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R Hobbs Insurance Agency Inc Blog Page 4

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

When purchasing some forms of business insurance, it is important to consider your business’s past. Most of the time, insurance policies apply only from the date the policy goes into effect and beyond. However, it may be possible to secure some types of liability insurance retroactively. READ MORE >>

The term comprehensive auto insurance is very misleading. Many times, you will hear that you should have comprehensive coverage – but what does that mean? It can mean two things. It can mean that you should have an ample amount of coverage to reduce your risks of having to pay out-of-pocket for most types of incidents. READ MORE >>

Coverage for renting out your home Vacation home? Income property? Here’s how to insure it There are many reasons you might want to rent out your home on either a short- or long-term basis. Depending on the rental scenario, your standard homeowners policy may not cover losses incurred while your home is rented out, and you may require a more specialized insurance policy. READ MORE >>

Accidents and misfortunes occur to most businesses at various times. When something occurs that leads to significant loss for your company, you may face hardships. Can you keep the doors open? Do you need to let go of employees? Some forms of business insurance provide protection from business income loss. READ MORE >>

Unique vehicles require special auto coverage A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own—or are thinking of owning—a special set of wheels, find out about the kind of policy you need. READ MORE >>

Buying auto insurance seems easy enough. The television commercials you see make you think it is a simple process. It can be. However, there’s more to making a decision like this than just looking for the lowest price. You need a company you can rely on in your worst moments. READ MORE >>

Speed limits exist for a reason. At high speeds, auto accidents can be very dangerous. Just going 10 to 15 miles over the limit may cause significant damage. However, when you are going faster than this, a rollover can happen. This can cause life-threatening injuries and total your car. READ MORE >>

With summer strollers and joggers, pedestrian safety should be top of mind. For those using two feet—or four wheels.  Following are some important tips for pedestrians and drivers on how to co-exist safely: Pedestrians Sidewalks are made for walking. This pavement belongs to you. READ MORE >>

The investment in business insurance can be a difficult one for some people. This type of insurance is invaluable, however. You need it to help defray the costs of many risks associated with managing your business. Yet, having a policy that fits your goals may seem expensive. How much will it cost you? READ MORE >>

The decision to file a claim for your auto insurance is a big one. Yet, when you have significant damage to your car, it is worth doing so. As a driver, one of the biggest and sometimes unavoidable obstacles you face is the pothole. They spring up quickly in the spring and leave you overwhelmed with dodging them. READ MORE >>

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