EINSURANCE https://www.einsurance.com/ Quote, Compare, Save! Thu, 16 Jan 2025 17:02:27 +0000 en-US hourly 1 https://wordpress.org/?v=6.7.1 https://www.einsurance.com/wp-content/uploads/cropped-10390300_10152435665504197_8229944792578476094_n-32x32.png EINSURANCE https://www.einsurance.com/ 32 32 14 Practical Strategies for Seniors to Save Money on Homeowners Insurance https://www.einsurance.com/journal/14-practical-strategies-for-seniors-to-save-money-on-homeowners-insurance/ Thu, 16 Jan 2025 17:00:14 +0000 https://www.einsurance.com/?p=33675 Key Takeaways: With cost of living increases and a fixed or partially-fixed income, affordable homeowners insurance for senior citizens is extremely important. Even where you live can impact your home insurance costs. We offer 14 practical strategies and discounts ideas that will keep insurance costs under control in this volatile marketplace. Annual insurance reviews can […]

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]]> Maximize Your Savings: A Comprehensive Guide to Multi-Car Insurance Policies https://www.einsurance.com/journal/comprehensive-guide-to-multi-car-insurance-policies/ Thu, 19 Dec 2024 17:00:42 +0000 https://www.einsurance.com/?p=33545 Multi-car insurance policies offer consumers a chance to save some money on their auto policies. If your family owns more than one vehicle, it may be wise to put them all on the same policy. Of course, there are some situations where the benefits of multi-car insurance policies aren’t worth making changes to insurance policies. […]

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]]> How the ‘80% Rule’ Impacts Your Home Insurance: A Complete Guide to Avoiding Costly Mistakes https://www.einsurance.com/journal/how-the-80-rule-impacts-your-home-insurance/ Thu, 12 Dec 2024 17:00:04 +0000 https://www.einsurance.com/?p=33541 Key Takeaways: It’s important to understand the difference between ‘replacement value’ and ‘market value’ which can significantly impact your insurance coverage. Ensure your homeowner’s insurance coverage meets the 80% rule which provides adequate coverage and is required by most insurance carriers and mortgage lenders. Be informed about the possible penalties and consequences if your insurance […]

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]]> Home Insurance Dropped? Essential Steps to Reclaim Coverage Fast https://www.einsurance.com/journal/home-insurance-dropped-essential-steps-to-reclaim-coverage-fast/ Tue, 26 Nov 2024 17:00:51 +0000 https://www.einsurance.com/?p=33475 Your home insurance can be dropped for a handful of reasons (and that list is getting longer and longer.) For homeowners, it’s a harrowing experience filled with anxiety and even utter panic, when they discover their home insurance company will no longer insure their property. We understand. If you need immediate help getting home insurance, […]

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]]> How Much Does a Texting While Driving Ticket Increase Auto Insurance Premiums https://www.einsurance.com/journal/how-much-does-a-texting-while-driving-ticket-increase-auto-insurance-premiums/ Thu, 14 Nov 2024 17:00:04 +0000 https://www.einsurance.com/?p=33460 Key Takeaways: Drivers with a texting or distracted driving violation are penalized by insurance companies with an average increase of 27% in annual premiums. Teens are especially susceptible to texting and driving which can have long-term consequences if there is an accident or someone is injured. Texting while driving is illegal in most states and […]

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]]> Garage Liability vs. Garagekeeper Liability: What Every Auto Shop Owner Must Know https://www.einsurance.com/journal/garage-liability-vs-garagekeeper-liability/ Thu, 24 Oct 2024 16:00:21 +0000 https://www.einsurance.com/?p=33324 Key Takeaways: In addition to standard business insurance coverage, auto-related businesses may need Garage Liability and Garagekeeper Liability to be fully protected, especially when customers leave their vehicles in the business’s care. Garage Liability and Garagekeeper Liability Insurance cover two different aspects of business insurance coverage, with one protecting the business and the other protecting […]

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]]> ACA Open Enrollment 2025 – The Ultimate Guide https://www.einsurance.com/journal/aca-open-enrollment-2025/ Mon, 21 Oct 2024 16:00:47 +0000 https://www.einsurance.com/?p=33329 Autumn is here, and that means it’s time for pumpkins, apple cider, and the ACA annual open enrollment period. If you need to change your ACA health coverage — sometimes called “Obamacare” — this is the time to do it. You may add or remove dependents, change details, like your income or marriage status, buy […]

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]]> Bicycle Accident Insurance Coverage – What Cyclists Need to Know https://www.einsurance.com/journal/bicycle-accident-insurance-coverage-what-cyclists-need-to-know/ Thu, 19 Sep 2024 16:00:53 +0000 https://www.einsurance.com/?p=33275 Key Takeaways: Cyclists involved in accidents with motor vehicles may be covered by the driver’s car insurance policy, including UM/UIM coverage. While home insurance provides some protection, it may not cover all risks associated with bicycle accidents. Cyclists should evaluate their policies and consider additional coverage options to close the gaps in protection. Specialized bicycle […]

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]]> Why You Need to Update Your Homeowners Insurance Before Renting Out Your Property https://www.einsurance.com/journal/why-you-need-to-update-your-homeowners-insurance-before-renting-out-your-property/ Thu, 12 Sep 2024 16:00:50 +0000 https://www.einsurance.com/?p=33271 Homeowners and landlords use their property differently, so they face different risks. That’s why several distinctions exist between homeowner’s insurance and landlord insurance. For insurance purposes: A homeowner lives in a primary residence full-time. They own the home completely or make a mortgage payment. Usually, they keep most of their belongings at this home, too. […]

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]]> College Student Car Insurance Explained https://www.einsurance.com/journal/college-student-car-insurance-explained/ Thu, 22 Aug 2024 16:00:29 +0000 https://www.einsurance.com/?p=33237 A new school year is upon us. And it’s time for parents and students to discuss affordable car insurance for college students. Whether you need to know about the cost of car insurance for college students, the discounts available for some, or the best types of car insurance for college students, the experienced team at […]

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]]> Does Home Insurance Cover Water Damage? https://www.einsurance.com/journal/does-home-insurance-cover-water-damage/ Thu, 15 Aug 2024 16:00:45 +0000 https://www.einsurance.com/?p=33232 Key Takeaways: Homeowners insurance policies typically cover water damage that occurs suddenly and accidentally, such as from burst pipes, appliance malfunctions, or storm-related roof damage. Gradual leaks and damage resulting from poor maintenance are generally excluded from coverage. It is crucial to thoroughly understand the specifics of your home insurance policy to know what types […]

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]]> Common Home Insurance Claims and How to Prevent Them https://www.einsurance.com/journal/common-home-insurance-claims-and-how-to-prevent-them/ Thu, 25 Jul 2024 16:00:06 +0000 https://www.einsurance.com/?p=33198 You buy homeowner’s insurance to protect yourself from expensive losses. And as a savvy consumer, you know that too many claims on your home insurance policy can lead to increased premiums, difficulty finding affordable insurance, and even non-renewals. No one wants to struggle to find affordable homeowner insurance. That’s why it’s vital to learn about […]

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]]> Car Insurance After the Death of the Policyholder: A Comprehensive Guide https://www.einsurance.com/journal/car-insurance-after-the-death-of-the-policyholder/ Thu, 11 Jul 2024 16:00:43 +0000 https://www.einsurance.com/?p=33190 Key Takeaways: Upon the death of a spouse or family member, it is important for the survivors, especially the executor of any afterlife plans or proposals, to understand the options for car insurance so that surviving family members are covered. It is important to understand current premiums, payments, discounts, and refunds for any policy before […]

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]]> Does Climate Change Affect Your Homeowners Insurance? https://www.einsurance.com/journal/does-climate-change-affect-your-homeowners-insurance/ Thu, 20 Jun 2024 16:00:01 +0000 https://www.einsurance.com/?p=33172 Absolutely, yes. Climate change will affect your homeowner insurance over the upcoming years in a myriad of ways. Whether these changes manifest as increasing premiums, reduced coverages, new exclusions, non-renewals, or a combination of all these points, property owners in the US can expect to see significant changes to their home policies. In this article, […]

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]]> Does Car Insurance Cover Scratches and Dents? https://www.einsurance.com/journal/does-car-insurance-cover-scratches-and-dents/ Thu, 13 Jun 2024 16:00:07 +0000 https://www.einsurance.com/?p=33168 Key Takeaways: Whether your vehicle insurance covers scratches and dents depends on the type of coverage you have. Comprehensive insurance typically covers damage caused by events like vandalism or natural disasters, while collision insurance covers damage resulting from accidents. When filing a claim for scratches and dents, it’s important to consider your deductible. If the […]

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]]> Homeowners Insurance Endorsements – All You Need to Know https://www.einsurance.com/journal/homeowners-insurance-endorsements/ Thu, 30 May 2024 16:00:57 +0000 https://www.einsurance.com/?p=33146 Homeowner’s insurance endorsements are extra coverages you can buy to protect yourself, financially. Not every consumer needs endorsements. But some do, and it’s our goal at Einsurance.com to make sure everyone gets the right insurance for their situation. So, if you’re curious about homeowner’s insurance endorsements, or if you’re wondering about prices, keep reading. We’ll […]

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]]> Do Permit Drivers Need Insurance? https://www.einsurance.com/journal/do-permit-drivers-need-insurance/ Thu, 16 May 2024 16:00:54 +0000 https://www.einsurance.com/?p=33141 Key Takeaways: All states require young people to acquire a learner’s permit when learning to drive. Depending on your state’s requirements, a permit can be obtained anywhere from 14 years of age to 16 years. Insuring a learner’s permit driver is relatively inexpensive and pays big dividends in demonstrating expectations and parenting by example. We […]

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]]> No Down Payment Car Insurance – What You Need to Know https://www.einsurance.com/journal/no-down-payment-car-insurance/ Thu, 25 Apr 2024 16:00:14 +0000 https://www.einsurance.com/?p=33095 Key Takeaways: No down payment car insurance, or 0 down car insurance, is a great way to get started with car insurance without paying the hefty, full annual or semi-annual premium. Students, new drivers, and contractors can all benefit from the financial flexibility offered by no down payment car insurance where monthly payments are more […]

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