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R Hobbs Insurance Agency Inc Blog Page 13

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

The foundation of your home is a critical component. Everything builds up from it. A small crack or area of damage could mean the entire structure is at risk. Yet, foundation problems can also be expensive to fix. Will your home insurance help cover your losses? The answer depends on a number of factors. READ MORE >>

I’m Insured, so Why Do I Need Uninsured Motorist Coverage? Even though insurance is required, there are many uninsured drivers on the road. Some of these people can’t afford to pay for damages after they cause an accident. READ MORE >>

Most business owners need to maintain comprehensive insurance coverage for their property. This includes property insurance, contents insurance and liability coverage. Like many consumer-based home insurance policies, business insurance does not outright cover flooding or earthquakes. READ MORE >>

You may be looking for a way to add a bit of privacy and comfort to your home. A she-shed, or a he-shed, is a trendy way of doing just that. Converting an outdoor shed into a space for relaxation can be a good thing. Before you do that, though, you need to be sure you are creating a space that is safe. READ MORE >>

Consider the New Year an opportunity to reevaluate your insurance needs to decide whether to renew, change, or purchase policies.   Ask yourself these questions to help make sure you are properly protected: ·         Do you have an immediate need to renew any of your current policies before the coverage period ends? READ MORE >>

Are you planning to obtain a new auto insurance policy? Perhaps you are looking for quotes on an auto insurance policy to save money. When asked about your driving record, be honest. Not doing so is going to cost you in the long term. Most drivers will find car insurance even if they have a few points on their license. READ MORE >>

Many Americans have more possessions than they can keep in a house. As a result, many turn to self-storage businesses to store these items. So, the owners of the operations must insure their business to the highest degree. It helps guarantee operations remain secure in the event of unexpected problems. READ MORE >>

Protect Against Drunk Driving The good news is that studies have shown that people have been gradually less likely to drive drunk for quite some time. However, that doesn’t mean people don’t drive drunk. Most people realize how stupid and dangerous it is, but it still happens much more regularly than it should. READ MORE >>

Take a walk around the exterior of your home. Do you have spigots present that provide a source of water outside for the home? What you may not realize is that they create a real danger to the interior of your home, too. While home insurance may cover burst pipes, minimizing the damage risk is essential. READ MORE >>

Are you responsible for another person’s injuries if they happen on your property? Initially, you may believe the answer is yes. But, there are some limitations. If a trespasser enters your property, you still have some responsibility for providing a safe space. READ MORE >>

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