Wednesday, May 31, 2023Traveling in an RV—without the hassle of airport security checks—is a favorite mode of transportation for many families. But before hitting the road, it’s best to set aside time to plan your trips in advance to help things go as smoothly as possible. Here are some questions to ask when planning RV travel. READ MORE >>
Tuesday, April 25, 2023Usage-based insurance (UBI) has become popular among various auto insurance companies over the past few years. An onboard device collects driving information and transmits it to the insurance carrier via cloud computing. Drivers also get access to the data, which can be used to improve their own driving habits. READ MORE >>
Thursday, March 16, 2023When you remodel, there's a chance you may see a change in your home insurance rates. If and how much they change will depend on what type of work you're doing. What Determines Home Insurance Rates When it comes to remodeling and figuring out how your home insurance rates might change, two factors come into play. READ MORE >>
Monday, February 6, 2023A death benefit is the amount of money a life insurance policy pays to the beneficiary if the covered party dies while the policy is in place. This is the amount you leave behind if you insure your own life. Life insurance is a unique type of investment. It helps cover your loved one’s needs if you cannot do so. READ MORE >>
Monday, January 16, 2023You probably keep all of your important documents—your birth certificate, social security card, diploma and transcripts—in a safe place, but have you documented your possessions so that they can be replaced if their lost due to a fire, flood, theft or other incident? READ MORE >>
Tuesday, December 27, 2022It’s essential to maintain health insurance coverage. These policies make the cost of health care much more affordable than it would be if you were to pay wholly out of pocket. However, health insurance isn’t free. You must pay your premium. If you don’t, you could lose your coverage. READ MORE >>
Wednesday, November 30, 2022If you own commercial real estate, it is essential to have the proper insurance in place to address the exposures associated with this type of property. The team at Heritage Agency: Real Estate & Insurance in Hermann, Missouri, has the knowledge and experience to help you analyze your risks and select the coverages that best address your needs. READ MORE >>
Wednesday, October 26, 2022How much you pay for your medication will vary, even if you have Medicare Part D coverage. That’s because every pill has a different value and use. How insurance companies pay for different drugs will likewise differ. This likely comes from the way Medicare’s prescription formulary pays. READ MORE >>
Monday, September 19, 2022Crop insurance often comes as part of a farm insurance policy to protect the unique risks faced by farms and ranches. At its simplest, crop insurance provides compensation to the farm if crops are lost or destroyed due to certain incidents. Covered incidents often include: READ MORE >>
Monday, August 15, 2022While many life insurance policies exist, there are two main types of policies. Your first decision when purchasing a policy is to choose whether you wish to buy term or permanent life insurance. But what’s the difference between these types of coverage? Term Life Insurance Policy READ MORE >>
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