Protect Your Business With the Right Insurance

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The right insurance can do more than protect your business from damage or injury. The right insurance can protect you and your business from both the big and small everyday risks that all businesses face. Protect your business by starting with understanding what you’re exposed to.

Think about it this way: what could happen in a single day that would cost thousands of dollars, or possibly more. For example, the wrong insurance coverage could expose you to a lawsuit for injuries caused by employees who were driving your company vehicle, or it could jeopardize your business operations if there were a fire at your place of business. By protecting yourself with commercial insurance policies from an independent insurance broker, you can protect against lawsuits and expenses from accidents involving you, your home, your belongings, and your business.

Protect your business to keep your operations running smoothly.

Protect and Grow Your Personal Assets Should You Be a Victim of a Crime

Protect your business from unforeseen loss due to theft, natural disasters, or other damage, including physical damage, computer viruses, and hardware failures.

Liability Insurance: Any business can experience litigation problems if it is responsible for damages caused by its employees — no matter the issue.

Work with a broker who has access to all the best carriers for the right insurance.

The right business insurance can be quite an investment, which is why it’s so important to work with a competent, independent insurance broker. An independent broker has access to all of the best carriers for the right policy at the right price.

A good broker will also answer questions such as: how much coverage do I need? It will depend on your needs, which is where an agent at Prince Insurance can help. They’ll ask lots of questions and tailor their recommendations to your situation.

Ideal Coverage

But you don’t just want insurance; you want great coverage that will protect you if disaster strikes. The good news is there are more business owner policies available today than ever before. This means you can select the precise coverage needed for your unique company or small business.

Protect your business and contact Prince Insurance today for a quote.

Do Pets Affect a Homeowners Policy?

Not only do you need to consider your family when you’re updating your insurance policies, but you should also take your pets into account. Your dog, cat, or bird may leave messes around the house or cause damage to your/floor carpet. Worse than that, your pet may injure a guest on your property, potentially leading to lawsuits or unforeseen medical expenses you may have to cover. 

Just in case your pet gets carried away, it helps to have some comprehensive pet liability insurance to turn to when you need it most. 

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What Does Pet Liability Insurance Cover?

Pet liability insurance protects you in the event your pet snips, bites, or injures a guest on your premises. Failure to inform your insurance provider about your pets and any mishaps they cause around the house can negatively affect your insurance coverage and claims, making them costlier. 

Furthermore, pet liability insurance provides you with financial coverage for medical and/or legal expenses if your pet injured a guest following an attack. This saves you from paying a lot of money out of pocket to cover the damages. And, this type of insurance policy protects you whenever your dog digs up the neighbor’s property or damages it in another way. 

How Do Pets Affect Your Home Insurance?

Your home insurance policy doesn’t cover pet damage to carpet or your hardwood floor. Plus, it only covers injuries to others that live outside your home, including visiting family members and guests. It doesn’t cover injuries to people residing in your home. 

Damage caused by dogs is one of the leading insurance headaches for homeowners. By investing in valuable pet liability insurance, you cover yourself from the repercussions of your pet’s actions.

Err on the side of caution and protect yourself from disaster by investing in our pet liability insurance today. Secure yourself a free quote to get started. 

 

Essential Insurance to Start a Business

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When starting a new business, securing it with a solid insurance policy should be one of the first things on your list. You need to cover yourself, your employees, and your commercial property against potential damage, injury, and other potentially serious issues. 

There are several types of essential insurance to start a business. Here are a few to consider when you’re opening a business. 

Workers Compensation 

These kinds of benefits are payments that cover injuries related to the work you’re doing. It’s a no-fault type of payment that’s paid regardless of whose fault it was that caused an injury. If work is the cause of severe pain or disease you’ve contracted, you’re eligible for workers compensation. 

General Liability Insurance 

Also called business liability insurance, this essential insurance to start a business protects you from a wide range of claims, including personal injury and property damage that happens during business operations. 

Auto Insurance

For any vehicles used for your business, like delivery trucks for postal services or food establishments, it helps get comprehensive auto insurance coverage in an accident. 

Property and Casualty Insurance 

This kind of insurance focuses on property and possession loss while also including liability coverage for instances where you’re deemed legally liable for an accident that injures someone or damages belongings. 

Choose Prince Insurance for Your New Business Insurance

Every business is unique. Our brokers can help you find insurance that’s tailored to your specific needs and gives you better protection. 

Plus, we’ll have insights into additional insurance that may be necessary depending on your industry or location. 

Need essential insurance to start a business right now? Look at our business insurance options and get yourself a free quote. With Prince Insurance, you’re guaranteed business insurance that covers various scenarios and prevents your bottom line from being affected. 

Why Cheap Insurance Is Never Worth the Cost

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Cheap insurance is not worth it. After all, it’s in the name, cheap. Though it costs less, cheap insurance usually doesn’t offer the range of coverage you’re looking to get. If a policy isn’t protecting you entirely, it’s not worth investing your money in one. 

Your family, assets, and life are worth way more. Always prioritize value when you’re looking for an insurance policy, not cost. 

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Cheap Now, Not When You Need It

Cheap insurance means that the coverage you’re getting is inadequate. As a result, a lot of the financial burden falls on your shoulders when an accident, theft, or some other form of adversity happens. If you can’t afford to pay for good insurance now, can you pay the damages later?

Cheap insurance is not worth it because you’re left with too much responsibility and left exposed to potential financial ruin. Insurance policies are supposed to take the pressure off of you rather than add it. Finding value in an insurance policy is vital.

Pay Some Money Upfront 

When you pay more money upfront, you get more protection if you ever need your insurance or file a claim. Paying higher deductibles will lower the cost of your premium, while still getting the kind of value and coverage you need from the policy to protect you and the things you value most. 

Don’t risk your financial stability by getting cheap insurance for vital things in your life like your health, home, or vehicles. Don’t waste your money on a cheap policy. You deserve better!

Check out our wide range of policies at Prince Insurance. We’ll work with you to determine the best possible insurance policy to shape your future and afford your family the kind of protection you deserve. Get your free quote from us today and start investing wisely in your future!

How to Reduce the Cost of Auto Insurance

Depending on where you live, auto insurance may cost you a pretty penny. Several factors may play a part in high rates, from the type of car you have to your driving record. Though it can be expensive at times, auto insurance is a necessity. There are ways to reduce its cost that maybe you haven’t thought of. 

Here are some pointers that will help you reduce the cost of auto insurance. 

1. Get Yourself a Safe Car

When buying a new car, ensure you’re getting one that’s not known to crash and has a high rating. Explore the safety vehicles of the car before you purchase it. If the features are top-quality and do what they’re supposed to keep you protected, this could prove helpful as far as your insurance rates. Insurance providers may offer discounts if your vehicle has strong safety features. 

2. Be a Good Driver

The better your driving record is, the more willing your insurance provider is to lower your insurance rates. Make sure you don’t get any tickets or get docked driving points due to speeding or more serious offenses like driving under the influence. Also, your ability to stay out of accidents can positively affect your auto insurance policy. 

3. Higher Deductibles

A deductible is a specified amount you have to pay before an insurance provider pays an insurance claim. The higher the deductible is, the lower your insurance premium costs will be, easing your financial burden. 

4. Bundle Your Auto and Home Insurance

By bundling your auto and home insurance policies housed by the same insurance carrier, you save money, potentially getting significant discounts. Additionally, bundling the policies makes it less likely an insurance provider drops you if you make excessive claims. 

5. Look for Value 

Ensure when you meet with your agent to reduce the cost of auto insurance, you’re working to find a policy with the best value and protections rather than the cheapest one. Cheaper doesn’t always mean better. 

Check out our auto insurance policies at Prince Insurance. We’ll work with you to reduce the cost of auto insurance at your convenience. Get your free quote from us today!

Important Insurance Policies Everyone Should Have

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Insurance policies are the safety nets that protect you in the event of a disaster or even death, ensuring you and your family receive the financial coverage you deserve. Your life, your assets, and your family’s future depend on these policies. 

You never know what unexpected events can happen in life. By taking out an insurance policy for what you need, you’re prepared for whatever adversity you end up facing. There are several important insurance policies you can get to cover you and yours in times of need. 

Why Should You Take Out an Insurance Policy?

By getting a comprehensive insurance policy, you cover your welfare and valuables against different risks, including fire, theft, accidents, or serious injury. 

Taking out a policy reduces stress levels and prevents you from worrying about the next steps after any of those risks play out in your life. When you know you have the policy to turn to when you need it, you can live your best life and be at ease about things, though you should still be careful. Life is unpredictable, and you shouldn’t take it for granted. Why not get coverage while you still can? The earlier, the better.

What Are the Important Insurance Policies?

There are various important insurance policies you can get to protect yourself and the things you value most. If you’re a homeowner, you should get homeowners to cover your home against potential damages from a destructive event. If you’re renting a home, renters insurance protects you against destructive events and other things not covered by your landlord’s insurance policy. 

For vehicle owners, auto insurance is a must to cover you when your car’s involved in an accident. Meanwhile, health insurance covers medical and surgical costs whenever you’ve suffered serious health issues or injuries. 

Browse our website to learn more about the important insurance policies we offer. Get your free quote from Prince Insurance today!

Why Renters Need Their Own Insurance Policy

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When you’re renting a home, you have to cover all bases, including your personal belongings and damages following a fire or other disaster. Also called tenant insurance, renters insurance affords you protection against theft and loss.

This type of insurance prevents you from having to rely on your landlord to bail you out when something goes awry. Here are the reasons you should consider getting renters insurance before something happens to your residence. 

Landlord Policies May Not Cover You 

Depending on the event, your landlord’s insurance policy won’t protect you, especially if someone is injured in your home. 

Worse than that, your landlord’s insurance provider can file a lawsuit against you if you’re deemed liable for any building damages. This could lead to you forking out repair costs or costs for rebuilding the property. A renters insurance policy prevents you from those potential headaches and ensures you get proper coverage against a wide range of risks. 

What Does Renters Insurance Pay For?

Renters or tenant insurance covers the costs of replacing your belongings whenever they’ve been stolen, destroyed in a fire, or vandalized by unscrupulous people. 

Furthermore, a good renters insurance policy covers the cost of temporary residence in the event of any damage that renders your property inhabitable. 

The Actual Cash Value (ACV)

Renters insurance factors in the actual cash value (ACV) of your belongings. ACV replaces items at the value they were worth when they were damaged or destroyed. Depreciation factors into the actual cash value when payments are being calculated. 

The policy can also include replacement costs. This cost replaces stolen, damaged, or destroyed items with new, similar items. However, the catch with replacement cost is that the premiums for it are higher than premiums for ACV policies.

Have a look at the details of our renters insurance and, if you like what you see, get a free quote right away.

Recreational Vehicle Insurance

Did you know that you can get insurance on your favorite recreational vehicles (RVs)? If you have a motorized RV like a motorhome or a camper van, or towable RVs such as a trailer or camper, you can secure them today by getting recreational vehicle insurance.

Whether you’re on a summer off-road excursion or trying to move through the leftovers of a storm on your snowmobile, you want to know that you’re fully insured in case of any mishap. 

Protect Your RV and Capitalize on Reopening

Recreational Vehicle Insurance

As most places reopen thanks to vaccinations, you can make up for lost time by taking your RV for a spin and enjoy the outdoors again, safely, of course. 

If you’ve been cooped up in your home throughout the pandemic and left yearning for some fresh air and adventure, you should make use of your RV. And, if you haven’t bought one, you can invest in an ATV or take the boat for a ride by your favorite beach to take advantage of the lovely summer weather. 

Once you’ve bought your RV, you should talk to your insurance agent about getting the right recreation vehicle insurance for it. By securing your RV, you’ll enjoy more comfort as you’re having socially distanced fun with your loved ones. 

What Does Recreational Vehicle Insurance Provide? 

When you talk to your insurance agent, ensure you’re getting recreational vehicle insurance that covers all bases. The insurance policy for your RV should include comprehensive and collision coverage in case of an accident. It should also include personal injury protection in case you suffer serious physical damage as well as towing costs. 

Type of recreational vehicle insurance you can get include: 

  • Boat  
  • Motorcycle  
  • Motorhome  
  • ATV  
  • Snowmobile  

Prince Insurance allows you to treat your RV like royalty, so you can enjoy every road or boat trip that much more. Check out our recreational vehicle insurance policy options and get a free quote now.

When to Update a Home Insurance Policy

Graphic of a house with the text 'Home Sweet Home,' emphasizing the importance of renters insurance for protecting your belongings

As exciting as securing ownership of a home is, securing your space with a quality home insurance policy gives you the relief that allows you to maximize your home experience. Home insurance policies are very useful tools that give you optimal coverage at the right cost. 

However, things happen, and certain situations necessitate a change in your policy to accommodate new developments in your life. When is it time to update a home insurance policy? Here are scenarios that should push you to contact your insurance provider. 

Pandemic Remodeling

If you’ve made some important renovations to your home during the global health crisis, you should talk to your insurance agent about updating your policy. 

Renovations add value to a home, and your policy should cover its value now that it’s worth more money instead of what it was worth when you just bought it. Certain renovations, like getting a new roof, can lower the value of your insurance policy. It’s an opportunity to get some additional homeowner benefits. 

When You Retire 

Once you’ve called it a day and worked your last paycheck, it’s time to update a home insurance policy. When you’re retired, you spend more time at home and also have more opportunities to maintain your home.

Some insurance companies offer cheaper insurance rates to retired people and senior citizens. When you’re at home regularly, you’re likelier to spot potential damages and less susceptible to burglary. Because of this, insurance companies may deem you more trustworthy and offer discounts. 

New Security System 

Adding a security system makes your home easier to insure and saves you money on insurance premiums each year.

Acquiring/Getting Rid of Expensive Items

Each time you buy expensive items like art, collectibles, and other pricey valuables, you should find out if your insurance policy covers those items. If not, you should update your policy to include them.

Also, if you’ve acquired or gotten rid of family heirlooms, you could get a break on your insurance. 

Prince Insurance gives homeowners the royal treatment when it comes to their policies. Check out our home insurance policy options and get a free quote now.

Independent Insurance Broker Can Customize Your Insurance

Independent Insurance Broker

Looking for the right insurance can be tricky. All of the options can seem a bit overwhelming. When you’re looking for insurance that’s customized to you, working with an independent insurance broker is the way to go. 

Here are a few solid reasons why independent insurance brokers are a better choice.

Insurance Options to Suit Your Needs

When you buy something important like insurance, you want to shop around to make sure you’re getting the best coverage for your budget. An independent insurance agency has access to all of the highest-rated insurance carriers, so they can do the shopping for you. 

Independent Insurance Broker

They’ll give you a choice of options that are based on your needs, not the needs of an insurance company. That means finding coverage that makes sense for who you are, at a price that meets your budget restraints. 

A Complete Insurance Portfolio

An independent broker has the ability to put together a complete portfolio of insurance that suits your lifestyle. If you’re in need of multiple types of insurance, they’ll help find solutions that fit your needs. 

When you need a customized combination of personal insurance, business insurance, home insurance, and/or auto insurance, your independent broker will be able to build a portfolio with you of policies from multiple carriers. 

Proactive Insurance Management

Life is always changing. Your insurance should change with you as you make your journey through the stages of life – buying your first home, a new car, or starting a business. 

Independent agents will stay proactive in managing your insurance. They’ll make sure you’re always covered and can help you upgrade or switch your policy as you grow and your life evolves. 

Contact an Independent Insurance Broker

Prince Insurance Group is an independently owned and operated agency, and we’re here to help you find the perfect kind of coverage for your lifestyle and budget. Contact us today and see the difference that working with an independent insurance broker can make for you!