The more assets you have, the more coverage you need. With the current climate in litigation, people will not sue you for what you did, but for what you have. Your agent will be able to determine the right amount of coverage for you at a premium you can afford.

Life insurance is for your family and loved ones. Typically, people purchase life insurance during major life events: marriages, births, buying new homes, and retirements. If you have someone in your life who depends on your income, then life insurance may be right for you.

Workers Compensation is an insurance that companies are required to have; this coverage pays a worker who is injured on the job so that even while that worker is healing, they can still receive a portion of their wages.

On the corporate side, workers compensation goes through an audit process annually and must be managed by the company, even if the benefit is paid for through payroll.

Currently most insurances do cover Covid testing at no cost to the insured. Always double check with your carrier to be sure, and bring your insurance information to the testing site.

While surety bonds and insurance serve similar purposes-- to protect the person covered-- they are distinct in their use. A surety bond is a promise that a person, often times a professional, will do what they are bound to do.

Your agent will be able to determine if your business needs a surety bond, insurance, or both.

Renter's insurance protects your possessions and appliances in the event of a catastrophic loss like a fire. While your landlord is in charge of roof leaks, foundation cracks and window panes, he is not responsible for your furnishings, wardrobe or technology. Be sure to discuss your belongings and collections with your agent to ensure your coverage is sufficient.

If you're between jobs and are in need of health insurance for a season or two, short term health may be right for you. You may also be entitled to COBRA, or other programs for your health needs.

Your homeowners insurance premium depends on past losses, your zip code's susceptibility to flood and fire, your deductible amount, past lapses in coverage, how soon in advance you got a quote before issuing the policy, the age of your home and whether you have made renovations to it in the past, and your credit score.

Some of these are easy to control, and some of these are not. To find out why your homeowner's rate is the way it is, give Tobin Insurance a call to speak with an agent today.