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​Harvest Insurance Group Blog

Avoid Fines And Penalties: How To Keep Your Commercial Auto Coverage In Check

6/23/2025

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If your business relies on vehicles—whether it’s a single delivery van or a full fleet—commercial auto insurance isn’t just an optional safeguard; it’s a legal necessity. Failing to maintain proper coverage can lead to costly fines, suspended operations, or even lawsuits that jeopardize your business.
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In this guide, we’ll explain what commercial auto insurance covers, how to stay compliant, and practical tips to ensure your policy remains up to date and penalty-free.

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Managing Multiple Tenants? Here’s How Landlord Insurance Has You Covered

6/16/2025

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Owning and managing multi-unit rental properties can be a rewarding investment—but it also comes with increased risks. Whether you're renting out a duplex, apartment building, or multiple homes, landlord insurance is your essential line of defense against costly mishaps and liabilities.
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Standard homeowners insurance won’t cover tenant-occupied properties. That’s where landlord insurance steps in—with customized protection tailored to the realities of rental property ownership.

Here’s what every multi-unit landlord should know about landlord insurance, and how it keeps your investment protected.

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How Your Credit Score Could Be Steering Your Auto Insurance Rates

6/9/2025

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When it comes to setting auto insurance premiums, most people expect factors like age, driving history, and vehicle type to play a role. But there’s another factor quietly influencing what you pay: your credit score.

Yes, in most U.S. states, insurers use your credit-based insurance score to help determine your risk—and therefore, your rates. While this may seem surprising, it’s a widespread practice that can either work in your favor or cost you more if you're not paying attention.
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Below, we explain how and why your credit affects your car insurance premiums—and what you can do to improve both.

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Deductibles Demystified: Making Sense Of Your Home Insurance Costs

6/2/2025

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Home insurance is a must-have for protecting your property and belongings, but understanding your deductible—and how it affects your out-of-pocket costs—can be confusing. Whether you’re a first-time homeowner or reviewing your current policy, knowing how deductibles work can help you make smarter financial decisions and avoid surprises when filing a claim.
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In this article, we’ll break down what a home insurance deductible is, how it impacts your premiums, and tips for choosing the right deductible for your needs.

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(940) 441-7157
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