Acentria
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Latest posts
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Before the Trick-or-Treaters Arrive: A Halloween Checklist for Homeowners
Halloween is one of the few nights each year when neighbors, friends and families come together right at your front door. From glowing jack-o’-lanterns to creative costumes, the evening is all about making memories. Before the first doorbell rings, take a few minutes to make…
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5 Ways to Use Your HSA Funds
A Health Savings Account (HSA) is one of the most flexible benefits available to individuals enrolled in a qualified high‑deductible health plan. While many people think of HSAs strictly as a way to save for future medical bills, these accounts can be used for a wide variety of…
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The Risks of Naming a Minor as Your Life Insurance Beneficiary
Life insurance is designed to provide financial security for the people you care about most. For many parents, naming a child as a beneficiary seems like the obvious choice. However, what many policyholders don’t realize is that naming a minor child directly as a life insurance…
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6 Tips for Adding a Teen Driver to Your Auto Insurance Policy
Adding a teen driver to your auto insurance policy is an exciting milestone—but it can also raise important questions about cost, coverage, and safety. While bringing your teenager onto your policy will likely increase your premiums, it’s often still more affordable than having…
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Sewer Backup Coverage for Commercial Properties: What Business Owners Need to Know
Water damage remains one of the most common and expensive commercial insurance claims. Among these risks, sewer backup is a frequent yet often overlooked exposure. Many business owners assume they’re covered, only to discover after a loss that their standard policy excludes it.…
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Do Gig Workers Need Insurance? Coverage Guide for Freelancers & Contractors
The rise of the gig economy has made it easier than ever to earn income on a flexible schedule. From driving and delivery services to freelancing and home-based businesses, gig work offers independence—but it also comes with unique risks. While insurance may not be top of mind,…
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Understanding Personal Liability Coverage: What It Is and Why You Need It
Personal liability coverage is a key component of both homeowners insurance and renters insurance. It’s designed to help protect you financially if you’re found responsible for someone else’s injuries or property damage. From everyday mishaps to unexpected accidents, this…
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Insurance Coverage for Annual Physical Exams: What You Should Know
Annual physical exams are an essential part of staying healthy, and the good news is that most health insurance plans cover annual physical exams at no cost when classified as preventive care insurance. However, understanding how annual physical exam insurance coverage works can…
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Understanding EV & Hybrid Vehicles—and What They Mean for Your Insurance
Electric vehicles (EVs) and hybrids are rapidly growing in popularity across the U.S., especially among drivers looking to save on fuel and reduce their environmental impact. But while these vehicles offer modern technology and long-term savings, EV insurance costs can sometimes…
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5 Common Small Business Insurance Mistakes
For many small business owners, insurance is treated as a one-time task—something handled at startup and rarely revisited. With so many daily responsibilities competing for attention, that approach is understandable. Unfortunately, it can also leave businesses exposed to serious…