How to Find the Best Insurance for All Your Needs

Business Insurance

The fact is that insurance companies have a lot of different policies to offer, and the options can be overwhelming. When you’re searching for insurance, it’s a good idea to think about who you are and the things you need insurance for. If you don’t need healthcare insurance and you don’t want to buy a property insurance policy, you can still find a great rate on a car insurance policy. No matter what kind of insurance you need or what your financial needs are, you can find the best insurance policy at a great rate by shopping around.

The first place you should look for insurance is with the company that already provides your other financial needs. For example, if you bank with a certain company and pay your car loan at the same company, it’s likely those companies can find you a great rate on an auto insurance policy. If one of those companies doesn’t offer a good rate or good service, it’s better to keep looking for a team to work with.

Made a recent big purchase? Don’t forget to insure it.

Finding the Best Insurance

Working with an independent agent takes away the guesswork. Independent agents work for you, so you can trust that they find the insurance that is right for you and all your needs, personal and business.

When buying a new insurance policy, there are many factors to consider; you want the best coverage at the best price, your price may vary depending on your age, the amount of coverage you desire, and whether or not you want to purchase term or whole life. If you’re looking to find the best insurance for all your needs, Prince Insurance’s highly-trained agents have the experience and expertise to help you find the best solution for you.

Your Insurance Resource

Contact us today for a free quote on the best insurance.

What Type of Business Insurance Do You Need

Restaurant and Bar Insurance

One of the most important insurance policies that you need for your business is business insurance. This insurance is designed to ensure that in the event of an unexpected event, your business is protected. Whether you have an office, a retail store, manufacturing equipment, or a service business, this insurance can help protect your business financially.

There are essentially four different types of business insurance that you should carry in your business:

  • General Liability
  • Property Insurance
  • Business Auto Insurance
  • Workers Compensation

Some of these policies may be offered by the company that you work for, or they can be purchased elsewhere. It is important to consult with an insurance agent who knows the type of business and understands the coverage required for your industry. So, what type of business insurance do you need?

Does your business operate motor vehicles? Business auto insurance is a must.

What Type of Business Insurance do You Need?

1. Depends on your industry

2. Depends on your business

3. Do your research independently

4. Avoid being underinsured by seeking out a local insurance broker to help you make final purchasing decisions

It is important to note that insurance agents who work for companies have a vested interest in the company! They are trying to sell you the highest dollar amount of insurance that they possibly can. If there is no profit for them, they lose their commission dollars and therefore will not be so interested in helping you make well-informed purchasing decisions. Every business deserves the proper coverage to be prepared for any obstacles ahead.

Finding a Policy for You

The best way to find affordable insurance coverage for your corporation is to shop around and ask the hard questions. You can begin by asking friends or trusted professional business resources that review a range of businesses in their industry. It is crucial you find an inexpensive, reliable, and trustworthy company that will protect you against any challenges the future may bring.

Contact Prince Insurance today for a quote.

Most Important Factor When Choosing Insurance

Cyber Insurance

So what is the most important factor when choosing insurance? There are many factors to consider, but the one that usually matters most is the actual insurance itself. For instance, if you have a good idea of what you are willing to pay for car insurance, you may want to look into a more expensive company for the same coverage if it offers better reimbursement for repairs, or if they offer convenient locations you can easily visit. You may also want to think about whether or not your agent is the best one to work with and if the customer service is good.

The Key Factor

There are lots of things to consider when choosing a home insurance policy, including location, coverage, price, and the company.

But what is the most important factor when choosing insurance?

Choose insurance that has the best coverage and has value – never going for price alone. Choose insurance that is specific to your industry and your situation.  Consider having insurance from companies that are better able to cover certain losses you may experience, and have personal claims representatives available over the phone since they will be more willing to help you out in case there’s a problem.

What Agents Know

An agent should be able to tell you the exact details of your policy, including coverage amounts and deductibles, including going over the fine print with you. Always double-check to make sure that everything an agent tells you is noted in your policy. Pay attention to the time between when you bought coverage and when it takes effect to know exactly when you are covered.

Get the personal guidance of a local insurance broker to help you. They can help you through the process of finding the right insurance policy for your company and help you understand how that policy works if it should ever become necessary.

A broker will ask you a variety of questions, including what risks your business faces and what coverage is necessary to make sure all problems are covered.  

Contact Prince Insurance today for a free quote.

Why Working With A Local Insurance Broker Leads to Better Coverage

Every day, more and more Americans are choosing to get their car insurance, home insurance, life insurance, health insurance, and other insurance products from a local insurance company. Why? Because they believe that is the best way to get the most personalized attention when it comes to their insurance needs. Why not save money and time by working with a local insurance broker?

When you are comparing insurance coverage options, there are a number of things you are going to need to consider. One of those is going to be the cost of the policy since this is going to be the biggest factor in your decision. We are going to take a look at how you can make sure that your policy will be the best value for you.

One of the reasons that you will want to work with a local insurance broker in order to find your coverage is that they are going to be willing to help in making sure your policy fits within your budget. You need to ensure that the overall cost of the plan does not exceed what you can afford.

A broker is more than just a passerby on the road to the people you do business with; they can really help you get the coverage that’s right for you.

How a Local Insurance Broker Leads to Better Coverage

1. Understand the local environment and local threats to your industry.

2. Having more time for personal attention will lead to better communication and better coverage.

3. Local insurance brokers work with local agents to find the best value for your company and budget.

4. Local insurance brokers will help you understand every step in the process so that you are informed and able to make good decisions.

In time, your rapport with an insurance broker becomes a long-term relationship that you can trust with all of your insurance, personal, and business policies alike.

Find Your Local Broker

Contact Prince Insurance today to receive a free quote for your insurance policy and experience why a local insurance broker leads to better coverage.

Biggest Personal Insurance Mistakes


The world of insurance can be a confusing and scary place. There are so many things to remember, and it can be hard to know where to start. For example, there are so many different types of insurance, from life to auto to home to renters, and you could spend weeks researching each company and finding the best one.

When it comes to personal insurance, the reality is that many people are making decisions that could negatively affect their financial security. We have created a list below of some of the biggest personal insurance mistakes.

Keep your future home and family safe with the proper personal insurance coverage.

What Are the Biggest Personal Insurance Mistakes?

  1. Getting cheap insurance. Cheap insurance will usually mean that it lacks in coverage and will cost you more out of pocket if you ever need to use your insurance. Do not get cheap insurance, get insurance that provides enough coverage.
  2. Not asking about discounts. Ask your agent if there are any discounts you qualify for as a first-time home buyer or if you have been with the agency for some time. Many companies will offer discounts to clients who do business with them for a long period of time.
  3. Not working with an insurance broker who can help you determine the right insurance based on value, not price. An insurance broker can find ways to bundle your personal insurance, such as home and auto insurance. Review your insurance each year and checking to make sure that you do have coverages in place for these areas of your life.
  4. Not reading the fine print on your home and auto insurance and ending up not being fully covered.
  5. Thinking you don’t need insurance.

Get The Support You Need

Contact Prince Insurance today for a quote and avoid making any of the above biggest personal insurance mistakes.

Biggest Business Insurance Mistakes

Insurance Broker


Have you ever made a key mistake when purchasing your business insurance policy? If so, you are not alone, as most business owners make mistakes when buying their policies. No matter what kind of insurance you carry, there are a few things that you should know about the biggest business insurance mistakes that you can avoid. Whether you are a homeowner, auto owner, or business owner, there are a few things you must know about insurance in order to avoid big mistakes.

Common Errors

The biggest business insurance mistakes include the following.

1. Not knowing what your business really needs.

2. Not being cognizant of the coverage you are actually buying when purchasing a policy.

3. Not reading the policy and understanding it fully.

4. Not reviewing the policy on a regular basis (at least every three years) to be sure it is what you need.

5. Being fooled by fancy but extraneous insurance add-ons that appear necessary, when actually they are not.

6. Not understanding that often what you already have in your business or home is adequate coverage and that additional insurance may be unnecessary at the cost it will command.

Prince Insurance is here to support your business.

Always Consult Your Broker

Don’t make any mistakes with regard to your insurance coverages; always consult your broker so that you don’t accidentally get in trouble with your insurance provider. Depending on the broker you choose, the information you ask for may be different from the information you need to know.

Buying yourself without consulting an insurance broker puts you more at risk of making any of the mistakes listed above. A good broker knows your business and its needs very well. A good brokerage also has a network of companies that it works with, and the industry contacts to help find the best deals for you.

Contact Prince Insurance for a quote and avoid making the biggest business insurance mistakes.

Protect Your Business With the Right Insurance

Independent Insurance Broker

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. 

Insurance Broker

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

office team

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

Business Insurance

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. 

Independent Insurance Broker

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!