Category: Personal Insurance

25 May 2017
What to Know About Life Insurance for Millennials with These Tips

Find Out What You Need to Know About Life Insurance for Millennials with These Tips

Check out these life insurance tips for millennials to best plan for the future.

Good money management is a must, especially for millennials who are just starting out. From savings to investments to retirement funds, it’s important that you think about your financial future. However, it’s also important that you have the tools that you need to protect your loved ones. That’s where life insurance comes in. As a millennial, you often don’t think about life insurance, however, it’s an important step in your financial planning. Check out what you need to know about life insurance for millennials with these tips.

Protecting Your Family.

Whether you’ve just gotten married or you’re expecting a baby, it’s important that you take good care of your family. While you’re young and healthy, life is unpredictable. If the unthinkable should happen to you, your family needs the right resources to get back on their feet. Life insurance provides the necessary coverage for your family. If you have any dependents, it’s important that you invest in the right coverage so that you can rest easy knowing that your loved ones are well cared for.

Protecting Your Business.

As a millennial, your career is important to you. If you own your own business, it’s important that you take good care of it. If something should happen to you, all your hard work is at risk. Help to keep your business up and running with the right life insurance. That way your business partners have the financial resources that they need to keep your business afloat after a loss. It’s an investment in protecting the future of your company.

When it comes to planning for your future, ensure that you consider all your options. Find out why life insurance is a must when protecting your family. Ensure that you invest in the right life insurance for your needs. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

11 May 2017
What to Know About Reviewing Your Homeowners Insurance Coverage

Find Out What You Need to Know About Reviewing Your Homeowners Insurance Coverage

Learn about reviewing your homeowners insurance coverage so that you’re best insured.

Investing in the right homeowners insurance is a must when protecting your home. It gives you the necessary protection to protect your home from disaster. Whether it’s a home burglary or house fire, your coverage helps to get your home back in order. However, your coverage needs don’t remain constant. As your life changes, so do your coverage needs. It’s important that you review your policy at least once a year. Find out what you need to know about reviewing your homeowners insurance coverage.

Structural Coverage.

When it comes to ensuring that you have enough insurance coverage, it’s important that you have enough to rebuild your home from the ground up. Pay attention to your coverage limits so that you’re not left with any coverage gaps. Additionally, it’s a good idea to notify your insurance agent of any home remodeling so that your coverage can reflect the new rebuilding costs and you’re not left with inadequate coverage.

Personal Property Coverage.

Your homeowners insurance gives you coverage for your personal property. However, it’s important that you properly insure your most prized possessions. Start your review by taking a home inventory. Document all your household items and make a list of their values. Ensure that you take plenty of photos and keep any receipt and appraisals safe. If you’ve purchased anything of value over the past year, add it to your inventory and increase your insurance limits. That way you’re best able to protect your property in the event of a disaster.

When it comes to your homeowners insurance, ensure that you review your policy annually. That way you get the best coverage for your needs. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

04 May 2017
Avoid These Common Causes of Car Accidents with These Tips

Stay Safe on the Road and Avoid These Common Causes of Car Accidents with These Tips

Learn about these common causes of car accidents so that you’re best able to prevent them.

Driving is dangerous. Operating heavy machinery at high speeds has the potential to cause serious damage. Car accidents are a serious threat to your safety on the road. Safe driving can help to minimize your risk of an accident. Ensure that you’re well-protected on the road with the right auto insurance coverage. Learn about these common causes of car accidents so that you’re best able to avoid them.

Speeding.

Speed limits are posted for a reason. Speeding is one of the top causes of traffic accidents. Reduce your risk of a traffic accident when you match the speed limit. Leave early so that you can avoid rushing to your destination and so you can drive safely.

Distracted Driving.

From drinking a cup of coffee while sitting in traffic to sending a quick text, when you engage in other activities while behind the wheel, you significantly increase your risk of an accident. In fact, distracted driving accounts for the highest number traffic accidents. Minimize your risk by keeping distractions to a minimum. Put your phone away, turn down the radio, and focus on driving safely.

Tailgating.

It’s important to leave plenty of room between your car and the car in front of you. Tailgating accounts for lots of accidents on the road. Ensure that you stay safe on the road when you avoid tailgating. That way you’re better able to react to threats on the road.

When it comes to your safety on the road, ensure that you practice good driving habits. Ensure that you’re secure with the right auto insurance coverage. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

13 Apr 2017
All About Life Insurance so You Can Keep Your Family Secure

Find Out All About Life Insurance so You Can Keep Your Family Secure

Learn about the life insurance basics so that you can best protect your family.

When it comes to protecting your family from disaster, it’s important that you have the tools that you need to keep them safe. Should something happen to you, you need to know that your family has the monetary resources that they need. Life insurance helps to assist in your family’s financial planning. However, life insurance is a complex investment. Find out what you need to know about the life insurance basics with these tips.

Types of Life Insurance.

When it comes to choosing the right life insurance policy, it’s important to explore your options. There are two main options when it comes to choosing a policy: term and whole. A term policy offers coverage for a set period of time whereas a whole insurance policy gives lifetime coverage and builds cash value. However, term policies tend to be more affordable while whole policies tend to be more expensive.

Coverage Limits.

When it comes to choosing a policy, it’s important that you determine how much coverage that you’ll need. Start by determining how your family will use the policy benefits. Whether it’s to supplement lost income or pay for funeral costs, calculate how much you need. Start by looking at your income and savings and comparing it to your expenditures and debts. Then you can better calculate how much coverage you need for your family.

Why Buy Life Insurance.

Life insurance is an important part of your family’s financial planning. It helps to give your family the protection that they need and give you peace of mind.

Find out what you need to know about the life insurance basics so that you stay well protected. Get the right life insurance coverage for your family. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

06 Apr 2017
Get the Right Vehicle with These Tips to Buy Your First Car

Get the Right Vehicle for Your Needs with These Tips to Help You Buy Your First Car

Find out what you need to know about buying your first car with these tips.

Buying a car is an exciting time, but it’s a big purchase. As a first-time car buyer, it’s important that you’re prepared to make your purchase. Be prepared as a first-time buyer, and check out what you need to know about buying a car with this guide.

Do Your Homework.

Before you set foot in a dealership, it’s important that you do a little research. Find out what makes and models are on the market and which features you like best. Once you’ve narrowed it down to your favorites, check the consumer ratings, crash safety reports, price points, and anything else that you think may be useful in making a decision.

Pick a Budget.

Before you get too excited about a car, it’s important to know what you can afford. Crunch the numbers and determine what you need to budget for your car. You may also want to think about car financing and see if you’re pre-approved for a car loan. When you have a set number to stick to, you’re better able to make a decision about buying a car.

Test it Out.

Once you’ve narrowed down your options, it’s important that you get a feel for the car that you’re looking to buy. Head over to the dealership to see the car and take it for a test drive. Determine how it feels so that you can decide if it’s the right car for you.

When it comes to buying your first car, ensure that you’re well prepared. Protect your new purchase with the right auto insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

30 Mar 2017
Springtime Home Maintenance Tips for Your Home

Springtime Home Maintenance Tips for Your Home

Learn all about how to get your home ready for spring with these maintenance tips.

The days are getting longer, and the weather is getting warmer. It’s time for spring! Ensure that you’re ready for the new season by getting your home in top condition. Check out these tips to help you tackle your spring home maintenance.

Inspect Your Weather Stripping.

When it comes to getting your home ready for the spring, it’s a good idea to inspect your home’s weather stripping. During the winter, sealing up your home helps you to keep heat in. However, in the spring and summer, it also helps you to keep your home cool. Inspect your home so that you can make any necessary repairs to your weather stripping.

Clean Your House.

When it comes to getting your home ready for spring, it’s important that you start on your spring cleaning. From dusting off your ceiling fans to replacing your a/c filter to vacuuming your dryer vents, use the spring as your perfect opportunity to get your home clean and tidy. That way you’re able to keep your home in excellent condition, and you can make any necessary changes before the summer heat hits.

Check Your Roofing.

After all the winter storms, it’s a good idea to have your roof inspected. That way you’re able to find any leaks, broken shingles, or any other issues and take care of them. This will even help to prevent any further damage.

Enjoy the spring season in a well-maintained home. Ensure that your home is ready for the spring with these maintenance tips and the right homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

23 Mar 2017
What You Need to Know About Your Auto Insurance Rate Changes

Determine What You Need to Know About Your Auto Insurance Rate Changes

Find out how your lifestyle changes affect your auto insurance.

As a motorist on the road, you need auto insurance. Not only do you need insurance by law, but without auto insurance, you’re vulnerable to various threats on the road. However, as your life changes, so does your auto insurance. Keep up with your auto insurance changes and learn how they may change your auto insurance rates. Here’s what you need to know.

Moving?

When you move from one place to the next, your residence influences your auto insurance premiums. Different zip codes come with different risks. For example, one zip code may have a higher instance of vandalism than another, so your premiums may be adjusted accordingly.

Teen Getting Ready to Drive?

You’re overwhelmed with plenty of emotions when your little one finally starts to drive. No matter how you feel about your teen starting to drive, it’s of the utmost importance to ensure that they’re safe on the road. When you add another person onto your auto insurance policy, expect your rates to change. This rate change doesn’t just apply to your teen driver. Whether you’re getting married or your in-laws are moving in with you, any changes to your policy change your premiums.

Buying a New Car?

Your car isn’t built to last forever. At some point, you’re going to have to buy a new car. Whether you’re buying a brand-new car or a used car, keep in mind that the type of car that you choose and the age of the car affect your auto insurance rates. From safety features to repair costs to age, consider all the necessary factors that may influence your rate when it comes to choosing your new vehicle.

Learn all about your auto insurance so that you can make sense of any changes. Get the best auto insurance, so you stay safe on the road. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

09 Mar 2017
Protect Your Kid with the Right Life Insurance as a Single Parent

Protect Your Kids with the Right Life Insurance as a Single Parent

Life insurance tips for single parents.

As a single parent, you know how hard it is to raise your kids on your own. Balancing work life and home life is a careful balancing act, but when it comes down to it, your child comes first. You’d do anything to protect your child. However, if something were to suddenly happen to you, it’s important that your child would have the right tools to survive. Plan for the future with the right life insurance. Get the right coverage as a single parent with these tips.

Choosing a Guardian Isn’t Enough.

You may have thought about what would happen to your child should you suddenly pass away. You’d want close friends and family to love and raise your child. You may have even designated a guardian in your will. However, asking someone to look after your child isn’t enough. Even though your loved ones have the best intentions, raising a child is expensive. Help to give your loved ones the tools they need to raise your child with the right life insurance. That way you needn’t worry about your child’s future.

Choosing a Policy Can Be Affordable.

There’s a common misconception that life insurance is too expensive to fit your budget. However, coverage is more affordable than you may have thought. Some life insurance policies are expensive, but a term policy can give you the appropriate coverage. It’s the perfect coverage option for single parents on a budget. That way you’re best able to take care of your child even after you’re gone.

As a single parent, it’s important that you plan for your child’s future, starting with the right life insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

23 Feb 2017
Tips to Keep Your Passengers Safe on the Road

Practice the Right Safety Measures to Keep Your Passengers Safe on the Road

Check out how you can best keep your passengers safe on the road.  

Safety is a priority on the road. While it’s important that you take care to protect yourself when driving, it’s also important that you protect your passengers. Whether they’re friends, family, or acquaintances, it’s important that you take care to keep your passengers safe while they’re in the car. Use these safety measures to help keep your car as safe as can be. Here’s what you need to know.

Buy Smart.

Your first opportunity to keep your car as safe as can be comes when you’re buying it. Before you buy a car, look for a vehicle with top safety ratings. Not only should you be concerned with driver safety, but also check the safety ratings for passengers. Choose a vehicle with good safety ratings so that you can rest easy knowing that everyone is well-protected.

Seat Belt Rule.

Not only is it required by law, but it’s important that your passengers wear their seat belts at all times to stay safe. In the event of an accident, a seat belt can be a lifesaving tool. Make it a rule that all your passengers must buckle up before you start on your journey, whether it’s a road trip or a trip to the market.

Invest in the Right Equipment.

When it comes to keeping your passengers safe, it’s important that you have the right tools for passengers of all sizes, including kids. Ensure that you have the right type of car seat so that you can keep kids as safe as can be.

Find out what you need to know about safety on the road. Protect yourself and your passengers with the right auto insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

09 Feb 2017
Why Life Insurance is a Necessary for Financial Planning

All About Why Life Insurance is a Necessary Component of Your Financial Planning

Find out why life insurance is necessary for your loved ones.

Everyone has financial responsibilities. From mortgages to student loans, it’s important to think about what will happen to your loved ones after you’re gone. Insurance provides the necessary resources to help your family get back on their feet financially. However, spending money on a something that you will never see, may make you question whether life insurance is really necessary. Learn why life insurance is a must in your financial planning.

Taking Care of Debts.

You may not have to worry about your debts after you pass, but your family does. Often, debt is passed on to families, who then become responsible for them. A life insurance policy can help to give your loved ones the finances that they need to tackle your debts.

Paying for End-of-Life Costs.

Life is unpredictable. You may pass suddenly, or you may suffer health complications. Sometimes your loved ones are left with expensive medical bills that must be paid after you’ve passed. Additionally, funeral expenses aren’t cheap. Life insurance can give the necessary funds to help settle all your end-of-life costs.

Giving Your Family Stability.

When you pass, your family likely loses an income. Life insurance can help to offset living expenses until your family can get back on their feet. Choose a policy that can replace your income for at least a year so that your family has the right stability. Additionally, don’t count out non-working spouses. Child care and home maintenance expenses can add up, and life insurance can help to offset these costs.

Give your family the financial protection that they need with the right life insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.