Insurance Archives Page 3 of 5

02 Aug 2022

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…

26 Jul 2022

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…

16 Jun 2022

The Best Insurance Policies for Young People and Their Families

Insurance, Personal

There’s a lot to think about when you’re young and starting out in life. One of the most important things is making sure you and your family are taken care of financially, should something happen to you. That’s where insurance comes in. There are all sorts of insurance policies available, but which ones are best for young people who want to take care of their families long-term? Here are a few options to consider. Term Life Insurance – type of policy provides coverage for a set period of time,…

03 May 2022

Guide to Insurance for Home Appliances

Insurance

The hidden costs of maintaining a home often surprise owners, and one that is sometimes overlooked but important to consider is the price of upkeep and replacement for your home’s appliances and systems. Homeowners insurance is designed to cover the replacement of items only in the case of natural disaster or theft. But what about the costs of maintaining expensive systems and appliances or, even worse, the replacement costs that come with normal wear and tear? To be sure you have the coverage you need, it’s worth considering…

21 Apr 2022

Gauging the Life Expectancy of Your Bike

Insurance, Personal

How long your bike will last is probably something you rarely think about (much like tennis shoes). Still, the reality is that worn bicycle parts or a damaged frame can cause instability, discomfort, increased wear on other parts of your bike, and injuries. Cycles can last anywhere from a year to a lifetime, depending on how well each bicycle part is maintained. Checking your manufacturer's warranty can help you gauge its lifespan, but keep in mind that each piece of your bike will need to be replaced on…

06 Apr 2022

Get Business Insurance in Elko, NV

Business, Employees, Insurance, NEWS

You now have a local insurance broker to provide your business with the personal service and support you deserve. A and H Insurance has opened our new office at 526 Idaho St. in the heart of Elko, and we look forward to meeting you! Why A and H Insurance? A and H Insurance was founded in 1957 in Reno, NV and has 6 branches in Northern Nevada, including Elko and Winnemucca. We are an independent agency, which means we are allowed to work with dozens of our partner…

15 Mar 2022

Homeowners and Airbnb Insurance

Insurance

For the most part, using your home as an Airbnb can be a lucrative way to make extra cash or to subsidize the mortgage on your property. The post pandemic travel boom has driven new heights of wanderlust, but the savvy traveler is still wary of close contact, so Airbnb rentals have become more reclusive havens of choice. The New York Times reports, “Home rentals have outperformed hotels in 27 global markets since the onset of Covid-19, according to a report by the hotel benchmarking firm STR and…

29 Dec 2021

Winter Sports Insurance Guide

Insurance, Wellness

Winter sports are great for those seeking adventures and exciting opportunities. While beautiful and coveted by many, winter sports are also dangerous. If you’re planning to travel this season, considering winter sports insurance is a great idea. In particular, winter sports insurance (a type of travel insurance policy) was created especially for the fans of winter sports and activities. It can cover different situations, including accidents and equipment loss. Some of the most common things covered by winter insurance include: Accident on the slopes The cost of replacing…

27 Dec 2021

Why Your Business May Need Tax Liability Insurance

Business, Insurance

Tax season is fast approaching, and if you’re a business that conducts transactions overseas, that is involved in mergers and acquisitions, or that deals in renewable energy, real estate investment trust (REIT) risk, you may want to consider tax liability insurance. Tax liability insurance, also known as “tax insurance” or “tax opinion liability insurance,” is a product that protects the insured when they hold a tax position that is in conflict with what the IRS calculates. This coverage can be purchased through A and H Insurance with our…

22 Dec 2021

Holiday Season Travel Insurance Tips

Insurance

After working long, hard hours for months, you finally get the vacation you wanted. At last, everything is all packed and ready to go. But, just because you’re on vacation, it doesn’t mean accidents won’t happen. Whether you’re planning an in-state or out-of-state vacation, planning to get insurance will save you money down the line. When it comes to travel insurance, it is always better to have and not need it than to need and not have it. Read on for how to arrange holiday season travel insurance.…