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State Directory- Auto InsuranceNeed an instant quote? Branch Insurance offers home and auto insurance that’s simple to buy and built for savings. Get a quote now!
- Renters InsuranceMost people are not aware that their homeowners policy will not cover flood damage. Flood damage is excluded under standard homeowners and renters insurance policies. However, flood coverage is available in the form of a separate policy from the National Flood Insurance Program (NFIP). The NFIP provides coverage for up to $250,000 for the structure of the home and up to $100,000 for personal possessions. Most policies cost around $500 a year for low-risk areas.
- Home InsuranceSo, you are ready to make some bank on your house and turn your property into an Airbnb most wanted. Don’t assume your homeowner’s policy will cover your new short term rental venture. Your typical home insurance policy will not cover you as a landlord and if you have a landlord policy, it’s not comprehensive enough for what you need as an Airbnb or Vrbo host, so let’s break down what type of coverage you need and your best option for insurance.
- Landlord InsuranceCommercial homeowner’s insurance for vacation rentals vs. Homeowners and Landlord Insurance policies exclude “commercial activity”, which means any property or liability claim could be denied as the result of short-term renting your property.
- Life InsuranceYou’re young, carefree, and starting to learn all about the world of adulting. At this point, life insurance is just something for old people, right? You probably don’t spend too much time thinking about what will happen when you die. And who wants to, right? It's a somber subject. But what's worse is being unprepared. If you have a spouse, kid, an aging parent, or anyone in your life that depends on you, here are some things to consider on why it's a good idea to invest in life insurance while you’re young.
- Health InsuranceInsurance can be a bit confusing at times. Recently, I was shopping for health insurance coverage and even I got confused researching the plans with all the “fine print”. One of the more puzzling insurance options to explain is coinsurance. Today, I am going to review what it is and how it works.
- Disability InsurancePolicies not available in all states. Suicide, misstatements and misrepresentation restrictions will apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Availability of premium rates and policy forms may be changed by each insurer without prior notice. There is no guarantee that an offer for life and disability insurance will be made at the conclusion of the application process. Burgett & Ross is not an insurance company but acts as an agent representing numerous insurance companies. Burgett & Ross does not endorse any specific carrier.
- Dental InsuranceThe right dental insurance can make dental care easy and affordable. Finding the right dental plan to fit your needs is important. Dental insurance is designed to offer you coverage for common dental care issues and to help you budget for dental services at all levels, preventive, basic and major.
- Vision InsuranceVision insurance is designed to help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses.
- Business InsuranceIf you’re a dog walker, contractor, entertainer, landscaper, consultant or any profession where you provide temporary services, you can purchase short term insurance. There is no need to purchase a full business insurance policy if you are only providing services on a short term basis.
- Commercial Liability InsuranceGetting this type of insurance will replace your current homeowner’s policy or landlord’s policy. A short term rental policy will provide you with comprehensive coverage for the building, contents, commercial business liability, and business income. And, it also includes personal liability if the rental property doubles as your primary residence.
- Professional Liability InsuranceA Professional Liability policy protects your business in professional negligence claims and includes defense costs. Often purchased by businesses that provide professional services or advice, such as a consultant, independent contractor or freelance worker.
- Liability InsuranceIf you’re like me and want something that is both affordable and good coverage, then I suggest an amount that is in between the minimum and maximum. I typically recommend a policy starting at 100/300/100 coverage. With this amount, the insurance company will pay $100,000 for bodily injury, $300,000 for multiple injuries, and $100,000 for property damage. This is a good amount of coverage and is priced at a competitive rate. However, keep in mind, if you want to add an Umbrella Policy to your home and auto, you will be required to get the max amount of auto liability coverage, starting at 250/500/250.
- Travel InsuranceThere is always a feeling of anxiety when you travel. You get apprehensive before you leave about your flight, accommodations, and being able to acclimate in a new environment. Sometimes our thoughts drift off into worst-case scenarios creating even more anxiety. What if I get hurt when I’m in a foreign country? What if I lose my passport? What if I’ve paid all this money for my trip and I have to cancel? It’s perfectly normal to worry about these things happening, but wouldn’t it be nice to have a plan in place just in case something were to happen? That’s exactly why you need Travel Insurance.
- Pet InsurancePet insurance frees you from financial stress when choosing the best available veterinary care for your pet. With Figo...
- Wedding Event Protection[7:24] Wedding Insurance - What’s Covered. In this video I’ll explain what is covered on your wedding day and how much it costs to protect your investment on your big day.
- Flood InsuranceWe all remember the devastating floods of 2010. The torrential rains on May 1 and 2, 2010 resulted in a number of deaths and widespread property damage. At least 30 counties in Tennessee were declared major disaster areas by the federal government, an estimated 31% of the state covered in flood damage. It costs millions of dollars in property damage. And sadly, most people had no flood insurance.
- Earthquake InsuranceFlood & Earthquake Insurance - Your home policy excludes floods and earthquakes. Should your home be damaged or destroyed by either, you will not be covered unless you have added this coverage. These events are rare, but when they happen, they are often catastrophic.