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First Independent - Descamps Insurance Agency Blog Page 2

View the latest blog posts from First Independent - Descamps Insurance Agency.

As you get older, you may not see life insurance as a necessary investment. Yet, imagine what may happen after you die. Do your loved ones stand to inherit a lot of debt? Perhaps they will pay out of pocket for your end-of-life expenses. It is possible today that you will live for 30 or more years. READ MORE >>

A car is approaching, and suddenly a deer runs out in front of your vehicle. You try to stop, hit the deer, and feel the car smash into a railing. The deer gets up and walks away. Your car suffers significant damage. Will auto insurance cover the losses?  Whether you have car insurance coverage depends on the type of policy you have. READ MORE >>

Making your home fit your family is always so important. It is not always easy to do, though. Sometimes you need to expand it. When adding a home addition, recognize that you are not just adding space to your home. You are also adding value. As a result, it is critical that you update your home insurance policy to match the new value of your home. READ MORE >>

Commercial auto insurance almost always includes liability coverage. Insurance companies adjust coverage to match the risks your vehicles and business face. Having enough is critical. Liability insurance provides coverage when you or your driver damages another car, person, or property. READ MORE >>

Like all insurance policies, your life insurance rate depends on risks. Those who have higher risks of sudden deaths almost always pay more for their coverage. A lot of different factors might impact that risk and your costs. What are some of these? Can you control any of these factors? READ MORE >>

Driving a vehicle safely when high winds occur is never easy to do. It is best to pull over when storms pick up or when risky situations exist. When you cannot avoid it, or the storm suddenly occurs, knowing how to react is critical. How can you be a safe driver behind the wheel when winds pick up? READ MORE >>

Adding a teen driver to an auto policy can be a challenging time. Know these stats before adding your teen and talk to our experts.     Source: Safeco READ MORE >>

Businesses have a lot of their most important assets stored on their property. Yet, no property is immune to sudden, unexpected damage. One of the most devastating of such occurrences is a fire. Smoke and flames, not to mention water used in dousing, can easily devastate a business. READ MORE >>

You’ll likely need general liability (GL) insurance as part of your commercial package. However, you shouldn’t assume that any GL policy will cover everything. Exclusions and limits will exist in your coverage. Take some time to learn more about what general liability insurance does not cover. READ MORE >>

Should you purchase life insurance after the age of 50? You may know there is real value in buying life insurance. You may also recognize that buying it at a younger age helps you save money. However, it is still possible – and still a good idea – to do so at 50. Consider your goals for it. READ MORE >>

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