Life insurance is a gift that never goes out of style, even if you don’t tie it up with a bow (but you could!). Life insurance is quickly becoming the preferred option for individuals looking to give—or receive—a present that will last a lifetime. More and more individuals are selecting presents that may provide a…

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When a beloved pet becomes ill or wounded, the owner is forced to make difficult decisions while dealing with a great amount of stress. Managing the expenses of a pet’s sometimes-lifesaving care exacerbates an already tough situation. That’s where pet insurance comes in. Why should you get pet insurance? Even for a young pet, it…

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While many firms do not provide smoker’s life insurance, Panichelle Insurance may be able to assist you in finding coverage at affordable prices for smokers. In comparison to candidates who do not smoke, you may not be provided the lowest prices if you smoke. If you’re looking for life insurance for smokers, there are options…

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You might question, “Is my house insurance still valid if I don’t have documentation that my chimney is properly maintained?”. If something goes wrong with your chimney or fireplace, the answer is no. It’s unlikely. Many insurance policies state that your chimney and fireplace are only covered if they are kept in good working order.…

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Is a Power Outage Covered by Home Insurance?

Power outages may range from annoying to catastrophic. A protracted power outage might leave you with ruined food in your refrigerator and freezer. Your home insurance may pay up to a specific amount to assist cover the cost of perishable products like meat, vegetables, and milk if you ask for it. Alternatively, it may not…

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Is Life Insurance Taxable?

One of the most appealing aspects of life insurance is that the payout is tax-free to your beneficiaries. It’s a huge advantage to acquire (and receive) life insurance because death payouts can be in the millions of dollars. However, there are several components of life insurance that will not be taxed. When is a life…

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We all want our children to live long and healthy lives, which is why child life insurance may not be a top priority for you. It’s worth considering, though, because it may lock in cheap rates and serve as a vehicle for your children’s investment. What is child life insurance? A child’s life insurance policy…

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For many students, especially those who are living away from home for the first time, starting college is an exciting time. During the summer, going through the checklist of dorm and apartment necessities, meeting roommates, and learning that, sure, some things will have to stay at home. However, students frequently overlook what would happen if…

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Grilling Safety and Insurance

Nothing defines summer quite like a barbecue/cookout with friends and family. Millions of Americans safely enjoy outdoor barbecues, but accidents do happen. Ensure trouble-free summer cooking fun by maintaining your grill, using it safely and knowing what to do in case of emergency.  According to the U.S. Fire Administration, about 5,700 grill fires take place…

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Pool Affects Homeowners Insurance

If you are considering either an in-ground or above-ground swimming pool, it’s a good idea to call your home insurance company first. The pool will likely have an impact on your homeowners insurance.  What You Should Know.  Pools present two insurance considerations – damage coverage and liability coverage. Damage protection helps repair or replace your…

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