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When you file a claim against your homeowners’ insurance policy, you normally have a good reason to do so. However, there are times when claims are denied, and it is up to you to figure out why. It may be an error in the paperwork, or there could be something in the policy that you didn’t realize was not covered.
Renters insurance protects a tenant from liability claims and property damage emanating from perils such as theft, vandalism, fire, and some natural disasters. Despite this, only about 40% of tenants in the U.S. have this coverage. While some are just oblivious of their insurance needs, others have intentionally foregone renter’s insurance coverage due to the misconceptions they hold about it.
Many people opt to add custom features to their vehicles to express their creativity. However, adding those modifications will likely alter your auto insurance policy. Here’s a look at how modifications impact car insurance. You have the freedom to personalize your vehicle to align with your style. While feeling comfortable in your ride is important, you also must protect your
Condo owners, especially those in California, have often been at a loss when it comes to finding and purchasing earthquake insurance for their homes. For many years, purchasing earthquake insurance coverage was impossible for condo owners. You had to rely on your HOA or other management organization that had control over the property where your condo was located. Now with
Reading a homeowners policy for many is like looking at a book written in a different language wherein the words and phrases used may be difficult to understand. One such phrase is an ‘Act of God.’ Defining an “Act of God” An “Act of God” is an event that occurs directly because of a force of nature and could not
Every state has mandatory car insurance requirements. Although it may be different for each state, the basic premise is still the same. If you own a vehicle and it is registered with the state, it also must be insured. Even if you don’t drive it much or keep it in the garage for the majority of the year, it still
An emergency will take you by surprise and will require some quick thinking. You will need to react quickly to get things under control. If someone gets severely injured, time is of the essence. With a little training, you will know what to do in any situation and may actually play an integral role in saving someone’s life. Here are
To attract and retain customers, most insurance companies offer multi-policy discounts (bundling discounts). While this may sound like a good deal, bundling policies has some downsides, too. Therefore, you should analyze your situation carefully before bundling your policies. What Is Bundling? Bundling insurance means purchasing multiple insurance products from the same insurance company. For instance, you can buy your home,
Personal injuries can happen at anyone’s home, which is why every homeowner needs to carry a certain amount of liability coverage. For example, a guest might trip over a crack in your floor and sustain serious injuries from the fall. Therefore, you will need sufficient coverage in place to reduce the chances of a lawsuit. Are Personal Injury Claims Common?