Basinger Agency

It’s important to remember that many types of recreational vehicles can be tempting targets for theft because their small size makes them easy to pick up and put in the back of most trucks. Having insurance on your recreational vehicles could help in the event of theft.

Imagine for a moment that you have left your rental home for work only to come home to a fire-damaged or destroyed property? If you don’t have any insurance, all of your belongings are forever gone. Renters insurances fills in the gap and protects you against this type of property loss.

Adding roommates to a renter’s policy does not increase monthly pay or premiums. However, you may want to consider getting higher coverage to ensure the integrity of both partyies' belongings.

While a leaky refrigerator line may not be a major cause for concern to your upstairs neighbor, his or her water leak can cause significant damage to your personal property. If you don’t want to take the risk that your neighbors will call for service whenever they notice issues, it’s smart to buy renters insurance.

When considering the cost of your belongings, also think about the amount it would cost to replace those items next year and the year after. Should a repurchase of items cost much more if bought new, be sure to add that amount to your policy. Your renter’s insurance agent can help you with these calculations.

When deciding on renters insurance, keep in mind that you determine the dollar amount you are insured for, so be sure to look at the values of your property as well as what you can afford. The higher the coverage tier, the higher your monthly premiums will be.

A new car insurance policy can make a big difference, but you want to make sure you don't just stop payment on your old one. This could reflect badly on your credit. Instead, you'll want to go through the cancellation process, which an auto insurance expert can help you with.

It’s possible your homeowners insurance can be structured to cover some potential risks associated with your home-based business. However, it’s wise to talk with your agent to determine if you need additional coverage, such as general or professional liability insurance.

Does your business manufacture or sell original products? If so, you should look into product liability insurance. If the product your company sells causes property damage or injuries because it did not work properly, this type of insurance protects your company.

We recognize that not every family can afford to take on the responsibility of hefty monthly life insurance premiums. Since even a small policy is better than no policy, we may be able to help you find life insurance that works with your budget.

There are many different reasons to get life insurance. If you are married, you want money available to replace your salary in the event you are out of the picture. If you are single you may want money available to leave to family, friends and charity or simply to supply the money necessary for your burial and other final expenses.

Why is insurance coverage so much more expensive for teen drivers? Insurance companies rely on detailed statistics to determine the risk presented by every customer. Because teen drivers are more likely to get into accidents than older drivers, their coverage is significantly more expensive.

Business interruption insurance can be a smart rider to add to your general business insurance package. Sometimes known as business income insurance, it covers losses suffered due to a disaster, significant storm or other event that disrupts your ability to conduct normal business.