Commercial umbrella insurance – a policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business. Commercial umbrella insurance provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements other […]
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Retirement is meant to be enjoyed without worrying about your retirement planning. Let Panichelle Insurance help you retire stress-free. What is a life insurance retirement plan (LIRP)? A life insurance retirement plan, or a LIRP, is a permanent life insurance plan that uses the cash value to help fund retirement. A LIRP is taking out
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We know having your home broken into is a traumatic experience. If you do however, experience a home thief, here are the steps to take with your insurance agency, so you can start moving forward as soon as possible. Step 1 – Call the Police The first thing you need to do before calling the
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You typically buy life insurance to protect those who depend on you for financial security. If you die prematurely, it’s your life insurance that can provide your loved ones with the ongoing income they’ll need to live on. However, your life insurance policy may also provide you (the policy holder) with certain living benefits that
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Powersports coverages are designed to protect riders of motorcycles, scooters, dirt bikes, ATVs, UTVs, personal watercraft, jet boats and snowmobiles. There are many situations and circumstances where you might need powersports insurance and not even know it. Benefits of Powersports Insurance Most products are transferable. Improved resale value. $0 deductible included or available on all
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Whether or not life insurance is a good investment for you depends on your individual finances as well as the length you’ll need coverage. Life insurance can cover loss of income, funeral expenses, debt and other financial needs that might come up after you pass away. Once you sign on the dotted line and start
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You’ll find out when renting a car, car rental companies desperately want you to buy their insurance. For some drivers, rental car insurance is a necessity. For others, it’s a redundant expense. Here’s what you need to know before you shell out for car rental insurance on your next vacation. First, you should always check
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Have you ever wondered about the differences between homeowners, renters and condo insurance? In some ways, they’re similar, and in many ways there are significant differences. Homeowners insurance is for those who own their home or apartment, and it covers both the structure of the home and their personal belongings. Renters insurance is purchased by
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Renters Insurance Compared to Homeowners Insurance Are you considering purchasing a home for the first time? Or maybe you’re downsizing, selling your home and moving into an apartment? Whether you’re a renter becoming a homeowner, or a homeowner becoming a renter, you have a lot to think about. As far as insurance is concerned, be sure you
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Purchasing a home is one of the major milestones in your life, and one of the biggest investments you’ll probably ever make. So once you make that investment, you probably want to protect it with home insurance. Homeowners Insurance and How it Works Homeowners insurance provides financial relief if a covered event damages your home,
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