Why You Need Renter’s Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

A homeowner’s insurance policy protects those who own their own house in the event of a tragedy, theft, or any other unforeseen incident.  Those individuals who rent instead of owning a home, renter’s insurance exists to offer the very same protections.  People whom of which live in apartment buildings are not usually required to have insurance, though in many cases it is a very good idea to have it. The owner of the building may have an insurance policy which offers some protection in the event of fire or theft, but that policy will not cover one’s personal belongings. Renters who possess valuable belongings should consider purchasing a renter’s policy in order to protect themselves. In this post, Long Island Insurance Executive, Gregg S. Marcus http://greggmarcus.com/about/ explains the importance of renter’s insurance and the options available for purchase.

Most renters will indeed require an insurance policy. Financial compensation is given in the event personal belongings are destroyed, stolen, or damaged in any way shape or form.  Renters may have inexpensive items that can be easily replaced. And other renters may just simply not care about having to spend extra money to replace their belongings in the event of an accident, although this group of renters tends to be a small one.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

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Easy Ways to Save Money on Auto Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

Many individuals wonder if prepaying all or part of the auto insurance bill can save you some money, the simple answer is yes. Especially if your company gives a discount for this activity as most insurers do. You may be wondering what it exactly means to prepay your bill and how to be sure that your company offers this service. Prepaying your car insurance is essentially self explanatory. You are to pay in advance all or part of your premiums for a given period of time. Most commonly car insurance is billed in six month premium installments. In this post, Long Island Insurance Executive, Gregg S. Marcusexplains thoroughly how you can save money by simply prepaying all or part of your auto insurance premium.

The auto insurance industry has come to the conclusion that a six month time period is the prime amount of time that allows for two things to occur. Initially they have far less work to do accounting wise which makes the company eligible to cut overhead, being that premiums are paid twice a year. And secondly, six months is a short enough time to sweep the DMV’s records on a regular basis and adjust premiums whenever appropriate.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


Car Insurance Coverage: Do You Have Enough?

Here is an excerpt from a new blog post at GreggMarcus.com:

After you have an accident it is not the time to find out if you have enough car insurance coverage. Most of us don’t spend a lot of time pondering whether or not we carry enough car insurance coverage. When you originally purchased your policy, whether online or in person through an agent, you probably just made the assumption that your previous coverage was enough and rolled them all into your current policy. In this post, Long Island Insurance Executive, Gregg S. Marcuswill explain how to analyze your current car insurance plan and determine whether or not you have a suitable amount of coverage.

With the popularity of buying insurance online you risk the danger of carrying to little insurance which becomes a reality for many consumers. Buying car insurance without a complete question and answer session with an insurance professional or at least a company representative over the phone is not a wise choice. As you get older so does your car insurance policy. With age generally comes more assets and financial responsibility. If you still have the low liability limits that you had at a younger age, then it may be time for a thorough review of your situation to determine if you need more adequate insurance coverage.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


How Do I Insure My New Business?

Here is an excerpt from a new blog post at GreggMarcus.com:

Insuring a new business can be a quite stressful process, though with some help it is not too grueling. Business insurance itself is far different than your homeowner’s insurance in the way that it is purchased and the protection offered. It is important to look at the coverage options available to your business. Most new business should consider the basic coverage available to best protect themselves. In this post, Long Island Insurance Executive, Gregg S. Marcuswill explain how one should go about insuring their new business and what types of coverage vary from one company to another.

The basic types of coverage available are property insurance, general liability insurance, casualty insurance, and commercial vehicle insurance. Property and casualty insurance together will protect most of the hard assets of the business such as your furnishings, equipment, and computers. Liability insurance on the other hand will protect your company against a claim made by any other business. If you have employees when you begin your business you are going to need to acquire a form of workers compensation insurance as well.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


Adjusting Your Homeowner’s Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

It is true that your insurance portfolio is quite similar to maintain an automobile. You need to regularly get a tune up and change your oil such that with an insurance policy, as life changes you are required to make certain tweaks and adjustments to your policy. In this fluctuating real estate market you many need to adjust your coverage prior to a claim, otherwise instead of saving money you may find yourself with a claim not covered by your current policy. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain why it is proper and necessary to adjust your homeowner’s insurance policy.

The personal property coverage or contents coverage for a homeowner’s policy is a default percentage of the dwelling. Discuss this limit with your agent as it compares to the appraised value or market value of your home. Many people hold policies that have not been reviewed in a number of years which results in an insufficient dwelling value. The worst possible time to learn of your homeowner’s insurance being insufficient is of course in the time of a claim. It is not your agent’s responsibility to make sure you read your policy.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


Buying Auto Insurance for a New Driver

Here is an excerpt from a new blog post at GreggMarcus.com:

Purchasing auto insurance for a new driver can be an arduous and stressful situation to be in. it is true that most insurance companies will offer policy options for new drivers, the rates they charge are some of the highest the law will allow. New drivers face a number of obstacles when searching for car insurance. It goes without saying that in order to find reasonable coverage at an affordable rate, a new driver with the help of their families should take the time needed to investigate and attain the best policy out there. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain what insurance is best for a new driver and how to go about achieving the lowest rates possible.

It is obviously best to shop comparatively, a broker can assist you in eliminating many companies that do not offer new driver friendly policies and will help to compare and contrast the best plans out there for you at your own personal budget, while also exploring other ways to facilitate saving money on your insurance premium. The golden rule in the insurance industry is of course the higher risk the more you will pay for your insurance premiums. This is true in all insurance areas but even more relevant in regards to auto insurance.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.


Tips for Finding and Insuring a New Apartment

Here is an excerpt from a new blog post at GreggMarcus.com:

If you are searching around for a new apartment, there are many options for finding a nice place, though you must be willing to do a bit of legwork. As with most things in life the more hard work you put in to researching, shopping and previewing the better your chances of finding a great place to live. In this post, Long Island Insurance Executive, Gregg S. Marcus  will explain the best ways to go about searching and properly insuring a new apartment and lay out some helpful tips regarding the apartment hunting business.

You need to first give yourself plenty of time to do an adequate search for your new residence. You should be well aware of your moving time frame. There should be absolutely no reason that you do not spend a few months shopping for places to live. A recommended time to start looking is two or three months prior to your current lease ending, before you know it, you’ll have to relocate for one reason or another.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.