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R Hobbs Insurance Agency Inc Blog

View the latest blog posts from R Hobbs Insurance Agency Inc.

It is not a hard task to determine whether you require comprehensive coverage for your car. However, before you make the decision to buy comprehensive coverage, you need to have a good understanding of how it works. Comprehensive coverage is intended to cover a variety of physical damage claims, such as windshield and body damage, vandalism, and contact with an animal. READ MORE >>

The first step when doing renovations in your home: Get in touch with your home insurance provider. Below, we'll run down the basics of what you need to know, but every insurance provider has their own rules regarding renovations, and the only way to avoid an insurance gap is to make sure that you keep them up to date every step of the way. READ MORE >>

If you’re hiring people to work in your home, make sure you’re covered   Accidents happen—and if they happen to people you've hired to come into your home or onto your property to work, you're financially liable. It makes sense to understand how you're already covered and when to further insure household help. READ MORE >>

It is essential for all drivers to have sufficient car insurance. However, cost is one major obstacle that prevents many drivers from getting the car insurance they need. Fortunately, the cost of premiums can fluctuate depending on several factors. Read this article to learn how you can save money on car insurance without skimping on quality. READ MORE >>

Business insurance is not a one size fits all product. The type of coverage you need depends on many factors, such as what kind of business you have and where you conduct your operations. Overall, companies need general liability and property insurance. If you have people working with you, you also need workers' compensation. READ MORE >>

How to be financially prepared to leave an abusive partner Abusive relationships not only involve physical and emotional violence—they often include financial abuse as well. Indeed financial abuse occurs in 99 percent of all cases of domestic violence, according to the National Network to End Domestic Violence (NNEDV). READ MORE >>

When you get into an accident that seems relatively minor, you may end up surprised when your insurance company declares your vehicle totaled. Also known as declaring a total loss, this decision relies on different information than you might expect. READ MORE >>

If you have renters in your home, be they tenants or roommates, in a scenario where you are the owner, and they're the renter, you are technically a landlord. Your home insurance is going to be affected in different ways. Here's what you need to know: Many providers will allow up to two roommates with no changes being made to your policy. READ MORE >>

Reasons to purchase permanent life insurance A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. There is also a savings element that will grow on a tax-deferred basis and may become substantial over time. READ MORE >>

In one year, tired driving accounted for around 72,000 crashes, totaling 800 deaths and 44,000 injuries. Even if you manage not to fall asleep at the wheel, drowsiness slows down your reaction time and hinders your ability to think coherently and make smart driving decisions. Put simply, it's not worth the risk. READ MORE >>

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