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Why You Need Home Based Business Insurance

9 September 2021 Massive Insurance and Financial Services, LLC. Category: Business Insurance

Why Do You Need Home-based Business Insurance?

Home-based businesses operating on a small scale face many of the same risks as their larger counterparts. Third-party claims, and car accidents are examples of such risks. Therefore, business owners must purchase adequate insurance to protect themselves from losses. Some business owners might think that their homeowners insurance is enough to cover claims arising from their home-based business activities. However, this is a faulty assumption because most homeowners policies contain business-related exclusions and limitations. How Do I Insure My Home-based Business? As an extension of your home insurance, you can […]

26 August 2021 Massive Insurance and Financial Services, LLC. Category: Life Insurance

Smart Ways to Lower Your Life Insurance Rates

The importance of taking out life insurance cannot be overemphasized, but without careful planning, you may end up with significantly higher premiums. The following are some ways in which you can lower your life insurance rates. 1. Focus on financially sound companies Look around for the best insurance companies by reading online reviews and checking their ratings. Top-rated providers tend to have positive reviews from existing or former clients. For the best coverage plans, settle for a financially capable insurance provider. 2. Shop around to get a sense of the […]

12 August 2021 Massive Insurance and Financial Services, LLC. Category: Auto Insurance

What to Expect If Your Car Insurance Policy Lapses

A lapse in car insurance is the period when a registered car is without coverage. Like all types of insurance policies, car insurance requires the policyholder to pay premiums. Premiums are payments made in exchange for coverage of your vehicle, should any damages or losses occur. These payments are made periodically, usually monthly, to the insurance company. Failure to keep up with payments can lead to a policy cancellation, leaving you without coverage. Other reasons why your auto coverage could lapse include deployment, you no longer drive, etc. Most insurance […]

22 July 2021 Massive Insurance and Financial Services, LLC. Category: Renters Insurance

5 Factors That Influence the Cost of Renters Insurance

Renters insurance offers protection for your personal property and liability if there’s damage such as a fire or loss from theft. It also covers the expenses that might accumulate from your temporary stay away from home during repairs. It is a very affordable policy compared to other types of property insurance like homeowners insurance or auto insurance. The price of your renters insurance premium is determined by how much coverage you buy, what kind of building you live in, and your ZIP code. What Influences the Cost of Renters Insurance? […]

Understanding Pros And Cons Of Collision Coverage

8 July 2021 Massive Insurance and Financial Services, LLC. Category: Auto Insurance

Understanding the Pros and Cons of Collision Coverage

Getting a new car is a big investment. One of the ways to protect that investment is with car insurance. One type of coverage that you can choose is what is known as collision insurance. Although it is not required except on certain occasions, collision insurance has its benefits. Here is a closer look at collision insurance to help you make an informed decision on whether to include it in your coverage. Collision Insurance This type of insurance covers your vehicle in the event of damages due to an accident […]

24 June 2021 Massive Insurance and Financial Services, LLC. Category: Health Insurance

How to Cover Healthcare Costs Post-Retirement

In most cases, your healthcare needs may increase as you approach retirement. Therefore, it is important to prepare for healthcare expenses before you retire. It is advisable to calculate retirement healthcare costs as an annual expense instead of as a lump sum to make it easier. The estimates for retirement healthcare costs vary depending on the individual, the type of healthcare they need, and the type of insurance plan. Below are the ways in which you can cover healthcare costs post-retirement. Proper Planning You can prepare for retirement healthcare expenses […]

10 June 2021 Massive Insurance and Financial Services, LLC. Category: Auto Insurance

What to Expect If You File Multiple Auto Insurance Claims

An auto insurance policy helps protect you from unforeseen circumstances such as accidents, theft, disasters, or damages you unintentionally cause to other people’s property. If an incident occurs and the event has already been insured, you can file a claim, and your insurer will cover the damages. However, many people wonder if it is possible for an insurance company to drop coverage because of too many claims. In this article, we’ll explain how that works and what can happen if you file too many auto insurance claims. Understanding Multiple Claims […]

Tips to Build Productivity by Massive Insurance

20 May 2021 Massive Insurance and Financial Services, LLC. Category: Article Archives

Biohacking Tips to Build Productivity

Biohacking may sound strange but is simply about making changes to your external and internal environment so that you’re in control of your own biology. If you’re struggling to maintain your productivity, try these biohacking tips. Consider Meditation Meditation is an important biohacking practice. It helps to get our minds to a point of absolute focus on the things we consider worth our focus, which in turn boosts our productivity. People often have difficulty getting their minds into a meditative state. Thankfully, there are many apps available that can help […]

Assigned Risk Pools For Auto Insurance by Massive Insurance

6 May 2021 Massive Insurance and Financial Services, LLC. Category: Auto Insurance

Explaining Assigned Risk Pools for Auto Insurance

High-risk drivers usually experience difficulty finding car insurance. The risk of insuring these drivers is something most insurance companies are unwilling to take. It’s understandable because they can make claims that exceed their annual premiums in the long run, as a typical high-risk driver has had too many accidents and speed tickets. Insurance providers decline them any offer for insurance. Assigned risk pools for auto insurance are your last resort when other options fail. They offer the state’s minimum insurance coverage when other insurers turn you down. What Is an […]

22 April 2021 Massive Insurance and Financial Services, LLC. Category: Homeowner Insurance

An Overview of the Different Types of Home Insurance Premiums

While you likely feel great about your home insurance policy, you may not be aware of the benefits of premium policies. Premium policies provide extra coverage that allow you to enhance your home insurance. Generally, home insurance premiums are paid on a monthly or semi-annual basis. Home insurance premium costs depend on the type of coverage that you are looking for. Basic Home Insurance Coverage Your basic home insurance coverage protects your property and personal items. You are covered if the interior and exterior of your home are damaged. You […]