April 25, 2025
Variety InsuranceFactors That Affect Your Homeowners Insurance Premium
Home insurance premiums in Arkansas can vary significantly based on several factors. Understanding these factors can help homeowners to make smarter choices and possibly lower their expenses. How Are Homeowners Insurance Premiums Determined? The following factors can influence homeowners insurance premiums: Location of your home—The location of your home can significantly impact your insurance premium. […]
March 24, 2025
Variety InsuranceWhat General Liability Insurance Doesn’t Cover
General liability insurance is a crucial financial safeguard for businesses of all sizes and sectors. This coverage can offer protection against various third-party claims, including bodily injury, property damage and advertising injury. However, general liability insurance does not cover every potential risk your business might face. General Liability Exclusions General liability insurance typically excludes coverage […]
February 10, 2025
Variety InsuranceWhat Doesn’t Life Insurance Cover?
Life insurance is a financial safety net for families, offering security in the event of a loved one’s passing. However, insurance policies include exclusions—specific situations where benefits won’t be paid. Understanding these exclusions is key to making informed decisions about your coverage. Common Exclusions Here are some common life insurance exclusions:: Suicide clause—Most life insurance […]
January 22, 2025
Variety InsuranceWhat Factors Affect Your Auto Insurance Premiums?
Insurance companies consider various elements when determining your premium, each reflecting the level of risk you present as a driver. One of the primary factors is your driving record. A history of accidents, traffic violations or claims can signal higher risk, leading to increased premiums. Conversely, a clean driving record often results in lower rates. […]
December 17, 2024
Variety InsuranceHoliday Safety Tips for Outdoor Decorations and Lawn Displays
Festive decorations and bright displays bring joy to neighborhoods in the holiday season. However, setting up outdoor decorations and lawn displays requires careful planning to avoid potential hazards. Consider the following tips to decorate your outdoor spaces safely this holiday season: Inspect decorations and lights. Frayed wires, broken bulbs, and cracked plugs can pose fire […]
November 26, 2024
Variety InsuranceProtecting Your Motorcycle Gear and Accessories During the Offseason
As winter approaches and inclement conditions take over many parts of the country, it may be time for you to put away your motorcycle for the offseason. But no longer hopping behind the handlebars for a few months doesn’t mean you should be complacent about protecting your property. In addition to ensuring you maintain suitable […]
October 14, 2024
Variety InsuranceWhy Do I Need Mexican Auto Insurance?
Most motorists are aware auto insurance is essential to responsible vehicle ownership and operation. But did you know that this obligation also extends south of the U.S. border and into Mexico? That’s why, before taking a trip to experience the warmth, culture, and excitement of our southern neighbor, you must understand and satisfy your auto […]
September 23, 2024
Variety InsuranceHow Fall Weather Impacts RV Insurance
As the vibrant hues of fall foliage begin to paint the landscape, recreational vehicle (RV) enthusiasts often find themselves hitting the road to enjoy the crisp autumn air and scenic beauty. However, the changing weather conditions during fall can significantly affect recreational vehicle insurance. Understanding these impacts can help RV owners ensure they are adequately […]
June 13, 2024
Variety InsuranceSummer Motorcycle Touring: Understanding Coverage Needs for Extended Trips
Summer motorcycle touring is an exhilarating experience, offering the freedom to explore open roads, picturesque landscapes and hidden gems. However, embarking on extended trips requires careful planning, especially when it comes to insurance coverage. How to Prepare for an Extended Motorcycle Trip Consider the following tips to prepare for an extended motorcycle trip: Build stamina […]
May 17, 2024
Variety InsuranceLife Insurance for Final Expenses and Estate Planning
Life insurance establishes a contract between an individual and an insurance company, where the insurer may pay a designated beneficiary a sum of money upon the death of an insured person. But beyond this basic definition, life insurance can also offer financial assistance in other ways, particularly concerning dealing with final expenses and estate planning. […]