Criminal activities in your neighborhood can affect your auto insurance rates. Below are some of the crimes that can affect your rates, and how to mitigate the effect. The Major Crimes Many types of crimes can affect auto insurance rates, but the following are the ones to worry about the most. Auto Theft If you have comprehensive coverage and your car gets stolen, your auto insurance carrier may compensate you.

General liability insurance and professional liability insurance are two types of commercial insurance that cover you when you're sued by a customer or another business. However, the matters that they cover are quite different. How can you tell which types of coverage your business needs in order to protect itself legally? Read on to learn what each type of insurance covers and how to tell if your business needs to carry professional liability insurance as part of its commercial insurance policy.

When you got pulled over after a night out with friends, you probably knew what was coming next — an arrest. If you drink before you get in a car to drive home, you always take the risk of getting arrested for a DUI. Fortunately, many people who get DUIs can continue driving afterward, but they often need SR-22 filings. Here are three reasons that an SR-22 is a common requirement after a DUI.

If you ever went through a car accident and had no vehicle to drive while your car was in the shop getting fixed, you probably wish you had rental reimbursement coverage insurance. Have you heard of this type of coverage? If not, you should continue reading to learn more about what it is and how it works. After learning these things, you might want to call your agent and add it to your policy.

As a budding photographer, you need the right commercial insurance coverage to protect your business. Here are some of the various forms of coverage your insurance should include. Business Property The premier coverage you cannot miss is that of business property insurance. You need this coverage to protect you from loss, theft, or damage of your photography property. That way you won't miss work because your filters, tripod stands, camera, or computer have suffered electrical damage.

How often should you shop for auto insurance? Whether you're on the hunt for a better deal or expanded coverage, take a look at the best times to search for a new policy. You've Had Insurance for More Than One Year You haven't had any major changes or accidents. Does that mean your insurance should stay the same? Think of your insurance exploration as an annual wellness checkup. A conversation with an agent can help you to determine whether you have the best coverage possible.

When it comes to purchasing term life insurance, one of the best times to make this investment is when you are in your 30s. In your 30s, you are building your career and family, and having life insurance is the responsible choice to make. A term life insurance policy is good for a set number of years. For example, you can purchase a 20-year-term policy that will cover you until you are 50 years old.

Most people who have purchased home insurance know that it covers things such as damage to your personal property. However, many people don't realize the full benefits of home insurance. It offers you a wide range of benefits that you can access at an affordable price. Surprise Benefit #1: Temporary Housing Money If you are not able to live in your home for a covered reason, your insurance will provide you with money for temporary housing until you can get back into your home.

If you are in the daycare business, you need to protect your investment with insurance just as you would any other investment. Below are some of the various forms of insurance you may need. Liability Insurance Liability insurance is a must-have for a daycare business. You can be sued anytime by the parents of the children under your care. A child can slip and fall on the playground, a swing can hit one of the children, and the children can get sick due to food poisoning.

When you need to care for your business, you can't forget about core items like business insurance. Holding business insurance allows you to protect your company from all kinds of liabilities while also pointing you in the right direction of some of your most vital needs. To this end, follow the points below and take the time to reach out to some business insurance providers that can assist you.  Determine what sort of business insurance policies you will require