Eagle First Insurance Services

Are you worried that the driver of the other car may come after you for their lost wages and medical bills? If you're at-fault for an accident and have bodily injury liability coverage, your policy should cover their claims.

Make sure you're receiving all the discounts for which you're eligible. For example, discounts exist for smoke detectors, deadbolt locks, security or fire alarm systems, fire extinguishers in the home, etc.

Providing security for your home in the form of deadbolt locks, smoke detectors or alarm systems can save 5 to 10 percent on the cost of a homeowner's insurance premium.

When does it pay for married couples to have separate insurance policies? While most couples see a savings on combined insurance policies, in instances where one spouse has a poor driving record separate policies may cost less than combined policies.

If you want a homeowner's insurance policy that guarantees you can replace your home or belongings regardless of changing market prices, you may want to consider a replacement cost policy.

If you finance your home through a mortgage, your lender will probably require you to purchase basic homeowner's insurance. This includes coverage against these risks: theft, fire and lightning, smoke, frozen pipes, ice, and snow.

Does a deductible still have to be paid for insurance coverage even if an accident is not a driver's fault? In most cases, yes. However, depending on the type of insurance coverage it may be possible to recover the deductible costs from the driver who caused the accident.

Many insurance companies offer a variety of discounts that can lower the cost of your homeowner's policy. Most insurers will charge less for your home insurance if you have other insurance policies with the company.

In addition to driving record, what are other types of factors which could affect insurance rates? In many cases, the driver's gender, age, marital status, credit rating and the type of vehicle which is being covered will also affect the cost of insurance coverage.

Finding the right homeowner's insurance policy for your specific needs is a must before you buy a home. The right policy not only helps you choose a home that suits your specific budget, but can also ensure you select one that keeps you and your belongings safe.

Bodily injury liability coverage covers the medical bills of others. If you're at-fault in an accident where others are injured, this will help pay the medical bills of the people in the other car.

Before pulling any equipment - including boats, trailers and RVs - it is a good idea to ensure that your policy provides full protection for this type of equipment. If you pull equipment regularly, advanced coverage may be needed.

When you purchase a home, it serves as a sanctuary for both you and your belongings. That is why it is so important to take measures to ensure your home's security and find a homeowner's insurance policy that suits your specific needs.