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View the latest blog posts from R&A Insurance, Inc.

When a car is "totaled," what that means is that your insurer has marked it up as a "total loss." That is, to repair the car would cost more than it would to replace it. So, what happens to a totaled car after you've filed your auto insurance claim? You Will Typically Retain Ownership of The Car READ MORE >>

Have you ever driven by an old abandoned factory or warehouse only to see a security car parked in the lot? The place may have no employees, nothing on the premises worth stealing, but they still have a security guard. That's because the presence of security means that the owners of the property are saving more money on insurance than they're paying for the protection. READ MORE >>

Do you realize that there are improvements you can make to your home that can make it safer, add value and potentially save you money on your home insurance premium? These are improvements every homeowner should consider when upgrading their homes. Here are some specific projects you could undertake that will provide a significant ROI. READ MORE >>

If you're like most drivers, you want to get the best auto insurance possible at the lowest price. Fortunately, finding a good and low-priced insurance plan doesn't have to be difficult. Read this article to learn about how to get affordable car insurance. 1. Claim Your Discounts READ MORE >>

Being an entrepreneur is no piece of cake. You are going out on your own, venturing into a new industry and the future is unknown. Many factors will contribute to whether your new business will be a success or not. One of those factors is whether you purchase comprehensive business insurance from the get-go. READ MORE >>

High value items will be covered under a typical home insurance policy, but not past a certain dollar amount, unless your policy includes special provisions. Different insurance companies may have different limits, but generally it breaks down something like this: $1,500 per item $3,000 for combined value READ MORE >>

When you buy a new home, you want to make sure it's within your budget. That includes not just the purchase price but also other ongoing expenses such as home insurance. What's the Average Cost of Home Insurance? The average cost of home insurance ranges from $598 in Delaware to $2,559 in Oklahoma. READ MORE >>

If you get a ticket for illegal passing, it could be a moving violation that puts points on your license and could lead to your auto insurance rate to increase. You know to follow the law, but when exactly is it legal and illegal to pass someone? Passing on the Left The rules for passing on the left are pretty simple. READ MORE >>

If you don't live in your home the entire year because it's your vacation home, you're a snowbird or you just like to take long vacations, you need to pay close attention to your home insurance. Living in your home part-time creates extra insurance risks, so you may need extra coverage. READ MORE >>

Generally speaking, if your vehicle doesn't have a motor, you're not legally required to carry insurance on it. This means bicycle, rowboat and even sailboat owners can choose not to carry insurance on their mode of transportation. Even trailers generally don't need to be insured, by law. READ MORE >>

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