Phillips Insurance Agency

As a renter, you have less liability for the residence in which you live, but odds are you still need more coverage than you realize. Because of this, you may want to think twice before skipping renters insurance.

How much renters insurance do I need? The exact amount varies based on what you own, what you want covered, and whether you have special valuables. Most 2-bedroom homes are recommended to have about $30,000 worth of renters coverage, but it's best to take inventory of your belongings and their worth.

There are many benefits to having a life insurance policy, aside from ensuring your loved ones are protected. Learn more here.

Many insurance companies offer discounts.? Touch base with us today to inquire about discount opportunities for bundling opportunities, installing alarm systems, or even installing deadbolt locks.

Here's a short list of common mistakes to avoid while shopping for the best insurance for your budget + needs. ?? https://www.iii.org//five-insurance-mistakes-avoid-and-sti

Most insurance policies are designed to cover the bare essential circumstances. Fortunately, insurance providers understand that life can be unpredictable and often offer more options than you think. If you feel like your policy is missing something, ask about riders, endorsements, and custom coverage to build the perfect plan for you.

If you're one of the growing number of entrepreneurs with a home-based business, you may have pondered getting business insurance. But it's not just a case of whether or not to get insured, but what kind of insurance to get.

Health Insurance Terms: Preferred Provider Organization (PPO). With a PPO plan, you are encouraged to use a network of preferred doctors and hospitals. These providers are contracted to provide service to plan members at a negotiated or discounted rate. With a PPO, services rendered outside of the network may result in a higher out-of-pocket cost.

Wanting to know how long auto insurance will pay for your rental car? This is a common question asked, so learn more about the details of auto insurance coverage for your rental car!

How much homeowners insurance do I need? Many policies have recommended or required coverage amounts, but in many cases, the right amount is left up to calculation. You should have enough coverage to:... Rebuild your home Replace your belongings Cover injuries ($300,000-$500,000) Cover displacement expenses Total coverage amounts will vary greatly, but for the average homeowner, it will be something like 2-3 times the market value of your home.