Over the last few years, there has been a drastic rise in gas station ownership. Many financial advisors believe that owning a gas station is a smart investment. While most people own at least one vehicle, millions of Americans own multiple vehicles. Gas is always in demand because these cars need fuel.

Gas stations are a popular commodity, which is why so many investors are trying to take advantage of this market. It’s also important that you protect your investment. You put a lot of hard work and personal resources into creating your gas station. Without the proper coverage, you could potentially lose everything if something happens to your business. That’s why business insurance coverage is an asset. Business insurance helps protect your investment, customers, and staff so that things can keep running smoothly for a long time.

Read on to learn more about insurance plans for gas stations.

• General Liability

Under the law, general liability insurance coverage is optional. However, as the owner of a gas station, you should carry this type of insurance because, as the name suggests, general liability coverage protects your gas station against everyday events and hazards including, among others:

• Medical expenses
• Third-party property damage and medical expenses
• Legal costs

Gas stations are heavily populated every day because people need to purchase gas. In a split second, someone may fall and injure themselves. Since they injured themselves on your property, you would be held responsible for their medical expenses. Liability coverage will prevent you from having to cover those expenses out of your own personal assets. Liability coverage also covers you if someone’s property is damaged while they are on your premises. You will be covered if one of the gas pumps at the station malfunctions and spills gas all over your customer or causes damage to their vehicle.

● BOP

Consisting of general liability and other types of asset protection policies, a BOP is usually a particularly important coverage because it covers your business against financial challenges and losses of business assets. Some of the named perils on a typical BOP include:

• Equipment Breakdown – If your gas station equipment breaks down, a BOP will cover the repair or replacement costs.

• Buildings and Contents – A BOP covers both movable and immovable assets. In other words, it covers both the building structure and the property inside the building, including interior furnishings. This means that if a named peril, such as an accidental fire burns your gas station store to the ground, your BOP policy will cover both your property and building losses. If the extent of damage forces you to close your business till the repairs are finished, both your repair cost and loss of income are covered by BOP.

• Loss of Electronic Data – If you use digital technology to run your gas station, such as an inventory management system and accounting software, there is a risk you may lose your data due to cyber attacks or hardware failure. This can force you to spend a significant amount of money to recover or restore your data. However, with a BOP, you wouldn’t necessarily have to pay for these costs out-of-pocket.

• Employee Dishonesty Coverage – At a gas station, employee dishonesty comes in many different forms ranging from stealing money from the cash register to fuel theft. Employee theft accounts for nearly 40% of all retail losses, as reported by Retail Knowledge. Fortunately, a BOP can protect your gas station from losses related to employee theft.

Workers’ Compensation

In addition to liability insurance and BOP, you also need to carry workers’ compensation insurance to cover the medical costs related to workplace injury or illness as well as to comply with the law.
Your employees are a valuable part of your gas station’s success. Worker’s compensation protects your employees if they are injured on the job. The policy covers their medical bills while they recover. It also helps you keep employee morale high so that your staff is excited about coming to work.

Commercial Umbrella Insurance

No matter how much liability insurance coverage you buy, there is a potential of facing an overwhelming claim. For example, a gasoline-fueled fire can cause extensive damage or injury to your customers or surrounding properties, resulting in expensive lawsuits. In such circumstances, commercial umbrella insurance provides you extra coverage and protects you from having to pay out of pocket for claims that exceed your existing liability policy limits.

Underground Storage Tank Coverage

Your gas station stores fuel underground. Problems such as lack of maintenance and corrosion can cause accidents, leading to damages or injuries. Underground storage tank coverage pays for these damages.

Pollution Liability Insurance

Even the smallest gas leak or spill can cause immense harm, such as bodily injuries, property damage, and lawsuits. Pollution liability insurance coverage will pay for these damages and also cover the on-site and off-site cleanup expenses. Check out the laws of the place where you plan to open a gas station as they may require you to carry pollution liability coverage.

Investing sufficiently in your insurance for gas stations can protect you from incurring heavy losses in the future. Do you have additional questions about gas station insurance? Contact the experts at First Insurance Solutions today. We are eager to help you with all your coverage needs.

Hybrid life insurance continues to rise in popularity. Traditionally, many people considered long-term care insurance to be the ideal policy. In today’s world, it has become more common to purchase coverage that also includes life insurance. While it’s helpful to be insured in case you develop a health condition, life insurance benefits allow you to cover your loved ones after you pass away. Hybrid life insurance policies offer coverage when you need it while also allowing you to provide a layer of security for your loved ones.

Here is a look at some of the other benefits of hybrid life insurance.

1. Flexibility

Hybrid care insurance provides flexibility. You can choose the payment that suits your individual needs. You can opt for one lump sum, or you can receive annual payments.

2. Thorough Coverage

As you weigh the pros and cons of hybrid insurance, think about the type of coverage you want. Hybrid life insurance policies allow you to receive multiple types of coverage under one plan. You’ll be covered if you become ill, and you’ll also protect your loved ones by providing a safety net if you pass away.

3. Relatively Easy Process

Qualifying for traditional long-term care coverage can be a complicated process. The underwriting process for a hybrid policy is much easier. Generally, you’ll only have to answer a few questions to become eligible for coverage.

4. Tax Benefits

Premiums paid for long-term care insurance may be deducted from your state and federal taxes. Any life insurance payouts to your loved ones are not taxed.

5. Stable Premium

Many people have concerns regarding the cost of long-term care policies because they can rise over the term of the policy. Hybrid policies generally have stable premiums. You also have the option to lock in your premium for a particular amount.

6. Greater Return

One of the benefits of hybrid life insurance is a greater return on your premium. You may lose your benefits through a traditional policy if you don’t need long-term care. With a hybrid policy, your loved ones can still collect the death benefit even if you do not end up needing long-term care.

7. You Can Get Your Money Back

Some hybrid life insurance policies give you the option to receive the amount that you paid on your premium if you decide to opt-out of the policy.

8. More Manageable

One of the benefits of hybrid life insurance policies is that you only have to research and manage a singular policy instead of multiple ones. Hybrid policies also give you peace of mind regarding your long-term health and provide some financial stability to your loved ones.

These are some of the essential benefits of hybrid life insurance. If you have additional questions about business or personal insurance, contact the experts at First Insurance Solutions today. We are eager to help you with all of your coverage needs.

Per the Insurance Information Institute (III), auto insurance is mandatory in most states in the U.S. It covers medical expenses and property damage resulting from a car crash. Typically, auto insurance companies break down the total cost of auto insurance coverage into small regular payments called premiums, which vary depending on several factors, including state of residence, driving history, car type, and additional services, such as roadside assistance. American drivers spent $2,388 on car insurance in 2020, as reported by Business Insider. Fortunately, you can take certain proactive measures to lower your car insurance premiums. These measures include:

Practice Safe Driving

In general, insurance companies set your premium according to your risk. If you’re considered a high-risk driver, your insurance company will charge you more to cover the risk of frequent claims. The National Safety Council (NSC) states that most fatalities in road accidents happen due to alcohol, speeding, and lack of safety belt use. A clean record means avoiding DUI charges, following traffic signs, wearing your seat belt, paying your parking fees, and driving within speed limits. With minimal traffic violations, you can reduce your auto insurance premium.

Compare Quotes

The Insurance Information Institute (III) recommends obtaining quotes from different insurance companies, especially when you’re about to renew your policy. You can contact the companies directly, visit their websites, or consult the state insurance department for price comparisons.

When shopping for insurance coverage, be sure to pick a financially stable company.  You can check each auto insurer’s rating on sites such as AM Best, Fitch, and Standard and Poor’s. While some insurance companies work with agents, others do not. Take your time to confirm details and ask questions until you are satisfied. Your family, friends, and online review platforms are also excellent sources of information.

Get Higher Deductibles

A deductible is the amount of money you pay out of pocket before you receive compensation from your insurer. Deductibles vary significantly, from $250 to $1000. To lower your premiums, increase your deductible. However, make sure that you have cash available to pay the higher deductible when an emergency arises.

Drive Less

Most auto insurers offer low mileage driver discounts, which you can use to lower your automobile insurance premiums. To become a low mileage driver, you simply have to drive less. Some of the things you can do to achieve this goal include using public transportation, limiting unnecessary travel, embracing online shopping, and living near your workplace.

Work on Your Credit Rating

Insurance companies also use credit score ratings as an indicator of risk. Insurers generally assume that people with low credit scores are more likely to file claims compared to people with higher credit ratings. While the accuracy of this assumption is debatable, it’s never a bad idea to improve your credit rating and you may be able to reduce your auto insurance premium as a result.

Use these five tips to lower your car insurance premium. If you have more questions about your auto insurance coverage, contact First Insurance Solutions today.

While 40% of small businesses don’t resume operations after a catastrophe, those with a continuity plan reopen more easily, as reported by the Federal Emergency Management Agency (FEMA). Some of the ways to create a business continuity plan include identifying the biggest potential risks, purchasing the right business insurance coverage, and protecting your data in the cloud, as per the Small Business Administration (SBA). Lawsuits and property claims can cause a significant drain on tight finances. An appropriate business insurance policy can help mitigate some of the risks of owning a small business.

Here’s a quick look at four insurance policies that can boost your business.

Professional Liability Policy

If you run a service-focused business, such as a consultancy, real estate, or architecture, your clients may sue you if the project does not go as planned. For example, breach of contract and alleged dismal performance are some of the issues for which you can be sued. A professional liability policy protects you against such lawsuits, per the International Risk Management Institute (IRMI). Take note that you don’t actually have to be in the wrong to be the subject of a professional liability lawsuit. Having professional liability coverage protects you whether you are at fault or not.

Property Insurance

Every year, U.S. businesses lose a lot of money due to disasters such as wildfires, hurricanes, and earthquakes. For example, in 2018 alone, the U.S. economy lost more than $50 million worth of insured property to natural calamities, as reported by the Insurance Information Institute (III). Other causes of property damage include vandalism and theft, which often significantly affect small business finances. The right property insurance can help your business bounce back after property loss.

Workers’ Compensation Insurance

On average, about 2.8 per 100 workers get injuries or contract illnesses on the job in the U.S. annually, according to the U.S. Bureau of Labor Statistics (BLS). That’s why all states other than Texas require  employers with one or more employees to purchase workers’ compensation insurance policies for their employees. This policy covers the medical costs and lost wages for employees who suffer work-related injuries or illnesses, protecting your business from exorbitant claims and financial harm, says the National Association of Insurance Commissioners (NAIC).

General Liability Insurance

Over half of small businesses in the U.S. get sued at least once, as reported by the Small Business Administration (SBA). Causes of lawsuits include third-party injuries, breach of contract, employee harassment and discrimination, and intellectual property rights. Litigation not only hurts the business’ finances but also affects the business’ reputation and causes mental hardship to the owner. If you are subjected to a lawsuit, you may have to pay legal fees, claims, and compensation costs out of pocket, and this is what general liability insurance covers.

Consider the preceding four business insurance policies to boost your small business. If you have additional questions about business insurance, contact the experts at First Insurance Solutions today. We are eager to help you with all of your coverage needs.

Since September 2020, the Center for Disease Control and Prevention (CDC) has reported an upward trend in new COVID-19 infections in the U.S. Further research indicates that COVID-19 infections and deaths may increase this winter, likely due to cold temperatures that favor most respiratory viruses, as reported by National Public Radio (NPR). Because of this, you should not let your guard down, even as you celebrate the winter holidays. Here is a look at some safe ways to celebrate the holidays during the COVID-19 pandemic.

Limit Attending Public Gatherings

On average, about 45% of Americans attend private parties and 12% attend public gatherings during the holidays, as reported by Statista. Similarly, the average American spends about 15 hours attending holiday parties, as per the Consumer Reports National Research Centers (CRNRC). The bad news is that such parties will be a fertile ground for transmission of the COVID-19 virus this holiday season, and you should limit attending them. Alternatively, hold a small gathering at home, preferably with only your close family members to lower the rate of transmission of the virus.

Reach Out to Your Loved Ones

Because of the risks of COVID-19 transmission, it is not a good idea for you to travel to see your loved ones this holiday season. Nevertheless, you can still reach out to them through alternative means such as phone calls and online virtual meeting sites. In general, staying in isolation for many weeks can harm both your mental and physical health, as reported by the American Psychological Association (APA). To stay safe this holiday while also connecting with others, participate in virtual family gatherings and dinners.

Eat Healthy Meals

According to the Calorie Control Council, the average American consumes more than 4,000 calories in a single holiday, with most of the calories coming from alcohol and junk food. This holiday, you should strive to eat healthy meals, such as beans, fruits, seafood, eggs, and nuts, to boost your immunity. Apart from eating healthily, you should also stay physically active, avoid tobacco, and prioritize your mental health, as recommended by the World Health Organization (WHO).

Take Precautions While Attending Parties

At some point, you may need to attend a small party, whether at home or at a neighbor’s. When you do, adhere to COVID-19 precautions to minimize the rate of transmission of the virus. For instance, maintain social distance, sanitize your hands, and wear a mask. You should also avoid touching your eyes and nose, and always cover your mouth and nose with your elbow when sneezing or coughing, as per the Occupational Safety and Health Administration (OSHA). Above all, stay at home if you are sick.

These are some of the safe ways to celebrate the holidays during the ongoing COVID-19 pandemic. For extra peace of mind, purchase the right health insurance. If you want to learn more about health insurance policies, contact the experts at First Insurance Solutions. We will assist you with all of your coverage needs.

The average American changes residences 11.7 times in his/her lifetime as reported by the U.S. Census Bureau. According to the Society of Human Resource Management (SHRM), virtually 45% of those who relocate do so for occupational reasons, such as a new job offer or a job transfer. Other reasons for moving include retirement, resizing your home, safety, and the desire to change neighborhoods. If you’re planning to relocate, you need to purchase the right insurance to manage the risk of your household move.

Consider the following factors when determining the right insurance for your move.

  1. Trip Transit Insurance

If you only intend to move once within a specific period of time, then trip transit insurance is a good option for you. This is because it covers specific goods in one shipment against perils such as theft and fire. Alternatively, in case you plan to move more frequently, you can purchase a transit insurance policy, which covers all shipments made within the term of the policy, as reported by the International Risk Management Institute (IRMI).

  1. Floater Insurance

Also known as the personal property floater, this type of insurance provides coverage for items that are easily movable, including high-value property such as jewelry, firearms, cameras, and collectibles. The downside of this insurance policy is that it only covers specified items, and you may need to purchase a separate floater policy for each item.

  1. Storage Insurance

During a move, your personal property may require temporary storage, which poses its own type of risks. This means you also need a storage insurance policy to protect your property from theft, vandalism, and fire during storage. The storage insurance coverage is more necessary if it is a long-distance move, and the movers have to make many stops. It is also important if you plan to permanently store the goods after moving, as per the Insurance Information Institute (III).

  1. Auto Insurance Policy

Although this coverage primarily covers the vehicle and the occupants during an accident, it can also provide coverage for goods in transit if you’re moving them using your car. Nevertheless, you will need to include cargo in your auto insurance policy, and the insurance company will require you to pay additional premiums for the coverage.

  1. Levels of Protection for Moving Insurance Policies

Most moving insurance policies offer three levels of protection: 1) Full-value protection, which pays the current market value of the damaged property; 2) released-value protection, which pays for a predetermined replacement cost per pound of damaged property; and 3) separate liability coverage, which covers the difference after the mover pays its basic carrier liability amount.

To mitigate the risk of a household move, consider purchasing an insurance policy for your move. If you want to learn more about moving insurance policies, contact the experts at First Insurance Solutions. We will assist you with all of your coverage needs.

Currently, there are about 200 million online consumers aged 14 or older. Out of these, 5 million are yet to celebrate their first anniversary as online shoppers, according to eMarketer. Moreover, Nasdaq projects that around 95% of all purchases in the U.S. will happen online by 2040. Such numbers make e-commerce an attractive proposition for both established and fledgling entrepreneurs alike. However, the e-commerce space can be complicated, especially when it comes to business insurance. Of course, with the right knowledge, this does not necessarily have to be the case.

Here are three key e-commerce business insurance questions and answers to help boost your knowledge base.

Is E-commerce Business Insurance Coverage Essential?

An online business offers myriad benefits including, limited overheads, relatively low startup costs, a wide reach, and the ability to scale quickly. However, similar to a traditional brick-and-mortar store, an online store to comes with its own set of business-related risks, including data breaches, shipping logistics, damaged inventory, and product liability lawsuits. Therefore, getting e-commerce business insurance has become essential for an online store.

What are the Most Important Business Insurance Policies?

Irrespective of your service/product offering, you’ll need to carry some key business insurance coverage. Examples of these much-have policies include:

• Cyber liability – This policy covers the financial losses associated with data breaches, including legal costs, compensation, as well as the costs of replacing or retrieving data lost due to a cyber-attack event. With cybercrimes becoming increasingly common in the recent past, this coverage is vital. To give you an idea, cybercrime is a growth industry that will cost businesses around $6 trillion every year by 2021, as reported by Cybersecurity Ventures.

• General liability – This insurance policy covers third-party property damage, bodily injury, and financial loss. Additionally, if your online company loses a liability lawsuit, it will cover the incurred legal costs.

• Product liability – Product liability describes the responsibility that you, as a seller, may have if you sell a defective product that either injures or kills a customer. It is worth noting that the median compensatory award in product liability lawsuits is around $1.5 million, according to a recent study by the Jury Verdict Research. This means it is a good idea to carry product liability insurance.

• Professional liability – This business insurance policy covers risks such as design errors and copyright infringement

How Do I Determine My Online Business’s Insurance Needs?

One of the strategies you can use to determine your online business’s insurance needs is to work with an insurance agent, especially an experienced agent who specializes in your niche market. Discuss your business model and its specific requirements with your insurance agent. They can help you compare and research multiple types of e-commerce insurance coverage policies, added policy benefits, premiums, etc. from your preferred insurance carriers quickly. As your business expands and flourishes, your agent can help you to update your policy and get suitable coverage.

When choosing business insurance for your online stores, keep these three eCommerce business insurance questions and answers handy. First Insurance Solutions offers unmatched, customized solutions to increase indemnity against personal and business risks. We aim to provide online businesses with the best-rated, reliable insurance policies that match their specific needs and budget. For more information on insurance for eCommerce business, contact us today.

Whether you are an established business or a small start-up, having a business insurance policy is a must. Business insurance can provide coverage for your company against property damage, employee-related risks, legal liability, and damages caused by theft and natural calamities. Despite knowing the importance of having business insurance, some companies refuse to buy it due to the high premium rates. Business insurance rates won’t be expensive for all companies and vary for every company depending on several factors.

Here are the factors that influence business insurance rates:

Your Property

Your business insurance rate differs depending on your property’s location and what you do on and with your property. The former helps determine your surrounding, and the latter enables the evaluation of associated business risks. Insurance providers will also assess the condition of your company’s building before calculating your premium rate. You will need to pay higher premiums if your roof is not in good condition or live in an area that is more likely to cause weather-related damages.

However, you can lower your premium rates by switching to a different location, outsourcing any risky tasks, or fixing your property.

Workers’ Compensation

Having workers’ compensation insurance is essential to compensate your employees for work-related injuries and deaths. Your premium rates may vary based on how much you pay for your employees and what they do for a living. Your insurance provider will also verify your payroll statement.

To lower the premium cost, take the necessary actions that can prevent workplace injuries and accidents. You can train your employees on the rules they need to follow for safe working. Make sure your employees drive safely and wear personal protective equipment if required.

You can appoint managers to monitor your employees and make sure they are safely carrying out all tasks. Screen your employees’ health regularly and replace or repair old equipment and machines to avoid workplace accidents and injuries.

Business Liability

Your liability varies depending on the type and size of your business. Carpenters, hotels, and computer programmers have different liability classifications on their insurance policies.

Insurance providers will verify your sales and payroll statements. Higher sales result in higher liability. More sales mean more customers will come to your company or site. Even if one thing goes wrong, it affects all of them, so your premium rate increases.

You can lower your premium rates by hiring experienced workers, having safety policies in place, and training your employees on safety standards.

One of the crucial factors your insurance provider will look for is how safe your company is. If you run your business without frequent interruptions or losses, insurance providers will consider you less risky and oblige to offer coverage.

Run your business with best practices, work on these factors, and save some cash on your business insurance rates. Are you looking for an affordable business insurance policy? Contact the experts at First Insurance Solutions today. We look forward to assisting you with all your insurance needs.

Your business might have commercial auto insurance to protect your employees and company vehicles from accidents, collisions, theft, and vandalism. However, do you know your employees’ driving record and experience can impact your premium rates and reject claims in certain situations? Many companies hire employees randomly and experience personal injury lawsuits or pay higher premiums. When hiring a new employee for operating your company vehicles, check everything about their driving, including:

Experience or Driving Record

It is essential to thoroughly check the employee’s driving record and experience and make sure their driving history is clean or does not feature any serious violations. If they are inexperienced or faced warnings for violating the traffic or driving rules, your insurance claims might get rejected, or you may end up paying higher premiums.

Contact Previous Employers

You can contact the employee’s previous employers and ask about their driving record while working with them. Such communication will help you get some handy information about the employee, and you can decide accordingly.

Prior Experience

Check if the employee has any prior experience in operating any other vehicle than their own.
Besides these, you must watch out for these red flags as well before hiring a new employee:

Speedy Driving

Going beyond the speed limit is illegal and can result in penalties and suspend the driving privileges for up to one year. Two or more tickets a year on the driving record for speedy driving is a sign of violation you must consider.

DWI/DUI

Either driving while impaired by drugs (DWI) or driving under the influence of alcohol (DUI) is a crime and results in penalties. If your prospective employee has been warned or penalized for this reason, you should reconsider hiring them or ask the reason behind that incident.

Excessive Acceleration

Accelerating too quickly or fast can be dangerous, as it causes unwanted noise, which can disturb or divert others and may result in accidents or collisions. Excessive acceleration is illegal and considered a violation. Check if your prospective employee has got previous warnings related to such issues.

Lost or Inactive Driver’s License

You must check whether the employee has a valid driver’s license. As per the law, every driver should have a valid driving license. If an employee involved in a car accident does not have a license, your insurance won’t cover the accident and pay for the damages.

Accidents

Check for any accidents on the employee’s driving record, both professionally and personally.

If you want to avoid paying higher premiums, being liable for the damages, or any unnecessary hassles, make sure to check these things before hiring a new employee.

Hiring an employee who has a clean driving record ensures that you are hiring a responsible person to operate your company vehicles, which can save you time and money in the long run. Are you looking for the best affordable commercial auto insurance? Contact the experts at First Insurance Solutions today. We are ready to answer all your insurance-related questions and help you with your coverage needs.

Having home insurance is important to cover your house and its belongings against loss or damage caused by theft, burglary, fire, vandalism, and natural calamities. However, in certain circumstances, your home insurance claim might be rejected by your provider. Do you know why?

Let us discuss the reasons why home insurance claim can be rejected:

Claims Against Fire Damage

Your fire claims will get rejected if you have claimed for damage or repair caused by your unswept chimney or old or faulty wiring. While you can claim other damages caused by fire, it is better not to claim these damages.

You must keep your chimney clean and make sure your wiring is proper and timely checked. Do not leave lighting candles or anything on the hob unattended. Even a small spark of fire can cause extensive damage to your home. Also, do not put the toaster under your kitchen units.

Get smoke detectors installed in your home, as they can alert you and prevent your property from being damaged by fire. When claiming for the fire damage, keep the damaged contents as evidence for your insurance provider.

Claims Against Structural Damage

Your home insurance claim against structural damage will get rejected if you have claimed a damaged ceiling or wall caused by your negligence or lack of maintenance. When you notice cracks or structural issues on your wall or ceiling, you should immediately fix them, or at least, you should report them to your insurance provider when you ask for a quote.

Most people refuse to report these issues to their provider, as this will increase their premiums. If the cracks lead to extensive damages in the future, your insurance provider might ask you to pay higher premiums, but they will cover these damages, which is an advantage.

Most home insurance contracts state that a customer must inform their provider about any changes, including cracks and other potential subsidence signs, either at the beginning or during the policy. Hiding these might reject your claims in the future.

Insurance providers can customize the policy to offer you coverage at an affordable rate, but make sure you report your home’s exact condition when asking for a quote.

Maintain Your Home

A home insurance policy will pay for all weather-related damages and repairs, despite the cause. Still, claims for damages that are caused by lack of maintenance and negligence will stand rejected. Some homeowners have experienced damage from snow, wind, or flooding, including collapsed roofs and gutters.

However, 31% of homeowners have not checked the condition of their roofs in 5 years, 59% have not checked their gutters in the last 3 years, 11% have never inspected their roofs, and 24% have not cleared their drains. These can lead to lack of care and negligence repairs, and you cannot claim these.

Ensure scheduled home maintenance and repair every year to keep your home in the best possible condition as these will make a big difference in your home insurance claims and premium rates. Contact the experts at First Insurance Solutions if you want to learn more about the home insurance policy. We will assist you with all your coverage needs.