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

Car insurance policies can look different depending on premiums, deductibles and coverage limits, but all car insurance policies are designed to cover three certain areas.   A full coverage car insurance policy covers:  Liability  Property READ MORE >>

When insuring possessions on homeowners insurance, you have a lot of leeway to choose the limits you want. Yet, the thing about possessions insurance is that your coverage might restrict how much it will pay for items of value, like your electronics. READ MORE >>

Most health insurance policies don’t cover dental procedures, despite the fact that teeth and gums can have a direct impact on a person’s health. A lot of dental procedures, such as teeth whitening and braces, are seen as not medically necessary.   READ MORE >>

Business insurance is used in order to protect businesses from lawsuits and other losses that could have a large financial impact otherwise.   Required Business Insurance and Penalties  Business insurance requirements vary by state. Most states require businesses to carry a minimum amount of:  READ MORE >>

In today’s uncertain economic times, people are driving less. They also are trying to save as much as they can on expenses, including their auto insurance. You might feel tempted to let your coverage lapse if you no longer drive. However, that’s the wrong decision. READ MORE >>

n modern days, essentially no business is worth working for if they don’t offer a solid health insurance plan. Healthcare is expensive and insuring through your employer can often be the cheaper option.  There is no mandate stating that you have to purchase health insurance through your employer if you don’t want to, however. READ MORE >>

Simple Tips to Help Fireproof Your Home   House fires caused approximately $8 billion in property damage, more than 2,800 fatalities and more than 11,000 injuries in 2018. With people staying home more than ever these days, it is imperative to keep the property fire-safe. READ MORE >>

It only takes a small amount of water to cause a lot of damage in your home. Your homeowners insurance might provide help with cleaning up the mess and repairing damaged property. However, it will only do so for certain types of water damage. READ MORE >>

Something no driver ever wants to do is to hit an animal that strays into the roadway. This accident could cause a huge mess and damage your vehicle (and others if a chain wreck occurs). Not only that, there’s bound to be a fair amount of heartache if you are an animal lover. READ MORE >>

Health insurance has an unfortunate reputation for being expensive, but everyone needs it. It’s important for everyone to find the right health insurance policy for you and your family without paying too much for coverage.   Individual Health Insurance vs Family Health Insurance  READ MORE >>

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