Blog Archive

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

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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

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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

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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,

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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?

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Insurance companies take on a lot of financial risks to secure your policies. In return for them taking such a large risk, they rely on their clients to be as honest as possible when filling out applications and providing valuable information they will need to secure your policies. Whether intentional or unintentional, being dishonest can dramatically increase the risk a

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Most renters are people who cannot afford a home and all the monthly costs that go with it. In the quest to live a low-cost lifestyle, renters often overlook the financial benefits of having a renters insurance policy. A growing number of landlords require that their tenants carry a specified amount of renters insurance to lower their risks. What Renters

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Home insurance helps protect one of your most valuable assets, your home. If something were to go wrong, generally, your next move would be to file a homeowners insurance claim. However, there are some cases when filing a claim may not go as smoothly as you would like. Unfortunately, there have been several cases of insurance companies denying home insurance

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Thousands of earthquakes happen around the world each year. If you live near a fault line, you should make sure you have proper earthquake insurance. It likely is not included in your basic homeowners insurance plan, especially if you live in an area prone to regular seismic activity. Here are important facts you should know about earthquake insurance. The Basics

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