Whether you’ve gotten into a fender bender or totaled your car, accidents are scary. No matter the cause – weather and road conditions, irresponsible driving behavior, or something unforeseen – you should be prepared for any possibility. Even the most…
You are at the car rental counter ready to embark on a great fun filled vacation and the sales persons asks if you would like to purchase their insurance. You are thinking about the beach and not your car insurance.…
Well before the frigid weather hits, you should have a winter emergency plan in place in case of a prolonged power outage. Even the best plans have flaws and your home pipes freezing may be one of them. If you…
What is an Umbrella Insurance policy? Contrary to popular belief, umbrella coverage isn’t just for the wealthy. In fact, umbrella coverage makes a lot of sense for almost everyone. It’s that extra layer of coverage that protects you from unexpected…
Does your home insurance have a separate Hurricane Deductible?? With Hurricane season in full swing you should know what type of deductible you have! I have companies who do not require a separate deductible for hurricanes or wind and…
Life Insurance can help keep your financial commitments to your loved ones after you are gone. The best type of life insurance to have is the kind that provides the right amount of protection at the right price. In many…
I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…
I was recently asked this question by one of our Arruda Insurance Agency clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of…
Why do my auto insurance rates keep going up even though my car is getting older? At Arruda Insurance Agency, many of our clients ask this question so I would like to address it from a couple of angles. First…