Laskowski Insurance

Here's what smart landlords do to keep great tenants. (Number 7 is key!) http://ow.ly/B3zmk

If you need to file an insurance claim on your home, it is better to do so sooner than later. In most cases, a claims adjuster will need to come to your home to evaluate the damage to your home. The adjuster will then determine what the insurance company owes you for the damage (minus the deductible).

We understand that determining the optimal insurance coverage level can be confusing at times. We can help you cut through the jargon to determine what you really need.

We recognize that the idea of buying expensive business insurance coverage can seem impossible for many new small business owners. If you’re ready to find out how you can protect your company without blowing all your capital, we’re here for you.

If you travel in different states, make sure you know the rules of the road in each one. For example, did you know that in Alabama it is illegal to drive blindfolded? What we wonder is, does that mean it is legal in the other 49 states?

When you are looking for a simple way to protect your family, few things are more appropriate than a good life insurance policy. You need to work through the details, and find the right plan, but it is worth the time and effort in the end.

Paying your premiums can feel like an unnecessary expense. But the disadvantages of not having proper insurance coverage far outweigh the short-term benefits of saving money on premiums.

Falls are a common household injury, especially with children and the elderly. Keep the windows on the top floor of your house closed, and make sure all of your step handrails are sturdy and in good shape. Homeowners insurance can protect these injuries but it’s even better if you prevent them.

How much life insurance do you need? Some suggest having enough insurance to replace five to seven years of your income. For people with young children or a lot of debt to cover, it’s recommended bumping up your coverage to replace up to 10 years of your salary.

One of the most important things about homeowners' insurance is to know what your policy does and does not cover. For example, one of the most common misconceptions about homeowers' insurance is that it covers flooding. However, that’s not the case. As long as the water is the result of a natural event - such as from a flash flood or tropical storm in the community homeowners' insurance does not cover that damage.

In the same way that teen drivers statistically get into more accidents than other drivers, older drivers generally get into fewer accidents. Make sure you ask about discounts for senior citizens as well as any discounts for seniors who take defensive driving classes.

Today many life insurance companies are trying to offer services for those who may have less income, by offering smaller policies for smaller premiums every month. You may be surprised at the options out there!