John M. Biggio Lighthouse Weekly - Issue #4

Article of The Week

Many of the big insurance companies price their insurance rates to attract a particular segment of the market. They usually price their insurance to attract homeowners who need to insure not only their cars, but also their homes and their lives (and other things). Many other companies can beat them on price if it's left to a head-to-head price check on a single line of insurance (such as auto or home), but these big companies want customers who will stay with them for years instead of shopping around for a better deal every six months. To accomplish this, companies give the best deal to clients who will use their company to insure all three main lines of insurance, as people who buy one type of insurance usually have additional items that need insuring and end up paying much more in total annual premiums than the single-line customer who only insure a car or a house.
Bundle Your Insurance For Big Savings

Automobile

Due to the litigious nature of our society and the rising cost of vehicles, car insurance rates are hefty throughout the nation. The bad news is that insurance isn't likely to lessen in price any time soon. The good news is that there are things that you can do to minimize increases and/or lessen the burden on your wallet. Let's take a look at 12 tips you can employ to save your driving dollars.
12 Car Insurance Cost Cutters

Homeowners

Claims adjusters, agents and other insurance professionals get a firsthand look at all the things that can go wrong at home. They see everything from catastrophic events -- like major storms -- to more common problems, like dryer fires, burglaries and plumbing leaks. When you see similar claims cross your desk every week, you begin to rethink your own family’s habits.
When insurance pros go home for the day, they implement their own techniques for reducing the chance of mishaps.
8 Ways Insurance Pros Protect Their Homes

 

Commercial Line

It’s normal to have questions regarding the type of coverage your business requires. Commercial business insurance covers a broad spectrum of protection that includes your property, you and your employees, and your liability. With a start up, it’s possible as the owner you have personal assets on the line.  As you begin to understand and put the pieces together, it is important to remember the ultimate goal is to make sure you are never underinsured or exposed in the event of an incident or disaster.  Let’s look at the basics of small business insurance.
Let's Look At Small Business Insurance Basics