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PersonalHub

Your one-stop resource for everything related to your financial well-being. 

 

Recent Posts

Preparing for Catastrophic Disasters

With a warmer winter than previous years, experts are predicting a busy 2017 hurricane season. Preparing for Catastrophic DisastersBesides hurricanes, other natural disasters such as severe thunderstorms, windstorms, hail, tornados, flooding, and more contributed to a 32% increase in insurance losses in 2016, according the Insurance Informational Institute

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Say What?! 10 Things You May Not Know About Auto Insurance

When it comes to selecting auto insurance, sometimes it’s just easiest to go with the company your parents use, a friend’s recommendation, or the company with the catchy commercial jingle. However, since insurance companies have different rates and coverage options, these really aren’t the best ways to decide what carrier and coverage are best for you. Shopping around is essential to getting the proper coverage and service you need at a price that fits your budget. Since not every insurance agent will give you in-depth information on their available coverage options, it’s important to be aware of these little-known facts prior to purchasing an auto policy.

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Save Money on Your Teenage Driver's Auto Insurance

If you’re already complaining about your teen's extracurricular expenses, then you don’t have a 16-year old who’s about to get their license and start driving. Not only does the expense of purchasing an additional vehicle come to your mind, but the added expense of an auto insurance policy probably gives you a little anxiety as well. While teens are considered a higher-risk, it doesn’t mean you will have to break the bank when purchasing an auto insurance plan. Here are few tips and tricks you can do to help save some money.

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5 Hazards that Could Make Your New Home a Riskier Investment

When purchasing a new home or property, there are many things to consider beyond price, location, and square footage, particularly if it’s a vacation home near a flood zone or the coastline. These picturesque homes that check all your “want boxes” have more considerations to be appreciated.

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Recovering from Flood Damage: A How-To Guide

Anywhere it rains, it can flood. In fact, 20% of flood claims come from places where flood risk is low [Click to Tweet!]. A flood can be caused by hurricanes, overflowing levees, outdated or clogged drain systems, and rapid accumulation of rainfall. Flooding is the most common natural disaster in the United States, causing $3.5 billion in losses between 2005 and 2014, according to the National Flood Insurance Program (NFIP), a government-sponsored organization that provides flood insurance to homeowners. 

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Are You Prepared for a Flood? [Infographic]

A lot goes in to protecting your home and family finances. Of course, homeowners insurance is at the top of the list, but did you know homeowners insurance does not cover damage due to floods, the #1 natural disaster in the U.S.? To cover flood damage, you must purchase a separate flood insurance policy.

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What Factors Impact Your Car Insurance Rate?


Like the Bermuda Triangle, the Sphinx, and the island of Atlantis, the way that car insurance rates are calculated is one of life's great mysteries. There are many factors that go into determining your individual rate, including the type of coverage you choose and your desired deductible, but there are also other variables—some that may be beyond your control—that influence your premium rates. You've most likely been paying for car insurance for years, and perhaps you've never put much thought into how your carrier arrived at your specific rate, so today, we'll dive into some of the variables.

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Ride Share Programs: The More Realistic Threat Drivers Are Facing

Ride sharing programs like Uber and Lyft have caught the attention of many. Mobile technology has, literally, changed the face of ordering a quick ride for a low fare.  For drivers, the pros of creating your schedule, being your own boss, and meeting new people may seem like the ideal way to earn some quick cash on the side. But, not so fast! There may be more to the story than meets the eye.

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Cut Your Home Energy Costs [Infographic]

I bet you didn't know it, but jan. 10 was National Cut Your Energy Costs Day. There are many benefits to cutting our energy costs—both for Mother Earth and for your pocket book. When it comes to your home, there are numerous ways to reduce energy usage and costs, including the obvious things like turning off the water faucet when brushing your teeth, only running the dishwasher and washer and dryer with full loads, and doing regular maintenance on major appliances such as the refrigerator, dryer, and HVAC systems to ensure they are running efficiently.

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4 Ways to Save on Insurance

When you think of the word insurance, what words come to mind? Reassurance? Peace of mind? Protection? Insurance is a lot like a safety net. You hope you don’t have to use it, but if something unexpectedly happens, you know it’s there to catch you. Now, let’s be honest—nobody really likes to think about it—especially when it comes to the cost. But, it’s still an important necessity you can’t afford to skip.

Luckily, a number of options exist to help maximize your savings, while ensuring you get the best coverage for your situation. Check out these 4 ways to help you save on insurance.

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