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R Hobbs Insurance Agency Inc Blog Page 18

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

You love your pet. You do all you can to keep your pet safe. But, dogs are animals. You cannot predict all instances of their behavior. When a dog bites a person, your home insurance may cover your losses. However, the insurer may also require the removal of the dog from the home or cancel the policy. READ MORE >>

Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options. Consider term life insurance if... You need life insurance for a specific period of time. READ MORE >>

A break-in is a tragic, terrifying experience. Even if you are not home, it can make it very difficult for you to feel comfortable and safe. Your home insurance policy is there to help you with some or all of the financial loss. Let's explore these ideas a little more closely. READ MORE >>

A premium for auto insurance is the cost you pay for it. What you pay depends on a variety of factors. What are some of these? Sometimes, what you pay can change due to the actions you take. It is always essential to work closely with your car insurance agent to know when this can happen. READ MORE >>

Your standard auto insurance or homeowners insurance will provide you with some liability coverage. If you are sued, those policies will pay up to your policy limits for legal judgments against you, as well as the related attorney's fees. READ MORE >>

Paying more for the same type of auto insurance can seem frustrating. Yet, most people will see their car insurance rates increase from time to time. This is not something unexpected. Why does this happen? What can you do about it? Understanding why and taking steps to secure lower rates is important. READ MORE >>

Ever wondered how insurance companies come up with your homeowner premiums? Here’s the inside info!  Accurately pricing homeowners insurance is not simple. Determining the premium for your home involves mathematical calculation based on many factors history has shown may increase or decrease your chance of suffering a loss. READ MORE >>

Deer-related car accidents are not uncommon. In some areas, they are on the rise. Impacts with a deer can cause a significant amount of damage. They can also be life-threatening. If you swerve to avoid a deer, though, you are at a higher risk for hitting another person or car. If you do this, who is at fault? READ MORE >>

After a car accident, one of the first things you should do is call your auto insurance provider. Your agent is your go-to solution. They will work with you, the police, and the appraiser to ensure repairs happen quickly. Consider for yourself some of the benefits of their service. READ MORE >>

Steps to take if your home is burglarized  Being burglarized can be a stressful time. In addition to the fear that something like that could happen to you, you’re now missing a lot of your most precious possessions. Take a deep breath…try and relax. The worst is over. READ MORE >>

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