Monday, January 13, 2020You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize—4.5 million occur every year in the U.S., according to the Centers for Disease Control and Prevention. And most victims are young children. READ MORE >>
Thursday, January 9, 2020Thousands of cars are alike. Several homes in the same neighborhood are alike. But no two businesses are alike. Two franchise restaurants will be in different neighborhoods, but they might keep different hours and have different sizes of staff. So, there's no one-size-fits-all solution to business insurance. READ MORE >>
Tuesday, January 7, 2020Getting into any type of car accident can be scary. But it's even worse when the other driver flees the scene. The hit-and-run driver's goal is to try to get away. But if you act swiftly and smartly, there's a good chance you can have them held responsible.
Here are the steps you should follow, if you find yourself in this situation. READ MORE >>
Monday, January 6, 2020Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value. With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like R Hobbs Insurance Agency, Inc., you get choices. READ MORE >>
Thursday, January 2, 2020If you're looking to rent an office, you should also look into business insurance. Whether or not you expect to have clients come visit you, it's still a good idea to protect yourself. And your landlord may require it anyway.
Check Your Landlord's Requirements
READ MORE >>
Thursday, January 2, 2020Your home insurance policy will probably cover any liability claims owing to a house party. But you're going to need to take a few steps to make sure that your insurer has no reason to deny your claim. Here's what you're going to want to do:
Figure out your maximum occupancy and stick to it. READ MORE >>
Tuesday, December 31, 2019You need to document your possessions if you want them to be covered under your home insurance policy. But how far should that extend? What needs to be documented?
The short answer: Everything.
That said, some things should be documented more extensively than others.
READ MORE >>
Monday, December 30, 2019Fixed vs. variable annuities In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance company is financially sound, the money you have in a fixed annuity will grow and will not drop in value. READ MORE >>
Thursday, December 26, 2019You take a painting class, and it turns out, you're a natural. Before long, you've got friends asking you to do portraits for them. Soon enough, strangers are asking for portraits, too. Now, you must start charging for services, because it's your hobby is becoming something of a day job. READ MORE >>
Tuesday, December 24, 2019As a general rule, you should assume that your home insurance will not cover a new HVAC unit.
Your HVAC will eventually need to be replaced, owing to general wear and tear. No matter how well cared-for your HVAC unit may be, no machine can be expected to last forever. READ MORE >>