30 Mar 2017
Springtime Home Maintenance Tips for Your Home
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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
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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.

16 Mar 2017
Get the Best Commercial Insurance to Keep Your Business Safe
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Get the Best Commercial Insurance to Keep Your Business Safe

Learn how these types of commercial insurance can keep your business safe.

Keeping your business as safe as can be is an important part of your business practices. There are various risks that threaten the safety of your company, from lawsuits to property damage. Life is unpredictable, and you need the right coverage to protect yourself. Check out how commercial insurance can help to keep your company safe. Here’s what you need to know.

General Liability.

Lawsuits are more common than ever, and they’re not pretty. They’re expensive, time-consuming, and they can destroy your business. Fortunately, you can help to offset these costs and protect your business with the right general liability coverage. From copyright infringement accusations to slander, you have the protection that you need to help keep your business safe and secure.

Product Liability.

When it comes to your business, accidents happen. If there’s an issue with the products that you produce, you could be liable for any associated damages. Be ready for the unexpected with the right product liability coverage. That way you have the coverage that you need to keep your business safe from issues like manufacturing flaws and design defects.

Cyber Liability.

Most business practices carried out today involve the use of digital technology. While they help to make tasks easier, they come with various risks. They’re vulnerable to cyber-attacks and should sensitive information get out, you could face a serious cyber liability suit. Get the protection that you need with the right cyber liability insurance.

When it comes to your business, it’s important that you have the tools that you need to stay well-protected from common threats. Invest in the right commercial insurance so that you can keep your company as safe as can be. 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
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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
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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.

16 Feb 2017
Small Business Tax Tips to Making Filing Your Taxes Easier
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Small Business Tax Tips for Making Filing Your Taxes Easier

Use these tax tips to get your small business taxes in order.

Tax time is right around the corner. Soon you’ll need to file your income taxes, but getting all your documents in order can be stressful. Beat the stress and get the help that you need with the right tax tips. Check out these tips for small businesses so that your tax filing runs smoothly.

Keep Record of Your Business Expenses.

It’s important that you keep track of all your business expenses so that you can properly file your taxes. Ensure that you give yourself plenty of time when it comes to getting all your documents in order so that you have time to correct any mistakes at the last minute, and so that you can review your work. To make the process all the easier for the coming year, ensure that you use a reliable accounting system to keep your expenses in order.

Gather All Your Deductions.

With so many types of deductions available to you, it’s important that you keep track. Get all your deductions in order so that you’re ready to file your taxes. From healthcare costs to educational expenses to philanthropic donations, maximize your deductions so that you get the greatest returns on your taxes.

Hire a Professional.  

It’s important that you keep track of how much you owe in taxes. That way, when you’re ready to file, there aren’t any surprises. However, keeping track of your taxes is a big job. In fact, it’s so complex that often professional help is needed. Consult with an accountant to help you get the most from your taxes.

When it comes to your business taxes, ensure that you have all the tools that you need to stay organized. As you organize your taxes, organize your commercial insurance policies. 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
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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.

02 Feb 2017
Tips to Compare Business Insurance Quotes for the Best Deal
Archive, Commercial Insurance mosergroup 0 comment

Compare Your Insurance Quotes so You Get the Best Business Insurance Coverage

Learn how to get the best small business insurance with these tips.

When it comes to your business, it’s important that you have the right insurance coverage. That way you have the protection that you need in the event of a disaster. However, when it comes to choosing the right policy, you must compare policies to get the best price. Check out these tips to help you get the best commercial insurance for your business.

Look at Your Current Policy.

It’s important that you have the right tools to protect your business. When searching for a new policy, it’s important to consider your old policy. That way you can identify areas that need improvement.  Once you determine where your present policy lacks the coverage you need, you’re better apt to choose a policy that gives you better insurance.

Give Yourself Wiggle Room.

As your business continues to grow, it’s important that you choose a policy that can weather the changes of your business. That way you can rest easy knowing that you’re well-protected. When comparing insurance quotes, check to see what sorts of coverages each policy offers so that you can make the best decision for your company.

Think Value, Not Cost.

When it comes to choosing a policy, many of us look for the lowest price. However, when it comes to comparing insurance quotes, it’s important to look at how far your money goes. Choose the policy that gives you the most bang for your buck. Look at the amount of coverage that you get for the price, so that you know you’re well-protected.

Get the commercial insurance coverage that you need for your small business. 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.

26 Jan 2017
Ask These Questions Before Your Buy Auto Insurance Coverage
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Ask These Questions Before Your Buy Auto Insurance Coverage

Find out what to ask when buying auto insurance so you get the best coverage.

Every driver needs auto insurance. Not only is it an important facet to responsible care ownership, but it’s also required by law. However, with so many coverage options, choosing a policy can be difficult. Before you choose an auto insurance policy, check out these questions to help you choose the best coverage for your needs.

What type of car do you drive?

Not all cars are created equally. Some cars pose a greater risk than others. When it comes to your insurance, consider these sorts of factors into determining the right degree of coverage. For example, if you have a type of car that’s more likely to get stolen, it’s to your benefit to purchase a little extra insurance. That way you can rest easy knowing that you’re protected.

How often do you drive?

The more time you spend on the road, the greater your risk for an accident. Therefore it’s important to pay attention to your driving habits. If you drive often, you likely need a policy with more coverage. However, if you drive seldom, then a policy with mileage-based coverage is often a wise option.

Where do you park your car?

When it comes to real estate, location is important. The same is true when it comes to parking your vehicle. If you park your car outside or in a rough neighborhood, you may need more coverage than if you were to park your car in a locked garage. Choose your insurance accordingly, so that you have enough coverage for your needs.

When buying auto insurance, choose the right 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.

19 Jan 2017
How to Get the Right Life Insurance Coverage
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Be Smart About Your Coverage and Check Out How to Get the Right Life Insurance Coverage

Learn how to get the right life insurance coverage for your needs.

Life insurance is an important safeguard when it comes to your family’s financial planning. You need life insurance so that your loved ones have access to the resources that they need even after you’re gone. However, buying life insurance isn’t an easy process. With so many coverage options and different types of policies, it can be dizzying to try and choose a policy. Check out what you need to know about how to be smart about choosing your life insurance policy.

Determine Your Coverage Needs.

Purchasing life insurance is a great way to help give your family the money that they need to get back on their feet or to pay off your estate taxes. However, it’s important to choose a policy that gives you just enough coverage. Too little coverage and your family may struggle. Too much coverage and you waste funds that you could be using for other fiscal endeavors. Think about your financial situation and how your loved ones would fair without you. Then make your coverage needs accordingly.

Do the Math.

While determining how much coverage you need for your family, use math. Look at your income, savings, and investments along with your debts, mortgage, and expenditures. Compare the two so that you know how much your family needs to help settle any debts and take care of themselves until they can get back on their feet.

Pick a Policy Type.

There are multiple types of policies to choose from. When deciding on a life insurance policy, ensure that you choose the right policy type for your needs. A term policy gives you more flexibility and tends to be more affordable. However, they’re only valid for a set term. A whole policy gives you lifelong coverage. However, they tend to be more expensive. Weigh your needs so that you can choose the best policy.

Once you determine your needs, proceed to invest in the right life insurance for you loved ones. 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.