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Bubble Insurance

Life Insurance12 Min Read
Protection from cyberattacks with Bubble’s Homeowners Insurance

Craig S, an IT professional, is the newest member of the Bubble family. His wife is a nurse and they have one child, and another one on the way! Craig and his wife had recently bought a house for their lovely family and buying customized home insurance was top priority.

We love a good recommendation story. With Craig, that’s exactly what happened. One of his friends had a great experience with Bubble and immediately did the right thing by recommending us to Craig – thank you, friend! 

With a new house and a baby on the way, it’s only natural that Craig and his wife wanted the kind of home insurance that would protect everything they hold dear. That’s why a customizable policy is what he was looking for. And that’s exactly what he got from Bubble. Like Craig, you tweak your policy to get the right coverage for your home and personal belongings. Remember, you can get coverage for more than just the structure of your home – garage, gazebo, fences, cyberattacks, and more.

According to CNN, cyberattacks have been on the rise in recent times. Particularly, ransomware attacks. Being an IT professional, Craig knew the gravity of such a scenario. With the right riders, Bubble covered him for any form of cyberattacks like cyber fraud or cyber extortion. Why wait till something goes wrong when you can stay protected right away?

We asked Craig S what he’d tell his friends and family about his Bubble experience and here’s what he had to say – let’s just say we’re thrilled!

What does Craig say?

“Check Bubble out, they’re highly competitive on rates and their associates are extremely knowledgeable but do not pressure clients in any way.I liked that the associate I worked with was extremely knowledgeable and that we could tweak different factors I was looking for in a policy–more so than other brokers I had looked.”

Buying a home takes time. Protecting it takes minutes. Get Bubbling!

Others12 Min Read
How to pick the right Term Life Insurance policy

Buying a term life insurance policy seems like an intimidating process, right? It isn’t. Term life insurance is one of the safest and most cost-effective ways to protect your family and loved ones. And it’s never too early to start since you are never going to be younger or healthier than you are today. And as you may know, term life insurance only gets more expensive with age – even if you maintain perfect health, and in some cases, it can double every few years. So, the ideal time to get term life insurance is typically right now for most people.

But choices abound, both in terms of products, coverages, and features. This causes confusion and frustration, often leading to procrastination. So, let’s cut through the clutter and distil it down to three basic steps. 

But first, what is term life insurance? Simply put, it guarantees a certain amount of death benefit (coverage) for a specified period of time (term), at a fixed price (premium).

Step 1

There are two questions you need to ask yourself before buying a term life insurance policy

1. How much coverage do you need? 2. How long do you need your term to be?

The amount of coverage you need depends on your income, lifestyle, the number of dependents, and how much financial security they need (college tuition for kids, retirement fund, etc). The usual terms for life insurance are between 10 – 30 years, 20 being the most common one.

Step 2

Finding the right insurance provider. We’re going to be a little biased here–obviously.
Simply log into Bubble. Answer a few questions, while our AI guidance system finds you the ideal options for a term life insurance policy. Choose the one that fits you best. Make your payment. Unless you need to go through a medical test, you can be insured in minutes.

Step 3

In case you need any assistance or want to understand more about your term life insurance policy, we’re going to be around even after you’ve bought the policy. Our experts are always going to be a call [(833) 900 BUBB] or an email [support@getmybubble.com] away.

Things to keep in mind

Customize: You can add more coverage to your policy in the future as per your needs–a child on the way, kid’s college tuition, getting married, promotion or salary increase, any debt so your family can pay it off, and so on. Depending on the product you choose, you may be eligible to add coverage to your existing policy with absolutely NO additional medical exams or requirements at the time of layering more coverage!

Health rating: With some products, your health rating can also be locked in when you buy your term life policy, for decades. So, when you need to add more coverage in the future, you don’t have to worry about your premiums increasing due to worsening health. There will be no more health tests, ever!

Premium: If you buy your term life insurance policy at a young age, you can lock in a low premium for years to come–even into your 60s.

Riders: A rider is essentially an additional coverage on your insurance policy that provides you with extra benefits. With Bubble, you can get a living benefit from 2 riders given by both our providers. From both SBLI and Pacific Life Insurance, you can access a portion of the death benefit if the person insured is diagnosed with a terminal illness.  The terminal illness rider (PacLife) provides access to up to 75% of the policy’s death benefit if the insured is diagnosed with a terminal illness with less than 12 months to live at no extra charge!

We hope this short read on how to pick the right term insurance policy helps you provide the financial security your loved ones need.

Get Bubbling!

Home Insurance12 Min Read
Climate Change and its Effects on Insurance

Recent years have brought devastating surprises in the form of hurricanes, wildfires, a pandemic, and more. Almost every industry has been affected and insurance hasn’t been spared either. Rising temperatures and increasingly volatile weather patterns have become common. Climate is changing, all over the world. 

2018 was California’s worst year with wildfires that cost the state and insurers $400 billion. 2019 was relatively uneventful and then 2020 hit hard with nearly 10,000 homes and 4.5 acres of land burned to the ground. The 2020 Australian wildfires killed over a billion animals and was responsible for damages worth over $4 billion dollars. With rising temperatures, the oceans are boiling and have led to more hurricanes than ever. NASA warns that there are 21 percent more storms for every 1.8 degrees Fahrenheit (1 degree Celsius) increase in ocean surface temperatures. Melting glaciers and ice sheets are causing sea levels to rise, posing a severe threat to coastal properties.

Climate change related disasters are almost always severe and leave a trail of destruction which homeowners and insurance companies have to grapple with. Insurance companies are taking steps to come to terms with the consequences of this phenomenon by helping homeowners prevent damages like having them install sprinklers, leak detectors, and so on. When homeowners take basic care of their homes by installing tech-enabled water detecting devices, it mitigates the risk of water damage. Installing moisture sensors can help detect potential pipe bursts before they wreak havoc. These measures are small but effective ways of keeping homes and homeowners safer during the new normal that is climate change.

Homeowners are encouraged to take preventative and defensive measures to minimize the chances of property damage so they don’t have to make a claim in the first place.

Floods

If your home is in a flood prone area or if you’re building a home there, you can raise the structure on stilts to prevent or minimize floods affecting your home. Make sure your gutter runoff is pointed away from your home so water doesn’t pool in the corners. Install valves on pipes to prevent backed up flood sewage coming into your home.

Wildfire

According to the NFPA, most homes suffer damage from wildfires because of embers and small flames. If you live in a wildfire zone, it’s important to use Class A roofing material to minimize the effects of wildfires. Fire resistant materials like metal, asphalt shingles, concrete tiles, clay tiles, and such are great for roofs. Clear dead vegetation away from close proximity to your home. It’s also great to have the whole neighborhood be a part of a fire protection system. A neighborhood is safe only when all homes work together.

Water

In the long run, climate change can be reduced by making small changes in our home. For instance, it takes a lot of heat and energy to treat the water we use. Water leakage detecting sensors are important in preventing water damage, the latter being one of the most common claims. If one in 100 homes use water efficient fixtures we can help avoid 80,000 tons of global warming pollution.

Energy

Heating and cooling appliances use a lot of energy. Ensure all windows, attic and draft-prone areas in your home are sealed and properly insulated. Make it a point to use only energy efficient appliances. Look for the energy star label on refrigerators, air conditioners, and other appliances.

Greenery

Green patches like landscapes, lawns, green walls, and roofs help cool the home significantly and even reduce flood risk since they are equipped to absorb water. A driveway with gravel is far better than a concrete one to help with water absorption. And don’t forget to keep your trees and bushes trimmed so there are no stray branches falling off and damaging your roof and home.

Roof

With hurricanes, storms, and excessive rains becoming more frequent, your roof will take the biggest hit. Using aluminium gutters will prevent water from clogging your roof that would otherwise lead to severe water damage. Be sure to check the shingles in your roof–any gaps or damage can give way to strong winds. Reduce the rooflines so as to discourage buildup of debris and embers. Non-combustible or low-combustible materials to build your roof will be beneficial in the long run to protect your home from fires. If you’re in a storm or hurricane prone area, roof strapping is a must. Straps are made of stainless or galvanised steel designed to protect your roof from undesirable weather conditions.

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