How Insurance Companies Assess Risk

29February 2020

Schuylkill, Point Breeze, Rittenhouse, Hawthorne, Grays Ferry, University City, Tasker Homes, Philadelphia, Girard Estate, Bella Vista

How Having Not Enough or Too Much Insurance In Southwest Center City Hurts You

There are lots of variables that figure out how much insurance coverage you need to have. Insurance coverage is implied to assist defray costs and prevent monetary catastrophes. It is not implied to assist you or your relatives get abundant. There are some concerns you can ask as you select insurance coverage that you need to safeguard yourself and your family. The concerns are based on the type of insurance coverage you’re checking out, the laws of your state, and the state of your monetary affairs.

Life Insurance

As you select how much and what type of life insurance coverage to get, ask yourself what the point of the insurance coverage is. These concerns can assist you figure out how much insurance coverage you need.

  • By law limits – In addition, life insurance coverage business normally limit the quantity of insurance coverage you can get based on your current income or your monetary contributions to your family. You’ll need to take that into consideration too when you’re identifying how much to invest in insurance coverage.
  • How much cost savings you have – Some people don’t even need insurance coverage because they have sufficient cost savings to cover expenses, final expenses, as well as to cover future income for their recipients. It might be a waste of money to invest in life insurance coverage under these situations.

When you take into account these issues, you can see how you can buy excessive life insurance coverage if you don’t need income for your dependents. Normally as you age your insurance coverage requires form a bell curve with the most insurance coverage needed during the time you’re raising a family and the least quantity needed when you’re a young college student and a retired individual.
Cars and truck Insurance in Southwest Center City

Automobile Insurance

Picking how much insurance coverage to get for your automobile is covered by the laws in each state. Each state has a minimum quantity of insurance protection required. The minimum in most states is far too low. It’s important that you evaluate the fact of the circumstance in a worst case situation to make sure that you get enough insurance coverage to cover your requirements.

Property owner’s Insurance

Picking how much property owner’s insurance coverage you need depends upon the very same factors as other insurance coverage in terms of laws concerning minimum protection. You will go through with your insurance coverage agent the prospective factors that can come up, such as whether or not your policy covers floods or water damage.

Rental Insurance

Your rental contract typically covers how much insurance coverage you need to buy, but so does the cost of your items. Do not assume that you’re covered in a home fire when you’re in a rental unless you are spending for rental insurance coverage. The owner’s insurance coverage likely only covers the structure and not your personal possessions. Get enough to pay off what you owe and change items at an increased cost.

Having excessive insurance coverage can hurt you by needing you to spend excessive of today’s money that might be utilized for cost savings and other functions. Having insufficient insurance coverage can trigger problems by not securing you and your family enough, contributing to prospective monetary catastrophes over scenarios such as a cars and truck accident, a damaged pipeline, or other issues that insurance coverage is designed to assist safeguard against.

How Insurance Companies in Southwest Center City Assess Risk

Risk decision is based on lots of factors such as prospective ‘acts of God’, human behavior, and the age of the people being covered. Most risk is, of course, based on uncertainty and it is a gamble on the part of the insurance coverage business.


  • Smokers versus non-smokers – Life insurance coverage and medical insurance business normally provide a discount rate to non-smokers because it’s a known scientific fact that cigarette smokers are more most likely to get ill or pass away quicker.
  • Teenagers cost more – Car insurance coverage business charge teenagers a lot more for insurance protection due to the fact that they are clinically shown to be more most likely to get into a mishap than skilled motorists.
  • The more stuff the more cost – Regardless of the type of insurance coverage you get, the more the dollar quantity you need to cover, the higher the cost is going to be since that is more risk for the insurance coverage business.
  • Geography – Where you live will make a big difference in the cost of your insurance coverage, no matter what type. This is because a great deal of risk is evaluated on a regional basis. How lots of twisters does your location have? Do you reside in a flood zone? Do you reside in a location with high traffic and a high rate of accidents? What about theft? Does your zip code occur to be in a high criminal offense location? All of these things will factor into your insurance coverage costs.
  • Your age – If you are older, life insurance coverage is going to be more pricey. The factor is that everybody passes away and you’re more most likely to pass away the older you get. The cost of the insurance coverage is based on a combination of typical lifespan of your sex in your zip code, and other health factors.
  • Your way of life – People in certain way of lives pay more for insurance coverage than others. For example, if you love sky diving, your life insurance coverage will be a lot more pricey than if you don’t. If you like riding motorbikes, you’re going to pay more.

Risk Assessment

Insurance coverage business use information and data to compare things and evaluate risk. They do often compare things that don’t constantly appear to go together, but using a great deal of complicated information they extrapolate a danger aspect for you when identifying the cost of your insurance coverage and whether they’ll even cover you or not.

The insurance coverage business inputs all the information they collect from you into their complicated computerized systems and out comes your ‘risk evaluation’ which will figure out whether or not they will cover you and at what cost. These assessments are necessary for the insurance coverage business to end up being and stay rewarding. They are also good to understand so that you can manage your own risk in order to get better prices.

How Much Insurance Do You Really Need in Southwest Center City?

Before purchasing insurance coverage, attempt to figure out how much you need. How much insurance coverage you need depends upon a variety of factors, consisting of the type of insurance coverage you’re taking a look at getting, the laws, and your family monetary circumstance. In basic, the idea behind insurance coverage is to prevent added monetary tension when a tight spot occurs, not shower somebody in riches.

By Law

Each state has different requirements on automobile insurance coverage, so you need to make sure that whatever insurance coverage you get for your automobile covers what is required by law. Most states have quite low requirements so you might then desire to also choose to get a little extra based on your requirements and your own level of risk aversion.

Income Needs

If your family requires income after your death, you might desire to consider different types of insurance coverage that can offer an income to your recipients. Your insurance coverage agent can assist you determine what type of insurance coverage is best for your requirements, but the first thing you ought to do is make a list of your properties, financial obligations, and how much income your family will need if you’re not there.

How Much Debt You Have

Some financial obligation will disappear with your death automatically. Other financial obligation, such as joint financial obligation, medical expenses or your house payment will not disappear. When you consider that, and the loss of your income, plus paying off the financial obligation that you’ve collected, you’ll have a much better idea of how much life insurance coverage you need. The very same thing can be provided for other types of insurance coverage, such as property owner’s or tenant’s insurance coverage. It’s based on how much you need to pay off or change.

Your Level of Risk Aversion

Some people have a higher tolerance for risk than others. If you have a large money cost savings account, it’s important to consider how much of that you desire to risk, compared to the cost of purchasing sufficient insurance coverage to pay down financial obligation, pay final expenses, or pay to repair your car in a mishap. With automobile insurance coverage, the higher your deductible the lower your month-to-month premium payment, so if you have good money reserves you may be willing to risk some of your cost savings to pay less monthly.

How Much Pension You Have

If you have a pension account, consider that in your insurance coverage dealings because it’s money that your family might have offered in addition to your cost savings and insurance coverage. Normally the more money your family will have at your death, the less insurance coverage you need to purchase.

Your Legacy

While insurance coverage should not be something you buy to create wealth in your family due to the pricey nature of insurance coverage as you age, often you just desire to supply a tradition to somebody such as a charity or a grandchild. You can get an unique policy that goes straight to them after your death just to pass on something from you, even if you have absolutely nothing in the way of personal properties now.

Deciding how much insurance coverage you really need depends upon the type of insurance coverage you’re getting, your current money cost savings quantity, and how close you are to retirement. In addition, consider your risk tolerance level, and the requirements of individuals you love and appreciate.

How to Know If Your Southwest Center City Homeowner’s Insurance Is Up to Date

It’s not uncommon to buy a house, get property owner’s insurance coverage and after that never look into the policy again. Then something dreadful takes place and you learn you’re not covered for that brand-new deck you added. To prevent this occurring to you, look into your policy protection a minimum of once a year. Some people select to update anything to do with insurance coverage of all kinds during their birth month to make it easy to bear in mind to do.

Has Your House Increased in Value?

If you’re not exactly sure, ask for an assessment. Generally you’ll get a tax evaluation sent to you once a year in order to pay your real estate tax. If you see a huge boost in the evaluation, first check to ensure that it is accurate and not overpriced; 2nd, call your insurance coverage business so that you can update your policy.

Just how much Have You Paid Down the Mortgage?

If you’ve paid down the home loan and you have a healthy cost savings account, you ought to figure out how much you’re willing to come out of pocket for your house if something ought to occur. Some people, for example, do not report a power blackout caused by a storm that ruined their food. They really don’t need the 300 dollars to fill up the refrigerator from the lost food, or 1000 dollars to repair the damage caused by the tree falling on the roof.

Have You Added onto your home?

If you’ve added a space, enhanced the windows, enhanced security and so forth, you ought to speak with your insurance coverage business to figure out if this affects the cost of your insurance coverage. Having safety gadgets like some alarms, carbon monoxide gas detectors, and security functions such as automated calls to the fire station when you’re out can lower the cost of your insurance coverage. Some other additions like a brand-new room will add to the cost.

What New Things Have You Brought into your home?

The majority of the time, a number of years after purchasing a brand-new house people tend to buy brand-new furniture, more electronics and other things that cost more money than their old appliances and entertainment systems. It’s important to evaluate a minimum of once a year the cost of the items in your house such as brand-new tools, furniture and fixtures.

Have You Installed a Security System?

Security systems can minimize the cost of your insurance coverage when it concerns theft risk. If you’ve installed a costly system, though, it may contribute to the cost of your insurance coverage to change the system should it be damaged from something like a storm.

Do You Have a Pool You Did Not Have Before?

Have you developed a pool, added a hot tub or perhaps have a trampoline? If so, your insurance coverage requirements are going to be higher due to prospective liability. Getting kids’s moms and dads to sign waivers does not work, so ensure you are covered.

Has a Fire Station Moved Nearby?

Believe it or not, having a fire station close by can lower your insurance coverage costs, but having a fire extinguisher put into your backyard can make them higher. If either of these things takes place, you need to call your insurance coverage business and let them understand to see how it affects your insurance coverage.

Did You Add a Storm Shelter?

Adding a storm shelter is one more thing that will need to be repaired should something dreadful take place. While it will assist save on loss of life and some business provide a discount rate for having one, sometimes it may in fact increase your insurance coverage costs.

As you take an assessment of your property owner’s insurance coverage requires, remember to also update other policies as needed. Please do not prevent upgrading your policy for fear of paying more. There is no point in paying anything if you’re not covered according to your true requirements. Getting paid 1000 dollars when you need $10,000 is similar to getting absolutely nothing at all.

Insurance Buying Mistakes to Avoid In Southwest Center City

Buying different types of insurance coverage is a fundamental part of guaranteeing the convenience of your family if an unfortunate event or tragedy occurs. It can safeguard you in the event of a car accident, diseases and unforeseen ‘acts of God’ like storms and floods. Even if you’re on a tight budget plan, having insurance coverage is very important – perhaps even more vital.

There are some insurance coverage purchasing errors you will desire to prevent, though. Here are the most important ones:

  • Only Considering Price – One of lots of factors to consider, cost is an important aspect but it is not the only aspect that you ought to consider when you are purchasing insurance coverage. You desire to make sure that you’re getting your money’s worth, but you don’t desire it to be so inexpensive that you just buy the least expensive priced insurance coverage you can find. Check the business scores too. Some less expensive business never make payments.
  • Making Erroneous Assumptions – Many people automatically assume that they can not afford insurance coverage without even inspecting it out on their own. This is especially true right now when it concerns the Affordable Care Act. Before deciding, compare prices in the exchange with prices off the exchange, as well as the benefits involved.
  • Setting Unrealistic Deductibles – With residential or commercial property insurance coverage you can typically select between a few different deductibles (often with medical insurance coverage, too). You will pay a lower month-to-month premium for a higher deductible, but if you can’t pay that deductible, you’re not any better off.
  • Failing to Check Out Multiple Companies – It’s tough to withstand high pressured sales methods but it is very important to compare different prices, protection offerings and rankings amongst different business before picking.
  • Not Reading Everything before Signing – Even down to the last moment before you sign, you have a chance to back out of an agreement. That’s why, despite the fact that it’s a lot to read, you need to read every last word of the agreement as well as ensure you comprehend it.
  • Not Asking Questions – Many people are so overloaded with the insurance coverage market, the terminology and the fear connected with the things one must discuss when handling insurance coverage, that they don’t ask concerns. It’s very important to ask as lots of concerns as you desire. There are no bad ways to ask.
  • Buying Too Little Insurance – While you don’t need to buy so much insurance coverage that you leave your family abundant if you pass away, or overpay for insurance coverage you don’t need for your home or vehicles, you must defend against under purchasing too. Accumulate what you really need, then tack on something for contingencies you didn’t consider to be safe.
  • Not Keeping Your Policies Updated – Each year, examine your insurance coverage to make sure that you have sufficient insurance coverage or aren’t over purchasing. Some people select to examine their policies during the month of their birth so that they can keep an eye on when they did it each year.

Preventing these purchasing errors is very important if you desire to make sure that when you do make a purchase, it is the best one for your family today and in the future.

Tips for Lowering Your Homeowner’s Insurance Premiums

One of the largest financial investments you’ll likely ever make is your home. Safeguarding it has to be a leading concern, and due to that you ought to do everything you can to make sure that you have the best insurance coverage you can afford that covers what you need it to cover.

1. Compare Several Companies – High pressure sales strategies prevail in the insurance coverage market, but you need to withstand it so that you can examine out more than one business for your insurance coverage requires. Prices, customer care, and protection differ significantly amongst business.

Pick a Higher Deductible – Higher deductibles enable you to pay less on your premium payments each month. Ask your insurance coverage provider to compare premiums and deductibles so that you can make the best choice for your family.

3. Think About Actual Rebuilding Costs – Even if your entire home and all its contents was cleaned off the face of the earth, you still own the land. Get an assessment to learn how much the land deserves and subtract that from the cost of a reconstruct to get a more accurate photo of what it will cost to restore.

Bundle Insurance ñ When you buy more than one kind of insurance coverage from a business, you can typically get a significant cost savings. Many business that are also banks supply other monetary offerings, too.

5. Update Your Home – If your home is older, it’s important to ask your insurance coverage agent if you can do things to your home to lower the cost of insuring it like storm shutters, shelters and other functions.

6. Enhance Home Security – Fire systems, carbon monoxide gas systems, and even burglary systems may assist lower the cost of your insurance coverage premiums. Your insurance coverage agent can make recommendations for you.

7. Request for Other Discounts – There are frequently discounts you can inquire about such as senior, job associated, bundling, and other types of discounts that they may not mention to you without asking.

8. Keep Your Credit Spotless – If you have bad credit, you’re going to pay more for insurance coverage as well as other types of products. Do what you can to keep your credit score high to prevent paying more for requirements like insurance coverage.

End Up Being a Long-Term Customer ñ The longer you stick with a business, the more discounts you will get. Some business even supply refunds for long-lasting consumers.

10. Evaluation Your Policies Yearly – People find it helpful to examine their insurance coverage a minimum of yearly to make sure that they’re neither excessively covered nor under covered. Lots of people find it helpful to do a review each year during their birth month so that it becomes a regular.

Property owner’s insurance coverage is a requirement. You never understand when something will occur – be it ‘a disaster’ or a mishap such as a house fire. Even somebody falling down inside your house can result in substantial expenses for you to pay. Being covered for these contingencies can provide you assurance now and in the future.

Weighing the Pros and Cons of Lower Insurance Deductibles In Southwest Center City

Most types of insurance coverage have choices of how high your deductible will be. They can differ from absolutely nothing to very high into the thousands of dollars. The deductible must be paid before the insurance coverage kicks in and makes a payment in your place. Having a lower deductible ways that you will have less out-of-pocket costs.


When you have lower insurance coverage deductibles it implies that if something takes place (you get ill, your house is damaged, you’re in a mishap, etc.), you will have less out-of-pocket costs than if you had a high deductible insurance coverage.


In order to spend for the lower out-of-pocket cost, the insurance company will ask that you pay a higher month-to-month premium to offset their prospective loss. If you’re in a mishap, they’ll need to pay more than if you had a higher insurance coverage deductible.

All pros and cons are predicated on risk and benefit. Picking a lower insurance coverage deductible also requires to be based on the risk and prospective benefit for doing so.

Dangers and Rewards

Insurance coverage business basically create a risk-sharing swimming pool. Not everybody is going to have a mishap, and the insurance coverage business is banking on that. The premiums enter into the swimming pool, which is typically invested so that it will grow. It is also utilized to cover accidents, and the rest is utilized as expenses such as infrastructure and salaries.

You are sharing threats with others. This allows you to prevent having your entire monetary future destroyed by one accident or health problem. There are rewards and threats for each celebration. You’re taking a danger to rely on the insurance coverage business to spend for any liability that you have, and they’re taking a danger that you will have a mishap and they’ll need to pay. Both of you get some form of benefit, you ñ if something does occur, and just having the assurance, and them ñ by making money on your premiums.


There are some ideas that you can use to move into higher deductibles and hence lower your month-to-month premiums, if you really can not afford the higher premium now.

  • Start a cost savings account – While paying the higher premium and having the lower deductible, open an unique cost savings account just to save the deductible quantity for each type of insurance coverage that you have. For example, if you have a 1000 dollar deductible per individual on medical insurance, $1000 on each car, and $2500 on your home, you will need to save that quantity in the account. As soon as you save two years of deductibles, you can switch to the higher deductible and the lower premium. Then save the difference.
  • Reassess yearly – Take the time each year to speak with your insurance coverage agent about your requirements, concerns, and concerns. Updating your policy once a year is a fundamental part of keeping your payments reasonable and your protection adequate for your requirements.

Weighing the pros and cons of lower insurance coverage deductibles is something almost everybody has to do when picking an insurance coverage item. Comprehend what deductibles indicate, and be sincere with yourself about your ability to pay the deductible and the premium. Your budget plan matters a lot so that you can work all of it out.

What Is Southwest Center City Supplemental Insurance?

If you have an insurance plan that has protection spaces, you might need to purchase something called ‘extra insurance coverage’. This implies just that it is in addition to the insurance protection that you already have. It is typically a secondary payer and only pays after the first insurance coverage has actually paid.

The most typical types of extra insurance coverage are health-related insurance coverage that pays straight to you if you’re hurt (impairment) to assist cover your expenses due to lost salaries, or that pays uncovered health care costs from your other insurance coverage. Integrated with regular insurance coverage it can assist alleviate monetary crises.

A couple of types of extra insurance coverage are:

  • Disability – Coverage you can purchase that will pay money benefits to you for lost salaries, family aid, and even for home shipment if you are disabled.
  • Accident – Sometimes the protection you have through your medical insurance is lacking so you can purchase extra accident protection to assist cover issues that may come up.
  • Health – If your organization offers some protection but it’s lacking, you can go to an insurance coverage agent and buy extra insurance coverage to cover what your location of work does not, such as eye care, oral care and maternity protection.
  • Life – In addition to a routine life insurance coverage policy, you might find that you need more insurance coverage as you age. Rather of redoing the first policy it can frequently be useful to spend for a small extra policy.
  • Medicare – There are lots of spaces in Medicare protection, so getting a supplement is a good idea to assist cover things that are missing out on.
  • Gap – Owe more for your residential or commercial property than it’s worth? You can get gap protection that helps make up this difference if a loss occurs.

Most extra insurance coverage really works similar to regular insurance coverage, but a great deal of times it pays straight to you instead of to others. This which implies you’ll be required to submit the documents yourself. But, if you are brief on cost savings and do not have a high tolerance to risk, you might desire to check out getting extra insurance coverage.

Try to find Gaps in Coverage

To figure out where you need insurance coverage, discuss your protection with a great tooth comb. It can assist if a qualified agent, with a business you desire to work with, is helping you. They can assist you figure out where you might be brief on protection. Take a look at each type of insurance coverage that you need to figure out where you need to come out of pocket excessive, or where you have no protection when you thought you did (such as drug protection).

Talking to an insurance coverage agent, or numerous agents that work with more than one business, can assist you figure out if you need extra insurance coverage or not. Do not ignore the worth of having extra insurance coverage if you need it.

What Long-Term Care Insurance Really Buys You

Long-term care insurance coverage can assist you spend for things that regular insurance coverage won’t. It can spend for:

  • Nursing home stays
  • Home care
  • Alzheimer’s care

The key is that if you need aid with the regular day-to-day activities of living, you might get approved for long-lasting care. Keep in mind that insurance coverage typically won’t kick in until after 90 days of care, so even with long-lasting care insurance coverage you’ll be responsible for the first 90 days. Because many individuals don’t use care like that for more than 90 days, the payout from long-lasting care insurance coverage business is reasonably low.

In contrast, premiums for long-lasting care insurance coverage are very high. Even so, they’re going to go up each year by much more portion wise than than the business is going to pay out.

In basic, long-lasting care insurance coverage pays a certain quantity daily – the average having to do with 150 dollars daily after 90 days, and typically there is a limitation to the total protection such as a year limitation or a day limitation. Read any policy that you are checking out purchasing so that you comprehend the threats, costs and rewards. In some cases the premiums are so high that you ‘d be better off conserving that money yourself and investing it yourself.

There are some ways to choose whether or not long-lasting care insurance coverage deserves it or not.

  • Savings – Are you able to save sufficient money to self-insure for long-lasting care requirements if they should arise? Most long-lasting care scenarios cost from $150 to $250 a day. Could you cover yourself if that took place for more than 90 days? What about numerous years, as is frequently the case when it concerns Alzheimer’s care?
  • Budget – How much will the quantities of long-lasting care insurance coverage cost monthly? Can you even manage it at all? Normally, it’s very pricey due to the rising cost of treatment and the uncertainty in the health care market, in addition to low interest rates that insurance coverage business or you can earn on your money.
  • Health – If your health is iffy today, your premiums might be so high you can not manage it. You can fairly forecast how well off you’re going to be health wise by knowing the health of relatives, and how you care for yourself now. If it’s very unlikely for you to need long-lasting care insurance coverage then it is just a waste of money.

Keep in mind that other types of insurance coverage can cover a great deal of long-lasting care issues anyhow. Workman’s comp, automobile insurance coverage, liability insurance coverage, other types of medical insurance, and even federal government impairment benefits may cover a large portion of the scenarios that might occur to make you need long-lasting care insurance coverage.

Whatever you select, read each policy carefully to comprehend precisely what it covers. Research the business to make sure that it will in fact pay as it states it does. Numerous will fight paying a cent, and a great deal of business have even gotten out of the long-lasting care insurance coverage organization due to how tough it is to earn an earnings.

Who Really Needs Personal Insurance Coverage?

It may surprise you to understand that not everybody requires to have personal insurance coverage. To figure out if you need personal insurance coverage needs an in-depth appearance at your finances, your family and your particular personal circumstance. Like with lots of things but especially with insurance coverage: everybody’s different.

Kinds Of Personal Insurance

The different types of personal insurance coverage you might desire to check out getting are:

  • Life insurance coverage – Can pay financial obligations, final expenses, education, and even supply future income for your spouse.
  • Disability insurance coverage – Can spend for care and unique devices that you need during your impairment.
  • Critical health problem insurance coverage – Can spend for cancer care and other major diseases that your medical insurance won’t cover.
  • Income protection insurance coverage – Do you work for yourself in your own organization? If so, you can’t get unemployment insurance coverage through the work location so you may need to buy insurance coverage to cover your income if something took place to you short of death.
  • Long-term care insurance coverage – Can spend for the cost of care after 90 days in a retirement home or home care, typically between 150 and 200 dollars a day for as much as three years or two depending upon the policy.

These types of insurance coverage can assist you alleviate a monetary crisis caused by among these scenarios. It can be tough to evaluate risk, but it’s something that requires to be made with your family and with the aid of a monetary preparation professional if possible.

Crucial Considerations

It’s important to look at the truth of your circumstance in order to assist you select which types of insurance coverage you need to buy, if any. The things to look at to assist you make the best choices are:

  • Budget – How much money do you have in your budget plan to spend for insurance coverage? If you are already on a super-tight budget plan, some types of insurance coverage such as long-lasting care insurance coverage might be out of your ability to pay.
  • Savings – Are you able to save cash money? You need about 8 months of living expenses in cost savings no matter if you have insurance coverage or not to assist keep your head above water in a crisis.
  • Health – Are you normally in good health? Looking at that risk is important.
  • Family duties – Do you have other people dependent upon you? If so, it’s necessary to figure out how to make the loss of your income, whether short-term or irreversible, less terrible.

Looking at each of these things realistically can assist you determine what type of insurance coverage you need, if any. Be sure to also talk things over with your family, especially your partner – or if you’re a senior, your older kids or other relied on monetary consultant – to make sure that you are making the best option.

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