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Category: Wise Counsel

How to Protect Your Car from Love Bugs

It’s love bug season again…

Our windshields and grilles will soon be covered with the splattered remains of those little black-and-orange insects. Sometimes, there’s so many of them that it looks like you’re driving through black smoke or it sounds like it’s raining on your car.

What Factors Affect Your Life Insurance Premiums

The short answer to that is “it depends” and the long answer is that it depends on a number of factors about yourself in addition to what type of policy you’d like to get. For example, the premiums for a 10-year term will usually be lower than a 30-year with all the other variables being the same.

Why Millennials Can’t Afford to Miss Out on Life Insurance

If you were born between 1978 and 1998, you’re a Millennial according to the media (no matter how much you HATE being called one). You’re probably in a stage of life where you’re settling down, buying a house, having some kids, and working to further your career.

Are Natural Disasters Covered by Homeowners Insurance?

Many homeowners choose a broad-range policy, often called an HO-3, because of the policy protects against a wide array of perils, unless it details specific exclusions. Some natural disasters like lightning strikes, windstorms and hail are usually covered by homeowners insurance, but earthquake and flood damage are often excluded,