People with dangerous jobs, people who survived cancer and those guilty of drunken driving charges, all have something in common – they might need to pay more for life insurance. The age, vices and health status affect the rates they get from insurance companies: the risk of dying can incur an extra charge on premiums. The length of these “imposed charges” can be permanent or temporary depending on your insurer.

Getting a homeowners insurance policy is a way for you to protect your home at all costs if something goes wrong. However, what exactly does this mean? There are various types of policies with certain limitations, but a standard homeowners insurance policy is designed to cover damages caused by certain incidents, or, as the industry calls it, perils. Here are some of the most common perils covered by most homeowners insurance policies.

If you are reviewing this year’s budget and feel like you have trim it a little bit, your car insurance should be a good start. You don’t really need to sacrifice a good coverage just to save a few bucks but it’s not bad to talk to your agent about potential ways you can save more money while still fulfilling your insurance needs.

Starting your own business is no joke and there a lot of planning to be done. A common mistake that business owners make is to overlook how having a business at home can affect their current homeowner’s policy. In fact, it can cause problems and have a great impact on your possible coverage.