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Merging Your Finances After Marriage? Find Out What You Need to Know

Learn about how to best merge your finances when getting married with these tips.

Getting married is an exciting time in your life. As you embark on this journey with your partner, it’s important that you have the tools that you need to build a solid foundation, starting with your finances. When you get married, it’s important to think about money. Find out how to merge your finances with these tips.

Understanding Different Backgrounds

When merging your finances, it’s important that you discuss where each partner is coming from financially. Discuss your debts and your assets so that you’re best able to understand your financial situation as a couple. That way you’re able to determine how to plan for your future.

Create a Budget

Different people have different money habits. When you get married, you’re no longer responsible for just yourself. Your financial decisions now have an impact on another person. One of you may be a big spender while the other may be a bit more frugal. It’s important that you’re both on the same page when it comes to your finances. Create a budget together so that you can better manage your money as a couple.

Talk About Money Often

Money is often something used on a daily basis, and over time, your financial situation may change. Check in with one another regularly to see how your money habits are working. That way you foster open communication and you’re better able to stay on the same page when it comes to money, making merging your finances a lot easier.

When it comes to marriage and your finances, it’s important that you’re well-prepared. Use these tips to help you merge your finances. When getting married, it’s also important to think about your insurance coverage. Invest in the right policies to protect your family. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Get the Insurance Coverage That You Need with These Homeowners Insurance Review Tips

Protect your home with the right homeowners insurance coverage.

When it comes to your home, it’s important that you invest in the right homeowners insurance coverage. Life is unpredictable and sometimes accidents happen. From damage due to natural disasters to property loss during a home burglary, your coverage gives you the protection that you need to keep your home secure, inside and out. Sometimes, however, you outgrow your coverage. It’s important to review your insurance policies so that you can adjust your coverage to meet your needs. When it comes to your homeowners insurance, check out what you need to know about reviewing your policy.

Review Any Home Updates

It’s important that you have enough home insurance coverage to rebuild your home from the ground up. That way you can avoid any costly coverage gaps. If you’ve made any changes to your home since you last reviewed your coverage, consider adjusting your homeowners insurance coverage so that you have enough to rebuild your home.

Update Your Home Inventory

Your home insurance gives you coverage for personal possessions. However, depending on how many valuable items you have, you may want to invest in valuable item protection. That way your most prized possessions are insured. Conduct a home inventory so that you know what you need protected.

Evaluate Supplemental Coverage Needs

While your homeowners insurance provides you with comprehensive coverage, it doesn’t protect your property from everything. Evaluate your risks that aren’t covered under your current policy, and invest in supplemental policy endorsements. From flood coverage to home business protection, consult with your independent insurance agent for assistance with your insurance coverage. That way you can rest easy knowing that you’re protected.

When it comes to your homeowners insurance, ensure that you’re getting the coverage that you need. Review your policies annually so that you can rest easy knowing that you’re well-protected. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Check Out These Mental Wellness Tips to Help You Find Balance During Mental Health Month

Learn how to improve your mental health for Mental Health Month.

Good health is a necessity when it comes to living a long, fulfilling life. Often when it comes to getting healthy, you think of ways to be physically fit, however, there’s more to good health than physical health. Mental health is an important part of your overall well-being. Things like stress can take a toll on your mental health. May is Mental Health Month. Help to take control of your mental well-being with these tips.

Manage Stress

When it comes to keeping your mental health under control, it’s important that you keep stress in check. Too much stress can lead to serious health issues such as anxiety and depression. From meditation to yoga to mindfulness, find ways to help you manage your stress.

Be Kind to Yourself

Too much criticism will have negative effects on your mental health. Ensure that you make your mental health a priority when you give yourself a little leeway. Be kind to yourself and quiet any negative thoughts. When you have a more positive outlook on life and a more positive self-image, you’re better able to improve your mental well-being.

Mix Up Your Routine

When you’re stuck with the same routine day after day, you get a little bored. Help to keep your mind engaged by mixing up your routine. From trying a new fitness class to taking a trip to eating at a new restaurant, there are lots of ways to add a little excitement to your life. In turn, you’ll help to better your mental health.

Find out what you need to know about finding balance and keeping your mental health in check. Give yourself the gift of peace of mind with the right insurance coverage. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Find Out What You Need to Know About Life Insurance with These Facts

Determine what you need to know about life insurance so you can protect your family.

Keeping your family safe is a top priority. Ensure that they’re well protected, even when you’re not around, with the right life insurance policy. However, with so many policy options, choosing the right coverage for your family can be difficult. Learn about the life insurance basics with these facts. Here’s what you need to know.

About Life Insurance Coverage.

Life insurance is an insurance policy that gives your family financial benefits in the event of your passing. Under the insurance agreement, you pay a monthly premium, and in exchange, your family gets the coverage that they need. It’s important for your family’s planning so that they have the right financial resources to get back on their feet.

Types of Life Insurance.

There are various types of life insurance. However, there are two main categories. Term life insurance is a policy that offers great benefits at an affordable price. However, there’s a set time limit how long your coverage lasts. Whole life insurance offers benefits for life, and they build cash value, but these types of benefits tend to be more expensive.

Determining Coverage Limits.

Once you decide on the type of policy that you want, you must determine your coverage limits. The amount of coverage that your family needs depends on what they plan to use it for. To cover funeral costs, you don’t need as much coverage as you do to replace an income. Calculate the funds that you would need, and adjust your policy limits accordingly.

When it comes to keeping your family secure, it’s important to invest in the right life insurance policy. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Find Out How Using an Independent Insurance Agent Can Benefit You and Your Wallet

Learn how your independent insurance agent can help you get the right insurance coverage.

When it comes to your insurance, it’s important that you choose the right coverage at the right price. However, fending for yourself when it comes to searching for the right policies can be difficult. Help to make the process as easy as can be with help from an independent insurance agent. Find out how an independent agent can assist you in finding the perfect policies for your needs.

Compare and Contrast.

When buying any insurance policy, it’s important that you shop around so that you know what’s out there and so you’re best able to find the right policies. However, searching through so many policies is time-consuming and confusing. Make the process as easy as can be when comparing policies from different carriers with help from an independent insurance agent. They’re independent, and therefore can give you unbiased options so that you can make the best choice for your needs.

Straightforward Answers.

Insurance is a complex investment. Deciphering what coverage you need from excess coverage is difficult. Get unbiased answers to all your insurance questions when your consult with an independent insurance agent. Plus, they can help you customize your policies so that you’re getting the best protection for your needs.

Claim Assistance.

Often when you buy insurance, your provider is less than helpful when it comes time to file a claim. However, with an independent insurance agent, you get the assistance that you need after a disaster so that you can get your life back in order as soon as possible.

When it comes to your insurance, it’s important that you have the resources that you need to get the right coverage. Consult with your independent insurance agent to get the best insurance coverage. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Find Out About the History of Easter Eggs and The Best Tips to Decorate Them

Learn all about Easter eggs to help you celebrate the holiday.

Spring is here, and it’s time for Easter. With traditions centered around bunnies and eggs, there’s lots to celebrate when it comes to Easter. Get into the spirit of the holiday by learning about and designing Easter eggs. Here’s what you need to know.

History of Easter Eggs.

Eggs represent the coming of spring and new life in many cultures. In fact, the modern tradition likely has roots in former pagan traditions. However, the Easter egg has come to be a staple in the Easter holiday. There’s even an Easter egg hunt and egg roll on the White House lawn! From decorating eggs to egg rolls, these eggs have become part of the holiday fun and the welcoming of spring. Participate in the holiday fun, and decorate eggs with your loved ones.

Egg Decorating Ideas.

  • Decals. Make egg decorating as simple as possible by applying decals on the eggs. Dress them up for an elegant centerpiece or use stickers so that your kids have fun decorating.
  • Animal Easter Eggs. Jazz up your Easter egg designs by decorating your eggs to look like farm animals. From chicks to cows to lady bugs, get creative and decorate with your kids.
  • Speckled Eggs. Give your Easter eggs a spotted look. Take food coloring along with dry beans or uncooked rice and mix together in a cup. Next, add the hard boiled egg and shake gently.

Ensure that you’re ready for Easter with Easter egg fun. But, don’t keep all your eggs in one basket, ensure that you’re well protected with the right insurance. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Learn How to Take Care of Mold Growth in Your Home with These Tips

Find out how to take care of mold and mildew in your home.

Keeping your home and your health in great shape are top priorities. However, there are various dangers lurking in your home. When it comes to your health and safety in your home, it’s important that you’re wary of your risk for mold and mildew. Mold loves damp areas where it can flourish, and unfortunately, your home is full of moisture. Check out these tips to help you prevent mold growth in your home.

Check Your Home’s Drainage Systems.

When it rains, it’s important that water is carried away from your home. When water gets trapped, you have an increased risk for mold growth. The more effectively your home’s drainage systems work, the better off your home.

Inspect Your Home’s Plumbing.

A leak in your home’s pipes can lead to all sorts of disaster. Water damage left behind can leave your home susceptible to mold growth. Ensure that you are vigilant about your home’s plumbing. Inspect sinks and exposed pipes and keep an eye out for any unusual activity when it comes to your water usage.

Be Conscious of Humidity.

When it comes to your home’s humidity, it’s important that you err on the side of caution and keep it low. Humidity in the air can lead to mold growth in your home. Keep your thermostat set at optimum temperatures so that you’re best able to reduce humidity and condensation in your home. It’s also a good idea to invest in a dehumidifier so that you’re better able to reduce the humidity in your home.

When it comes to taking good care of your home, ensure that you take care of any mold problems. For added protection, invest in the right homeowners insurance. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Determine What You Need to Know About Your Small Business Insurance

Get the right business insurance coverage for your business.

When it comes to your business, it’s important that you have the tools that you need to protect you. From property damage to a liability lawsuit, it’s important that you have business owners’ insurance. That way you can rest easy knowing that you’re safe from harm. Check out these helpful ways in which your policy helps to keep you well protected.

Cyber Liability.

In today’s digital world, data breaches and the liability consequences are a serious threat to your business. Ensure that you’re well protected with the right insurance policy. Depending on your policy, cyber liability coverage can help you to respond to attacks and defend yourself from lawsuits. This type of coverage is a must when it comes to your business.

Business Interruption.

Life is unpredictable. It’s important that you prepare your business for the unexpected. When it comes to getting the right coverage for your business, ensure that you have the right business interruption coverage. That way if you’re forced to take some time away from your business, you can get back on your feet in no time. With coverage to help you pay the rent and employees, you can stay afloat until you reopen your doors.

General Liability Coverage.

When it comes to keeping your business as safe as can be, it’s important that you have the right liability coverage. General liability helps to protect you from a wide range of issues. If your business is sued for issues of liability from libel to copyright infringement, you have the coverage that you need.

Learn all about how your business insurance policy helps you to protect your company. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Set Your Clocks Forward! It’s Time for Daylight Saving Time

Learn all about Daylight Saving Time so that you can be ready for the change.

Spring is almost here, and it’s time for Daylight Saving Time. Get ready to turn your clocks forward, on Sunday, March 12, 2017. We’ve become accustomed to this process throughout the years. It helps to give us more daylight during the summer months, but have you ever wondered how the tradition began? Check out these fun facts about Daylight Saving Time and don’t forget to “spring forward.”

Ancient History.

Despite its relatively recent history, Daylight Saving Time isn’t something new. It’s a tradition that spans back to early civilization. As the seasons changed, it was important that you had enough light to get your work done. Therefore, work was adjusted with the sun.

Modern History.

When it comes to the modern use of Daylight Saving Time, we have World War I to thank. The practice began in Germany to try to help save energy during the war. After the war, the practice was put to rest, but it resumed during World War II for similar reasons. It wasn’t until Lyndon B. Johnson was president that the practice was implemented during peacetime under the Uniform Time Act.

A Worldwide Practice.

Daylight Saving Time is used throughout the world. However, not everyone uses Daylight Saving Time. Under the Uniform Time Act, states had the option of opting out of the practice. States such as Arizona and Hawaii stick to standard time year round.

Set your clocks forward for Daylight Saving Time. As you reset your clocks, reset your insurance coverage. Review your policies so that you can ensure that you have the right coverage. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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Avoid These Insurance Misconceptions so You Get the Right Protection

Get the right insurance coverage by clearing up these common misconceptions.

When it comes to your insurance, it’s important that you get the right coverage for your needs. However, sometimes your coverage is hindered by insurance misconceptions. Debunk these insurance myths so that you’re best able to get the coverage for your needs. Check out what you need to know about these common mistakes.

Myth: I don’t need rental coverage if I have auto insurance.

While your auto insurance policy will give you some coverage when you drive another vehicle, it’s important to read the fine print. Every policy has limits. If your policy only covers liability, you’re responsible for repairing any damages to the rental car. Additionally, you may be liable for things that your insurance doesn’t cover. When renting a car, ensure that you play it safe and get the right rental insurance.

Myth: I’m covered from all disasters under my homeowners insurance.

While homeowners insurance is a great tool to protect your personal property, keep in mind that it comes with limitations. You’re only covered for certain perils under your policy, not all disasters. So, should you have flood damage, for example, you’re not covered under your policy. Make sure that you have the right coverage for your home so that you’re not left with a disaster to clean up.

Myth: I don’t have to worry if I have umbrella insurance.

Umbrella insurance is a great way to boost your personal insurance coverage. That way, if you exceed your limits on your home or auto policies, you have the added protection that you need. However, an umbrella policy isn’t bulletproof. Your umbrella policy has limitations. Keep in mind that your umbrella policy is added protection– you must first exhaust your first option. Additionally, it protects you from liability. It doesn’t give you coverage to repair damages to your property.

When it comes to your personal insurance, ensure that you haven’t succumbed to any misconceptions. Ensure that you’re getting the coverage that you need. Contact the professionals at Kosich Insurance for help finding the best insurance policies. Make sure you have the right coverage for your lifestyle in Clearlake, Lafayette, Ukiah, and throughout California.

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