely on financing or a car loan. With a loan, you can take your car home while committing to monthly payments for a fixed term. When you enter into a loan, you are signing a binding agreement between you and an entity known as a lienholder. Let’s discuss the purpose of a lienholder on a purchased vehicle and what that means for your financials and insurance. [Read more…]

Fire Safety: Fire Extinguishers and Their Types

A man checking the pressure of a fire extinguisher, with another fire extinguisher behind the focal one.Your home is a safe haven, but it can only remain so if you take the appropriate precautions. Essential safety items keep your home protected, and of these items, one of the most important is fire extinguishers. Having the right fire extinguisher in your home can save you and your family’s lives and prevent serious damage to your house. However, it’s important you become familiar with everything there is to know about your fire extinguisher. Let’s discuss fire extinguishers and their types, so you’re fully prepared for a disaster. [Read more…]

How to Increase Fuel Efficiency when Boating

A fishing boat in a lake refueling at a dock gas pump.On a perfect day out on the water, you could expect to burn dozens of gallons of gas. With the current price of gas, that can become a very expensive outing very quickly – especially if you have to rely on the fuel station at the marina, which tends to run even higher than traditional gas stations. Fortunately, there are some simple strategies you can follow to reduce fuel usage with your boat, saving you money and cutting down on emissions. Let’s review some tips on how to increase fuel efficiency when boating. [Read more…]

Before You Get BOP Insurance: Taking a Business Inventory

Businessman taking a business inventory in a warehouse.Once a business goes from ideas on paper to business cards or from hobby to storefront, it’s time to invest in a BOP – Business Owners Policy. And one of the most important parts of that coverage? Insuring your business’s property. Furnishings, computers, and specialized equipment can all add up, and a disaster such as fire, theft, or flood can end your business without coverage. And one of the most important parts of getting the right BOP is taking a business inventory. [Read more…]

How Homeowners Insurance Covers More Than Just Your Home

A family at home, including two parents on a couch watching children play.When you think about your homeowners policy, the first thing that probably comes to mind is the house itself and your belongings in it. And while it’s true there might be the most pressing coverages needed in the event of disaster striking, they aren’t the only coverages that your average home insurance policy has. Learn how homeowners insurance covers more than just your property – including the protection for those you love and needs outside your home. [Read more…]

What is Usage-Based Insurance and Should I Get It?

Driver at wheel of car with usage-based insurance and telematics icons on windshield.While for many, the use of vehicles remains a daily need, some disruptions and an emerging “new normal” are giving more and more people the option not to use their car every day. From working from home to moving into urban areas with robust public transit and a willingness to walk and bike more to “go green,” not everyone needs their car all the time. Usage-based insurance is made for these people, using technology to track automobile use to make people only pay for insurance based on their usage and driving habits. Learn how it works in this blog. [Read more…]