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R Hobbs Insurance Agency Inc Blog

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

Private mortgage insurance Additional mortgage protection for low equity home buying   For home buyers who want to purchase a home but have a down payment of less than 20 percent of the home's value, the mortgage lender may require private mortgage insurance (PMI). READ MORE >>

Home insurance is not just to protect the home itself. In fact, liability protection may be the most important part of your home insurance plan. A new roof or garage door is something that you might be able to cover out of pocket, but the costs incurred in a personal injury case can bankrupt the average family. READ MORE >>

Renting a car is old hat to some people. They may travel for work or for pleasure on a monthly basis and have a system worked out that they don't need to break. But not everyone is familiar with the process, and it's common to question whether to spend the money on additional auto insurance for a rental car. READ MORE >>

You have a financial responsibility—don't take chances by being uninsured   You cannot legally drive in any state without demonstrating financial responsibility for damages or liability in the event of an accident. In most states auto insurance is mandatory as proof of this responsibility. READ MORE >>

Home insurance comes in a wide variety of forms, which can quickly confuse a person if they're not familiar with the lingo of their carrier. If you're interested in getting as much coverage as possible, then comprehensive might sound like the best bet for you. READ MORE >>

If you want to start a small business, you should not be afraid to take a few risks. In many cases, taking a risk is the only way that you can truly achieve success. However, this doesn't mean that you should take risks for no reason. In fact, it is smart to reduce risks wherever and however possible. READ MORE >>

The tips below will help you save money wisely, but don’t rely on price alone. Key factors in choosing a policy Company financial stability - Because you may not collect for decades to come, be sure to buy from a company that has been around for some time and is financially stable. READ MORE >>

Assuming payments are made on time, it does happen from time to time that a home insurance provider chooses to drop one of their clients. This isn’t common, but is possible. Luckily, it's not that hard to stay in good standing with your insurer. Here are the most common causes for being dropped by a provider: READ MORE >>

There is both financial and reputational risk associated with running your own business. Therefore, it is essential that you insure your organization and your employees to protect yourself. Unfortunately, there are many mistakes that small business owners commit when buying an insurance policy. READ MORE >>

10 reasons to own life insurance after your kids have left home   There are several reasons to continue having a life insurance policy even after your children are financially independent. 1. To meet goals If your children are in college and/or not completely financially independent, life insurance can help “finish the job. READ MORE >>

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