Blog Posts in January, 2023

• Posted By Dick Law Firm 31-Jan-2023

  What Home Renovation Projects Raises Your Insurance Rates?

  Adding On An Addition If you add a new room to your home, you also increase its square footage and "worth." Your homeowner's insurance will increase proportionally to your addition's square footage. Most of a homeowner's premium ...

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• Posted By Dick Law Firm 31-Jan-2023

  What Is Not Covered by a Business Insurance Policy?

  Typically, business insurance policies cover only liability and property damage. This can leave your firm vulnerable to litigation arising from occurrences not covered by standard commercial liability coverage. To safeguard your business, you can ...

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• Posted By Dick Law Firm 30-Jan-2023

  Will My Insurance Rates Go Up If I Renovate My Home?

  Your homeowner's insurance premiums might go up due to some house improvements you make, but this is not always the case. Your homeowner's insurance premiums could go up due to improvements you make to your home that make it more valuable. ...

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• Posted By Dick Law Firm 30-Jan-2023

  How Much Does Business Insurance Cost?

  Costs for business insurance can vary substantially. Those who purchase a company owner's insurance from Progressive pay an average of $101 per month, compared to $241 from The Hartford. Why such a large disparity? Because the cost of business ...

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• Posted By Dick Law Firm 29-Jan-2023

  Should I Tell My Home Insurance Agent If I Renovate My Home?

  The amount of homeowners insurance you purchase relies on criteria such as the size, condition, and price to rebuild your home in the event of a calamity. However, what if these variables alter, such as if you add a deck or renovate the kitchen? Does ...

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• Posted By Dick Law Firm 29-Jan-2023

  Do Sole Proprietors Need Business Insurance?

  Sole entrepreneurs should have general liability insurance, at the very least. This policy covers you if someone sues you for causing damage to their property, injuring them, or harming their reputation. A lawsuit as a sole proprietorship could risk ...

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• Posted By Dick Law Firm 28-Jan-2023

  What Exactly Is LLC Insurance?

  LLC insurance protects firms against various liability claims, including personal injury and property damage. Business Employees Products Numerous small firms form LLCs. This isolates your personal belongings from your corporate assets. However, it ...

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• Posted By Dick Law Firm 28-Jan-2023

  How Does My Insurance Change In A Separation?

  It is helpful to have a checklist that directs you through the maze of settlements and paperwork, regardless of whether or not you and your soon-to-be-former spouse are able to communicate with one another. Take everything in baby steps, and be ...

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• Posted By Dick Law Firm 27-Jan-2023

  Do I Need Business Insurance If I Have An LLC?

  Your LLC should have business insurance coverage. Without insurance, you would have to fund claim fees yourself, which may not be possible for many small firms. The necessary insurance for a small business depends on the type of business and the ...

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• Posted By Dick Law Firm 27-Jan-2023

  How to Handle Your Homeowners Insurance Following a Divorce

  Changes to a homeowners insurance policy may only be made by individuals specified on the policy. You can request a change to your policy, commonly known as a policy endorsement, by contacting your insurance provider or agent and submitting a formal ...

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• Posted By Dick Law Firm 26-Jan-2023

  What Are Some Good Small Business Insurance Companies?

  Business insurance protects your organization and its assets from property damage, injuries, litigation, and other liabilities resulting from your job. Business insurance carriers should make it simple to obtain the coverage you require and provide a ...

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• Posted By Dick Law Firm 26-Jan-2023

  What Is Wedding Insurance?

  On one of the most important days of their lives, there is going to be some type of accident despite the couple's best intentions. The best man's clumsiness could cause the bride to tumble into a pool. Someone might stumble on the dance ...

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• Posted By Dick Law Firm 25-Jan-2023

  What is Business Automobile Insurance?

  What is Business-related Commercial Auto Insurance? A separate insurance policy provides physical damage and liability coverages for commercial vehicles for amounts, circumstances, and usage not covered by personal auto insurance. This kind of ...

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• Posted By Dick Law Firm 25-Jan-2023

  When to Avoid Submitting a Home Insurance Claim

  Although homeowners insurance is available in case your home or possessions are damaged or lost, you shouldn't always file a claim. For example, the premium rise you'll probably see at renewal time may not ultimately be worth filing a claim ...

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• Posted By Dick Law Firm 24-Jan-2023

  What Are the Different Types of Business Insurance?

  Business insurance is essential for the protection of every enterprise. Medical expenses, property damage, and the high cost of litigation could be costly out-of-pocket expenses. However, there is no one-size-fits-all policy, so your company's ...

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• Posted By Dick Law Firm 24-Jan-2023

  What Are the Repercussions of Lying On An Application For Homeowners Insurance?

  Instead of shopping for the best home insurance to save money, some individuals may lie about home factors to reduce premiums. People who cheat on their homeowner's insurance applications may face various consequences. We've ordered them from ...

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• Posted By Dick Law Firm 23-Jan-2023

  What Are the Best Business Insurance Options in Texas?

  There are no longer any universal policies. Today's business insurance providers focus on gaining in-depth knowledge of the industries they cover in order to deliver solutions tailored to your company's specific requirements. In the end, the ...

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• Posted By Dick Law Firm 23-Jan-2023

  What Typical Lies Do Homeowners Tell On Their Insurance Applications?

  A misrepresentation occurs when an applicant for insurance omits or falsifies information. There are two different sorts of misrepresentation: harsh and soft. Hard misrepresentation occurs when a homeowner fabricates an accident for monetary ...

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• Posted By Dick Law Firm 22-Jan-2023

  Does My Home Insurance Cover Me If I Have Flood Damage But No Flood Insurance?

  If your home and basement were damaged by water that was not caused by a flood, your insurance carrier would likely cover the damages. Unfortunately, the declaration of a State of Emergency does not affect the application of your policy, especially ...

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• Posted By Dick Law Firm 22-Jan-2023

  Does Home Insurance Cover Thanksgiving Mishaps?

  Thanksgiving is a day to celebrate with family and friends and spend quality time eating, drinking, and being joyful. It can also be a season of fires, slips, falls, and even food poisoning. Knowing what your home insurance covers will come in if ...

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• Posted By Dick Law Firm 21-Jan-2023

  What's the Cheapest Homeowners Insurance Companies in Texas?

  In Texas, the average annual cost of homeowner's insurance is $2,207, or $184 per month. This means that Texans spend 37% more than the national average for house insurance. The simplest strategy to receive inexpensive homeowners insurance in ...

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• Posted By Dick Law Firm 21-Jan-2023

  Christmas Mishaps That Are Covered By Home Insurance

  It's the most delightful time of the year, so maybe this holiday season will be filled with many good memories. However, Christmas mishaps are possible. Suppose the Grinch takes your Christmas gifts or knocks over your Christmas tree and creates ...

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• Posted By Dick Law Firm 20-Jan-2023

  What is Subsidence Insurance?

  Subsidence occurs when the soil beneath your home sinks, forcing your home's foundation to shift. Subsidence can cause the building to shift, resulting in instability and the formation of huge wall fissures. Does My Home Insurance Policy Cover ...

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• Posted By Dick Law Firm 20-Jan-2023

  What Are Some Insurance Tips For Newlyweds?

  Congratulations on your wedding! Whether or not your marriage entails additional changes, such as moving in together, purchasing a new home, or beginning a family, you should review your insurance plans and amend them to reflect your new relationship ...

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• Posted By Dick Law Firm 19-Jan-2023

  "Is Mobile Home Flood Insurance Mandatory?

  Mobile homes are not obliged to get flood insurance unless the mortgage lender requires it. Lenders mandate flood insurance for mobile homeowners in FEMA-designated high-risk flood zones. FEMA prepares nationwide flood maps. Mortgage companies that ...

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