10 Jan 2024
Differences Between HMO, PPO, and EPO Health Insurance Plans

Differences Between HMO, PPO, and EPO Health Insurance Plans

Insurance
When it comes to health insurance plans, there are several options available, including EPO, HMO, and PPO plans. Knowing the differences can help you make an informed decision so that you’ll get the right coverage that fits your budget. The network size, deductible, and premium costs of plans you have access to may vary, so the info below is generalized and will not be accurate 100% of the time. What are HMOs, PPOs, and EPOs? An HMO, or Health Maintenance Organization, is a type of plan that typically…
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12 Oct 2023
Reviving Your Financial Health: A Guide for Entrepreneurs Overcoming Addiction

Reviving Your Financial Health: A Guide for Entrepreneurs Overcoming Addiction

Business, Insurance
Entrepreneurs who've struggled with addiction face a unique set of obstacles, particularly in financial rebuilding. This struggle is often compounded by the impact on both personal life and business operations. In this article, A and H Insurance delves into eight actionable steps that can help entrepreneurs like yourself reclaim a financial footing in the post-addiction stage. Whether you're new to entrepreneurship or a seasoned business owner, these strategies can set you on a path to recovery and success. Accept the Significance of Past Habits First and foremost, it's…
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11 May 2023
Prepare Your Home for a Fire Emergency

Prepare Your Home for a Fire Emergency

Insurance, Personal, Tips
Understanding the risk of fire emergencies in your home To guarantee you and your family's safety, it's crucial to be aware of the fire hazards in your living space. Cooking equipment, heating appliances, cigarettes, and electrical malfunctions are the main causes of house fires. Identifying these hazards and taking fire safety seriously is imperative for fire prevention. Regular maintenance and cleaning of stoves and furnaces, for example, could prevent fires from happening. You should also store any flammable liquids and combustibles away from heat sources. If you live…
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25 Apr 2023
Why You Need Umbrella Insurance Coverage

Why You Need Umbrella Insurance Coverage

Business, Finances, Insurance
Understanding umbrella insurance coverage Umbrella insurance is a type of personal liability coverage that goes beyond the limits of other existing policies such as homeowners, auto, or business insurance. It is designed to protect individuals or companies and their assets from the financial consequences of unforeseen events such as lawsuits or accidents. Those who are at high risk of being sued, that have significant assets, inexperienced drivers, or anyone concerned that their coverage limits are not sufficient may benefit from umbrella insurance. Umbrella insurance provides coverage for losses…
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18 Apr 2023
6 Things to Consider When You’re Expanding Your Business

6 Things to Consider When You’re Expanding Your Business

Business, Finances, Insurance
Once your small business starts gaining momentum, it’s time to think about expansion! But do you know what you need to take into consideration as you scale your business? Here, A and H Insurance goes over five crucial tasks you need to tackle in order to grow your company and increase your bottom line: 1. Protect Yourself, Your Employees, and Your Business If you’re running a sole proprietorship, forming an LLC will help you expand your business. Apply for an EIN in your state so you can start…
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09 Nov 2022
Insurance Company Expands to New Minden Location

Insurance Company Expands to New Minden Location

Insurance, NEWS
MINDEN, NEVADA — Nov 9, 2022 — A and H Insurance, Inc. has moved into their new office at 1663 Lucerne St. STE C Minden, NV 89423. They were previously located on Wildhorse Drive. This newly remodeled office is next door to 88 Cups and was formerly occupied by Shelby’s Bookstore. This new larger location will allow them to better serve individuals and business owners in the Minden, Gardnerville, and South Lake Tahoe areas. Team members include Cindy and George Thomson, George Swetland, Maria Figueroa, and Lisa Vale.…
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26 Sep 2022
Tips and Resources to Help You Pursue Your Dreams of Entrepreneurship

Tips and Resources to Help You Pursue Your Dreams of Entrepreneurship

Business, Insurance
Some of us are born entrepreneurs, trapped in the body of someone struggling to thrive in a nine-to-five. Sometimes, all we need is a bit of a push. Today’s post offers a few things to think about that might help you get past your reservations and jump aboard the self-employment training, where you can drive your own success. Understand the obligation Owning a business isn’t always easy, and there are many moving parts that you have to manage all the time. Many entrepreneurs routinely work well over the…
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13 Sep 2022
What Type of Insurance do Property Managers Need?

What Type of Insurance do Property Managers Need?

Business, Insurance
Managing a property is one of the most multi-faceted jobs anyone can ever do. In a single day in the life of a property manager, they may be called upon to solve some problems with the home’s physical structures, find tenants for a vacant apartment or pacify a disgruntled tenant. Property managers are responsible for meeting the needs of tenants, the expectations of owners, and the requirements of the law. But these are not the only challenges they have to deal with; they also live with the constant…
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02 Aug 2022
Advantages of Independent Insurance Agents

Advantages of Independent Insurance Agents

Insurance
A “captive (or dedicated) insurance agent” works for a certain insurance carrier and can only sell insurance policies provided by that carrier. An “independent insurance agent” has the freedom to get quotes through multiple insurance carriers. Have an advocate on your side The most obvious difference from a captive agent is that independent insurance agents work for YOU, not for the insurance carriers. They are unbiased and do their best to get the best deals and coverage for their clients. Options A captive agent can offer you policies…
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26 Jul 2022
Does Homeowners Insurance Cover Water Damage?

Does Homeowners Insurance Cover Water Damage?

Insurance
Homeowners insurance is a type of property insurance that covers losses or damages to your residence. The coverage includes everything on the property's interior and exterior. It also covers theft of belongings, personal liabilities, and extra living expenses. From all these, you can see that homeowners insurance covers a range of mishaps. However, homeowners often want to know if their policy offers protection for water damage. They also would like to know if their insurance will protect them in situations like heavy storms or flooding. Homeowner's insurance covers…
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