Kathryn Morstad, Author at EINSURANCE Quote, Compare, Save! Tue, 26 Aug 2025 18:37:22 +0000 en-US hourly 1 https://wordpress.org/?v=6.8.2 https://www.einsurance.com/wp-content/uploads/cropped-10390300_10152435665504197_8229944792578476094_n-32x32.png Kathryn Morstad, Author at EINSURANCE 32 32 As a Professional Painter, Do I Need Insurance? A Painters’ Insurance Guide https://www.einsurance.com/journal/painters-insurance-guide/ Thu, 21 Aug 2025 16:00:48 +0000 https://www.einsurance.com/?p=35027  Key Takeaways: As a business owner, painters’ liability insurance and other related insurance options help safeguard your business from costly claims and legal disputes. How much does painters’ insurance cost? It depends on several factors—this guide is designed to help balance affordability with appropriate protection. Comprehensive coverage enhances professional standing and improves your company’s […]

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]]> Summer Road Trip Insurance Checklist: Are You Covered? https://www.einsurance.com/journal/summer-road-trip-insurance-checklist-are-you-covered/ Thu, 31 Jul 2025 16:00:10 +0000 https://www.einsurance.com/?p=34989 Key Takeaways: Summer is a great time for a road trip—be sure you understand the nuances of your auto insurance so that you’re protected from driving-related costs and consider travel insurance for the unexpected. It’s important to guard against insurance gaps that can leave you exposed—out-of-state (or country) liability, medical costs, and rental reimbursement, to […]

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]]> What You Should Know About Lawn Care Insurance for Your Business https://www.einsurance.com/journal/what-you-should-know-about-lawn-care-insurance-for-your-business/ Tue, 24 Jun 2025 17:13:49 +0000 https://www.einsurance.com/?p=34807 Key Takeaways: Lawn care insurance is crucial to protect small residential lawn care businesses and large commercial lawn/landscape businesses alike. Comprehensive insurance coverage protects your business and property, customers’ property, and employees in the event of an accident or problem. Your customized coverage should include policies like general liability insurance, commercial vehicle insurance, workers’ compensation […]

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]]> House Cleaning Insurance – What You Should Know as a Business Owner https://www.einsurance.com/journal/house-cleaning-insurance/ Thu, 29 May 2025 16:00:00 +0000 https://www.einsurance.com/?p=34744 Key Takeaways: House Cleaning Insurance is essential to protect you and your business from injury and property damage claims that can financially devastate your business—a single claim could cost you between $10K and $35K on average. Learn how to protect yourself. More than three quarters of customers say they will only hire a cleaning service […]

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]]> Electric Vehicle Insurance: Why EVs Cost More to Insure https://www.einsurance.com/journal/electric-vehicle-insurance-why-evs-cost-more-to-insure/ Tue, 29 Apr 2025 16:00:14 +0000 https://www.einsurance.com/?p=34610 Key Takeaways: While the market for Electric and Hybrid Vehicles continues to grow, EV Insurance is more expensive than insurance of conventional gas-powered vehicles. From expensive battery power to higher repair and replacement costs, EVs and Hybrid vehicles cost more to insure even when driven in a safer manner than gas-powered vehicles. The good news—we […]

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]]> What Does Handyman Insurance Cover? https://www.einsurance.com/journal/what-does-handyman-insurance-cover/ Thu, 27 Mar 2025 16:00:54 +0000 https://www.einsurance.com/?p=34049 Key Takeaways: Handyman Insurance is available to cover independent contractors performing handyman (or woman) tasks, including general liability, business auto insurance, work comp insurance, and much more. This type of coverage is beneficial when working on your own or through a ‘gig work’ system and protects you and your personal assets in the event of […]

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]]> First-Time Car Insurance Tips–How to Get Car Insurance for the First Time? https://www.einsurance.com/journal/first-time-car-insurance-tips/ Thu, 27 Feb 2025 17:00:19 +0000 https://www.einsurance.com/?p=33922 Key Takeaways: Understand the types of car insurance coverages available and why each is important? Learn more about each type and if you need it. Learn how to avoid common mistakes when choosing the best car insurance for your circumstances. Car insurance can be expensive for new car buyers. It pays to shop around to […]

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]]> 14 Practical Strategies for Seniors to Save Money on Homeowners Insurance https://www.einsurance.com/journal/14-practical-strategies-for-seniors-to-save-money-on-homeowners-insurance/ Thu, 16 Jan 2025 17:00:14 +0000 https://www.einsurance.com/?p=33675 Key Takeaways: With cost of living increases and a fixed or partially-fixed income, affordable homeowners insurance for senior citizens is extremely important. Even where you live can impact your home insurance costs. We offer 14 practical strategies and discounts ideas that will keep insurance costs under control in this volatile marketplace. Annual insurance reviews can […]

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]]> How the ‘80% Rule’ Impacts Your Home Insurance: A Complete Guide to Avoiding Costly Mistakes https://www.einsurance.com/journal/how-the-80-rule-impacts-your-home-insurance/ Thu, 12 Dec 2024 17:00:04 +0000 https://www.einsurance.com/?p=33541 Key Takeaways: It’s important to understand the difference between ‘replacement value’ and ‘market value’ which can significantly impact your insurance coverage. Ensure your homeowner’s insurance coverage meets the 80% rule which provides adequate coverage and is required by most insurance carriers and mortgage lenders. Be informed about the possible penalties and consequences if your insurance […]

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]]> How Much Does a Texting While Driving Ticket Increase Auto Insurance Premiums https://www.einsurance.com/journal/how-much-does-a-texting-while-driving-ticket-increase-auto-insurance-premiums/ Thu, 14 Nov 2024 17:00:04 +0000 https://www.einsurance.com/?p=33460 Key Takeaways: Drivers with a texting or distracted driving violation are penalized by insurance companies with an average increase of 27% in annual premiums. Teens are especially susceptible to texting and driving which can have long-term consequences if there is an accident or someone is injured. Texting while driving is illegal in most states and […]

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]]> Garage Liability vs. Garagekeeper Liability: What Every Auto Shop Owner Must Know https://www.einsurance.com/journal/garage-liability-vs-garagekeeper-liability/ Thu, 24 Oct 2024 16:00:21 +0000 https://www.einsurance.com/?p=33324 Key Takeaways: In addition to standard business insurance coverage, auto-related businesses may need Garage Liability and Garagekeeper Liability to be fully protected, especially when customers leave their vehicles in the business’s care. Garage Liability and Garagekeeper Liability Insurance cover two different aspects of business insurance coverage, with one protecting the business and the other protecting […]

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]]> Bicycle Accident Insurance Coverage – What Cyclists Need to Know https://www.einsurance.com/journal/bicycle-accident-insurance-coverage-what-cyclists-need-to-know/ Thu, 19 Sep 2024 16:00:53 +0000 https://www.einsurance.com/?p=33275 Key Takeaways: Cyclists involved in accidents with motor vehicles may be covered by the driver’s car insurance policy, including UM/UIM coverage. While home insurance provides some protection, it may not cover all risks associated with bicycle accidents. Cyclists should evaluate their policies and consider additional coverage options to close the gaps in protection. Specialized bicycle […]

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]]> Does Home Insurance Cover Water Damage? https://www.einsurance.com/journal/does-home-insurance-cover-water-damage/ Thu, 15 Aug 2024 16:00:45 +0000 https://www.einsurance.com/?p=33232 Key Takeaways: Homeowners insurance policies typically cover water damage that occurs suddenly and accidentally, such as from burst pipes, appliance malfunctions, or storm-related roof damage. Gradual leaks and damage resulting from poor maintenance are generally excluded from coverage. It is crucial to thoroughly understand the specifics of your home insurance policy to know what types […]

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]]> Car Insurance After the Death of the Policyholder: A Comprehensive Guide https://www.einsurance.com/journal/car-insurance-after-the-death-of-the-policyholder/ Thu, 11 Jul 2024 16:00:43 +0000 https://www.einsurance.com/?p=33190 Key Takeaways: Upon the death of a spouse or family member, it is important for the survivors, especially the executor of any afterlife plans or proposals, to understand the options for car insurance so that surviving family members are covered. It is important to understand current premiums, payments, discounts, and refunds for any policy before […]

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]]> Does Car Insurance Cover Scratches and Dents? https://www.einsurance.com/journal/does-car-insurance-cover-scratches-and-dents/ Thu, 13 Jun 2024 16:00:07 +0000 https://www.einsurance.com/?p=33168 Key Takeaways: Whether your vehicle insurance covers scratches and dents depends on the type of coverage you have. Comprehensive insurance typically covers damage caused by events like vandalism or natural disasters, while collision insurance covers damage resulting from accidents. When filing a claim for scratches and dents, it’s important to consider your deductible. If the […]

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]]> Do Permit Drivers Need Insurance? https://www.einsurance.com/journal/do-permit-drivers-need-insurance/ Thu, 16 May 2024 16:00:54 +0000 https://www.einsurance.com/?p=33141 Key Takeaways: All states require young people to acquire a learner’s permit when learning to drive. Depending on your state’s requirements, a permit can be obtained anywhere from 14 years of age to 16 years. Insuring a learner’s permit driver is relatively inexpensive and pays big dividends in demonstrating expectations and parenting by example. We […]

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]]> No Down Payment Car Insurance – What You Need to Know https://www.einsurance.com/journal/no-down-payment-car-insurance/ Thu, 25 Apr 2024 16:00:14 +0000 https://www.einsurance.com/?p=33095 Key Takeaways: No down payment car insurance, or 0 down car insurance, is a great way to get started with car insurance without paying the hefty, full annual or semi-annual premium. Students, new drivers, and contractors can all benefit from the financial flexibility offered by no down payment car insurance where monthly payments are more […]

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]]> What is The Penalty for Driving Without Insurance https://www.einsurance.com/journal/what-is-the-penalty-for-driving-without-insurance/ Thu, 21 Mar 2024 16:00:36 +0000 https://www.einsurance.com/?p=33039 Key Takeaways: In today’s fast-paced world, driving has become an essential part of our daily lives. Whether it’s commuting to work, running errands, or embarking on road trips, the convenience of having a vehicle is undeniable. However, this convenience comes with a critical responsibility — ensuring that your vehicle is insured at all times. Driving […]

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