Blog | Bell Black Insurancehttps://www.bellblack.com/blogOur Latest Blogsen-USCopyright © 2024 Blog | Bell Black Insurance15649https://www.bellblack.com/blog/the-interplay-of-life-insurance-and-medicaid-eligibilityThe Interplay of Life Insurance and Medicaid EligibilityIn the intricate web of financial planning, two essential components often intersect — life insurance and Medicaid. While life insurance provides financial security for loved ones in the event of a policyholder's demise, Medicaid serves as a safety net for individuals with limited financial resources....2024-03-13T05:00:00.000+00:0015242https://www.bellblack.com/blog/7-essential-tips-about-car-insurance-for-first-time-buyers7 Essential Tips About Car Insurance for First-Time BuyersAre you a first-time car owner excited about hitting the road with your brand-new wheels? While the thrill of driving is undeniable, it's crucial to ensure that you're adequately protected with the right car insurance. The world of insurance can be daunting for newcomers, but fret not! Let's continue...2024-02-21T05:00:00.000+00:0015241https://www.bellblack.com/blog/4-mistakes-every-life-insurance-buyer-should-know4 Mistakes Every Life Insurance Buyer Should KnowLife insurance is a vital economic tool that provides a relaxed mind and financial security to your loved ones in the event of your passing. However, navigating the process of purchasing life insurance can be complex, and many individuals make common mistakes that could impact the effectiveness of their...2024-02-07T05:00:00.000+00:0015138https://www.bellblack.com/blog/navigating-the-need-for-workers-comp-when-self-employedNavigating the Need for Workers' Comp when Self-EmployedIn the self-reliant world of the gig economy, where self-employment is on the rise, many individuals find themselves questioning the necessity of Workers' Compensation. Traditionally associated with conventional employment structures, Workers' Compensation is often overlooked by freelancers and entrepreneurs....2024-01-24T05:00:00.000+00:0015137https://www.bellblack.com/blog/how-to-secure-car-insurance-when-buying-over-the-weekendHow to Secure Car Insurance When Buying Over the Weekend?Buying a car on the weekend is an exciting endeavor, but it comes with its own set of challenges, especially when it comes to securing car insurance promptly. While many insurance offices may be closed or operate on limited hours during the weekend, there are still effective strategies to ensure you...2024-01-10T05:00:00.000+00:0015064https://www.bellblack.com/blog/photography-business-insurance-step-by-step-guideUnderstanding Photography Business Insurance: A Step-by-Step GuideIn the vibrant realm of photography, where every click captures a moment in time, the business aspect often takes a backseat. Many photographers, both seasoned professionals and budding enthusiasts, may overlook a crucial element in their entrepreneurial journey – insurance. Photography business...2023-12-27T05:00:00.000+00:0015063https://www.bellblack.com/blog/life-insurance-retirement-strategyIs a Life Insurance Retirement Strategy Right for Your Future?The intersection of life insurance and retirement is gaining prominence in financial planning. Life Insurance Retirement Plans (LIRPs) have emerged as a distinctive option for individuals seeking a secure financial future. Are they suitable for everyone? Keep reading to learn about LIRPs and delve into...2023-12-13T05:00:00.000+00:0015025https://www.bellblack.com/blog/4-essential-steps-in-filing-your-car-insurance-claim4 Essential Steps in Filing Your Car Insurance ClaimAccidents are unforeseen events that can disrupt the smooth flow of our daily lives, and dealing with the aftermath can be overwhelming. One crucial aspect that demands immediate attention is filing a car insurance claim. Knowing the proper steps to take can make this process smoother and more efficient....2023-11-29T05:00:00.000+00:0015023https://www.bellblack.com/blog/3-proven-strategies-to-reduce-workers-compensation-expenses3 Proven Strategies to Reduce Workers' Compensation ExpensesIn the dynamic landscape of business operations, ensuring the safety and well-being of employees is paramount. As companies strive to create a secure work environment, managing Workers' Compensation costs becomes a crucial aspect of overall financial health. Balancing the protection of employees with...2023-11-15T05:00:00.000+00:0014892https://www.bellblack.com/blog/car-insurance-insights-assessing-coverage-for-rodents-chewing-wiresCar Insurance Insights: Assessing Coverage for Rodent Chewing WiresAs the seasons change, so do the habits of our furry friends. While it may be cute to spot a squirrel darting up a tree or a mouse scurrying across the floor, their presence can sometimes lead to unexpected consequences, especially when it comes to our vehicles. One common problem that car owners face...2023-10-25T05:00:00.000+00:0014891https://www.bellblack.com/blog/six-key-factors-impacting-the-cost-of-commercial-property-insuranceSix Key Factors Impacting the Cost of Commercial Property InsuranceIn the dynamic landscape of commercial property insurance, understanding the intricate web of factors influencing premium costs is essential for business owners. A well-informed approach safeguards your assets and ensures you're getting the best value for your investment. Let's continue reading to learn...2023-10-11T05:00:00.000+00:0014421https://www.bellblack.com/blog/8-vital-insurance-questions-for-commercial-property-owners8 Vital Insurance Questions for Commercial Property OwnersCommercial property owners shoulder a significant responsibility in safeguarding their valuable assets. One of the crucial aspects of protecting their investment is obtaining the right insurance coverage. Navigating the intricate landscape of commercial property insurance can be daunting, but asking...2023-09-27T05:00:00.000+00:0014417https://www.bellblack.com/blog/11-smart-ways-to-save-on-homeowners-insurance11 Smart Ways to Save on Homeowners InsuranceHomeowners insurance is a vital protection that safeguards your home against unforeseen events. While it's essential to have comprehensive coverage, there's no harm in exploring ways to lower your homeowners insurance costs without compromising on the protection you need. This article will discuss 11...2023-09-13T05:00:00.000+00:0012940https://www.bellblack.com/blog/exploring-five-advantages-of-commercial-property-insuranceExploring Five Advantages of Commercial Property InsuranceAs a business owner, it is essential to safeguard your commercial property from potential risks of theft or damage due to natural disasters or accidents. Commercial property insurance offers protection against unforeseen events leading to devastating financial losses. Therefore, it is essential to have...2023-08-16T05:00:00.000+00:0012931https://www.bellblack.com/blog/six-proven-tips-for-finding-the-right-medicare-planSix Proven Tips for Finding the Right Medicare PlanNavigating the complex world of Medicare plans can be overwhelming, especially with numerous options and coverage variations available. Choosing the right Medicare plan is crucial to ensure you receive healthcare coverage at a price that suits your budget. By carefully navigating the complexities of...2023-08-02T05:00:00.000+00:0012887https://www.bellblack.com/blog/how-to-avoid-the-five-most-common-auto-insurance-claimsHow to Avoid the Five Most Common Auto Insurance Claims?Auto insurance claims can be a hassle, not to mention the potential increase in premiums that can follow. Avoiding auto insurance claims can help you maintain a clean driving record and lower your insurance premium. While accidents can happen unexpectedly, there are several precautions you can take to...2023-07-19T05:00:00.000+00:0012869https://www.bellblack.com/blog/9-smart-ways-to-lower-your-health-insurance-premium9 Smart Ways to Lower Your Health Insurance PremiumHealth insurance is crucial to financial planning, but rising premiums can strain your budget. Fortunately, there are strategies you can implement to lower your health insurance costs without compromising coverage. Continue reading to learn nine effective ways to reduce your health insurance premiums...2023-07-05T05:00:00.000+00:0012421https://www.bellblack.com/blog/exposing-the-top-10-myths-surrounding-homeowners-insuranceExposing the Top 10 Myths Surrounding Homeowners InsuranceWhen protecting your home, having the right insurance coverage is crucial. However, several misconceptions and myths surrounding home insurance can lead homeowners astray. This article will debunk ten major home insurance myths to help you make informed decisions about protecting your most valuable asset. ...2023-06-21T05:00:00.000+00:0012251https://www.bellblack.com/blog/6-strategies-to-reduce-your-commercial-property-insurance-costs6 Strategies to Reduce Your Commercial Property Insurance CostsWhen you own a commercial property, one of the most important aspects of protecting your investment is having proper insurance coverage. Commercial property insurance provides financial security against fire, theft, natural disasters, and liability claims. However, insurance premiums can sometimes be...2023-06-14T05:00:00.000+00:0012194https://www.bellblack.com/blog/auto-insurance-10-critical-safety-tips-for-driving-at-nightAuto Insurance: 10 Critical Safety Tips for Driving at NightDriving at night can be challenging, especially if you need to get used to it. Reduced visibility, tiredness, and other factors can make driving at night more dangerous than during the day. Taking extra precautions when driving at night is essential to stay safe on the road. Here are 10 safety tips for...2023-05-17T05:00:00.000+00:0012129https://www.bellblack.com/blog/how-workers-compensation-exemptions-work-and-how-to-get-oneHow Workers' Compensation Exemptions Work - and How to Get OneWorkers’ compensation is a type of insurance that provides medical and wage benefits to employees who are injured on the job. Workers’ compensation laws are in place in all 50 states, requiring employers to offer employee coverage. However, some workers are exempt from these laws, and this...2023-05-03T05:00:00.000+00:0012067https://www.bellblack.com/blog/how-does-age-affect-your-life-insurance-ratesHow Does Age Affect Your Life Insurance Rates?Life insurance is an important financial tool that helps protect your loved ones during your unexpected death. However, the cost of life insurance can vary depending on several factors, including your age. This post will explore how age affects life insurance rates and what you need to know to make informed...2023-04-19T05:00:00.000+00:0012043https://www.bellblack.com/blog/homeowners-insurance--does-it-provide-coverage-to-foundation-repairsHomeowners Insurance: Does It Provide Coverage to Foundation Repairs?If you're a homeowner, you may wonder if your insurance covers foundation repairs. Foundation damage can be a serious and costly issue, so it's essential to understand what your insurance policy covers and doesn't. In this post, we'll explore whether or not homeowners insurance covers foundation repairs...2023-04-05T05:00:00.000+00:0012009https://www.bellblack.com/blog/child-life-insurance--what-is-it-and-should-you-buy-it-Child Life Insurance: What Is It and Should You Buy It?As a parent, you want to make sure your child is taken care of if something unexpected happens. One way to do this is to purchase child life insurance. But what is child life insurance and should you buy it? In this article, we’ll discuss the basics of child life insurance, the pros and cons of...2023-03-22T05:00:00.000+00:0011989https://www.bellblack.com/blog/nine-ways-you-can-lower-your-auto-insurance-costsNine Ways You Can Lower Your Auto Insurance CostsAre you looking for ways to lower your auto insurance costs? It is no surprise that auto insurance costs are on the rise, and many people are looking for ways to save money. Fortunately, there are several things you can do to reduce your auto insurance costs. In this blog, we will go over what determines...2023-03-08T05:00:00.000+00:0011803https://www.bellblack.com/blog/can-filing-a-claim-increase-your-homeowners-insurance-Can Filing a Claim Increase Your Homeowners Insurance?When it comes to homeowners insurance, most of us are familiar with the basics. We pay our premiums in order to protect ourselves and our personal assets in case of an unexpected event. In this article, we’ll discuss why home insurance premiums may go up after filing a claim, how long a claim affects...2023-02-15T05:00:00.000+00:0011774https://www.bellblack.com/blog/weighing-the-pros-and-cons-of-lirp--everything-you-need-to-knowWeighing the Pros and Cons of LIRP: Everything You Need to Know Life Insurance Retirement Plans (LIRP) are a popular retirement savings option for millions of Americans. They offer a range of financial benefits, including tax-deferred growth, flexible withdrawal options, and the ability to leverage life insurance as part of the plan. However, there are also some...2023-02-08T05:00:00.000+00:0011713https://www.bellblack.com/blog/everything-you-must-know-about-the-rental-car-insuranceEverything You Must Know About the Rental Car InsuranceWhen it comes to rental cars, rental car insurance is a must-have if you want to protect yourself from the high costs associated with unexpected car accidents or damages. However, what exactly is rental car insurance? Do I need it and what does it cover? In this blog, we will answer all these questions...2023-01-25T05:00:00.000+00:0011714https://www.bellblack.com/blog/will-my-medicare-plan-cover-dental-implantsWill My Medicare Plan Cover Dental Implants?If you are a senior looking for dental care, you may be wondering if Medicare will cover dental implants. Dental implants are a popular and effective way to replace missing teeth and restore your smile. Let’s find out the answer. What's a Dental Implant? A dental implant is a titanium post that...2023-01-11T05:00:00.000+00:0011112https://www.bellblack.com/blog/home-safety-tips-for-having-a-safe-holiday-seasonHome Safety Tips for Having a Safe Holiday Season!Spending time with friends and family during the holiday season is our primary focus at this time of year. Celebrating with our loved ones reminds us of all that is good in our lives. While we are spending time making precious memories, we also need to be thinking of our safety as well. The simple things...2022-12-28T05:00:00.000+00:0010793https://www.bellblack.com/blog/how-does-your-auto-insurance-gets-affected-when-your-child-goes-to-collegeHow Does Your Auto Insurance Gets Affected When Your Child Goes to College?Is your child all set to go to college? Then, it is time to customize your insurance policies to ensure your child has sufficient coverage on and off campus. Mainly, the insurance consideration for the college student falls to the bottom of the list. Still, it’s important because an insurance policy...2022-12-14T05:00:00.000+00:008842https://www.bellblack.com/blog/accidental-death--does-life-insurance-provides-coverage-for-itAccidental Death: Does Life Insurance Provides Coverage for It?A life insurance policy sometimes covers accidental death because life insurance policies vary depending upon the provider. Before applying, you should know what your insurance provider offers under life insurance. Some standard exclusion that could apply to accidental death coverage includes suicide,...2022-11-24T05:00:00.000+00:008437https://www.bellblack.com/blog/the-best-ways-to-prevent-home-fires-this-thanksgiving-and-all-year-longThe Best Ways to Prevent Home Fires This Thanksgiving and All Year LongThanksgiving is one of the best times for great food and sharing quality time with family and friends. It's also a time to go over fire safety tips. However, the risk of a home fire is ever-present; the holidays are the best time to focus on fire safety. With everyone celebrating, fire safety is sometimes...2022-11-03T05:00:00.000+00:008435https://www.bellblack.com/blog/does-homeowners-insurance-coverage-reimburse-roof-damagesDoes Homeowners Insurance Coverage Reimburse Roof Damages?A home insurance policy covers your home, other structures on your property, and your belongings in the event of loss or damage caused by natural disasters, fire, vandalism, etc. With the roof being a home structure, most people think that roof damages are covered by homeowners insurance. However, the...2022-10-27T05:00:00.000+00:008436https://www.bellblack.com/blog/avoid-penalties-with-this-simple-guide-to-medicare-sign-up-optionsAvoid Penalties with This Simple Guide to Medicare Sign-Up OptionsMedicare is designed to cover the health expenses of people above 65 years/older or people under 65 years with disabilities/end-stage renal disease/amyotrophic lateral sclerosis (ALS). The Social security beneficiaries will automatically enroll in the Medicare Plan after turning 65. What about non-beneficiaries?...2022-10-13T05:00:00.000+00:008434https://www.bellblack.com/blog/are-you-up-for-medicare-sign-up-ensure-you-know-these-thingsAre You Up for Medicare Sign-Up? Ensure You Know These Things!Medicare is a Government-sponsored healthcare plan designed to cover the healthcare expenses of US citizens under some conditions. Social security beneficiaries over 65 years will automatically enroll in a Medicare plan. Those not receiving Social Security benefits can enroll online or at the Social...2022-09-22T05:00:00.000+00:008433https://www.bellblack.com/blog/the-must-have-insurance-plans-for-small-businessThe Must-Have Insurance Plans for Small BusinessEvery business faces unique risks and challenges based on the size and scale of operations, location, industries served, products and services offered, etc. Having standard business insurance may not be enough to stay protected, as it just covers basic things like liability and property damage. You may...2022-09-08T05:00:00.000+00:008432https://www.bellblack.com/blog/health-insurance-terms-that-might-benefit-youHealth Insurance Terms That Might Benefit YouChoosing the appropriate health insurance plan is crucial. Whatever you decide, you'll have to deal with the consequences. Making the wrong decision can be almost as awful as not having health insurance. Before choosing a new plan, you should familiarize yourself with popular healthcare terminology definitions. Coinsurance You...2022-08-25T05:00:00.000+00:008431https://www.bellblack.com/blog/saving-tips-on-business-insuranceSaving Tips on Business InsuranceA significant financial choice is purchasing business insurance. This is especially true for SMEs who are working with a small budget. You will need to make the appropriate insurance policy investments based on your demands to protect your company from liabilities and maintain structural stability. Fortunately,...2022-08-11T05:00:00.000+00:008430https://www.bellblack.com/blog/group-health-insurance-plans-effective-ways-to-cut-costsGroup Health Insurance Plans: Effective Ways to Cut CostsOffering a competitive insurance plan is easy to attract better talent to your business. However, this also means larger premiums. This blog will help you learn how to lower your company's group health insurance plan costs while still maintaining its competitive edge. Here are seven effective ways to...2022-07-21T05:00:00.000+00:008429https://www.bellblack.com/blog/avoid-these-4-major-mistakes-when-purchasing-home-insuranceAvoid These 4 Major Mistakes When Purchasing Home InsurancePurchasing homeowners' insurance is vital for more than just mortgage lenders. Property owners invest hundreds of thousands of dollars in purchasing and furnishing their residences. As a result, it's critical to have adequate information and protection for this important asset. Here are the four most...2022-07-07T05:00:00.000+00:008428https://www.bellblack.com/blog/vehicle-insurance-why-it-is-essential-and-what-are-its-long-term-benefitsVehicle Insurance – Why It Is Essential and What Are Its Long-Term Benefits?Having a vehicle insurance policy is beneficial, especially if you're involved in an accident. Without insurance, you need to pay for any costs associated with it, including medical bills, property repair/replacement costs, and legal expenses. Auto insurance offers you the much-needed financial protection...2022-06-23T05:00:00.000+00:008427https://www.bellblack.com/blog/your-step-by-step-guide-to-choose-the-right-health-insurance-coverageYour Step-by-Step Guide to Choose the Right Health Insurance CoverageMedical emergencies are becoming a part of life due to the pandemic. However, a health insurance policy covers you against minor/major medical expenses resulting from an injury, illness, or accident, thus helping you stay prepared against such uncertainties. Different health insurance plans are available,...2022-06-09T05:00:00.000+00:008426https://www.bellblack.com/blog/getting-a-good-car-insurance-plan-under-the-age-of-25Getting a Good Car Insurance Plan Under the Age of 25There are good auto insurance policies that are available to young drivers. While many insurance companies look at the age of 25 as a benchmark when it comes to being more responsible, it isn't always a reasonable assumption. There are affordable options for young adults aged under 25. Comparison shopping...2022-05-26T05:00:00.000+00:008425https://www.bellblack.com/blog/what-you-need-to-know-about-temporary-life-insuranceWhat You Need to Know About Temporary Life InsuranceWhen you have applied for a whole life or term policy, there may be a period of time that the underwriters are making a decision on whether or not to approve you for a policy. With a temporary life policy, you and your family will have the coverage they need to feel secure while the underwriters make...2022-05-12T05:00:00.000+00:008424https://www.bellblack.com/blog/myths-versus-facts-about-homeowners-insuranceMyths Versus Facts About Homeowners' InsuranceMany homeowners buy a policy and automatically think they are covered for just about everything. This is far from the truth and can cost you in the long run. You need to understand your policy clearly. If you have questions, make sure to ask instead of assuming anything. That's because if you do, then...2022-04-28T05:00:00.000+00:008423https://www.bellblack.com/blog/how-can-exercise-enhance-your-mental-healthHow Can Exercise Enhance Your Mental HealthThere is a distinct connection between exercise and mental health that many people don't give enough thought to. Physically active people are less likely to be depressed or feel €œblue.€ Exercise does just as much for the mind as it does for the physical body. In fact, the more time you spend building...2022-04-14T05:00:00.000+00:008421https://www.bellblack.com/blog/why-car-insurance-is-costlier-than-home-insuranceWhy Does My Car Insurance Plan Cost More Than My Home Insurance?People sometimes get confused when they find out that their homeowners' insurance will cost them less than their auto insurance. You would think the higher value item would cost more to insure. In the world of insurance, this isn't true. When it comes to insurance, your level of potential risk will take...2022-03-30T05:00:00.000+00:008422https://www.bellblack.com/blog/5-reasons-why-offering-health-insurance-to-your-employees-is-important5 Reasons Why Offering Health Insurance to Your Employees Is ImportantAs a business owner with employees, it's up to you to make sure they are able to perform their tasks to the best of their abilities. One of the best ways to do this is to offer a quality health insurance policy they can count on to provide them with the medical care they need. While they can buy health...2022-03-23T05:00:00.000+00:008420https://www.bellblack.com/blog/getting-car-insurance-without-a-drivers-license-what-you-need-to-knowGetting Car Insurance Without a Driver’s License: What You Need to KnowThere are many reasons why a person may own a car and not have a driver's license. While this isn't the way it usually works, you can still get auto insurance if you do not have a valid driver's license. It's a good thing to note, however, that if you apply for an auto insurance policy without having...2022-02-24T05:00:00.000+00:008419https://www.bellblack.com/blog/common-mistakes-made-by-small-business-owners-while-filing-an-insurance-claimCommon Mistakes Made by Small Business Owners While Filing an Insurance ClaimAs a small business owner, you may try to do everything you can to protect your business. Most people believe that if they have a good commercial policy for their business, they will be fully covered in case an unfortunate event occurs for which their company is held financially responsible. However,...2022-02-10T05:00:00.000+00:008418https://www.bellblack.com/blog/things-to-consider-while-installing-a-backyard-fire-pitThings to Consider While Installing a Backyard Fire PitAs a homeowner, there comes a point where you may feel confident in exploring some upgrades. Perhaps you plan to install some new amenities around your home. Backyard fire pits are a popular choice because they can enhance your home almost year-round. However, one of the first things you should research...2022-01-20T05:00:00.000+00:008417https://www.bellblack.com/blog/5-important-questions-to-ask-before-buying-life-insurance5 Important Questions to Ask Before Buying Life InsuranceBefore you buy any type of life insurance policy, there are a few questions you will want to ask. Life insurance is a valuable asset to have, especially if you want to make sure your family is taken care of if something happens to you. The key is understanding the coverage provided by different life...2022-01-06T05:00:00.000+00:008416https://www.bellblack.com/blog/will-my-homeowners-insurance-cover-damage-caused-by-floodsWill My Homeowners Insurance Cover Damage Caused by Floods?Homeowners insurance is residential insurance that protects the home from disaster and theft. Its coverage is mainly for dwelling and personal property. The dwelling structure helps cover damage to your home structure and other attached structures from perils clearly stated in the policy. Property coverage...2021-12-23T05:00:00.000+00:008415https://www.bellblack.com/blog/want-to-buy-health-insurance-here-are-common-mistakes-that-you-should-avoidWant to Buy Health Insurance? Here Are Common Mistakes That You Should AvoidHealth insurance, like most insurance, shouldn't be taken for granted. With continual technological advancement comes the increasing cost of health care. This is solely due to the cost of drugs and high-earning medical professionals. Costly healthcare hurts everybody; that is why people opt for health...2021-12-09T05:00:00.000+00:008414https://www.bellblack.com/blog/6-practical-tips-to-be-more-careful-around-motorcycles-as-a-car-driver6 Practical Tips to Be More Careful Around Motorcycles as a Car DriverIt is quite well known that motorcycles do not offer the same amount of protection to their riders as cars and trucks, and even the slightest accident could cause a major injury to those involved in a motorcycle crash. This is why while driving your four-wheeler, you need to be more careful while moving...2021-11-25T05:00:00.000+00:008413https://www.bellblack.com/blog/health-insurance-coverage-eligibility-for-family-membersHealth Insurance Coverage Eligibility for Family MembersHealth insurance coverage comes with different specifications; however, it is possible to share coverage with your family members, provided they are eligible for health insurance. The eligibility of a family member for health insurance coverage is determined by your employing office, who may or may...2021-11-11T05:00:00.000+00:008412https://www.bellblack.com/blog/is-fire-damage-covered-in-homeowners-insuranceIs Fire Damage Covered in Homeowners' Insurance?Most homeowners' insurance policies will cover fire damage unless caused by an act of war or intentionally set by you or a family member. Fires are commonly caused by lightning strikes, electrical shocks, or sparks near a dryer vent. Understanding what causes fires is the best way to prevent them from...2021-10-21T05:00:00.000+00:008411https://www.bellblack.com/blog/how-can-you-prepare-your-home-for-fallHow Can You Prepare Your Home for Fall?Seasons are changing. We are preparing to spend much of our time inside as the winds pick up and the temperatures start to fall. It's easier to prepare your home for the colder weather while it's still warm than to fix things when the snow is falling. Getting a head start on any repairs or maintenance...2021-10-07T05:00:00.000+00:008409https://www.bellblack.com/blog/easy-tips-to-help-you-pass-your-life-insurance-medical-examEasy Tips to Help You Pass Your Life Insurance Medical ExamTo take a life insurance policy, you will be required to pass a medical examination. This article will discuss what you should expect during a typical life insurance medical exam process. Also, we will provide tips on how to prepare for the exam and, more importantly, pass it. Let's get started! What...2021-09-23T05:00:00.000+00:008410https://www.bellblack.com/blog/understanding-the-key-features-of-business-interruption-insuranceUnderstanding the Key Features of Business Interruption InsuranceThe profitability or otherwise of businesses are subject to factors that are not always within the owner's control. For example, a natural disaster or any other peril can have a significant impact on a business. If a business experiences such circumstances, it will almost certainly suspend operations...2021-09-09T05:00:00.000+00:008407https://www.bellblack.com/blog/will-my-home-insurance-policy-cover-my-property-when-i-relocateWill My Home Insurance Policy Cover My Property When I Relocate?Homeowners insurance is a form of property insurance that gives liability coverage against accidents in the home and around the property while also covering damages to your residence and furnishings and other assets inside your home. This policy usually covers the following incidents on the insured property: ...2021-08-19T05:00:00.000+00:008408https://www.bellblack.com/blog/tips-for-finding-comparing-small-business-insurance-policiesTips for Finding & Comparing Small Business Insurance PoliciesSmall business insurance, sometimes referred to as commercial insurance, helps protect a business' assets, properties, and income. Business insurance costs may vary based on the policies you decide to purchase. Your coverage limits, and other factors like your industry, the number of employees, and location...2021-08-05T05:00:00.000+00:008406https://www.bellblack.com/blog/5-things-to-consider-while-reviewing-your-insurance-policy-before-summer5 Things to Consider While Reviewing Your Insurance Policy Before SummerWeather changes are inevitable. However, there are times when such changes can pose a serious threat to your life and property. The onset of warmer weather is already paving the way for potential tornadoes. If you live in areas with higher instances of weather-related disasters such as hurricanes and...2021-07-22T05:00:00.000+00:008405https://www.bellblack.com/blog/should-you-add-your-teenage-driver-to-your-car-insurance-policyShould You Add Your Teenage Driver to Your Car Insurance Policy?Protecting your teenager by getting them insured when they are old enough to get their driver's license might be tricky. You can decide to either get them a separate auto insurance policy or simply add them to your own policy. Adding your teenage driver to your car insurance policy might seem like...2021-07-08T05:00:00.000+00:008404https://www.bellblack.com/blog/how-health-insurance-policy-can-benefit-youHow Having a Health Insurance Policy Can Benefit You in the Long RunAs human beings, our bodies are prone to breakdowns due to stress, fatigue, illness, or accidents resulting in injuries. Since these incidents are mostly unavoidable and can happen at any time, purchasing a health insurance policy that covers you financially in the case of a medical emergency is one...2021-06-24T05:00:00.000+00:008403https://www.bellblack.com/blog/death-benefits-in-life-insurance-and-what-it-actually-involvesAccelerated Death Benefits in Life Insurance and What it Actually InvolvesOften, we fail to utilize our rights due to ignorance and then lose out on many beneficial things. Such is the case with life insurance. While many people must have heard about life insurance and what it offers, some still have no idea that payment not only occurs after the death of the insured individual...2021-06-10T05:00:00.000+00:008402https://www.bellblack.com/blog/insurance-to-cover-cyber-risks-to-your-businessWhy Insurance to Cover Cyber Risks to Your Business is ImportantAs a business owner, it is important to realize that a cyber attack can have a potentially damaging effect on your operations, which is why the smartest thing to do is to purchase insurance for traditional cyber risks, like breaches involving the unauthorized use of personal information, and report that...2021-05-20T05:00:00.000+00:008401https://www.bellblack.com/blog/safety-tips-to-buy-life-insurance-onlineSafety Tips to Buy Life Insurance OnlineIt is agreeable that there is a certain level of convenience that comes with buying things online. The fact that you don't have to step a foot outside and can get anything you want from the comfort of your home is quite appealing. However, there are certain things you still feel better buying in person...2021-05-06T05:00:00.000+00:008400https://www.bellblack.com/blog/when-to-apply-for-newborn-health-insuranceWhen Should I Apply for Newborn Health Insurance?Many assume that maternity care includes coverage for a newborn, but this isn't the case. Healthcare services for children are essential benefits that are covered by most marketplace plans. Most companies do not allow individual health coverage for a newborn, but they can be included in an existing family...2021-04-22T05:00:00.000+00:008399https://www.bellblack.com/blog/oem-or-aftermarket-parts-which-one-should-you-chooseOEM or Aftermarket Parts: Which One Should You Choose?Original Equipment Manufacturer (OEM) is a manufacturing company that makes and sells parts of a product to another company. The buyer company brands the product as its own and sells it to consumers. OEMs are common in information technology and automobile industries because computers and cars tend to...2021-04-08T05:00:00.000+00:008398https://www.bellblack.com/blog/outbuilding-insuranceWhat You Need to Know About Insuring Outbuildings at Your Primary ResidenceOutbuilding insurance is a key area that is usually overlooked by most homeowners because they believe their regular insurance should cover their outbuildings. Depending on the type of insurance coverage you get for your home, various factors could determine the household insurance restrictions on outbuildings...2021-03-18T05:00:00.000+00:008397https://www.bellblack.com/blog/long-term-care-insuranceA Quick Guide to Understanding Long-Term Care InsuranceLong-term care insurance, or LTC as it is commonly known in the insurance world, is a special type of health insurance that covers long-term care not covered by traditional health insurance policies. The policy is designed for people with severe illness or disabilities who will need extensive care over...2021-03-04T05:00:00.000+00:008396https://www.bellblack.com/blog/landlord-insurance-coverGuide to Landlord Insurance-What You Need to KnowInsurance is essential for known reasons, such as protecting assets, property, self, and even financial risks. It helps individuals to pay for hospitalization or medical emergencies. However, specific questions may seem tricky to answer about the type of insurance that is needed. Landlords need insurance,...2021-02-18T05:00:00.000+00:008395https://www.bellblack.com/blog/risk-analysis-for-insurance-companiesSeven Factors Used by Auto Insurance Companies While Calculating RiskThe process of purchasing auto insurance can be challenging for the individual and the insurer. For this reason, you need to explore the offers and pricing of different insurance carriers to see which best fits your budget. The plan you pick should meet all your needs and provide the appropriate level...2021-02-04T05:00:00.000+00:008394https://www.bellblack.com/blog/life-insurance-tipsA Guide to Understanding Your Life Insurance PolicyLife insurance policies allow people to cover their loved ones after passing away. However, it's important that you thoroughly read over your life insurance policy so that your loved ones will have the proper amount of financial security. Life insurance policies normally work as a contract in which you...2021-01-21T05:00:00.000+00:008393https://www.bellblack.com/blog/eco-friendly-business-ideasEco-Friendly Business Ideas That Can Benefit You FinanciallyDuring the current pandemic, there is increased pressure on businesses to promote environmentally friendly products. There is also a significant financial incentive for businesses to use more eco-friendly products. Having an eco-friendly business can increase your popularity, which would lead to higher...2021-01-07T05:00:00.000+00:008392https://www.bellblack.com/blog/6-ways-to-ensure-lower-auto-insurance-premium6 Ways to Ensure Lower Auto Insurance PremiumA recent industry study has found that the average car insurance cost in the United States is about $1,416, making it one of the most expensive elements of owning and operating a vehicle. Fortunately, you can take proactive measures to lower your auto insurance premiums. Here are 6 ways to lower your...2020-12-23T05:00:00.000+00:008391https://www.bellblack.com/blog/tips-to-manage-holiday-stress-during-the-pandemicTips to Manage Holiday Stress During the PandemicAccording to the latest data from the Centers for Disease Control and Prevention (CDC), the number of COVID-19 cases continues to rise across the country, forcing many states to implement pandemic-related measures such as mobility restrictions. Because of this, your holiday plans will most likely be...2020-12-15T05:00:00.000+00:008390https://www.bellblack.com/blog/thanksgiving-safety-tips-for-homeownersThanksgiving Safety Tips for HomeownersIf you are about to host Thanksgiving this year, you could be feeling more stressed than blessed. Hosting friends and family for this big celebration is no small fete, as well as turning your home into an autumnal wonderland. Whether you're hosting Thanksgiving celebrations this year or traveling far...2020-11-19T05:00:00.000+00:008389https://www.bellblack.com/blog/what-questions-should-i-ask-when-buying-health-insuranceWhat Questions Should I Ask When Buying Health Insurance?Have health insurance options got you overwhelmed? Don't be discouraged. Although it can seem daunting and confusing, securing the right health insurance plan will ensure that you have peace of mind when handling your health. It's important to know all of your health insurance options and how to choose...2020-11-05T05:00:00.000+00:008388https://www.bellblack.com/blog/tips-for-buying-auto-insuranceWhat Should I Look For When Buying Auto Insurance?Most people know that they need insurance for their new vehicle, but the excitement of buying a new car means that it often falls by the wayside. Skipping over this important detail may cause financial problems almost as soon as you drive off the dealership's lot. Before you start negotiating with the...2020-10-22T05:00:00.000+00:008387https://www.bellblack.com/blog/insurance-before-launching-an-online-storeQuestions to Ask About Insurance Before Launching an Online StoreIn today's society, it's easier than ever to start an online store. Whether you're selling through a platform like Etsy or have created your own commerce site through Wix or Shopify, you can have your products up online and ready to sell within no time. It's now simple for your products to reach customers...2020-10-08T05:00:00.000+00:008386https://www.bellblack.com/blog/can-pregnant-get-life-insuranceI’m Pregnant – Should I Get Life Insurance?If you're expecting a baby, you may already have a long list of things to think about. However, it's important that you carve out time to think about life insurance. Here are some common questions expectant mothers often ask. Do I need permanent or term life insurance?   Term insurance covers you for...2020-09-17T05:00:00.000+00:008385https://www.bellblack.com/blog/cutting-the-cost-of-home-insurance-in-2020Cutting the Cost of Home Insurance in 2020The price of homeowners insurance is one of those unavoidable expenses that come along with owning a house. How much you pay for coverage will depend on a variety of factors such as the location and age of your home, but the average premium costs over $1,000. Although it can feel like a big expense,...2020-09-03T05:00:00.000+00:008384https://www.bellblack.com/blog/is-life-insurance-through-work-enoughIs Life Insurance Through Work Enough?Having life insurance through work is a real perk to the job. It provides you with some coverage that helps to protect your family when you are no longer around to support them. Yet, you shouldn't just rely on your work-provided life coverage to safeguard your family's finances. Taking out your own third-party...2020-08-27T05:00:00.000+00:008383https://www.bellblack.com/blog/tips-for-a-strong-immune-systemTips for a Strong Immune SystemThanks to COVID-19, we're all feeling the need to improve our immune systems and fight off harmful viruses. Having a strong immune system protects us against pesky bacteria that want to attack our bodies, breaking it down to be more susceptible to injury and illness. Your immune system is a gatekeeper...2020-08-20T05:00:00.000+00:008382https://www.bellblack.com/blog/how-many-car-insurance-claims-can-you-make-in-a-yearHow Many Car Insurance Claims Can You Make in a Year?More and more people are embracing modes of personal transportation, such as cars, to keep them mobile for work and leisure. As it's a large investment, it's sensible to cover your vehicle against unfortunate incidents by purchasing car insurance. However, when multiple incidents occur close together...2020-08-13T05:00:00.000+00:008381https://www.bellblack.com/blog/how-does-coronavirus-impact-home-insuranceHow Does Coronavirus Impact Home Insurance?It's safe to say that the coronavirus has impacted just about every facet of our lives. It has tried and tested us, and we are still trying to figure out how to return to normal. What has changed, even though you might not have suspected any change, is your home insurance.   Inspections If...2020-08-06T05:00:00.000+00:008380https://www.bellblack.com/blog/top-practices-to-keep-your-identity-safeTop Practices to Keep Your Identity SafeEven in our password-protected world, millions of Americans still fall victim to identity theft every year. Hackers are getting smarter by the day and are taking advantage of people being careless with their account information and mail. If you've ever been subject to identity theft, you will understand...2020-07-30T05:00:00.000+00:008379https://www.bellblack.com/blog/what-you-should-know-about-business-insurance-coverage-limitsWhat You Should Know About Business Insurance Coverage LimitsEvery business owner knows they need insurance coverage. They take out insurance and hope for the best. Yet, many go away from securing their coverage without knowing the basics about their insurance coverage limits. In order to keep costs reasonable, your insurance company will set insurance limits...2020-07-23T05:00:00.000+00:008378https://www.bellblack.com/blog/sneak-more-fruits-and-vegetables-into-your-diet-with-these-tipsSneak More Fruits and Vegetables into Your Diet with These TipsWe are all aware of how beneficial fruits and vegetables are for our health. Loaded with vitamins, minerals, and wholesome goodness, these foods are essential to include in our daily diet. While some of us have no trouble eating plenty each day, others struggle to get down a handful of fruits and vegetables....2020-07-16T05:00:00.000+00:008377https://www.bellblack.com/blog/how-to-ride-your-motorcycle-safely-in-a-groupHow to Ride Your Motorcycle Safely in a GroupSummer is here, and that means it's the perfect time to go riding in a group with other motorcyclists. Whether you're hitting the open road with friends or the local community, it's essential that you consider safety before setting off. Take a look at some of these essential tips you should note.   Establish...2020-07-09T05:00:00.000+00:008374https://www.bellblack.com/blog/how-canceling-commercial-insurance-can-cost-more-than-keeping-itHow Canceling Commercial Insurance Can Cost More Than Keeping ItAs a business owner, you may constantly be looking for ways in which you can cut back on expenses without sacrificing your insurance coverage. However, you may know that your business cannot open for a couple more weeks or months because of COVID-19, and you're tempted to cancel your commercial insurance...2020-06-25T05:00:00.000+00:008376https://www.bellblack.com/blog/how-to-manage-your-money-during-covid-19-2How to Manage Your Money During COVID-19During these uncertain times, it can be easy to feel overwhelmed, especially when it comes to your finances. Whatever your situation may be, take a look at these tips to help streamline your financial planning and manage your budget throughout COVID-19.   Research your options Knowledge is...2020-06-18T05:00:00.000+00:008373https://www.bellblack.com/blog/life-insurance-what-are-you-paying-forLife Insurance – What Are You Paying For?When most people think of life insurance, they think of an insurance policy that they will never get to use. But that is precisely the point - it is for your family and loved ones. Life insurance pays out a lump sum to your beneficiaries when you die, helping them to replace your income and cover unexpected...2020-06-11T05:00:00.000+00:008375https://www.bellblack.com/blog/summer-risks-to-your-house-and-how-to-prevent-them-2Summer Risks to Your House – and How to Prevent ThemWarm summer days, lighter evenings, and quality family time together - summer is truly a wonderful time of year. Yet, homeowners often throw caution to the wind and forget about some of the more common dangers that happen during this season. To protect your property and family, take steps to mitigate...2020-06-04T05:00:00.000+00:008372https://www.bellblack.com/blog/want-a-safer-home-consider-these-inexpensive-fixesWant a Safer Home? Consider These Inexpensive FixesHome adjustments to make for a safer property.   Every homeowner wants to protect the safety of their property. From locking the doors and windows to keeping the property in good condition, there are many ways to keep a home safe. There are some simple maintenance tasks and other improvements you...2020-05-28T05:00:00.000+00:008371https://www.bellblack.com/blog/does-workers-compensation-cover-coronavirus-claimsDoes Workers Compensation Cover Coronavirus Claims?Workers' compensation claims and the coronavirus.   As the coronavirus continues to spread across the country, small and medium-sized businesses are looking at options to help employees impacted by the virus. While the CDC advises people to stay at home, the financial strain of missing work may tempt...2020-05-21T05:00:00.000+00:008370https://www.bellblack.com/blog/8-ways-to-connect-with-your-family-by-unplugging8 Ways to Connect with Your Family by UnpluggingHow to better connect with your loved ones.   Whether you're self-isolating or slowly trying to get back into a routine, you may have found yourself spending more time with your family recently. You may also have realized just how much time you and your family spend around the TV, on your phones...2020-05-14T05:00:00.000+00:008369https://www.bellblack.com/blog/buying-a-car-during-the-covid-19-outbreakBuying a Car During the COVID-19 OutbreakWhat you should know about buying a vehicle during the pandemic.   Perhaps you've been saving for a new vehicle for a while. Since COVID-19 has hit, you may be left wondering what you should do about your proposed plans to purchase a new vehicle. Although the coronavirus has impacted our daily lives...2020-05-07T05:00:00.000+00:008368https://www.bellblack.com/blog/easiest-and-safest-plants-to-grow-indoorsEasiest (and Safest) Plants to Grow IndoorsThe top house plants to consider.   From cleaner air to creative décor, there are many benefits of having indoor plants around the home. If you don't have a green thumb, it can be difficult to know which varieties of plants are suitable for indoor conditions and how to properly care for them. That's...2020-04-30T05:00:00.000+00:008367https://www.bellblack.com/blog/starting-a-business-3-commercial-insurance-policies-to-considerStarting a Business? 3 Commercial Insurance Policies to ConsiderInsurance coverages to consider when starting a new company.   Are you thinking of starting your own business? If so, you could be joining the thousands of Americans who have taken a leap of faith and started their own company. Maybe you've found an untapped market or you've noticed people respond...2020-04-23T05:00:00.000+00:008366https://www.bellblack.com/blog/top-ways-to-keep-your-car-running-as-good-as-newTop Ways to Keep Your Car Running as Good as NewHow to keep your car in good running condition.   Thanks to low interest rates and plenty of options, financing a vehicle is affordable for many Americans today, with most borrowers paying off the car after five years of ownership. Once it is paid off, however, the expenses don't stop. Due to wear...2020-04-16T05:00:00.000+00:008365https://www.bellblack.com/blog/gifts-that-could-affect-someones-insuranceGifts That Could Affect Someone’s InsuranceHow gifts can impact home insurance.   Whether it's been your birthday or you've had a raise at work and have celebrated by buying a new gift for the family, you may have a few new presents in your property. But before you find gift their own place in the home, it's important to ask whether or not...2020-04-09T05:00:00.000+00:008364https://www.bellblack.com/blog/homeowners-insurance-and-your-home-based-businessHomeowners Insurance and Your Home-Based BusinessGetting coverage for your home-based business.   Do you work full-time from home? Perhaps you operate a side business out of your home? If so, be aware that your homeowners insurance policy may not cover several aspects of your home-based business. In order to safeguard your hard work, you may need...2020-03-26T05:00:00.000+00:008363https://www.bellblack.com/blog/professional-liability-vs-errors-and-omissions-insurance-whats-the-differenceProfessional Liability vs. Errors and Omissions Insurance – What’s the Difference?Understanding the difference between professional liability insurance and E&O insurance.   As a business owner, you may be looking into your insurance options. As such, you may have come across the terms €˜professional liability insurance' and €˜errors and omissions insurance'. To the untrained...2020-03-19T05:00:00.000+00:008362https://www.bellblack.com/blog/10-tips-to-successfully-avoid-distracted-driving10 Tips to Successfully Avoid Distracted DrivingPrevent getting distracted behind the wheel.   Nearly everyone is guilty of some form of distracted driving. In fact, distracted drivers are almost everywhere you look - from the teen on the cell phone to the person fiddling with the radio to the multi-tasking parent behind the wheel. To help you...2020-03-12T05:00:00.000+00:008361https://www.bellblack.com/blog/healthy-recipe-for-national-nutrition-monthHealthy Recipe for National Nutrition MonthDid you know that March is National Nutrition Month?   March is National Nutrition Month! During this month, communities and individuals are encouraged to take a better look at their diet and the nutrients they may be lacking. To get involved, check out these delicious burrito-stuffed sweet potatoes!...2020-03-05T05:00:00.000+00:008360https://www.bellblack.com/blog/commercial-insurance-questions-to-ask-your-agentCommercial Insurance Questions to Ask Your AgentQuestions you should be asking your commercial insurer.   As a business owner, you have a lot to juggle. You know you need commercial insurance, but you may not have the time to dedicate to learning all about the insurance industry and what policies seem right for you. This is why it's important...2020-02-27T05:00:00.000+00:008359https://www.bellblack.com/blog/how-to-protect-your-car-from-theftHow to Protect Your Car From TheftSafeguard your car from thieves.   Your car is an object of desire. The problem is that it's not just an object of desire for you. Whether it's the car itself or the valuables within it, your car is as much a target for thieves as it ever was. Car theft is a problem all over the world, and if you've...2020-02-20T05:00:00.000+00:008357https://www.bellblack.com/blog/should-a-big-raise-prompt-you-to-get-more-life-insuranceShould a Big Raise Prompt You to Get More Life Insurance?Getting more life insurance when your income increases.   Did you recently get a raise? If so, congratulations! Whether you've been working towards it for months or it was an unexpected surprise, getting a big raise deserves some celebrating. While it may be the last thing on your time, getting...2020-02-13T05:00:00.000+00:008358https://www.bellblack.com/blog/try-out-these-tips-to-keep-your-kids-teeth-healthyTry Out These Tips to Keep Your Kids’ Teeth HealthyKeeping your child's teeth healthy.   As adults, we understand the importance of good dental habits. As parents, you try your best to pass that onto your children. Keeping your child's teeth clean and healthy can help protect both your child and your pocket. To get started, we've rounded up some...2020-02-06T05:00:00.000+00:008356https://www.bellblack.com/blog/common-mistakes-businesses-make-when-filing-a-claimCommon Mistakes Businesses Make When Filing a ClaimAvoid making these mistakes if you need to file a claim.   After a disaster or accident, it's important to file your claims correctly. If you don't, you could risk your business failing to get financial support, delayed payments, and more. To avoid trouble, make sure you take the time to correctly...2020-01-30T05:00:00.000+00:008355https://www.bellblack.com/blog/what-is-proof-of-ownership-when-making-a-home-insurance-claimWhat is “Proof of Ownership” When Making a Home Insurance Claim?Understand what €œProof of Ownership€ is in a home insurance claim.   If you ever find yourself making a home insurance claim, your insurer may ask you to provide a form of €œproof of ownership€ for whatever items need to be replaced. Essentially, you'll need to document all of your lost or damaged...2020-01-23T05:00:00.000+00:008354https://www.bellblack.com/blog/warm-up-with-this-soupWarm Up with This Soup!Indulge in this delicious and healthy warming winter soup.   The winter is here and that means we're all looking for cheap, easy, healthy, and delicious meals to throw together in the evenings. If you're looking for a recipe that fits that description - look no further! This winter soup has everything...2020-01-16T05:00:00.000+00:008353https://www.bellblack.com/blog/top-auto-insurance-questions-to-ask-your-agentTop Auto Insurance Questions to Ask Your AgentConsider asking your insurance agent these questions.   When you're on the lookout for the right auto insurance, it's important to make sure you're asking the agent all the right questions. While many of us focus on premiums and premiums alone, cutting corners could mean we end up in a financial...2020-01-09T05:00:00.000+00:008352https://www.bellblack.com/blog/does-business-insurance-cover-rental-propertyDoes Business Insurance Cover Rental Property?Understand how your property is protected with business insurance.   As a business owner, have you ever thought about the €˜what if's'? What if a fire broke out and burned down your commercial rental property? What if a thief broke in and stole valuable goods? Although it's never uplifting to think...2019-12-23T05:00:00.000+00:008351https://www.bellblack.com/blog/what-you-should-consider-before-buying-a-used-carWhat You Should Consider Before Buying a Used CarHow to purchase the right second-hand vehicle.   Are you thinking of buying a used car? This can be a great option for budget-savvy drivers who aren't looking to purchase a new vehicle that may require a lease or a loan. A used vehicle can last you many years of hassle-free driving - if you choose...2019-12-19T05:00:00.000+00:008350https://www.bellblack.com/blog/give-the-gift-of-life-insurance-for-the-holidaysGive the Gift of Life Insurance for the HolidaysGift your loved ones with a life insurance policy.   Are you out of ideas on what to get your loved ones this holiday? Do they already have everything they need and want? Perhaps it's time to start thinking outside of the box. Gifting your loved ones with something long-lasting and valuable is a...2019-12-12T05:00:00.000+00:008349https://www.bellblack.com/blog/safety-tips-when-decking-the-halls-for-the-holidaysSafety Tips When Decking the Halls for the HolidaysDeck the halls safely with these tips in hand.   The festive season is a time for joy, family, peace, and beautiful decorations. When you're getting the home ready for the festivities, it's important to remain safe at all times. Here are some essential tips you need to know about decking the...2019-12-05T05:00:00.000+00:008348https://www.bellblack.com/blog/5-science-backed-ways-to-feel-less-stressed5 Science-Backed Ways to Feel Less StressedTips to help you feel less stressed every day. In a culture of constant over-scheduling, it seems like everyone is stressed about something. Juggling work, family life, social life, chores, and sleep can seem like a daunting task, and many of us experience stress in our everyday lives. Unfortunately,...2019-11-26T05:00:00.000+00:008347https://www.bellblack.com/blog/how-to-safeguard-your-business-from-firesHow to Safeguard Your Business From FiresProtect your business from fires. Fire is one of the most common causes of property damage - and it can also be one of the most costly incidents for a small business. Around 10 percent of small businesses are affected by a fire, and the average cost for a fire claim is $35,000. Fires can happen to...2019-11-21T05:00:00.000+00:008346https://www.bellblack.com/blog/what-to-do-when-youve-locked-your-keys-in-your-carWhat to Do When You’ve Locked Your Keys in Your CarUnderstand your options when you've accidentally locked yourself out of your car. It happens to us all. Whether your mind was on other things or your key slipped out of your pocket and onto the car seat, you may find yourself locked out of your vehicle. To help you navigate this situation without panicking,...2019-11-14T05:00:00.000+00:008345https://www.bellblack.com/blog/homeowner-tasks-you-didnt-know-you-should-be-doingHomeowner Tasks You Didn’t Know You Should Be DoingDon't overlook these essential home maintenance tasks.   When you think about home maintenance, these few tasks might not be the first things that come to mind. There are some jobs that homeowners forget about or don't even know about. However, forgetting about them can have frustrating and potentially...2019-11-07T05:00:00.000+00:008344https://www.bellblack.com/blog/loss-prevention-tips-for-commercial-vehiclesLoss Prevention Tips for Commercial VehiclesProtecting your commercial vehicles.   When your business is on the go, you may have a company car or an entire fleet of vehicles. Having such vehicles provides your business with many benefits such as advertising, marketing, equipment storage, and transporting employees efficiently. To help prevent...2019-10-31T05:00:00.000+00:008343https://www.bellblack.com/blog/how-to-scale-back-on-your-social-media-usageHow to Scale Back on Your Social Media UsageUnplug from social media more often with these tips.  Social media is a great way to stay connected to friends and family around the world and even down the road. It can also, however, be a major time-waster. It’s easy to open an app, scroll for a little while, and then realize 30 minutes has passed....2019-10-24T05:00:00.000+00:008342https://www.bellblack.com/blog/how-to-prepare-your-home-for-a-safe-halloweenHow to Prepare Your Home for a Safe HalloweenGet ready for a spooky (but safe!) Halloween night. Plenty of people love a good Halloween scare - as long as no one gets hurt. That includes your house. Hot lights, open flames, and large crowds present some real risks to homeowners on Halloween night. For a safe night without any unpleasant tricks,...2019-10-17T05:00:00.000+00:008341https://www.bellblack.com/blog/3-great-lessons-for-driving-safely-in-the-dark3 Great Lessons for Driving Safely in the DarkSafety tips for driving in the dark. The nights are drawing in and now is the time to prepare for driving in limited visibility. The darkness, in combination with weather conditions, makes driving more difficult. To help, we've rounded up some essential tips for driving in the dark. Minimize Glare Most...2019-10-10T05:00:00.000+00:008340https://www.bellblack.com/blog/top-preventable-homeowners-insurance-claimsTop Preventable Homeowners Insurance ClaimsAvoid these home insurance claims. When most people think of home insurance claims, they often associate them with major disasters such as hurricanes, fires, and tornadoes. In these situations, there isn't much that the homeowner can do to avoid disaster. Fortunately, many homeowner losses are entirely...2019-09-26T05:00:00.000+00:008339https://www.bellblack.com/blog/why-people-put-off-buying-life-insurance-and-why-they-shouldntWhy People Put Off Buying Life Insurance (And Why They Shouldn’t!)Common reasons people don't buy life coverage. It's not uncommon for families to put off buying life insurance. The excuses that come up are usually the same. Purchasing life insurance may not seem like a priority but accidents can happen when you least expect them. When you put off buying life insurance,...2019-09-19T05:00:00.000+00:008338https://www.bellblack.com/blog/does-car-insurance-go-down-at-21Does Car Insurance Go Down at 21?Can auto insurance get cheaper when you're over 21? Most people know that drivers in their teenage years and early 20s  pay some of the highest premiums for auto insurance. As we get older, however, you may find that car insurance gradually lowers to more affordable premiums. To help you understand...2019-09-12T05:00:00.000+00:008337https://www.bellblack.com/blog/4-benefits-of-renters-insurance4 Benefits of Renters InsuranceTop reasons to obtain renters insurance coverage. Homeowners across the nation typically understand the importance of insuring one of the most expensive purchases they may ever make. Renters, on the other hand, may not understand the significance and benefits of renters insurance. Some might view renters...2019-09-05T05:00:00.000+00:008336https://www.bellblack.com/blog/preparing-for-a-power-outage-caused-by-a-stormPreparing for a Power Outage Caused by a StormHow to prepare for a power outage.   The weather can change in an instant, meaning that homeowners should always be prepared for the worst. Part of this preparation is to prepare for a power outage caused by a storm. Storms can bring strong winds and heavy rain that knock down power lines, leaving homes...2019-08-29T05:00:00.000+00:008335https://www.bellblack.com/blog/what-happens-to-insurance-if-my-car-is-repossessedWhat Happens to Insurance If My Car Is Repossessed?How to handle your insurance if your car is repossessed. If your car has been repossessed, you may be wondering what to do with your car insurance. After all, you're not using the vehicle anymore. But before you cancel coverage, here is what you should know. Don't cancel straight away If you...2019-08-22T05:00:00.000+00:008334https://www.bellblack.com/blog/tips-to-achieve-tech-life-balanceTips to Achieve Tech-Life BalanceUnplug from your devices to achieve a better life balance.   Most of us are glued to our smartphones, smartwatches, tablets, and computers for the majority of the day. In a world where we're more connected than ever before, it is often necessary to disconnect to recharge our own batteries. Technology...2019-08-15T05:00:00.000+00:008333https://www.bellblack.com/blog/what-to-do-and-what-not-to-do-when-filing-an-auto-insurance-claimWhat to Do and What Not to Do When Filing an Auto Insurance ClaimDo's and don'ts for filing an auto insurance claim.   Owning a car is the ultimate dream for many. It not only gets you from point A to point B, but it's your private space and you take pride in maintaining it. An auto insurance policy is a safety net that protects us from paying for damage and liability...2019-08-08T05:00:00.000+00:008332https://www.bellblack.com/blog/what-is-considered-a-clean-driving-recordWhat is Considered a Clean Driving Record?Do you know what a clean driving record looks like? Most motorists on today's roads like to think that they are good drivers. In reality, we've all made mistakes, bumped into things we didn't see, and accidentally nudged past the speed limit. In fact, many of us may have a history of making mistakes....2019-07-25T05:00:00.000+00:008331https://www.bellblack.com/blog/what-does-it-mean-for-a-business-to-get-bondedWhat Does It Mean for a Business to Get Bonded?What businesses should know about getting bonded. In today's business world, the importance of being bonded cannot be overstated. Many businesses are fueled by contracts, and surety bonds present an avenue for the proper implementation of those contracts. The phrase €œlicensed, bonded, and insured€...2019-07-18T05:00:00.000+00:008330https://www.bellblack.com/blog/tips-for-spending-summer-on-your-boatTips for Spending Summer on Your BoatStay safe when cruising the open waters this month. It's finally starting to feel like summer, and that means it's time to get that boat out on the water. Just remember to make sure that you and your boat are ready for the open waters ahead. Take a look at these tips to prepare yourself for spending...2019-07-11T05:00:00.000+00:008329https://www.bellblack.com/blog/whats-the-difference-between-a-home-warranty-and-home-insuranceWhat’s the Difference Between a Home Warranty and Home Insurance?Understand the differences between a home warranty and an insurance policy.  Owning a home is likely to be one of the greatest assets you'll ever have. Protecting this investment is not just smart, it's integral. The best way to do this is to purchase both a home insurance policy and a home warranty....2019-07-04T05:00:00.000+00:008328https://www.bellblack.com/blog/does-car-insurance-cover-rental-carsDoes Car Insurance Cover Rental Cars?Renting a vehicle? Consider your auto insurance coverage. You're renting a car for the week on vacation and you've managed to secure a great deal on a vehicle. When you're at the desk getting the keys, the attendant asks if you would like to purchase auto insurance coverage. Suddenly, you don't know...2019-06-27T05:00:00.000+00:008327https://www.bellblack.com/blog/smart-snacking-steps-for-your-next-road-tripSmart Snacking Steps For Your Next Road TripTips to keep you healthy on the road. The season of summer road trips is here! Whether you're traveling to another state or the next city, road tripping is one of America's much-loved ways to travel. Before you pack up the car for your summer adventure, be sure to consider these smart snacking tips....2019-06-20T05:00:00.000+00:008326https://www.bellblack.com/blog/what-you-should-know-about-borrowing-from-a-life-insurance-policyWhat You Should Know About Borrowing From a Life Insurance PolicyWhat to consider before you borrow against your life insurance policy.   When it comes to life insurance, not all policies are created equally. Certain types like whole and universal life insurance allow you to build cash value in the policy as you pay your premiums. For many families, this offers a...2019-06-13T05:00:00.000+00:008325https://www.bellblack.com/blog/whats-the-difference-between-a-homeowner-and-a-condo-owner-policyWhat’s the Difference Between a Homeowner and a Condo Owner Policy?What you should know about a condo and a home insurance policy. There are several types of structures that people call home. Houses have always been popular, but condos are attracting the attention of more people in recent years. Both can provide a comfortable home for any sized family, but the two...2019-06-06T05:00:00.000+00:008324https://www.bellblack.com/blog/is-there-such-a-thing-as-too-much-auto-insuranceIs There Such a Thing as Too Much Auto Insurance?What you should know about the optimum amount of auto insurance for your needs. It's common for people to think that they can skip out on securing a great quality car insurance policy. It's a required coverage for motorists, and people are keen not to spend too much on something they hope they never...2019-05-30T05:00:00.000+00:008323https://www.bellblack.com/blog/what-could-keep-you-from-getting-life-insuranceWhat Could Keep You From Getting Life Insurance?Factors that can keep you from getting life insurance. Life insurance can provide a financial safety net for your loved ones when you are no longer around. Purchasing a policy is an important part of protecting your family and planning future finances. However, some people may struggle to get approved...2019-05-23T05:00:00.000+00:008322https://www.bellblack.com/blog/key-things-to-always-know-about-your-home-insurance-policyKey Things to Always Know About Your Home Insurance PolicyImportant takeaways about home insurance coverage. A new home is most likely one of the most important investments you will ever make. The second most important investment is homeowners insurance. Before you pick a policy and then forget about coverage instantly, it's wise to know your policy inside...2019-05-16T05:00:00.000+00:008321https://www.bellblack.com/blog/6-mothers-day-gift-ideas-to-surprise-your-mom6 Mother’s Day Gift Ideas to Surprise Your MomCelebrate Mother's Day on May 12 with these great gift ideas. Mother's Day is right around the corner (May 12th) and some of us are yet to buy our mom a special gift. Mother's Day is a great time to show your mom that you love and care for her, yet no present can often do this justice. After all, how...2019-05-09T05:00:00.000+00:008320https://www.bellblack.com/blog/questions-shopping-home-insurance3 Questions to Ask When Shopping for Home InsuranceAsk these questions to help you find reliable homeowners insurance. For the majority of homeowners, buying a home is the most expensive purchase they'll ever make. It's also likely to be their largest asset and proudest possession. So, it makes sense to protect your investment with homeowners insurance....2019-04-25T05:00:00.000+00:008319https://www.bellblack.com/blog/simple-home-earth-daySimple Changes to Make in the Home for Earth DayEarth Day is on March 22nd! Here's how to celebrate. It's almost World Earth Day! Planet Earth has been kind to us, yet we have not been as kind back. It's time to take stock of things that we can do to protect the environment and help Mother Nature thrive. Here are some ways you can benefit the planet...2019-04-18T05:00:00.000+00:008318https://www.bellblack.com/blog/buy-uninsured-motorist-coverageWhy Buy Uninsured Motorist Coverage?Do you need uninsured/underinsured motorist coverage? Is there anything worse than being injured in an auto accident caused by someone else's negligence, resulting in a mountain of medical bills, vehicle repair expenses, and time away from work? What if the at-fault driver does have any or enough insurance...2019-04-11T05:00:00.000+00:008317https://www.bellblack.com/blog/healthier-save-moneyHow Getting Healthier Can Save You MoneyTips to get healthier so you save money.   Even if you already have a great health insurance policy in place, you may hope that you never have to use it. You may even wonder how to save yourself money.  One way to save money on your health insurance policy is to get healthier. Here's how you can save...2019-04-04T05:00:00.000+00:008316https://www.bellblack.com/blog/suggestions-creating-effective-wellness-programSuggestions for Creating an Effective Wellness ProgramTips to help you create an effective wellness plan for your team. Any business owner knows just how valuable employees are to the success of the company. Implementing employee wellness programs can help to benefit your team as well as reduce your company's health care costs. Employees who participate...2019-03-28T05:00:00.000+00:008315https://www.bellblack.com/blog/bad-driving-habits-affect-auto-insurance-rateBad Driving Habits That Can Affect Your Auto Insurance RateSave money on your auto insurance by adopting safe driving habits. As motorists get used to the roads, their Driver's Ed safety skills start to slip. However, speeding and rolling through stop signs, no matter how experienced you are, is never safe. Driving safely should be second nature to all on...2019-03-21T05:00:00.000+00:008314https://www.bellblack.com/blog/st-patricks-day-factsFive Fun St. Patrick’s Day FactsDo you know these lesser-known facts about the Irish celebration? Known for the day of wearing green and downing pints of Guinness, few Americans understand the history behind the Irish St. Patrick's Day. To prepare you for March 17th, here's a list of lesser-known facts about St. Patrick's Day! ...2019-03-14T05:00:00.000+00:008313https://www.bellblack.com/blog/top-tips-home-ready-springTop Tips on How to Get Your Home Ready for SpringPrepare for the season ahead with these easy home maintenance tasks. Ah, spring. With fresh flowers, cut grass, and a bit more sunshine, it's easy to sit back, relax, and enjoy the season. But before you head outside and enjoy the warmer weather, spare a thought for your home. It has seen you through...2019-03-07T05:00:00.000+00:008312https://www.bellblack.com/blog/avoid-business-insurance-risks3 Business Insurance Risks to AvoidYour business might get caught out if you make these commercial insurance mistakes. Every business owner wants to protect their company as best they can. You may even spend much of your time weighing up important decisions and analyzing risks that your business should take. Risks that business owners...2019-02-28T05:00:00.000+00:008311https://www.bellblack.com/blog/ways-reduce-homeowners-insurance-premium3 Ways to Reduce Your Homeowners Insurance PremiumTips to decrease your home insurance premium.   If you're like most homeowners, you work hard to protect your home. The cost of insuring a home has been on the rise, but there are steps homeowners can take to reduce their coverage costs. Take a look at these tips to trim back your home insurance premium...2019-02-21T05:00:00.000+00:008310https://www.bellblack.com/blog/its-national-heart-month-load-heart-healthy-foodsIt’s National Heart Month – Load Up on These Heart-Healthy FoodsImprove your heart's condition by incorporating these foods into your diet. February may be associated with all things Valentine's, red, and heart-related, but did you know that it's also National Heart Month? We're not talking about perfect red hearts on cards to send to your loved one this month....2019-02-14T05:00:00.000+00:008309https://www.bellblack.com/blog/cars-insured-policyHow Many Cars Can Be Insured on the Same Policy?Properly protect your family cars on the right auto insurance policy.   Does your family have a growing garage full of cars? If so, you will be looking to save on insuring them all. Adding more than one car to your policy is a clever and easy way to save on your car insurance. Bundling all of your vehicles...2019-02-07T05:00:00.000+00:008308https://www.bellblack.com/blog/importance-general-liability-startThe Importance of General Liability for Your Start UpWhy is general liability insurance good for start-up businesses?  Launching a start-up business is an exciting way to follow your passion and grow your company. Between the €œlightbulb€ moment and achieving viability in your market, you will face many important decisions that will ultimately determine...2019-01-31T05:00:00.000+00:008307https://www.bellblack.com/blog/speeding-ticketWhat to Do When You Get a Speeding TicketTips to help you navigate the situation of getting a speeding ticket.  No one likes to see those blue flashing lights behind them. Whether you nudged over the speed limit or you knew you were speeding, it can be a heart-sinking moment to get pulled over by the police. To help you know what to do, read...2019-01-24T05:00:00.000+00:008306https://www.bellblack.com/blog/first-time-auto-insurance-startFirst-Time Auto Insurance: Where to StartTips to help you secure reliable first-time auto insurance.   Whether you've just passed your driving test or you've finally bought yourself your first car, getting auto insurance for the first time can be daunting. There is new terminology to contend with and many insurance policies and agents to decide...2019-01-17T05:00:00.000+00:008305https://www.bellblack.com/blog/year-resolve-review-insuranceThis New Year, Resolve to Review Your InsuranceTake the time to review your insurance policies this year. Although you may have made some good New Year's resolutions, be sure you aren't leaving anything to chance. A great way to resolve to better protect your assets and finances is to review your insurance policies. Even a quick review can make...2019-01-10T05:00:00.000+00:008304https://www.bellblack.com/blog/additional-insured-business-insuranceWhat is an “Additional Insured” in Business Insurance?What you should know about an Additional Insured.   You may think you know the ins and outs of your business insurance, but do you know what an additional insured is and when this applies to your business? Here's what you should know about an additional insured. When subcontractors perform work for...2018-12-27T05:00:00.000+00:008303https://www.bellblack.com/blog/didnt-commercial-insurance-coverWhat You Didn’t Know Commercial Insurance Could CoverLesser-known commercial insurance coverages.   As a business owner, you've secured your necessary insurance and know that you have reliable protection. If you're looking to get the best protection for your company, you may need to consider taking a better look at your policy. Take a look at these lesser-known...2018-12-20T05:00:00.000+00:008302https://www.bellblack.com/blog/4-ways-stay-active-winter4 Ways to Stay Active Over WinterYour top cold weather fitness tips.  When the temperatures drop and the dark nights draw in, it's easy to fall into the habit of staying indoors and pushing away your fitness goals. However, just because winter rolls around doesn't mean you need to give up exercising. Sure, a trek to the gym in the...2018-12-13T05:00:00.000+00:008301https://www.bellblack.com/blog/stay-safe-shopping-gifts-onlineHow to Stay Safe While Shopping for Gifts OnlineOnline shopping tips to keep your pocket safe this season. There's nothing quite like getting all of your holiday shopping done from the comfort of your sofa. These days, retailers offer online-exclusive products and discounts that are often too good to miss. However, if you're going to be getting...2018-12-06T05:00:00.000+00:008300https://www.bellblack.com/blog/ways-health-plan-youre-healthy3 Ways to Use Your Health Plan When You’re HealthyMake the most of your health insurance plan with these tips.   We often hear consumers say that health insurance is expensive. But, imagine the cost of your medical bills if you didn't have this form of reliable protection! Unfortunately, a lot of people do not utilize their health insurance plan to...2018-11-29T05:00:00.000+00:008299https://www.bellblack.com/blog/important-steps-winterize-businessImportant Steps to Winterize Your BusinessPrepare your business for winter weather ahead.   Winter is right around the corner, which means now is the perfect time for business owners to understand how they can protect their property. From rain and wind to snow and ice, winter brings some harsh weather conditions. Now might be your last chance...2018-11-15T05:00:00.000+00:008298https://www.bellblack.com/blog/protect-home-power-outagesHow to Protect Your Home From Power OutagesGet your home and appliances ready for winter power outages. Most of us are unaware of just how often we rely on electricity every day. It's only when we're trying to find a flashlight in the dark that we realize electricity is an integral part of our daily life from the coffee pot to our lights to...2018-11-13T05:00:00.000+00:008297https://www.bellblack.com/blog/thanksgiving-driving-safety-tipsTop Driving Safety Tips for Your Thanksgiving DriveSteer your way to a safe Thanksgiving with these tips. Thanksgiving is right around the corner! Are you prepared? Soon, millions of Americans will be taking to the roads to drive to the airport or to their Thanksgiving destination. Whether you're heading out to see friends and family, or if you're having...2018-11-08T05:00:00.000+00:008295https://www.bellblack.com/blog/ways-home-ready-halloweenWays to Get Your Home Ready for HalloweenPrepare your home for the spooky season ahead!  Halloween is one of the best times of the year. Whether you're hosting a scary Halloween party or waiting for little trick-or-treaters, you may be opening up your home for the holiday. If so, it's important to spend a bit of time making your home a safe...2018-10-18T05:00:00.000+00:008296https://www.bellblack.com/blog/emergency-planning-tips-small-businessesSmall Business Emergency Preparedness TipsEmergency planning for small business owners. As a business owner, it's important to be one step ahead of the game, whether it's your competition or risk management. As a small business owner, you may not even think about emergency planning, but the reality is that disasters can happen to any company....2018-10-12T05:00:00.000+00:008294https://www.bellblack.com/blog/floodWhat to Do After a FloodHow to tend to your home after a flood. One of the most damaging and devastating things you can ever experience as a homeowner is a flood. The damage caused can be extensive and incredibly upsetting. Household floods can be caused by heavy rainstorms, sewer back-up, a malfunctioning sump-pump, burst...2018-10-11T05:00:00.000+00:008293https://www.bellblack.com/blog/ways-prepare-car-fall4 Ways to Prepare Your Car for FallTips to help you prepare your vehicle for fall weather.   Fall is here. The days are getting shorter, the leaves are starting to change color, and the temperatures have noticeably dropped. For car owners, cooler weather and slippery roads bring new driving challenges. Fall is a great time to get your...2018-10-04T05:00:00.000+00:008292https://www.bellblack.com/blog/fall-home-maintenance-tasks-avoid-costly-insurance-claimsYour Fall Home Maintenance Tasks to Avoid Costly Insurance ClaimsPrevent home woes down the line by tending to your home this fall.   We are officially three days into fall! While the smell of pumpkin spiced lattes is already in the air, we should spare some time to think about prepping our homes for the autumn and winter ahead. The cooler months can be grueling for...2018-09-27T05:00:00.000+00:008291https://www.bellblack.com/blog/manage-small-business-insurance-costsHow to Manage Your Small Business Insurance CostsTips to better manage your insurance costs as a business.  Whether you've been in business for years or you're a recent start-up company, you may always be looking for ways to cut costs. As a small business, you understand how valuable it is to stay on top of finances. Your small commercial insurance...2018-09-20T05:00:00.000+00:008290https://www.bellblack.com/blog/tree-maintenance-tips-healthy-yardTree Maintenance Tips for a Healthy Yard Prevent property damage by keeping your trees in good condition. The trees in your yard can enhance your property, provide shade, and offer numerous environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not cared for. Now that we are approaching...2018-09-13T05:00:00.000+00:008289https://www.bellblack.com/blog/safeguard-car-theftHow to Safeguard Your Car From Theft Keep your car safe from theft with these tips.   Finding out that your vehicle has been stolen is a scary scenario for motorists. You can find yourself in a state of panic and worry, since losing your car is a significant financial responsibility. However, most theft is a result of breaking-and-entering,...2018-09-06T05:00:00.000+00:008288https://www.bellblack.com/blog/26-heres-find-health-insuranceAlmost 26? Here’s When to Find Health Insurance How to look into getting health insurance coverage as a 26-year-old. 18 years old. 21. 30. These are all milestone birthdays that most of us look forward to. They signal a new chapter in our life, one with more freedom and responsibility. There's another milestone birthday, though not as celebrated,...2018-08-30T05:00:00.000+00:008287https://www.bellblack.com/blog/college-kid-insuranceDoes Your College Kid Need Insurance? Insurance your college student may need. Now that back to school season is in full swing, college kids are getting ready for the new semester. If you, as a parent, are sending your child off to college, you may want to consider protecting him or her and their belongings with quality insurance. Read...2018-08-23T05:00:00.000+00:008286https://www.bellblack.com/blog/defensive-driving-tipsDefensive Driving Tips Everyone Should Know Tips to help keep you and others safe on the road.   Car accidents continue to be one of the leading causes of death across the nation. Despite the fact that cars are safer than ever, they are still driven by human beings who, let's face it, often have trouble maintaining basic safety practices. Fortunately,...2018-08-16T05:00:00.000+00:008285https://www.bellblack.com/blog/commercial-insurance-premium-calculatedHow is Your Commercial Insurance Premium Calculated?Know what insurers look at to determine your business insurance premium.   How is my business insurance premium calculated? It's a frequently asked question and one that every business owner is right to ask. It's natural to want to know what factors are contributing to the cost of your premium, so you...2018-08-09T05:00:00.000+00:008284https://www.bellblack.com/blog/vehicle-impacts-auto-insuranceHow Your Vehicle Impacts Your Auto InsuranceSelect your next vehicle wisely to keep your car insurance rates low.  When insurers calculate how much a motorist should pay for insurance, they take into account a lot of considerations. While your age, location, credit score, and more will be considered, everything about your car, including the year,...2018-07-26T05:00:00.000+00:008283https://www.bellblack.com/blog/steps-ensure-life-insurance-paysTake Steps to Ensure Your Life Insurance Pays OffHow to make sure your life insurance is paid out. If you have a life insurance policy, you have already taken the first positive step to protecting your loved ones' financial futures. While you may think all you have to do is purchase the policy and then forget about it, it is a good idea to manage...2018-07-19T05:00:00.000+00:008282https://www.bellblack.com/blog/insurance-online-businessDo I Need Insurance for Your Online Business?Know how to protect your digital business venture. You've finally done it! You've taken your dream of business ownership to the internet and started your career as an entrepreneur. Whether you're selling product or services online, today's digital marketplace makes it possible to succeed with a little...2018-07-12T05:00:00.000+00:008281https://www.bellblack.com/blog/stay-top-home-maintenance-tasksStay on Top of These Home Maintenance TasksEssential home maintenance tasks for every season. Taking care of your home is not a one-time task; it's a year-round job. Every season, new challenges arise and you must do your best to sustain the health and condition of your property. Be sure to schedule these tasks for each season to improve your...2018-07-05T05:00:00.000+00:008280https://www.bellblack.com/blog/handle-business-interruptionHow Would You Handle Business Interruption?What you should know about business interruption insurance. Disasters can strike at any time, causing many companies to go under. Even the ones that don't may have to close their doors to recover temporarily. When a major accident hits, most businesses turn to their insurance for the coverage and protection...2018-06-28T05:00:00.000+00:008279https://www.bellblack.com/blog/exercise-tips-motivated-summerExercise Tips to Keep You Motivated Throughout Summer Keep to your fitness goals over summer.  Whether you're taking your workout outside in the sunshine or are ready to try something new with your fitness regimen this summer, staying motivated may be one of your biggest challenges. The warm weather and longer days can make it that much harder to keep...2018-06-21T05:00:00.000+00:008278https://www.bellblack.com/blog/handle-hit-run-accidentHow to Handle a Hit and Run Accident How to handle the situation of getting involved in a hit-and-run accident.   Being involved in a car accident is no joy ride for anyone. To make it worse, the person who knocked into your car has taken off and failed to claim responsibility. Such an incident can leave you feeling physically and mentally...2018-06-14T05:00:00.000+00:008277https://www.bellblack.com/blog/reasons-location-influences-home-insurance-ratesHow Location Influences Home Insurance Rates Understand how your location affects your home insurance rate. Your homeowners insurance premium is made up of several different factors. From the coverage you select to your credit history, no two people will receive the same premium for their properties. A large influencer of your premium is the...2018-06-07T05:00:00.000+00:008276https://www.bellblack.com/blog/workplace-trends-improve-business-growthThese Workplace Trends Can Improve Your Business GrowthChanges businesses should consider to continue to grow. The workplace isn't what is used to be. Globalization, politics, technology, and cultural changes are changing not only what workers do, but also where they do it. When the times change, your business needs to change, too. Business owners who want...2018-05-24T05:00:00.000+00:008275https://www.bellblack.com/blog/superfoods-naturally-blood-pressureSuperfoods That Naturally Lower Blood PressureFoods to eat to control high blood pressure. Did you know that May is National Blood Pressure Month? While many of us are preoccupied with spring cleaning and celebrating Mother's Day, it's important to not to forget about this all-important issue. High blood pressure or hypertension can overwork our...2018-05-17T05:00:00.000+00:008274https://www.bellblack.com/blog/common-reasons-cars-break3 Common Reasons Cars Break DownPossible reasons your car has broken down. Cars are immensely complicated devices combining sophisticated mechanical and electronic components. There's a lot that can go wrong, even if you perform annual maintenance and drive safely. However, there are some reasons for breakdowns that are much more common...2018-05-10T05:00:00.000+00:008273https://www.bellblack.com/blog/tips-personal-property-appraisalTips for Getting a Personal Property AppraisalHow to insure your personal property for the right value. From jewelry and antiques to rare collections, there are certain items you may own that you can't imagine losing. These items could be possessions you deeply cherish, collections that you've dedicated a lot of time to, or something that would...2018-05-03T05:00:00.000+00:008272https://www.bellblack.com/blog/questions-purchasing-life-insuranceQuestions to Ask Yourself Before Purchasing Life Insurance Before you purchase a life insurance policy, first ask yourself these questions. Buying life insurance is an important decision, but it can also prompt additional questions. From deciding how much coverage you might need to naming beneficiaries, finding the right coverage requires a lot of thought....2018-04-26T05:00:00.000+00:008271https://www.bellblack.com/blog/ways-celebrate-earth-day-home5 Ways to Celebrate Earth Day in the Home Eco-Friendly Tips for the Home It's that time of year again - It's Earth Day on April 22! For most people it goes under the radar, unnoticed, and uncelebrated. In a society where we honor each other with celebrating birthdays, Mother's/Father's Day, Christmas, etc., let's come together and honor the...2018-04-19T05:00:00.000+00:008270https://www.bellblack.com/blog/small-businesses-umbrella-insuranceDo Small Businesses Really Need Umbrella Insurance? How small businesses can benefit from umbrella insurance. Being adequately insured is a must for any business owner. Small business owners are no exception. No business is too big or too small to need reliable and quality coverage. Some small businesses mistakenly believe that their business does not...2018-04-12T05:00:00.000+00:008269https://www.bellblack.com/blog/rental-car-insuranceDo You Need Rental Car Insurance? Determine if you need rental car insurance. With every car rental transaction comes the slightly uncomfortable moment when the agent behind the counter tries to sell the company's auto insurance on you. In some cases, taking out this insurance is a smart financial choice. However, it's not always necessary...2018-04-05T05:00:00.000+00:008268https://www.bellblack.com/blog/ways-water-bill5 Ways to Lower Your Water BillSave money on your utility bills. Saving money on your utilities is one of the best ways to create a situation in which you add up money over time. While a couple dollars every month may not seem like a lot of money to save each month, the reality is that those savings add up over the months and years....2018-03-29T05:00:00.000+00:008267https://www.bellblack.com/blog/daily-safety-practices-ensure-workplaceDaily Safety Practices to Ensure in Your WorkplaceEasy steps to keep the workplace a safe environment. As a business owner, you do what you can to protect your company. From locking the business doors at night to securing the right commercial insurance, there are many ways to safeguard your investment. What many owners forget is that the workplace...2018-03-22T05:00:00.000+00:008266https://www.bellblack.com/blog/tips-reduce-allergens-homeTips to Reduce Allergens Around the HomeCombat allergens in the home to prevent sniffs and sneezing. If your house feels stuffy, allergens may be visiting. Bust out this go-to cleaning checklist to beat allergens from pollen, pet dander, and dust mite debris. Keep your family breathing happily at home with these tips. Clean up your routine....2018-03-15T05:00:00.000+00:008265https://www.bellblack.com/blog/repair-replace-carShould You Repair or Replace Your Old Car?How to decide whether your broken, old car is worth repairing or replacing. When something goes wrong with your vehicle, it's tempting to fear the worst. When your car is 11 years old, it's easy to think that its useful life is now over. While it may have a few scratches, you want to hang onto it because...2018-03-08T05:00:00.000+00:008264https://www.bellblack.com/blog/tips-prepare-tax-seasonTips to Prepare for Tax SeasonTry out these suggestions to gear up for tax season. With tax season right around the corner, you might be feeling the pressure.  Luckily, there are things that you can do to take some of the stress out of filing.  Try out these suggestions to help you prepare for this year's tax season. Organize Your...2018-02-22T05:00:00.000+00:008263https://www.bellblack.com/blog/life-insurance-newlywedsLife Insurance for NewlywedsHere's why newlyweds should consider getting life insurance. While most people do not consider getting life insurance until they start a family, there are some distinct advantages of getting coverage earlier in life.  In fact, there are many reasons why you should consider investing in a policy.  Here...2018-02-15T05:00:00.000+00:008262https://www.bellblack.com/blog/protect-business-common-risksProtect Your Business from These Common RisksLearn how you can safeguard your business against these dangers. If you are a business owner, you know that your company faces some serious risks.  Luckily, there are steps that you can take to protect against these threats.  If you want to keep your business safe, here are some of the precautions you...2018-02-08T05:00:00.000+00:008261https://www.bellblack.com/blog/reasons-car-insurance-rates-changedReasons Why Your Car Insurance Rates ChangedHere are some of the factors that might have affected your auto insurance. If you noticed that your auto insurance premiums have changed, there are several different explanations for this rate adjustment.  It's important to keep in mind that auto insurance companies calculate your premiums based on your...2018-02-01T05:00:00.000+00:008260https://www.bellblack.com/blog/business-owners-policy-coverWhat Does My Business Owner’s Policy Actually Cover? Business Owner's Policy Coverage A Business Owner's Policy (BOP) is a convenient package that combines General Liability with coverage for your business property, inventory, and your building (if you own it). In addition, it can also cover the property of others that is in your care, custody or control....2018-01-25T05:00:00.000+00:008259https://www.bellblack.com/blog/maintain-water-heaterHow to Maintain Your Water Heater Water Heater Maintenance Tips  You may not realize how often you use your home's water heater - but that changes the moment it breaks. To help it run worry-free and even extend its life, check out these water heater maintenance tips. Drain Your Water Heater Always read over your owner's manual before...2018-01-18T05:00:00.000+00:008258https://www.bellblack.com/blog/living-willWhat is a Living Will? What to Know About End-of-Life Medical Care  A living will, despite its name, is not at all like the wills that people use to leave property at their death. A living will is a document that lets people state their wishes for end-of-life medical care in case they are unable to communicate their decisions....2018-01-16T05:00:00.000+00:008257https://www.bellblack.com/blog/driving-habits-avoid-winterDriving Habits to Avoid This Winter Bad Driving Habits to Avoid in Winter The weather outside is frightful, meaning it's that time of year when the mornings are cold and dark and the roads are slick. Winter road conditions call for safer and better driving responses from motorists. You may be making things more dangerous for yourself...2018-01-11T05:00:00.000+00:008256https://www.bellblack.com/blog/small-business-prepared-winter-stormIs Your Small Business Prepared for a Winter Storm? Winter storms may be approaching - is your business ready? While the festivities may be over, the winter has only just begun. With winter comes adverse weather conditions and the possibility of wind and rain storms. It's not ideal for any business to shut down due to a storm, but your company can take...2017-12-28T05:00:00.000+00:008255https://www.bellblack.com/blog/review-insurance-policies-yearShould You Review Your Insurance Policies at the End of the Year? A review of your insurance policies means that you enter the New Year protected. The end of the year is nearing and many of us are getting ready for our New Year's Eve bash. Before we enter the New Year, it's important to ensure that you're protected with the right insurance. After all, you want to...2017-12-21T05:00:00.000+00:008254https://www.bellblack.com/blog/give-giving-seasonHow to Give Back During Giving Season Check out these ways to give back to your local community.   With the holiday season upon us, we're consumed with gifts and festivities. However, now, more than ever, is when the needy and less fortunate than us need our help. From animals to seniors to the homeless, a few moments out of our day or...2017-12-14T05:00:00.000+00:008253https://www.bellblack.com/blog/haves-winter-car-kitMust Haves for Your Winter Car Kit Stock your vehicle for the winter months ahead. If your hometown's familiar with extreme winter weather, you already know how important it is to be prepared. While the winter is full of festivities, family, and fun, it's also a season where you could find yourself freezing, stranded on the side of the...2017-12-07T05:00:00.000+00:008252https://www.bellblack.com/blog/avoid-entrepreneurial-burnoutHow to Avoid Entrepreneurial Burnout Ensure that you stay able to run your business by avoiding burnout. Believe it or not but entrepreneurial burnout is a real phenomenon and one that's hard to avoid - unless you know the major root causes that lead to it. Burnout often sets in when an entrepreneur is overstressed, disinterested in their...2017-11-30T05:00:00.000+00:008251https://www.bellblack.com/blog/home-safe-carbon-monoxideIs Your Home Safe from Carbon Monoxide? As the winter approaches, now is the time to ensure your property doesn't have any CO leaks. The temperatures are predicted to drop for the winter months, which means furnaces and coal stoves will be working overtime. This isn't a bad thing for homeowners, except for the threat of carbon monoxide,...2017-11-21T05:00:00.000+00:008250https://www.bellblack.com/blog/skills-teach-teen-driver3 Skills You Should Teach Your Teen Driver Improve your teen's confidence behind the wheel by teaching them how to handle these tricky situations. Not all of us take to driving like a duck to water. In fact, learning how to drive takes rigorous hard work, many hours of practice, and adopting a whole new skillset. While the professional instructor...2017-11-16T05:00:00.000+00:008249https://www.bellblack.com/blog/save-electricity-costs-temperatures-plummetHow to Save on Electricity Costs as Temperatures Plummet Prevent that precious, expensive hot air escaping from your home this winter. Winter is almost here and that means wrapping up warm and keeping our homes cozy. If you, like most homeowners, dread the thought of the cooler weather, know that you can you help to keep your house warm without breaking...2017-11-09T05:00:00.000+00:008248https://www.bellblack.com/blog/halloween-safety-tips-homeHalloween Safety Tips for Your Home Keep all your Halloween visitors safe this year. Between trick-or-treaters, party-goers, and other Halloween guests, your home will be getting a ton of foot traffic this year. Before Halloween night hits, make sure your home is prepared to receive guests. Follow these easy home safety tips to make sure...2017-10-26T05:00:00.000+00:008247https://www.bellblack.com/blog/national-security-awareness-month-ways-reduce-cyber-liability-risksNational Security Awareness Month: Ways to Reduce Cyber Liability Risks Learn how to keep your business safe online. The Internet can be a business's greatest asset, but it can also pose some very serious risks.  For instance, the cost of a single data breach could be enough to make a business close their doors forever.  To prevent issues like this, it's important for businesses...2017-10-19T05:00:00.000+00:008246https://www.bellblack.com/blog/factors-affect-home-insurance-premiumFactors that Affect Your Home Insurance Premium Here are some of the factors that affect your home insurance rates. Ever wonder why your home insurance agent asks you such strange questions?  Well, these seemingly random questions are all part of calculating your home insurance premium.  Generally, insurance companies base your premium off of your...2017-10-12T05:00:00.000+00:008245https://www.bellblack.com/blog/handle-car-accidentHow to Handle a Car Accident Learn how to handle a car accident calmly and effectively. Getting into a car accident can rattle even the most relaxed driver.  However, if you are ever in an accident, it's important to stay calm and handle the situation carefully.  Because there are a lot of little steps you have to remember in the...2017-10-05T05:00:00.000+00:008244https://www.bellblack.com/blog/easy-time-management-hacks-adoptEasy Time Management Hacks to Adopt Streamline your busy schedule with these time management tips.  Do you ever feel as if there aren't enough hours in the day? Whether you have a list of things to do or simply keep facing hurdle after hurdle, you may struggle to feel like you're being productive. Entrepreneurs lead a busy and overwhelming...2017-09-28T05:00:00.000+00:008243https://www.bellblack.com/blog/business-offer-benefits-suit-millennialsDoes Your Business Offer Benefits to Suit Millennials? Gear your business to provide benefits for Millennial employees. Any business looks to attract, employ, and maintain top working talent. The employees are the sturdy workforce of each company and can drive it forward. Finding the right staff comes easily with a good role, perks, and a stable management....2017-09-21T05:00:00.000+00:008242https://www.bellblack.com/blog/choose-home-insurance-deductibleHow Do I Choose the Right Home Insurance Deductible? Get the most out of your home insurance with a deductible to suit your needs. Choosing the right deductible is vital to protecting your home and finances. Every policy has a deductible so every person buying homeowners insurance will have to make this decision (no, there's no avoiding it!). Selecting...2017-09-14T05:00:00.000+00:008241https://www.bellblack.com/blog/fall-driving-dangersManeuver Around These Fall Driving Dangers Switch safety gears and review your auto insurance for fall.  The fall season is upon us, and we're welcoming in changing leaves, cooler nights, and the festive season. While we're enjoying the colors of autumn, motorists face a new set of challenges while driving on the roads. From fallen leaves to...2017-09-07T05:00:00.000+00:008240https://www.bellblack.com/blog/improve-cars-fuel-efficiencyHow to Improve Your Car’s Fuel Efficiency Cut down on gas consumption by adopting these fuel-saving habits. Do you find yourself constantly stopping at the gas station to top up your tank? If so, you may need to reassess your driving habits. Simply driving a little more carefully and cautiously can do wonders for your wallet - and the environment! Use...2017-08-24T05:00:00.000+00:008239https://www.bellblack.com/blog/add-ons-auto-insuranceAre Add-Ons for Auto Insurance Worth It? Does your auto insurance need all of the added bells and whistles? A typical car insurance policy covers you from having to pay for damages that you cause. However, for truly personalized coverage that protects you from all sorts of accidents and financial hardships, auto insurance add-ons are available....2017-08-17T05:00:00.000+00:008238https://www.bellblack.com/blog/home-insurance-policy-affordableHow to Make Your First Home Insurance Policy Affordable Buying a home? Don't lose money with an over-priced home policy. After an exhausting process of finding the perfect starter home, buying the first homeowners insurance policy that you can find sounds pretty good. While this is tempting, it's important not to do this. Home insurance is just as crucial...2017-08-10T05:00:00.000+00:008237https://www.bellblack.com/blog/household-items-recycle7 Household Items You Should Recycle Recycling is easier than ever - check out top household items to always recycle. The average person in the United States generates around 4.5 pounds of waste every single day! Times that by 300 million and you can see why litter has become a serious problem in this country. Recycling saves valuable...2017-08-03T05:00:00.000+00:008236https://www.bellblack.com/blog/smoother-growth-small-businessesSteps to Smoother Growth for Small Businesses Use these practices to produce smoother growth for small businesses. When you first started your business, you probably did a lot of research. You may have sought help from advisors and taken pointers from the experts. In short, you invested a lot of time and money to get your business off the ground....2017-07-27T05:00:00.000+00:008235https://www.bellblack.com/blog/natural-ways-boost-energyNatural Ways to Boost Energy Instead of hitting the caffeine to wake you up midday, opt for natural remedies that are free from sugar crashes and lethargy. Are you finding yourself beaten down by the winter blues? Perhaps you're in that mid-holiday slump where you feel drained of all energy? If so, fear not! Instead of downing...2017-07-20T05:00:00.000+00:008234https://www.bellblack.com/blog/conduct-home-inventoryHow to Conduct a Home Inventory Part of keeping your home safe is protecting it with reliable homeowners insurance. You may think that you know exactly what is in your home. However, when it comes to the aftermath of a disaster, and you have to list which items you've lost, valuing your personal property from memory is harder than...2017-07-13T05:00:00.000+00:008233https://www.bellblack.com/blog/pet-road-tripTips for Road-Tripping with Pets A complete guide to taking road trips with your pet. Taking your pet on a road trip always seems like a good idea. However, it's not quite as simple as opening the car door and letting Fluffy jump in. But with a little preparation, a long road trip doesn't have to be difficult. Visit the Vet It's...2017-07-06T05:00:00.000+00:008232https://www.bellblack.com/blog/insure-home-businessHow to Insure Your Home Business Running a home-based business isn't easy, here's how you can insure it to protect your business equipment. If you run a business from the comfort of your own home, you may not have enough insurance to protect your business equipment. A standard homeowners insurance policy provides only $2,500 coverage...2017-06-22T05:00:00.000+00:008231https://www.bellblack.com/blog/healthy-office-snack-ideasHealthy Office Snack Ideas Offering a selection of healthy snacks helps your team to stay on point. You expect your staff to spend a lot of time at the office, so why not try to make the most of it? Offering tasty and healthful snacks can help keep energy, spirits, and productivity up - all at a relatively low cost for your business....2017-06-15T05:00:00.000+00:008230https://www.bellblack.com/blog/tips-buying-business-insuranceTop Tips for Buying Business Insurance Shopping for your business' insurance policy? Here's what you need to consider first. No two businesses are alike. Similarly, no two companies share the same risks and threats that can impact the stability, finances, and staff. Buying business insurance for your small company can be a frustrating process....2017-06-08T05:00:00.000+00:008229https://www.bellblack.com/blog/reasons-people-dont-buy-life-insuranceReasons Why People Don’t Buy Life Insurance While most people need this coverage, many don't purchase it. We take a look at why. Being a responsible adult means that you make your bed every morning, pay your bills on time, and ensure that your loved ones are financially safeguarded if you unexpectedly leave them behind. For the latter, this doesn't...2017-06-01T05:00:00.000+00:008228https://www.bellblack.com/blog/home-insurance-coverageDo You Have Enough Home Insurance Coverage? Determine if you have the right amount of homeowners insurance for your needs. Your home is your castle, and you likely do everything you can to protect it. From locking the doors at night to turning off the water supply while you're out of town, there's a lot that you can do to safeguard your home....2017-05-25T05:00:00.000+00:008227https://www.bellblack.com/blog/top-tips-buying-carTop Tips for Buying a New Car Buying a car - made simple! Is your car on its last legs? Have you finally saved up enough money to purchase your dream vehicle? Whatever your reason, looking for a new (or new-to-you) vehicle is an exciting time for all. Buying a car can total a lot of money, so it's wise to go into this investment...2017-05-18T05:00:00.000+00:008226https://www.bellblack.com/blog/employee-retention-tips-workEmployee Retention Tips That Work! Keep your best team members with tricks for employee retention. Employee retention is a top concern for many employers. Hiring and training processes cost time and money, and as a result, turnover costs time and money. Because of this, companies would rather spend money on ways to improve employee...2017-05-11T05:00:00.000+00:008225https://www.bellblack.com/blog/scheduled-car-maintenanceHow to Handle Scheduled Car Maintenance Care for your car by scheduling routine maintenance. Auto technicians say the key to keeping the vehicle running well today is routine maintenance. Many drivers tend to stall when it comes to keeping up with some everyday auto basics. A regular service schedule can help keep your car running its best....2017-05-04T05:00:00.000+00:008224https://www.bellblack.com/blog/hidden-garage-dangersTop Hidden Dangers in Your Garage Are these hazards lurking in your garage? Garages seem to accumulate stuff no matter how diligent you are about keeping it organized. Among some of the clutter, hidden dangers may be lurking in the dark or even right out in the open. Be aware of these dangers that may be lurking in your garage. Fire...2017-04-27T05:00:00.000+00:008223https://www.bellblack.com/blog/organize-business-tipsWhy Organizing Your Business Matters Take the time to organize your business to set it up for success. Organizing your business is vital for it to thrive long term. Along with establishing a sense of structure and order, an organized business and workplace promotes healthy team spirit! In turn, your business will run more efficiently. If...2017-04-20T05:00:00.000+00:008222https://www.bellblack.com/blog/home-disaster-coverageHow to Make Sure Your Home is Properly Covered for a Disaster Protect your biggest investment by ensuring it's covered. Your home is your castle. When accidents happen, your homeowners insurance is there to pick up the pieces. But is it? Many homeowners don't realize that they lack coverage, or worse, don't have the right coverage for their home. When a disaster...2017-04-13T05:00:00.000+00:008221https://www.bellblack.com/blog/de-stress-daily-commuteFive Ways to Make Your Commute Less Stressful Make the most of your daily commute by following these tips. Your daily commute, whether you get behind the wheel and drive or hop on a bus, doesn't have to be a bad experience. Commuting can be a stressful process, from traffic to delayed buses. To enjoy, rather than endure, the commute, check out...2017-04-06T05:00:00.000+00:008220https://www.bellblack.com/blog/improve-business-transparencyGetting Your Business on Track with Transparency How and why should you make your business more transparent? Would you trust a company with hidden agendas, false information, and unknown business practices? Probably not. It's clear that in today's society, there is a real need for businesses to be open - with both customers and employees. Withholding...2017-03-30T05:00:00.000+00:008219https://www.bellblack.com/blog/parent-life-insuranceNew Parents: Your Life Insurance Must-Knows Bringing the baby home from the hospital means that your immediate priorities change. As a new parent, it's easy to get caught up in bottle feeding, sleeping, and keeping your baby happy and healthy. Even with a lot on your plate, it's important to make time to consider your life insurance needs. As...2017-03-23T05:00:00.000+00:008218https://www.bellblack.com/blog/st-patricks-day-fun-factsIt’s St. Patrick’s Day Tomorrow! Wow Others with These Fun Facts Little-known facts about the story behind St. Patrick's day! On St. Patrick's Day, many Irish-Americans will raise a pint of stout and wish their companions €˜Slianté' (the Irish word for €˜health'). It's not just about parades, wearing green, and drinking beer (believe it or not!), today's St. Paddy's...2017-03-16T05:00:00.000+00:008217https://www.bellblack.com/blog/protect-prevent-mold-homeMethods to Protect and Prevent Mold in Your Home Rid your walls and ceilings of moisture to eliminate mold infestations. Whether you've spotted a small patch of mildew growing in the bathroom or a large chunk of mold in a corner, getting rid of it is essential. Not only are they are an eyesore and a health hazard, but they can spread like wildfire...2017-03-09T05:00:00.000+00:008213https://www.bellblack.com/blog/ways-healthierSix Simple Steps to Make for a Healthier You Do you want to be your best self? Here are easy changes to make to achieve just that. It's easy for us to get stuck into a routine of eating junk food and slacking on exercising. Despite what social media tells us, getting healthy doesn't have to mean ditching your favorite foods or spending every evening...2017-02-23T05:00:00.000+00:008216https://www.bellblack.com/blog/buying-car-insuranceQuestions to Ask Before Buying Car Insurance Ask these questions before settling on a car insurance policy. If you're in the market for auto insurance, you'll know that you need protection for your vehicle and finances. Anything beyond that is a bonus, right? Not necessarily. Finding the right policy to suit your needs and budget is not only...2017-02-16T05:00:00.000+00:008214https://www.bellblack.com/blog/surprising-coverage-renters-insuranceWhat You Didn’t Know About Renters Insurance Did you know that renters insurance covers these important costs? If you're like most renters, you've probably been ignoring something important - renters insurance. Many renters don't know that they need protection, believing that if the landlord has coverage, they are covered. Believe it or not, but...2017-02-09T05:00:00.000+00:008215https://www.bellblack.com/blog/tips-save-gasHacks to Help You Save Money on Fuel Slash your trips to the gas station with these fuel-saving tips. Every motorist seems to be looking to save a dollar here and there. After all, it all adds up so that you can save money throughout the year for the things that you enjoy. Getting more miles to the gallon in your vehicle is a large factor...2017-02-02T05:00:00.000+00:008212https://www.bellblack.com/blog/homeowners-handle-power-outageHomeowners, Know How to Handle a Power OutageWhen it goes dark, here's how to handle a power outage. Weather, accidents, storms, and not paying the electricity bill can disrupt the power that we're so used to having. Serious damage to the power lines and the electrical grid can cause outages for days or weeks. As a homeowner, you should know how...2017-01-24T05:00:00.000+00:008211https://www.bellblack.com/blog/protect-car-pothole-damageProtect Your Car from Pothole DamagePothole advice to avoid the bumps and expensive repairs. Potholes are an increasing problem on American roads, causing damage to vehicles and presenting a potential safety hazard. Potholes are caused when moisture gets into the cracks in the road, expanding when frozen. These holes then get bigger as...2017-01-17T05:00:00.000+00:008210https://www.bellblack.com/blog/hidden-terms-leaseAvoid Being Burned by Hidden Terms in Your LeaseDon't miss the finer points of your lease that could cost you. When you're hunting for an apartment, it's important to remember that you'll need to spend time looking over and reviewing the lease. Violating a lease term could get you kicked out, after all! As a legal, binding document, the landlord...2017-01-10T05:00:00.000+00:008209https://www.bellblack.com/blog/choose-green-vehicleHow to Choose a Green VehicleHere's how to choose a green vehicle to benefit your wallet and the environment. In the 21st century, vehicles have become a necessity for almost every family across the United States. Public transport is being phased out as rates climb higher and the reliability lowers. Now comes the question of choosing...2017-01-03T05:00:00.000+00:008208https://www.bellblack.com/blog/holiday-cookie-recipeQuick and Easy Chai Spice Snickerdoodle Holiday Cookies!Warm the house by baking these seasonal cookies! Now that the weather has cooled off and the holidays are upon us, many are baking, cooking, and enjoying the festivities of the season! After all, it's a time for friends, family, and food! What would winter be without a delightful cookie? Whether sugar...2016-12-22T05:00:00.000+00:008205https://www.bellblack.com/blog/extend-life-carCar Maintenance Tips That Will Keep Your Car Purring for LongerAre you doing everything to extend your vehicle's life? From getting to and from work, school, the supermarket, and taking your annual trip to Florida, you're likely to rely on your car. With the steadily rising prices of cars, many of us are looking to keep our current car on the roads longer. After...2016-12-16T05:00:00.000+00:008207https://www.bellblack.com/blog/move-car-insuranceSwitching Your Car Insurance? Read This First!Are you looking to move auto insurers? Find out how you can make a smooth switch! Perhaps you've moved to a different state or bought a new vehicle, or you're simply looking for tailored auto insurance - whatever your circumstance, you're looking to switch auto insurance. Even though you may think that...2016-12-13T05:00:00.000+00:008206https://www.bellblack.com/blog/furnace-tuneHow to: Tune Up Your Furnace for Winter As the cooler months approach, tune up your furnace. The winter brings the festive season and a chill in the air. Even though plenty of us love the crisp winter weather, the drop in temperatures means that we're shivering around our tea at 4:00 p.m. It's not ideal for party hosting or festive fun. As...2016-12-09T05:00:00.000+00:008204https://www.bellblack.com/blog/harvest-squash-recipeWarm Yourself Up With This Squash Recipe for Fall!Whip up this delightful squash recipe for the autumn!  The weather is turning cooler and the nights are getting darker; fall is truly upon us. While you may not love the chilly seasons, autumn and winter do mean that we get to enjoy some hearty, warming food! Instead of turning up the thermostat all...2016-11-24T05:00:00.000+00:008202https://www.bellblack.com/blog/liability-insurance-rexburg-idSigns It’s Time to Update Your Business Liability InsuranceAccidents happen - Secure your liability coverage today. Has it been some time since you've checked your liability in your business insurance? Perhaps it's been a while since you first got your policy, and business has grown significantly. If either of these is the case, it's time that you pull out your...2016-11-17T05:00:00.000+00:008203https://www.bellblack.com/blog/dairy-free-sources-calciumThrow Out the Milk! Pick Up These Dairy-Free Sources of CalciumDairy milk falls short compared to these calcium sources. They say you can't squeeze blood from a turnip, but can you squeeze calcium from kale? Calcium is an important part of a healthy diet, and it plays an essential role in bone density, muscle contraction, nerve function, blood pressure stability,...2016-11-10T05:00:00.000+00:008201https://www.bellblack.com/blog/small-business-insurance-id-rexburgSmall Business Owners, It’s Time to Minimize Your StressEntrepreneurs, minimize stress with these nifty tips. As much as you love your small business, being an entrepreneur can actually be harmful to your health. From burning the candle at both ends to single-handedly running a company, you could be hindering your health more than you may realize. It's not...2016-11-03T05:00:00.000+00:008200https://www.bellblack.com/blog/vehichle-recalls-rexburg-idFAQs about Auto Recalls - Answered! Find out what you need to know about vehicle recalls. It seems as if auto recalls are part of almost every motorists' life. From safety standards to equipment being out of whack, we've seen a few recalls over the recent years. While you may never experience a recall, it's good to know what it is and...2016-10-26T05:00:00.000+00:008199https://www.bellblack.com/blog/home-halloween-tipsHow Your Homeowners Insurance Protects Your Halloween Home Mishap Your homeowners insurance policy plays no tricks on your home. Halloween is one of the best nights of the year for children! They get to dress up in full costumes, the neighborhood is thriving, and there is a plethora of free candy - what's more to love? With children hyped up on sugar and the excitement...2016-10-19T05:00:00.000+00:008198https://www.bellblack.com/blog/build-healthier-happier-workforceTips to Build a Healthier, Happier Workforce (on a Budget!) Affordable ways to treat your employees to increase retention. If your business has to tighten the belt, you don't have to force out top talent. There are simple ways for your company to retain (and even attract) top talent without breaking the bank. Instead of skimping on perks which deter new hires...2016-10-12T05:00:00.000+00:008197https://www.bellblack.com/blog/home-earthquake-preparedness-tipsKeep Your Home on Stable Ground With Earthquake Preparedness Tips Learn how to prepare for an unexpected earthquake in Rexburg, Idaho.   Earthquakes continually threaten the United States, and Idaho is no stranger to a few shakes! Whilst technology has advanced tremendously, the tectonic plates are known to shift at any time, resulting in earthquakes from minor to...2016-10-05T05:00:00.000+00:008196https://www.bellblack.com/blog/fall-home-maintenanceYour Guide to Fall Home MaintenancePrep your home for the cooler weather season ahead. Where oh where has the summer season gone? With the kids heading back to school and the nights drawing in, it's time to get ready for the season of fall! Even though autumn has crept up on us doesn't mean that our houses can fall into disarray in the...2016-09-27T05:00:00.000+00:008195https://www.bellblack.com/blog/yoga-awareness-monthCelebrate Yoga Awareness Month!Check out the benefits of practicing yoga to celebrate Yoga Awareness Month. In honor of National Yoga Awareness Month, we want to help you spread the joys of yoga. September is the perfect month for beginners and advanced yogis alike to enjoy yoga. The crisp air and warm days make the perfect combination...2016-09-20T05:00:00.000+00:008194https://www.bellblack.com/blog/flat-tireWhat to Do When You Get a Flat TireIf your tire pops on the road, here's what to do. It happens to the best of us. Whether you run over a sharp object or your tires wear down so much that they rip, getting a flat tire can happen to any of us. When this does happen, you're left with the hassle of either changing it yourself or towing the...2016-09-13T05:00:00.000+00:008193https://www.bellblack.com/blog/national-grains-monthCelebrate National Whole Grains Month in SeptemberRoll out the carpet for whole grains this month. September is Whole Grains Month and across the nation, individuals and communities alike learn the benefits of adopting whole grains into their diet. As important food items, whole grains benefit us in more ways than one. If you didn't know about the importance...2016-09-06T05:00:00.000+00:008192https://www.bellblack.com/blog/school-tipsGet the Family Prepped for School with These TipsParents, school season is almost in full swing. Are you ready? As always, the summer flies back too quickly. While the summer was full of fun, bouncing children, and long nights, it's time to settle back down for the upcoming school year. In a blink of an eye, we're back to the school routine and nightly...2016-08-24T05:00:00.000+00:008191https://www.bellblack.com/blog/additional-auto-insurance-rexburg-idDo You Need Additional Auto Insurance?Auto insurance add-ons may be well worth the purchase.   Every motorist wants to ensure that they get the right car coverage. From protection on the road to safeguarding your life's savings, insurance is critical for every vehicle owner. However, if you picked a bare-bone policy, you may be exposed to...2016-08-17T05:00:00.000+00:008190https://www.bellblack.com/blog/stress-free-travel-tipsHeading on Vacay? Read These Stress-Free Travel TipsAvoid stress during the traveling process with these tips. A summer holiday is a perfect time to get away, kick back and relax, and enjoy the seasonal sunshine. Whether you're heading across the country or taking an international trip away, traveling is a part of the process. Start (and end) your summer...2016-08-10T05:00:00.000+00:008189https://www.bellblack.com/blog/auto-insurance-rexburg-id-moving-homePack Up Your Car Insurance When Moving HomeAre your boxes all packed? What about your auto insurance? Whether you're making the move to live with your sweetheart or you're moving your family to a bigger house, you'll know that the process of moving houses can be daunting. There's packing, planning, scheduling movers, paperwork, and more to do!...2016-08-03T05:00:00.000+00:008188https://www.bellblack.com/blog/health-benefits-listening-musicTurn On Your Favorite Tune – There Are Health Benefits!Music matters for your body and mind wellness! Music can lift you up. It can bring tears to your eyes, help you to relax, or get you up to dance! Tunes can be heard wherever you go, from the supermarket to the gym, to a new hit being hummed by a passerby. Music truly strikes a chord with all of us. Not...2016-07-27T05:00:00.000+00:008187https://www.bellblack.com/blog/mowing-tips-lawnMowing Tips to Get the Best Lawn on the Street!Tips to make your neighbors wonder if your grass really is greener. With the busyness of summer, the grass in your yard is most likely at the length where it's overdue a good trimming. Grass cutting is not one of the most favorite pastimes around, but with the right preparation and tips, you can get...2016-07-20T05:00:00.000+00:008186https://www.bellblack.com/blog/business-independant-insurance-agentShould Your Business Choose an Independent Insurance Agent?Your business can benefit from the work of an independent insurance agent. Business owners generally do their best to secure their company with the best form of protection: insurance. By knowing what coverages you need and assessing your budget, you can be on the way to making the right choice about...2016-07-13T05:00:00.000+00:008185https://www.bellblack.com/blog/top-home-insurance-claimsThe Most Common Home Insurance ClaimsCheck out the frequently filed home insurance claims from 2009 to 2015. Many homeowners buy a standard policy that protects their home - somewhat. While Mother Nature plays a big role in home insurance claims, there are other culprits that cause homeowners to cash in on their policy. Research from the...2016-07-06T05:00:00.000+00:008184https://www.bellblack.com/blog/tips-entrepreneurTips for Becoming a Successful EntrepreneurDo you want to pave the way to a successful career and business? Read on! Being an entrepreneur means that you'll often blaze your own trail. There won't be any career guides, counselors, or maps to steer you in the right direction. In essence, you're your own boss as well as being a nervous first-day...2016-06-30T05:00:00.000+00:008183https://www.bellblack.com/blog/camping-essentialsDon’t Go Camping without These Essentials!Heading on a hike? Don't leave home without these must-haves. Everyone knows to bring a tent and a sleeping bag when they camp, but common items are continually overlooked, especially by a camping novice. Now that the summer is right around the corner, many are prepping their tents and blow-up mattresses...2016-06-22T05:00:00.000+00:008182https://www.bellblack.com/blog/business-needs-insurance5 Things Every New Business NeedsCongrats on the new business! Time to get to work€¦ If you've made the leap and opened shop - it's time to celebrate! Before the festivities begin and you set sail on what will be breezy and bright journey, pause to think about what your new business needs. Everything from office supplies to furniture...2016-06-09T05:00:00.000+00:008181https://www.bellblack.com/blog/common-questions-umbrella-insuranceCommon Questions About Umbrella InsuranceAdd an extra layer to your protection with an umbrella policy. Life is unpredictable, and no matter how much you plan, there's always something around the bend that never crossed your worried mind. If the unexpected occurs, do you have the necessary coverage to fall back on? While you may have some liability...2016-06-02T05:00:00.000+00:008180https://www.bellblack.com/blog/5-reasons-walk5 Reasons to Walk More OftenForget the gym - a brisk walk is a great workout! If someone were to tell you that one simple activity could melt away the pounds, benefit your health, and leave you on an emotional high, what do you think that would be? Before you whip out your check book, know that this exercise is completely free...2016-05-24T05:00:00.000+00:008179https://www.bellblack.com/blog/office-snacks-healthyAre Your Office Snacks Healthy?If you provide refreshments and nibbles for your employees, you'll want to ensure it is good brain food! If your employees work long hours, you may feel inclined to stock the office kitchen with snacks to see them through. While this is certainly a good idea, there are many misconceptions about snacks...2016-05-19T05:00:00.000+00:008177https://www.bellblack.com/blog/protect-business-cyber-threatsIs Your Business Safe from These Digital Threats?Check out how these threats can affect your business' bottom line. The director of the FBI, Robert Mueller, has stated that cyber attacks are quickly becoming the nation's number one threat. With this information in hand, all businesses that interact with technology and cyber space should start implementing...2016-05-11T05:00:00.000+00:008178https://www.bellblack.com/blog/detail-car-save-moneyHow to: Detail Your Own Car Shine up your car without spending a fortune at the garage. Now that summer is right around the corner, it’s time to revive your vehicle from the winter weather and spruce it up for spring! Although many motorists choose to take their vehicle to a special shop and fork out a small...2016-05-06T05:00:00.000+00:008175https://www.bellblack.com/blog/easy-kitchen-bathroom-remodeling-tasksEasy Kitchen & Bathroom DIY Updates Get thrifty and get the kitchen and bathroom of your dreams without breaking the bank. If you're looking to vamp up your home this spring (and we're not just talking about scrubbing the skirting boards and dusting the mantel), then pull on your DIY gloves. In this age of do-it-yourself tutorials, hardware...2016-04-29T05:00:00.000+00:008174https://www.bellblack.com/blog/save-car-insurance-rexburg-idTop Ways to Save on Your Car Insurance Looking for an affordable auto policy? Read on! Car insurance is a necessity. It must be held by each motorist on the roads, so there's really no getting around it. While most safe drivers feel that they should only purchase the bare-bones of insurance to save them money, however, this often leaves...2016-04-20T05:00:00.000+00:008173https://www.bellblack.com/blog/types-business-insurance-rexburg-idInsurance You Need to Protect Your Business Does your business have protective insurance all round? Businesses need a variety of insurance policies to protect their company's specific needs. As every business runs differently, each company and workplace will need unique insurance rather than an off-the-rack policy. Get your business the tailored...2016-04-15T05:00:00.000+00:008176https://www.bellblack.com/blog/homeowners-insurance-buying-house-rexburgHomeowners Insurance and Buying a House in Rexburg Buying a house is an exciting life event. Many people spend hours on the computer searching for the perfect home. Once they narrow things down on the computer, they spend even more time driving around town looking for the perfect place to settle down. With all that time spent looking for a great house...2016-04-07T05:00:00.000+00:008172https://www.bellblack.com/blog/personal-spring-pizza-recipeDelicious and Healthy Personal Spring Pizza RecipeSavor spring flavors with these tasty and easy personal pizzas. If you want to savor the flavors of spring with as little as hassle as possible, we have a solution! Whip up this delicious and surprisingly healthy recipe for personal spring pizzas. Ingredients 1 pound of pizza dough All-purpose flour 2+...2016-03-29T05:00:00.000+00:008171https://www.bellblack.com/blog/classic-cars-storage-auto-insurance-rexburg-idGet Your Classic Car Out of Winter Storage the Right WayUse this guide to get your classic car out of storage this spring. Classic car owners, spring has sprung and it's time to bring your car out of winter storage. It's important to take some precautions when taking your car out for the first time. If your car is more than a few decades old, some extra...2016-03-21T05:00:00.000+00:008170https://www.bellblack.com/blog/emv-credit-cardWhat is an EMV Credit Card?What you need to know about the EMV credit card that will soon be in your wallet. EMV stands for Europay, Mastercard, or Visa and is the global standard for cards with chips and technology used to authenticate chip transactions. These cards have been developed for even more added security, protecting...2016-03-11T05:00:00.000+00:008169https://www.bellblack.com/blog/home-inventory-apps-homeowners-insurance-rexburg-idUse These Apps to Help Take Inventory at HomeIf you're updating your home inventory, these apps can help. Can you name every item you own and roughly what it's valued at? Unless you have a photographic memory, you probably couldn't list everything you own. So if a disaster strikes, like a large fire at home or a hurricane, you might run into...2016-03-04T05:00:00.000+00:008168https://www.bellblack.com/blog/open-enrollment-health-insurance-rexburg-idMissed Open Enrollment? Here’s What to DoYour guide to getting health insurance if you missed the open enrollment deadline. If you missed open enrollment, you may not be aware that you have options to get you and your family covered for costly medical expenses.  You may still get hit with the fine when taxes come around, but at least you'll...2016-02-25T05:00:00.000+00:008167https://www.bellblack.com/blog/new-years-resolutionsAlready Broke Your New Year’s Resolutions? Use This Guide to Get Back on Track4 ways to succeed at following through with your New Year's goals. 2016 is going to be your year, but it's only been a few weeks and keeping those resolutions might be getting tough. It's hard to establish new patterns in our life.  Anyone knows that.  It's important to remember what these resolutions...2016-02-16T05:00:00.000+00:008166https://www.bellblack.com/blog/employee-benefits-rexburg-idWhy Employee Benefits Matter So Much for Your BusinessTop 3 reasons to keep your employees happy with great benefits. Having productive and happy employees is a major component of a successful business.  In order to stay effective, we all need incentives to continue to work hard.  Employees notice when we go out of our way to give them more than the law...2016-02-09T05:00:00.000+00:008165https://www.bellblack.com/blog/ice-dams-homeowners-insurance-rexburg-idProtect This House: Prevent Ice Dams & Carry Homeowners InsuranceIcicles got you down? Here are some great tips for preventing ice dams. Ice dams can cause serious harm to your roof, but they can be stopped with a little bit of understanding and preemptive action. The basic concept is simple.  Keep the roof the same temp as the eaves.  Upping the ventilation, insulating,...2016-02-01T05:00:00.000+00:008164https://www.bellblack.com/blog/its-good-optimisticGlass Half Full: Why It’s Good to be Optimistic!Is your glass half empty or half full? There's good news for people who are undoubtedly optimistic: better health and a better life! If you're Debbie-Downer and always assume the worst, you may want to shift your focus to more positive thinking. In the depths of winter, it can be easy to slip into negative...2016-01-22T05:00:00.000+00:008163https://www.bellblack.com/blog/budget-friendly-world-capitals-visit3 Budget-Friendly Capitals Everyone Should VisitPlanning your holiday vacation? Tight for money? Consider these places! Now that we're into 2016, many are planning their next holiday to look forward to the upcoming year. As it turns out, January is often a month of financial troubles, struggles, and penny-saving. If you're an eager traveler, visiting...2016-01-15T05:00:00.000+00:008162https://www.bellblack.com/blog/distracted-driving-rexburg-idSmart Ways to Distract Yourself from Distracted DrivingStaying focused on the roads is the only way to drive! The dangers of distracted driving are well-known at this point. Anything from cell phones to futzing with the radio, to applying your make-up, can shift your focus from the road. Unfortunately, newspapers, magazines, and the internet host daily...2016-01-08T05:00:00.000+00:008161https://www.bellblack.com/blog/year-business-checklist-rexburg-idYour Year-End Business ChecklistBettering your business every year! As the New Year starts in Rexburg, Idaho, many of us are looking back on 2015 and planning ahead for 2016! As a business owner, evaluating your previous year (we're talking calendar, not fiscal!) can help to progress your business in the upcoming year. In 2015, maybe...2016-01-01T05:00:00.000+00:008159https://www.bellblack.com/blog/home-fire-safety-rexburg-idHow To: Clean Your FireplaceFollow these tips to keep your fireplace clean to reduce your home fire risks. Sitting around your fireplace is one of the best ways to stay warm and cozy during the winter. Unfortunately, it can also lead to potential danger if you don't take the proper steps to stay safe! Keep these home fire safety...2015-12-28T05:00:00.000+00:008160https://www.bellblack.com/blog/holiday-recipeTasty & Easy Holiday Appetizer RecipeStart your holiday meal off on the right foot with this recipe. There is nothing quite like sitting around a full table with all of your loved ones during the holidays. While everyone has their favorite holiday treats, starting off your meal with a tasty appetizer can help prevent anyone from getting...2015-12-21T05:00:00.000+00:008158https://www.bellblack.com/blog/pet-safety-rexburg-idWinter Safety For PetsYour pet can safely enjoy the winter season with these tips. As the weather outside turns frightful, you may be reaching for the extra blanket to put on your bed at night. While finding ways to stay warm throughout the coldest part of the year, it is important to take the time to think about your furry...2015-12-18T05:00:00.000+00:008157https://www.bellblack.com/blog/holiday-travel-guide-rexburg-idStress Free Holiday Travel GuideUse these tips to help you glide through your holiday travels. Traveling during the holidays can be very stressful. With crowded airports and a tight timetable, it can be enough to want to pull out your hair! To help ensure your holiday travels don't ruin all of your holiday cheer, keep this holiday...2015-12-14T05:00:00.000+00:008156https://www.bellblack.com/blog/life-insurance-rexburg-id6 Life Insurance Terms Everyone Should KnowKnowing these life insurance terms can help you choose the right policy to meet your needs. Life insurance can be one of the most confusing policies to invest in since talking about what is going to happen when you are gone can be very difficult. Knowing what specific life insurance terms mean can help...2015-11-30T05:00:00.000+00:008155https://www.bellblack.com/blog/millennials-insurance-rexburg-idHow Millennials View InsuranceMany Millennials are choosing to skip out on necessary insurance coverage. Many young adults who are just starting out think that they can skip out on buying insurance to help save some money. However, going without insurance can actually be much costlier than investing in the policies. Even when it...2015-11-27T05:00:00.000+00:008153https://www.bellblack.com/blog/deer-morotcycle-insurance-rexburg-idHow To: Avoiding Deer CollisionsUse these tips when riding your motorcyle to avoid an accident with a deer this fall. The cooler fall weather brings beautiful leaves and cozy sweaters. It also brings more deer to the road. Deer are the most active during the fall which increased the chance that you will encounter one on the road. While...2015-11-23T05:00:00.000+00:008154https://www.bellblack.com/blog/holiday-safety-rexburg-idSafely Celebrate The Holidays With These TipsUse these tips to help ensure that you are fully able to enjoy the holiday season with your loved ones. The holidays are meant to be spent with your friends and family. No matter if that means entertaining your loved ones at your house or taking a trip to go and visit them, knowing how to stay safe during...2015-11-18T05:00:00.000+00:008150https://www.bellblack.com/blog/home-insurance-rexburg-id-3Security Tips For Separate Structures On Your PropertyKeeping other structures on your Rexburg, ID property secure. It is not uncommon to have various structures on your property other than your house. from sheds to detached garages, you have much more to protect than just your house. Keep these tips in mind to ensure that your other structures stay safe...2015-10-30T05:00:00.000+00:008149https://www.bellblack.com/blog/business-insurance-rexburg-id-2What You Need To Know About Cyber SecurityProtecting your business from the future of Rexburg, ID cyber threats. There have been many corporate data breaches in the last couple of months that have taken over headlines. However, Allianz Global & Specialty recently released a report that show that future cyber threats will be in the form...2015-10-23T05:00:00.000+00:008152https://www.bellblack.com/blog/fall-recipe-rexburg-idYour Family Will Love This Fall Recipe!Try this healthy fall recipe this season. One of the best parts of fall is being able to incorporate the flavors of the season into your cooking. Try this delicious and healthy fall recipe that the whole family is sure to love this season. Cornucopia Stuffed Squash Ingredients: 2 medium acorn squash 2...2015-10-16T05:00:00.000+00:008151https://www.bellblack.com/blog/home-insurance-rexburg-id-2What To Do After A Break-InSteps to help you handle a Rexburg, ID home break-in. Getting home to find that your house was broken into can be a very stressful and scary situation. With all the emotions that a break in will cause, it can be difficult to know what to do next. Keep these steps for dealing with a burglary in mind...2015-10-09T05:00:00.000+00:008147https://www.bellblack.com/blog/local-events-rexburg-idGet Into The Halloween Spirt With These Local EventsLocal Events For October As September comes to an end and the first day of October fast approaches, it is time to pull out your spider webs and jack-o-lanterns to get ready for Halloween. To ensure that you are not scrambling to find fun Halloween events for people of all ages to enjoy, keep this list...2015-09-28T05:00:00.000+00:008146https://www.bellblack.com/blog/flood-insurance-rexburg-idKeep Your House Afloat With The Right Flood Insurance PolicyFlood Insurance Coverage Even though your homeowners insurance policy will provide coverage for many unfortunate situations that you may run into, it will not provide coverage for every peril that you face, including floods. Typical home insurance policies will provide coverage for damage caused by rain...2015-09-21T05:00:00.000+00:008148https://www.bellblack.com/blog/insurance-rexburg-id-2What Working For A Ridesharing Company Means For Your Auto InsuranceRidesharing And Auto Insurance Ridesharing companies are becoming more and more popular across the country and can be a great way to earn a couple extra dollars. However, before you sign up to be a driver for one of these companies, it is important to take the time to consider what it will mean for...2015-09-14T05:00:00.000+00:008145https://www.bellblack.com/blog/motorcycle-insurance-rexburg-id-4Do You Need To Insure Your Moped?Moped Insurance Considerations Mopeds are an inexpensive, convenient alternative to a car when it comes to getting around town. While they may not be a great choice if you are planning on making a road trip across state lines, they can allow you to get around much easier. Before you strap on your helmet,...2015-09-07T05:00:00.000+00:008141https://www.bellblack.com/blog/motorcycle-insurance-rexburg-id-3Is Your Motorcycle Properly Protected?Motorcycle Coverage Basics While signing the check for your new motorcycle, your insurance coverage is most likely your first thought. However, just like a car, you will need to protect your new motorcycle with the right motorcycle insurance policy. Make sure to ask your insurance agent these questions...2015-08-29T05:00:00.000+00:008142https://www.bellblack.com/blog/camping-safety-rexburg-idSafely Enjoy Your Camping Trip With These TipsCamping Safety 101 Heading into the great outdoors with the whole family is one of the best ways to enjoy the end of summer. Before you head out, it is important to make sure that you know how to stay safe. Keep these camping safety tips in mind to make sure that you can safely and fully enjoy your...2015-08-21T05:00:00.000+00:008143https://www.bellblack.com/blog/energy-costs-rexburg-idStay Cool and Lower Your Energy Bill With These TipsMoney Saving Cooling Tips Even though school is starting up soon, it does not mean that the temperatures are showing any signs of dropping. While reaching for your air conditioner may be the easiest way to cool down your house, it may also lead to a much higher energy bill. Keep these money-saving...2015-08-14T05:00:00.000+00:008144https://www.bellblack.com/blog/summer-recipes-rexburg-idThe Whole Family Will Love These Summer Recipes! Summer Recipes With the hot summer weather showing no sign of cooling down, you are probably not looking forward to a hot meal. Keep these summer recipes in mind that are sure to keep you full and cool throughout the season. Corn Salad with Tomato and Avocado Ingredients: 2 cups cooked corn kernels 14...2015-08-07T05:00:00.000+00:008140https://www.bellblack.com/blog/summer-recipe-rexburg-idTasty Recipe for Your Next Backyard BBQSweet and Spicy Grilled Salmon Inviting all of your friends and family over for a backyard BBQ is one of the best parts of summer. While the traditional hamburgers and hot dogs are always a hit with everyone, this season is the perfect time to be a little more adventurous with your grilling. Try this...2015-07-27T05:00:00.000+00:008139https://www.bellblack.com/blog/money-rexburg-idSimple Ways to Save More MoneyBuild Up Your Savings Account With These Tips Building up your savings account can be much easier said than done, especially during summer vacations. Making a few small changes can be all you need to ensure that your savings account is where you want it. Keep these tips in mind to help you save as much...2015-07-20T05:00:00.000+00:008138https://www.bellblack.com/blog/auto-insurance-rexburg-id-4Tips for Seniors to Save on Their Auto InsuranceAuto Insurance for Seniors Jumping into your convertible is one of the best ways to take advantage of your golden years. While you have enjoyed watching your auto insurance rates drop as you get older, they start to get more expensive once you hit 65. However, there are many steps that you can take to...2015-07-13T05:00:00.000+00:008137https://www.bellblack.com/blog/car-insurance-rexburg-id-2Keeping Auto Insurance Rates Low With a Spotty Driving RecordAuto Insurance Savings Getting a traffic ticket may seem like the worst part of your day. While almost everyone on the road today has gotten at least one traffic ticket, some people have a much spottier driving record. If you fall into the second category, you may find yourself shelling out a lot of...2015-07-06T05:00:00.000+00:008134https://www.bellblack.com/blog/4th-july-rexburg-idDon't Miss Out on These 4th of July Events!4th of July Events Where will you be celebrating America this year? Each year, we celebrate our independence on the 4th of July and deck our streets, homes, and gear out in red, white, and blue. There are so many local and distant events you can choose from, but with two of the most amazing Independence...2015-06-29T05:00:00.000+00:008133https://www.bellblack.com/blog/money-management-rexburg-idFinancial Tips for Those In Their 20's!Money Management 101 Financial discussion can be enough to stress out almost anyone in their 20's. From dealing with their college loans to building up a savings account, the financial decisions that 20 somethings make can help or hurt them for the rest of their lives. Keep these tips in mind to help...2015-06-22T05:00:00.000+00:008136https://www.bellblack.com/blog/motorcycle-insurance-rexburg-id-2Properly Protecting Your Motorcycle This SummerMotorcycle Insurance Coverage 101 Motorcycles are more than just another way to get around – they are a passion for many. Cruising down the street on your bike on a warm summer day can create a sense of calm that you cannot find anywhere else. Unfortunately, riding a motorcycle also...2015-06-15T05:00:00.000+00:008135https://www.bellblack.com/blog/insurance-rexburg-idFinancial Tips for New ParentsInsurance for New Parents Welcoming a new child into your home is a huge life change. With watching them grow from infants to children to adults, they provide endless amounts of love. However, a new child can also put a strain on your finances. As your baby grows, there are endless expenses that will...2015-06-08T05:00:00.000+00:008129https://www.bellblack.com/blog/auto-insurance-rexburg-id-3How To Properly Store a Vehicle Car Storage Tips Maintaining your car is part of owning a car. However, if you have a car that you do not use very often, it is easy to forget about the regular maintenance that needs to be done. If you are going to store one of your vehicles for a while, keep these tips in mind to ensure that it...2015-05-29T05:00:00.000+00:008131https://www.bellblack.com/blog/memorial-day-recipe-idahoDelicious Memorial Day RecipeSpice Rubbed Flank Steak With Spicy Peach Bourbon Sauce  Memorial Day is fast approaching, which means it is the perfect time to start planning for your Memorial Day cookout. Keep this delicious spice rubbed flank steak with spicy peach bourbon sauce in mind that is sure to be a hit with all of your...2015-05-22T05:00:00.000+00:008130https://www.bellblack.com/blog/motorcycle-insurance-rexburg-idIdaho Motorcycle Insurance Requirements Motorcycle Insurance 101 There are few better places in the world to ride your motorcycle than Idaho. With the northern forests full of lush green trees to the winding roads that let you explore the Rockies, you are constantly in awe of what you can see throughout the state. Before you load up your...2015-05-15T05:00:00.000+00:008132https://www.bellblack.com/blog/business-insurance-rexburg-idAvoid These Common Home Based Business Mistakes Home Based Business Tips More and more people have started working out of their home. Owning a home based business may seem much more laid back than a traditional office job, but it comes with much of the same responsibilities. To ensure that your home based business is able to succeed, make sure to...2015-05-08T05:00:00.000+00:008125https://www.bellblack.com/blog/home-insurance-rexburg-idYour Foundation In The Face Of Hurricanes, Floods, & Tornadoes Is Your Coverage Ready For A Disaster? You have your home insurance so you can get the coverage you need in the face of a disaster. If you have not fully read your policy, though, there may be some key areas in which you are lacking protection. Did you know that most homeowners insurance policies...2015-04-29T05:00:00.000+00:008126https://www.bellblack.com/blog/commercial-insurance-rexburg-idControlling Your Commercial Auto Premiums Your Business Can Save On The Cost Of Coverage In the same way you cannot determine how much each watt of electricity will cost but can control your electricity bill (hint: turn down your thermostat this summer), you can have a hand in your commercial auto insurance premiums. While you will not be...2015-04-22T05:00:00.000+00:008127https://www.bellblack.com/blog/car-insurance-rexburg-idPermissive Use 101 Your Guide To Lending Out Your Keys You are a nice person. When someone needs a favor, you generally tend to oblige. That is a great character trait, but it could end up costing you. If you loan out your car to a friend or family member, you give that person €œpermissive use€ of your vehicle. That...2015-04-15T05:00:00.000+00:008128https://www.bellblack.com/blog/auto-insurance-rexburg-id-2Buckle Up: Seat Belt Safety TipsHow To Protect Yourself In Your Car Did you know that there is 13 percent of people do not use their seat belts on a regular basis? Even if you do not fall into this dangerous minority, you may not know exactly how to wear your seat belt to best protect yourself. Here are some seat belt safety tips...2015-04-08T05:00:00.000+00:008121https://www.bellblack.com/blog/liability-insurance-coverage-rexburg-idLiability Insurance Needs As A ParentLiability Insurance for Parents As a parent, it is not uncommon to have more than just your own kids running around your house. From play dates to carpooling, there are many instances where you may find yourself responsible for other children. To ensure that you and all the kids are protected in case...2015-03-27T05:00:00.000+00:008122https://www.bellblack.com/blog/homeowners-insurance-rexburg-idDo You Have Enough Home Insurance?Home Insurance Coverage Basics With the economy improving, the value of your house is probably going up. While this means good news if you are thinking of selling, it can mean something different for your homeowners insurance policy. Keep in mind that the amount of homeowners insurance you need to have...2015-03-20T05:00:00.000+00:008124https://www.bellblack.com/blog/auto-insurance-rexburg-idSimple Adjustments To Stay Safe on the RoadCar Adjustment Tips New vehicles are full of safety features that are meant to provide extra protection for the driver and passengers. However, there are still some adjustments that you need to make to ensure that you are properly protected while behind the wheel. Make sure to keep these car adjustment...2015-03-16T05:00:00.000+00:008123https://www.bellblack.com/blog/march-events-rexburg-idCelebrate St. Patrick's Day With This Fun, Local Event!St. Patrick's Day Event St. Patrick's Day is just a few days away, which is the perfect time to start looking for a fun event that the whole family can enjoy together. Make sure to mark your calendar for this exciting event in the local community to help celebrate the holiday. Head out to the annual...2015-03-06T05:00:00.000+00:008120https://www.bellblack.com/blog/rexburg-life-insuranceWhy All Parents Need Life Insurance Parents And Life Insurance As a parent, your main priority is probably the safety and happiness of your children. One of the best ways to ensure their financial security after you are gone is to invest in the right life insurance policy. The payout that is provided by a life insurance policy, known...2015-02-24T05:00:00.000+00:008119https://www.bellblack.com/blog/online-password-securityPassword Security Tips How To Create Safe Passwords Chances are, you have many different accounts online. From your Facebook account to your bank account, you probably have many different user names and passwords to keep track of. To ensure the security of all your online accounts, keep these simple password security tips...2015-02-20T05:00:00.000+00:008118https://www.bellblack.com/blog/rexburg-home-insurance-4Will Your Home Insurance Cover Damage From a Sewer Backup? Sewer Back Up Coverage If you have an existing homeowners insurance policy, you are probably aware that your policy will not provide any protection for damage that is caused by a flood. However, are you covered if water comes up through a drain or sewer? Since the water that comes through a sewer or...2015-02-13T05:00:00.000+00:008117https://www.bellblack.com/blog/rexburg-townhome-insuranceFinding The Right Protection For Your Townhome Townhome Insurance Basics Owning a townhome is slightly different than owning any other property. A townhome allows you to own a home of your own, yet, you still have to abide by all the rules of the townhome association. The townhome association is meant to take care of many tasks around your home,...2015-02-06T05:00:00.000+00:008116https://www.bellblack.com/blog/rexburg-homeowners-insurancePets and Homeowners InsuranceHow Your Furry Friend Will Affect Your Homeowners Insurance There is a lot to consider before you bring a furry friend into your home, such as making sure they have enough room to play and cannot escape. It is also important to make sure that you consider how welcoming a pet into your home will affect...2015-01-28T05:00:00.000+00:008115https://www.bellblack.com/blog/rexburg-home-insurance-3Energy Saving Heating Tips5 Ways To Stay Warm and Save Money  The cold winter weather is still hanging around, which may have you dreaming of a warm, tropical beach. While turning up your heater will help to keep your home warm, it will also lead to a much higher energy bill. Keep these tips in mind to help you stay warm and...2015-01-23T05:00:00.000+00:008114https://www.bellblack.com/blog/january-national-blood-donor-monthJanuary Is National Blood Donor Month!National Blood Donor Month January is National Blood Donor Month, which is the perfect time to roll up your sleeves to do your part to help someone in need. National Blood Donor Month has been celebrated since 1970 as a way to bring attention to the need for blood and to recognize those who have done...2015-01-19T05:00:00.000+00:008113https://www.bellblack.com/blog/rexburg-insuranceIt's Time For Your Annual Insurance Review! Annual Insurance Review As 2015 kicks off, it is the perfect time to start thinking of all you want to accomplish in the year. It is also the best time to take a look at all of your insurance policies to ensure that you are protected from any unfortunate situation. There are many benefits to reviewing...2015-01-14T05:00:00.000+00:008112https://www.bellblack.com/blog/rexburg-cyber-safetyHow to Stay Safe While Shopping Online Online Shopping Safety Tips The holiday season is one of the busiest seasons for online shopping. While shopping online allows you to avoid the masses at the mall and shop from the comfort of your own home, it can also open the door for identity theft. To ensure that all of your personal information...2014-12-31T05:00:00.000+00:008111https://www.bellblack.com/blog/rexburg-auto-insurance-2Stay Safe On Winter Roads With These Tips Safe Winter Driving Tips With the cold winter weather setting in, you may find yourself heading out on icy or snowy roads. To ensure that you stay safe on the winter roads, keep these safe driving tips in mind. Get your car serviced - any small problems can easily turn in to big problems in the...2014-12-24T05:00:00.000+00:008110https://www.bellblack.com/blog/rexburg-business-insuranceCreating an Efficient and Eco-Friendly Business Update Your Business to an Eco-Friendly Business With the New Year right around the corner, it is the perfect time to make some changes to your business to make it more eco-friendly. Not only will eco-friendly changes help the environment, but it will also help to save your business some money. Keep...2014-12-17T05:00:00.000+00:008109https://www.bellblack.com/blog/rexburg-home-insurance-2Protecting Your Home This Holiday Season Tips to Keep Your Home Safe This Holiday Season With the holiday season just around the corner, you may find yourself planning a festive holiday party for all of your friends and family. While you are planning the perfect menu, it is important to make sure that you know how to protect your home from...2014-12-10T05:00:00.000+00:008106https://www.bellblack.com/blog/rexburg-renters-insuranceProtecting Your RentalRenting a house or apartment is a great way to have a space of your own, even if you do not have the money to buy your own place. Renting a home comes with most of the same responsibilities of owning a home, including making sure that you and your belongings are protected with the right renter's insurance...2014-11-28T05:00:00.000+00:008107https://www.bellblack.com/blog/thanksgiving-safetyHappy Thanksgiving!Happy Thanksgiving from all of us at Bell Black! While you are preparing your delicious Thanksgiving dinner and spending quality time with your family, it is important to make sure that everyone stays safe. Keep these Thanksgiving safety tips in mind to ensure everyone has a safe holiday. Before you...2014-11-21T05:00:00.000+00:008105https://www.bellblack.com/blog/rexburg-auto-insuranceAvoid Deer Collisions this Fall with These TipsYou are not the only one who enjoy the cool fall weather, so do the deer! Deer are most active during the fall, which give you the opportunity to watch them in their natural habitat. Unfortunately, it also means that you are more likely to hit a deer on the road. The best way to protect yourself from...2014-11-14T05:00:00.000+00:008108https://www.bellblack.com/blog/rexburg-home-insuranceStay Dry with the Right Flood Insurance PolicyThe wet fall season is here! While you are preparing for all of your fun fall and winter activities, it is also important to make sure that you and your home are prepared in case of a flood. Investing in a flood insurance policy is the best way to ensure that your home is covered in case of a flood. While...2014-11-07T05:00:00.000+00:008104https://www.bellblack.com/blog/borrowing-friends-carAre You Covered While Borrowing A Car?How many times have you hopped behind the wheel of your friend's car without first familiarizing yourself with the particulars of your, and their auto insurance policy. Most people are unsure whether or not they are covered if they get in an accident while driving a car that is not theirs. The home improvement...2014-10-29T05:00:00.000+00:008102https://www.bellblack.com/blog/halloween-safety-tipsStay Safe This Halloween!Before you head out for your trick-or-treat adventure, you must make sure that your child has their costume on, has a candy bag, and that you have left enough candy out for the other trick-or-treaters! In addition to these important tasks, you must also remember all of the Halloween safety guidelines!...2014-10-22T05:00:00.000+00:008103https://www.bellblack.com/blog/local-halloween-festivities3 Spectacular & Spooky Local Halloween Events!How about mixing up your Halloween festivities this year! There is always time for the traditional night full of trick-or-treating. However, if you had the time you should consider attending a few of these awesome Halloween-themed events! On Monday, October 3rd make your way out to the Straw Maze for...2014-10-15T05:00:00.000+00:008101https://www.bellblack.com/blog/preparing-home-fallPrep Your Plants for Fall! 5 Easy TipsWe work hard all spring and summer to make sure that our yard looks as best as it possibly can! Even though fall is when your plants will start to die, you should still be taking care of them! There are a number of lawn and garden tasks you should complete in order to prepare it for the fall season....2014-10-08T05:00:00.000+00:008099https://www.bellblack.com/blog/towing-labor-coverageProtect Yourself with Towing and Labor CoverageWith all the options that are available when you are looking into an auto insurance policy, you can easily be a little overwhelmed. While there are some options that may not apply to you, you should always consider investing in the towing and labor option. Towing and labor, which is also called emergency...2014-09-29T05:00:00.000+00:008100https://www.bellblack.com/blog/yard-re-do-saving-money-tipsTips to Save Money on Your LandscapingRe-doing your yard is a great way to add value and curb appeal to your home. It can also lead to high costs, both to buy the new plants and on your water bill if it is not done correctly. Keep these tips in mind to help keep the cost of your new landscaping low. Avoid costly mistakes. Before starting...2014-09-22T05:00:00.000+00:008098https://www.bellblack.com/blog/vacation-tipsKeep Your House Safe While on VacationAlthough summer is coming to an end, there is still plenty of time to take a family vacation before all the warm weather is gone. When you are planning your next vacation, it is important to remember to make sure that your home is protected while you are away. Keep these simple tips in mind to ensure...2014-09-15T05:00:00.000+00:008097https://www.bellblack.com/blog/school-coverageGet Back to School Insurance ReadyGoing back to school can be an exciting and stressful time, especially if your child is going off to college. While as a parent you want your child to be able to fully enjoy the college experience when they move out of the house, you also want to ensure that they are safe in any situation. Having the...2014-09-08T05:00:00.000+00:008091https://www.bellblack.com/blog/credit-rating-insurance-rates-matterRaise Your Credit and Your Chances Of Lower Auto InsuranceIn Massachusetts, California and Hawaii your insurance rate is decided upon depending on your credit score. The changing rates can differ from at least 45%. If you feel as if your credit score is too low have no fear, there is a way to raise your credit score: Negotiation- Ask your creditors to erase...2014-08-20T05:00:00.000+00:008092https://www.bellblack.com/blog/boat-thefts-letsEasy Tips to Keep your Boat Safe from Boat TheftBoat thefts have decreased by six percent as of 2013. The best way for us boat owners to keep boat thefts at a low is by being prepared. Take these preventative measures to make sure that your boat sits safely in its dock without any chance of being stolen. Keep your boat parked in a well-lit place....2014-08-15T05:00:00.000+00:008093https://www.bellblack.com/blog/liability-change-titleFour Ways Umbrella Insurance Has You CoveredUmbrella insurance or extra liability insurance is something that every company can benefit from. For some, home and auto insurance just isn't enough. For example if you get into an accident that costs more than your auto insurance can cover, umbrella insurance will cover the rest. This type of insurance...2014-08-11T05:00:00.000+00:008094https://www.bellblack.com/blog/10-reasons-life-insSix Benefits of Life InsuranceYou have insurance for your car and insurance for your house so why wouldn't you have life insurance. Life insurance will be there for your family in their time of need when they need it most. If you're still not convinced here are six reasons that life insurance can benefit you. Replacement of income...2014-08-06T05:00:00.000+00:008095https://www.bellblack.com/blog/home-fire-preventionBeing Prepared For a Home FireA fire in your home can be a terrifying experience and that's why home fire prevention is so important. Avoiding a home fire is all about being prepared and planning ahead. Keeping your family informed and ready for an emergency is the best way to survive a home fire. A smoke alarm is cheap and can...2014-07-31T05:00:00.000+00:008096https://www.bellblack.com/blog/commercial-vehicles-safe-well-tunedSix Tips To Keep Your Commercial Vehicle Running RightWhen your business revolves around your commercial vehicle, you can't afford small damages to build up to real problems. Keeping your commercial vehicle maintained can insure safety for your business and its employees. Follow these tips to keep your business and your commercial vehicle running smoothly. Keep...2014-07-28T05:00:00.000+00:008087https://www.bellblack.com/blog/give-home-summer-spruce-upRevamp Your Residence! Summer Tips For A Home Make OverSpring is famous for being the cleanup season of choice. However, summer is actually a great time to take care of bigger tasks, and revamp your home! With the kids out of school, you may even be able to come up with fun ways for them to help you out! Here are some effortless ways to give your home a...2014-07-25T05:00:00.000+00:008090https://www.bellblack.com/blog/car-wash-keeping-car-squeaky-clean-damage-free-change-title4 Tips For Keeping Your New Ride PristineYou've been working for years to afford that stylish new ride. In an attempt to support the local youth soccer team, you take your brand new car to their charity car wash, and leave with a huge scratch underneath your driver-side door. Next time, keep your car looking pristine- donate, but skip the car...2014-07-21T05:00:00.000+00:008089https://www.bellblack.com/blog/11-homeowners-insurance-change-titlePurchasing A Policy? Homeowners 101Still not completely sure of what is covered under your homeowners insurance policy? Typically your homeowners policy will cover the cost of damage to your belongings and property in the case of a disaster. Additionally, you will be protected from liability if someone injures his or herself on your property....2014-07-14T05:00:00.000+00:008088https://www.bellblack.com/blog/insurance-hosting-wedding-change-titleDon't Say "I Do" Without A PolicyYour special day has finally arrived! After months of planning, and thousands of dollars spent in deposits, you are finally getting ready to say, €œI do€. I'm sure you've thought of many things that could go wrong during your ceremony or reception and tried to limit those as much as possible. But, whether...2014-07-07T05:00:00.000+00:008081https://www.bellblack.com/blog/safety-precautions-for-the-fourth-of-julySafety Precautions for the Fourth of JulyThe Fourth of July is a national holiday that celebrates independence, but that does not mean safety precautions can be overlooked. There are a variety of concerns, ranging from fires to bee stings, which can arise during the event. Keep the Grill Away from the House Even though homeowners insurance...2014-06-25T05:00:00.000+00:008086https://www.bellblack.com/blog/motorcycle-insurance-for-a-long-tripMotorcycle Insurance for a Long TripGoing for a long trip during the summer months can be exciting, but riding a motorcycle for long distances can also be risky. Although homeowners insurance may help protect the motorcycle when it stays home, reviewing auto insurance coverage and ensuring that the motorcycle has the appropriate protection...2014-06-20T05:00:00.000+00:008085https://www.bellblack.com/blog/protect-a-summer-home-from-floodingProtect a Summer Home from FloodingReviewing a homeowners insurance policy can result in the discovery that the property is not protected against flooding. Flood coverage is not usually provided in a basic homeowner's plan, but that does not mean there is no risk of flooding. Coverage Requirements When a house is located near a lake,...2014-06-16T05:00:00.000+00:008084https://www.bellblack.com/blog/tips-for-a-fun-father-s-day-celebrationTips for a Fun Father's Day CelebrationFather's Day is a time to celebrate the contributions that a father has on the life of his children. Even though it is important to enjoy the holiday with the whole family, safety is also important. Enjoy Safe Grilling If the family is planning to stay in and celebrate with cake and a new grill, then...2014-06-11T05:00:00.000+00:008083https://www.bellblack.com/blog/importance-of-cyber-liability-insuranceImportance of Cyber Liability InsuranceBell Black Insurance strongly urges you to think about the seriousness of online privacy breaches. If someone hacks into your system and steals data that results in financial loss for you, it could put you out of business. The same is true if you make an honest mistake that causes damage to your network. When...2014-06-06T05:00:00.000+00:008082https://www.bellblack.com/blog/tips-for-maintaining-your-car-this-summerTips for Maintaining Your Car This SummerPeople think about homeowners insurance all Summer long as they prepare for pool parties and storms, but Summer auto insurance coverage and auto maintenance is also important. Especially if the car is to be used on long road trips or if it will be used as a passenger vehicle. Following are tips for...2014-06-02T05:00:00.000+00:008075https://www.bellblack.com/blog/business-insurance-101-four-insurances-every-business-should-haveBusiness Insurance 101: Four Insurances Every Business Should HaveOperating a business effectively includes doing everything within your means to protect your business. One of the best ways to protect your business is through business insurance. With the right insurance in place, your business can overcome financial losses. The following are four basic insurances every...2014-05-28T05:00:00.000+00:008076https://www.bellblack.com/blog/does-smoking-affect-your-life-insurance-coverageDoes Smoking Affect Your Life Insurance Coverage?Smoking is a very expensive habit in more ways than one. In addition to taking a toll on your health, it will also have an adverse effect on the cost of your life insurance. As a smoker, you can count on paying a much higher life insurance premium. Because smoking can lead to many serious health problems...2014-05-23T05:00:00.000+00:008077https://www.bellblack.com/blog/3-ways-for-millennials-to-handle-money-better3 Ways for Millennials to Handle Money BetterThe Millennial generation -- people who are now in their 20s -- grew up in the financially unstable environment of the great Recession. Now that the economy is beginning to improve, this generation is unprepared to deal with money  in order to prepare for the future. Here are three ways for Millennials...2014-05-19T05:00:00.000+00:008078https://www.bellblack.com/blog/importance-of-boat-insuranceImportance of Boat InsuranceIf you own a boat, then will majorly benefit from taking out an insurance policy on it.  In fact, in most areas, you won't be able to take it out on the water unless you have coverage. Boat insurance is important for many different reasons.  The number one reason is that coverage will be provided if...2014-05-14T05:00:00.000+00:008080https://www.bellblack.com/blog/mother-s-day-understanding-the-importance-of-buying-insurance-for-your-motherMother's Day! Understanding the Importance of Buying Insurance for Your MotherWith Mother's Day right around the corner, you may be trying to figure out the perfect gift.  If this happens to be you, then you should understand the importance of your mother having insurance.  After all, paying for home, life or medical insurance can get quite expensive for your mom.   If...2014-05-09T05:00:00.000+00:008079https://www.bellblack.com/blog/do-you-need-wedding-insurance-or-special-event-coverageDo You Need Wedding Insurance or Special Event Coverage?You know the famous children's song: 'First comes love, then comes marriage, then comes.... an unexpected event challenge?' Well, if you're like most couples, you have worked diligently for several months--perhaps even a year or more--to pull everything together for a special day you both will remember....2014-05-05T05:00:00.000+00:008072https://www.bellblack.com/blog/spring-home-renovations-require-upgrading-your-insurance-coverageSpring Home Renovations Require Upgrading Your Insurance CoverageRemodeling your home is a great way to kick off your spring season. Remodels will not only upgrade the appearance of your home but can add value to your property. Once done, make sure your renovations are protected by upgrading your homeowners insurance policy. Major remodeling projects such as kitchen...2014-04-30T05:00:00.000+00:008071https://www.bellblack.com/blog/spring-cleaning-tips-that-simplify-your-lifeSpring Cleaning Tips that Simplify Your LifeGetting your home ready for spring doesn't need to be a difficult or time consuming process. Here are six fast and easy spring cleaning tips that can help simplify your life.  1. Make “trash” and “donate” boxes. Simplify decluttering by filling them up as you go through...2014-04-23T05:00:00.000+00:008073https://www.bellblack.com/blog/face-the-facts-earth-day-2014Face the Facts: Earth Day 2014Millions celebrate Earth Day every April 22, but how many people know how it all got started? In honor of the 44th installment of this annual holiday, it’s time to find out more about its surprising origins and the change it continues to inspire. Sen. Gaylord Nelson, a senator from Wisconsin,...2014-04-16T05:00:00.000+00:008074https://www.bellblack.com/blog/tax-tips-for-the-small-businessTax Tips for the Small BusinessTaxes can be a large expense for any business. However, for a small business, they can be a heavy burden. Use these tips to avoid paying more in taxes than necessary: Stay current on this tax year's deductions: tax credits and deductions change from year to year, requiring that you stay current on...2014-04-11T05:00:00.000+00:008070https://www.bellblack.com/blog/as-winter-conditions-linger-defensive-drivers-take-the-wheelAs Winter Conditions Linger, Defensive Drivers Take the WheelAfter nearly every winter season, it seems like spring is a long time coming. So when the air starts to warm, and the calendar passes by that March 20th date many breathe a sigh of relief and let their guard down. But unfortunately, winter weather doesn't necessarily follow the calendar. And some winters...2014-04-07T05:00:00.000+00:008069https://www.bellblack.com/blog/high-winds-in-rexburg-create-highway-driving-hazardHigh Winds in Rexburg create Highway Driving HazardThe National Weather Service has issued a wind advisory as of Thursday March 20th for several cities in Idaho including Rexburg.  This means that wind speeds are expected to approach or exceed 35 miles per hour which can hinder driving, especially for high profile vehicles.  This also means...2014-04-02T05:00:00.000+00:008068https://www.bellblack.com/blog/looking-for-a-car-for-your-teenLooking for a Car for Your Teen?As your teen matures into a responsible driver, you may feel it's time to buy him a car of his own. The following tips can help you make a better decision on what kind of car to buy. Safety and security should take precedence in whatever vehicle you decide. Teen drivers are more likely to have an...2014-03-26T05:00:00.000+00:008067https://www.bellblack.com/blog/warm-family-recipe-for-after-workWarm Family Recipe For After Work!This easy cheese enchilada recipe is heart warming and filling after a long, hard day at work. Working parents love this because can be prepared the day before and popped into the oven when you get home from work. Serve this recipe with a side of Spanish rice, or chips and guacamole.  Ingredients: 2...2014-03-21T05:00:00.000+00:008066https://www.bellblack.com/blog/driving-safety-in-the-idaho-weatherDriving Safety in the Idaho WeatherOur services at Bell Black Insurance include providing you with the best insurance coverage you need to protect your family. Even if you think you have ample vehicle coverage, driving safely involves following a few safety tips, especially during Idaho winters. Never slam on your brakes when the road...2014-03-17T05:00:00.000+00:008065https://www.bellblack.com/blog/insurance-changes-during-a-moveInsurance Changes During A MoveMoving is so much more than a change of address. It involves switching utilities, canceling or changing your subscriptions and changing your insurance services. How can you tell which insurance policy is right for you? Renters Insurance: This type of insurance is appropriate for anyone renting...2014-03-12T05:00:00.000+00:008064https://www.bellblack.com/blog/a-home-inventory-your-home-insurance-coverageA Home Inventory & Your Home Insurance CoverageBell Black Insurance representatives remind you that you can reinforce the terms of your homeowners insurance policy by creating a home inventory checklist before any damage takes place. Even though you may have ample coverage should a fire or theft occur in your home, you will need to prove that you...2014-03-07T05:00:00.000+00:008063https://www.bellblack.com/blog/bell-black-insurance-announces-social-media-involvement-on-facebook-linkedin-and-twitterBell Black Insurance Announces Social Media Involvement on Facebook, Linkedin and TwitterBell Black Insurance focuses on providing your family with traditional insurance coverage and services. However, we're also excited about our contemporary leap into social media. Check out our Facebook, Linkedin and Twitter pages and feel free to follow us online. If you enjoy the coverage and services...2014-03-03T05:00:00.000+00:008061https://www.bellblack.com/blog/reconsidering-life-insurance-in-2014RECONSIDERING LIFE INSURANCE IN 2014Life insurance is one of the last types of insurance that most people consider when managing their budgets, because that upfront out-of-pocket expense for something that will be useful "someday", is hard a pill to swallow for some when there are so many other expenses to think about. But, the cost of...2014-02-13T05:00:00.000+00:008062https://www.bellblack.com/blog/welcome-to-bell-black-insuranceWelcome to Bell Black InsuranceWelcome to our newly revised website and blog resource. This site was designed to bring you the best in information, resources, tips and guidance for insurance options in Idaho today. We encourage you sign up to receive our free weekly recap of our blog articles published each week. And, of course, if...2014-02-10T05:00:00.000+00:00