The difference between an insurance agency and an insurance company or carrier is a source of confusion for many consumers. And because the answer isn’t completely black and white, the distinction can become a little blurry. But perhaps more important, consumers want to know if one is better than the other for providing the coverage they […]
Your homeowners insurance is a necessity, so you probably don’t think about it much — you just pay the bill. But what if you could lower your annual costs to get more of what you want? Shopping for homeowners insurance rate reductions can pay off, whether you’re looking at auto, boat or motorcycle. Here are eight more ways to lower your costs: 1. Boost […]
Your homeowners insurance isn’t just designed to protect your home — it’s meant to protect you, too. Summer is a season of fun, complete with barbecues, pool parties and bonfires. But spring and summer also bring about an increased risk of accidents. The Centers for Disease Control and Prevention (CDC) estimates there are nearly 12 million additional emergency room visits during these […]
Your homeowners insurance policy is more than a document — it’s your protection. As a homeowner, you’ve invested your livelihood in building or buying a structure to house your family and all your possessions. If something happens to damage it, it’s up to your homeowners insurance policy to pay, so it’s important the policyholder is aware of exactly how […]
Renters insurance is sometimes a requirement for your landlord. It’s clear that if something happens to the house you’re renting, your landlord’s insurance will cover the structure, but the contents won’t be covered. If there’s water damage, a fire or any other major event, you will have to start from scratch with no financial help to replace your possessions. […]
Winter homeowners insurance claims can wreak havoc on next year’s premiums! While winter is one of the seasons that makes you grateful for homeowners insurance, it can also take a serious toll, both on your home and your wallet. Can you reduce the chances you’ll have to file winter homeowners insurance claims? It depends on the claim. Below are four […]
House fires are the most expensive type of insurance claim, making up one-quarter of total claim costs. While weather-related damage may prompt most claims, house fires are undoubtedly the most destructive. House fires are commonly caused by electrical or appliance overload or failure, wiring issues or cooking accidents. While most homeowners insurance policies cover house fires, the extent […]
Getting the right coverage for animal liability could save you from bankruptcy. Your dog is lovable and friendly and wouldn’t harm anyone — or so you think. Even the calmest pets can cause injuries. If a guest trips over them and falls, technically your animal is at fault, and that means you. What Does Your State Say? Animal […]
Is flood insurance important, or is it just one of those extra coverages your insurance agent tries to sell you? It’s definitely extra — it’s not normally included in homeowners insurance policies — but you should reconsider if you think of it as an unnecessary policy add-on. It’s anything but that. Flood insurance could save […]
Home insurance is a must, but you may need a little bit more coverage than others, depending on what’s on your property. Before you carry out your plan to make your back yard the “go-to” place for fun in your neighborhood, consider the fact that the following seven backyard upgrades can drive up the cost […]
