Have you been thinking about remodeling your home? If so, you should take into consideration that remodeling can be extremely expensive. And truth is, many times, instead of remodeling, simply redecorating the home can be a great way to transform its looks for a fraction of the price that it would cost to remodel it. One of the best places to start redecorating is in your bedroom. After all, this is the room where you sleep and spend much of your time. Here is a quick look at three tips for redecorating your bedroom.

Tip #1: Cover the windows

The windows in your bedroom need to be covered. Whether it be with blinds or curtains or both, having them covered is especially important so that people cannot look in and see you sleeping or watch you change clothes. With blinds and curtains, you can open them so that natural sunlight will come in. But when going to sleep at night, make sure you close them.

Tip #2: Put the bed next to the wall

One of the simplest ways to make your bedroom more spacious is by placing it next to a wall. You will want to leave just enough room for you to be able to comfortably fit between the bed and wall because this makes it much simpler to make the bed in the mornings before you leave for work or start your day.

Tip #3: Hang a TV

Instead of having an actual TV stand in your room, hang the TV on the wall. This will add space to your bedroom. There are many types of TV wall mounts that are exceptionally easy to install.

To learn more about redecorating your room and home insurance, contact THINK Insurance & Financial Services serving the Pomona, CA area.

Commercial insurance, also called commercial general business liability, protects company assets and liability items, such as a customer’s medical bills if they’re injured on company property or by you or your employee. It may also cover attorney and settlement costs, if someone sues the company successfully, or if you, as a commercial tenant, cause damage to your landlord’s property, and against claims of libel, slander, false or misleading advertising, and/or copyright infringement. You may need additional coverage if the initial liability coverage amount is low. You can purchase commercial general business liability insurance separately or in a business owner’s policy (BOP) that also includes property insurance which covers damage or loss to real and personal property on business premises.

Two important items not covered by commercial insurance, employee travel, and commercial vehicles, require separate policies. You need auto insurance on each commercial vehicle your company operates. Just like the auto insurance you purchase for your personal vehicle, the level of coverage depends on your choice. Check with your state department of motor vehicles to find out the minimum coverage required, but it’s smart to go beyond that. Obtaining all coverages means carrying liability, collision, comprehensive, personal injury protection, medical payments, uninsured/underinsured motorist and rental reimbursement.

Your company may also need inland marine insurance. It covers both property in transit and other people’s property in your company’s possession – whether in a commercial vehicle, at your place of business, or in the possession of an employee.

Business interruption insurance covers lost income and company expenses resulting from property loss or damage. This applies to your place of business and vehicles.

Every business needs commercial insurance, but it doesn’t cover everything. Talk with THINK Insurance & Financial Services to determine the best coverage for your business.
 

If you own a home-based business, then you know how easy it is to mix your home and business life.  When your home shares office space with your business, it’s next to impossible not to.  Too often, however, business owners assume that they can use their home owner’s insurance policy to cover their business.

In fact, this is one of the most dangerous things you can do.  Many homeowner’s policies specifically exclude inventory and equipment used in a home-based business, and trying to make a claim on these items can invalidate your policy.  That means that in the event of a disaster, your business has no protection.

Similarly, it can invalidate a personal car insurance policy if the insurance company discovers that the car is being used for business purposes.  While one or two business errands is usually acceptable, a car that is primarily used for a business needs to have a separate insurance policy.

Fortunately, it’s possible to cover your home-based business with separate insurance that won’t break the bank.  These policies are written so that they are tailored to each business that they cover.  That means you won’t pay for coverage that you don’t need.  An insurance agent will review your business and identify needs that you have, such as insurance for a loss of inventory or a policy that can provide funds to make up for the loss of income after a disaster.

When you decide it’s time to buy a commercial insurance policy, call the agents at THINK Insurance & Financial Services.  They can help you find a policy that will protect your growing business while not breaking your budget.

It’s easy to be confused when it comes to life insurance. There are different types of policies, and those policies come in different amounts, making the whole process of selecting the best life insurance policy trickier. At THINK Insurance & Financial Services, we want to help you understand how to choose the amount of life insurance you need for your family.

Assess Your Financial Situation

The first step in purchasing life insurance is to determine what your current financial situation is for your family. You should take a look at your long-term goals, and your savings account to determine what assets you have that can be used towards your expenses, such as paying off your mortgage and funding your children’s college fund.

Determine Your Financial Gap

After you have an idea of where you are, you need to determine where you want your family to be financially if you were no longer in the picture. Do you want them to have a nest egg of $100,000? Would you like for your mortgage to be paid in addition to the nest egg of $100,000? You can determine you can determine your financial gap by subtracting where you are currently (a monetary figure) from where you want your family to be if you are no longer able to provide for them (a monetary figure).

Talk to Our Local Insurance Agents

Once you’ve determined the gap in your finances, it’s time to speak with a licensed insurance agent. One of our agents will take a thorough look at your calculations, discuss a few options with you, and present an insurance strategy for you. The strategy will take into consideration things like how much you make each year and your life expectancy.

When you are ready to review the options you have available for life insurance, start at our website. On our site, you will find information that can help you begin the process of purchasing the life insurance product that is right for you

Life insurance is important, because it protects your family’s finances in the event of your death. Especially for those who are the main breadwinner in their household, having life insurance can mean a much higher level of peace of mind. It can also help them focus on enjoying the time with their family and friends instead of worrying about money and the future. Having life insurance in Pomona, CA is not just about getting a policy, though. It is also about whether that policy is still the right one for you and your changing needs.

Over time a life insurance policy may need to be upgraded, so you can continue to properly protect your growing family, provide for additional loved ones, or keep up with inflation and other concerns. Doing that can mean a big sense of relief. When you are not sure about your policy and what changes it might need, working with your agent can help. That will give you perspective on what you really need to provide the right level of protection, and may also help with future decisions based on finances and risk. With the right agent, your life insurance policy will be everything you and your family need it to be.

By working with THINK Insurance & Financial Services, you will have the chance to talk with a knowledgeable Pomona, CA life insurance agent who can help you based on your individual situation. Whether you are thinking about getting a life insurance policy for the first time or you just want to see if the policy you have should be changed or upgraded in any way, working with a company you can trust matters. You will feel better about the policy you have, and your family will know they are protected financially if something should happen to you.