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

Home insurance premiums seem elusive until you discover what, exactly, makes them raise or lower year by year. There are many factors which an insurer may use to calculate your home insurance premiums. One of these is your location and, specifically, how close you are to a fire station.  Why? READ MORE >>

When you buy life insurance, you probably have an idea in mind about where you want your policy to go. You might want to use it as a vessel to provide money to loved ones for specific purposes. As a result, you might only want your coverage to last for a certain number of years. READ MORE >>

When you purchase a new car, you are generally issued a requirement by the lender to carry a certain amount of car insurance. This requirement is issued to protect the lender’s investment in case an accident damages the car.  You must carry this insurance for as long as you are financing the vehicle. READ MORE >>

Getting the right business insurance for your company property might seem challenging, and one of the most critical items you want to protect is your computer systems. Still, you might not know whether your business insurance will cover these expensive and sensitive machines. READ MORE >>

Home insurance has a lot of confusing terminology, especially when it comes to the types of policies and how you can receive compensation. Replacement cost value, for example, refers to two areas: the total replacement cost value of your home, and a replacement cost value policy for personal belongings coverage. READ MORE >>

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 >>

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