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Do I Need Comprehensive Coverage for My Car Insurance?

When purchasing car insurance in Bradford, Vermont, drivers have several optional coverages to consider. One option coverage that many drivers select is comprehensive coverage. Here’s how to decide whether this coverage makes sense for you.

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Does Contractors Insurance Cover Rented Equipment?

While many contractors purchase at least some of the equipment they use, there are situations when it makes sense for a contractor to rent or lease equipment instead of buying it. For instance, renting equipment can help reduce startup costs so new contractors can invest their capital towards other uses. Additionally, both new and established contractors sometimes need a specialized piece of equipment for a one-off project, and renting it is much less expensive than purchasing the equipment. Whatever a contractor's reason for renting equipment is, any contractor that rents or leases equipment should make sure their contractors insurance policy covers the rented equipment.

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Does Workers Compensation Insurance Cover Traveling Employees?

Most businesses that are legally required to have workers compensation insurance can choose any policy that meets Vermont’s requirement. Businesses that have workers who travel to other states, however, need a policy that extends coverage to the states in which the company’s employees travel. If you have a business in the area but send employees to other states, here’s how to find a workers compensation policy that will protect your employees when they’re outside Vermont.

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Why to Check Your Condo Insurance for Loss Assessments Protection

Condominium owners generally aren’t held personally liable for accidents that happen in their building’s common areas. They can, however, end up being financially responsible for any accidents that their association is held liable for. If you own a condominium in Bradford, Vermont, make sure your personal condo insurance policy provides protection against this potential risk. The coverage to look for is loss assessment coverage.

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Do I Need Homeowners or Landlord Insurance for Renting Out My Home?

When purchasing insurance for a residential building, it’s important to get the right type of insurance. If you don’t, you may one day find that your building wasn’t as well protected as you thought. If you’re getting a place in Waitsfield, Vermont, you’ll probably want either a homeowners insurance policy or a landlord insurance policy. Here’s a look at these two types of insurance.

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What to Know About the New Safeco Insurance Mobile App

Modern society is a mobile society. Because you’re always on the go, you need insurance that can go with you. Safeco has been a leader in the insurance industry since 1923, and with their new mobile app is continuing its forward-thinking approach to insurance.

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Independent Agents Offer Many Fayston, VT Homeowners Insurance Quotes

It’s no secret that shopping around and comparing prices is one of the best ways to save on almost any product, from a new screwdriver to a new car. When purchasing homeowners insurance, it’s a little more difficult to accurately compare different companies’ offerings on your own than it is to evaluate different screwdrivers or, even, different cars. An independent insurance agent, however, can help you easily compare homeowners policies from every insurer serving Fayston, VT.

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Some New Haven, VT Homeowners Insurance May Not Include the In-Laws

In-law apartments provide independence while maintaining a close proximity. In doing so, they sometimes blur the lines between immediate and extended family -- especially from an insurance perspective. If you have a home in New Haven, Vermont, and your parents live in an in-law apartment attached to your house, your homeowners insurance policy might provide coverage for them and their belongings.

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Renters Insurance May Not Cover Home Offices for Renters in Barre, VT

Most renters in Barre, Vermont are able to find at least one (if not several) personal policies, including renters insurance policies, that provide the insurance coverages they need. Tenants who have a home office, however, may not be able to find a renters policy that meets all of their needs. Here’s why.

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Small Biz Tips in New Haven, VT: Why You Need a Business Owners Policy

A business owners policy is an insurance package that combines multiple business insurance policies into one, convenient package. Business owners policies may not be right for every business, but lots of New Haven, VT small businesses would benefit from the coverages that one can provide.

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Homeowners Insurance For Warren, VT Residents: How to Read Your Policy

After purchasing homeowners insurance from an insurer that serves Warren, VT, you’ll likely receive a copy of your homeowners policy. This is a packet of paperwork that details all of your policy’s terms, conditions, coverages, and limitations. Reading through this packet may be intimidating, but it’s important to understand the policy so that you know the extent of your homeowners protections. Here’s a guide to what you’ll likely find in your homeowners policy.

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Homeowners Insurance in Moretown: Get Better Quotes for Your Home

Whenever you’re making a big purchase, it’s important to shop around for the best value. Most people will look up prices on a television that costs a few hundred dollars before buying one, and some will even spend time researching prices when buying something small, like a book. If you’ll shop around when buying something that’s a few hundred dollars, then it only makes sense that you would shop around for the best value when getting a new homeowners insurance policy that can cost thousands per year. Thankfully, a independent insurance agent can help you compare homeowners policies in Moretown, Vermont in just minutes.

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Homeowners Insurance in Vergennes: Are Your CDs Protected in Your Car?

CD collections cost a lot to replace if they’re lost. Even a collection of 200 CDs, which is sizeable but not unusual, would cost $1,000 to replace if each CD were available at a store in Vergennes, Vermont for just $5.00. Because it can cost so much to replace CD collections, it’s important to make sure yours is properly insured no matter where it goes. Specifically, you should make sure your homeowners insurance policy provides coverage for your CDs when you leave them in your car.

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Homeowners Insurance in Montpelier: Covering Your Valuable Artwork

Even though price isn’t necessarily indicative of beauty, many of the fine pieces of art that collectors purchase are worth a significant amount. In some cases, their value exceeds the standard coverage that most homeowners insurance policies afford. In order to make sure their collection is fully insured, therefore, art collectors in Montpelier, Vermont can’t just purchase any homeowners policy. Instead, they should talk with a knowledgeable insurance agent who can help them explore all their coverage options.

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Important Car Recall Safety Tips for Vermont Drivers

A recent study by Recall Masters reported that each day there are 955,368 used cars for sale. Of this number, 36,105 are cars with open recalls on them. Sixty-two percent of these cars have active recalls that require attention, which means your safety and the safety of your passengers may be at stake. When we looked at the most common culprits behind the recalls, we found topping the list at just shy of seven percent is the defective hood latch.

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3 Questions for Your Contractors Insurance Agent in Waterbury, Vermont

Contractors, like most business owners, need insurance to protect their company from a variety of potential risks. The risks that contractors face, however, are unique to their industry, and they, therefore, have unique insurance needs. If you’re a contractor in Waterbury, one of the easiest ways to find the insurance policies your company needs is to work with a knowledgeable contractors insurance agent who’s licensed in Vermont. Here are three questions to help you find just such an agent.

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Workers Compensation Insurance for Your Warren, VT Business: Two Markets

Most businesses in Warren, VT that hire employees will need workers compensation insurance. This type of insurance is generally designed to compensate workers for medical bills and lost income that are caused by a job-related injury. If you have a young business in the area and are looking to hire your company’s first employees, here’s how to find this type of insurance.

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3 Ways to Save on Motorcycle Insurance When Buying a Bike in Barre

Motorcycle insurance companies take many factors into account when calculating policy premiums. In addition to considering a rider’s age, record, experience, and location (such as Barre, Vermont), insurers also take into account the bike that the rider owns. If you’re looking to buy a new motorcycle, here are three ways you can keep your future insurance premiums.

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Workers Compensation Insurance in Bradford: What is Covered for You?

Workers compensation insurance is designed to help employees if they’re ever hurt while on the job. A policy will often cover medical bills and income lost due to a covered claim (exact coverages vary). What precisely counts as a covered claim is determined by each policy’s terms and conditions, but it often includes more than simple injuries. If you own a business in Bradford, Vermont, your company’s workers compensation policy may well cover these three potential scenarios

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Barre Startup Advice: Budget for a BOP With General Liability Insurance

When drawing up a budget proposal for a new business, there are many expenses to include. You need to account for everything from legal fees for registering your company to a marketing campaign. One thing that is sometimes overlooked, but shouldn’t be, is a business owners policy (BOP) that includes general liability insurance. If you’re starting up a company in Barre, Vermont, make sure you include a policy quote in your projected expenses.

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