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First Independent - Descamps Insurance Agency Blog Page 6

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

The weeks between Black Friday and Christmas are the busiest shopping period of the year because everyone is getting ready for the holidays. More than ever, people are choosing to do their shopping online to avoid the crowds and long lines. After all, you can shop from almost anywhere and get the same product at a great price shipped right to your door. READ MORE >>

Commercial insurance comes in three different types: Property, liability and workers compensation. Commercial property insurance offers an almost limitless list of options that can cover every aspect of your business, regardless of what type of business it may be, in addition to standard property coverage. READ MORE >>

Life insurance is a great way to financially support your family, come what may. Many people take solace in the knowledge that their policy will protect their dependents. However, others would prefer to see a more tangible benefit for spending so much of their hard-earned money. READ MORE >>

You may feel like your auto insurance policy is written in another language, due to some unfamiliar words and abbreviations. One item that may be listed is "Comprehensive" — or "Comp" for short. While you've probably heard the term before, you may not know what it covers. What is Comprehensive Coverage? READ MORE >>

Drinking enough water to stay properly hydrated during the hot summer months can be tough, but did you know that you can get a big chunk of your daily water intake from solid foods? There are plenty of fruits and veggies that are made of mostly water — and packed with nutrients to boot. READ MORE >>

Before you know it, we will be experiencing those hot, humid days of summer, which often bring intense rain and thunderstorms. Even if you don't live in an area that typically gets regular summer storms, it only takes one big one to move through and do some damage to your home and property. READ MORE >>

When you get a mortgage on your home, the lending company requires proof of insurance for the property because they are interested in protecting their investment.  Regardless, you should also have homeowners insurance on your home to protect you in the event of a catastrophic event such as a fire, windstorm, hail or even a flood. READ MORE >>

Summer is here and you may be counting the days until you head to the mountains or the beach for a few days of R&R. Remember, your home security shouldn't be on vacation as well. You may have adequate home insurance protection, but there are things you can do to help protect your property and keep your insurance premiums at a minimum. READ MORE >>

No one likes to clean out gutters, but it’s a vital part of homeownership considering that gutters can accumulate over 200 pounds of debris each year. And, if you forgo the chore, you could be faced with much bigger problems, such as water damage, leaks and pricey gutter repairs/replacement. READ MORE >>

Apart from very specific factors, most insurance companies will use the following factors when considering what rate to charge you for your home insurance. Age of home - If you have a new home, you can usually qualify for discounts.  READ MORE >>

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