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For new homeowners, if you managed to buy a house in today's market, you definitely have a lot to celebrate. So now what? Well, whether you just purchased your dream home and plan to stay in it forever, or a property you hope to use as a stepping stone to better things, there are a few things you need to know in order to make your investment work for you.
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Winter is coming, and with increased costs on gas, food, and just about everything else, it's no surprise that your energy bill might threaten to strain your budget this season, too. But there's actually a lot you can do to stay cozy and warm and reduce your energy consumption this winter. Here are some ways to save on heating.
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The New Year is a time to start fresh. And that doesn't have to only apply to your personal life. You can also take advantage of the energy and momentum around New Year's to make improvements to your company. If you want to take your business to the next level, here are five New Year's resolutions to commit to in 2022.
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The holiday season is upon us, meaning it's time to be jolly, gather with friends and family, and, hopefully, stay safe. But in addition to the things we're all wishing for, the holidays can bring some unwanted gifts in the form of accidents, damages, or injuries that might result in an insurance claim. So what are the most common holiday-related insurance claims and how can you avoid them? Read on to find out.
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When you move into a planned community, you may be required to join a homeowners association. Also known as an HOA, these organizations often collect dues and set rules about things you can or cannot do with or on your property. So what do you need to know if you're about to buy a property run by an HOA?
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Whether you're a business owner, contractor, or employee, most likely you take job safetyand on-the-job injuriesseriously. But many people have incomplete or incorrect information about Workers Compensation Insurance, which is designed to support both employers and workers when an injury does occur. Take the time to read about some common misconceptions about Workers' Compensation Insurance, and set the record straight.
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Extreme weather is becoming more and more common these days, but even run-of-the-mill heat, rain, or snow can ruin an event or make it very difficult to carry out certain business operations, like construction. And when you have put thousands of dollars into a multi-day festival, film shoot, wedding, outdoor sale, or any type of activity that can be negatively impacted by the weather, it can be devastating to have to cancel or postpone due to intense heat or a dangerous storm. Even worse, you might not be able to recoup your costs, unless you have weather insurance.
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Think insurance is confusing? That may have something to do with the specialized vocabulary that's been developed to describe the many concepts, tools, and policy types unique to the industry. But you don't have to be an insurance outsider... Here are some insurance terms to help you become a savvy consumer.
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As youngsters, the more serious-minded among us were vigilant about making the Scout motto "Be Prepared" a reality. Now with the latest round of fires, earthquakes and hurricanes, the old adage is more relevant than ever. Even in Montana, we all have the potential to encounter the occasional unpredicted mishap. But few events can be as unpredictable, or devastating, as natural disasters: hurricanes, floods, wildfires, tsunamis, severe storms, tornadoes, and landslides, many of which we've been faced with lately.
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While we covered the basics of homeowner's insurance last week, now we'll take a closer look at the contents portion of insurance policies, also known as Coverage C. This part of your policy applies to the contents of your home and can help to replace or repair those items if they are stolen or damaged due to any of the named perils that apply to your overall policy. But just because your homeowner's policy includes contents coverage doesn't mean you simply need to sign on the dotted line. You should take steps to make sure your coverage will truly be effective should the contents of your home and especially your most valued and important possessions be stolen, damaged, or vandalized.
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