Secure Additional Home Coverage with These Insurance Endorsements

Fill your home insurance coverage gaps with these policy endorsements. As a homeowner, it's important to know that your insurance has certain coverage limitations and exclusions.  These limits can create dangerous coverage gaps.  Fortunately, there are ways to fill these gaps.  For instance, securing supplemental coverage with homeowners insurance endorsements is a great way to get the comprehensive coverage that you need.  Here are some of the policy endorsements that you should consider. Read More

Important Things to Know About Home Insurance Claim Payments

Essential things to know about home insurance claim payouts. If you've never filed a home insurance claim, then you probably do not know how the process works.  However, you should understand certain details about claim payment, so you know what to expect if you ever do file a claim.  Here's what you need to know about claim payment from your homeowners insurance provider. Your Insurer Can Make Claim Payments to Various Parties An insurance check can be made out to the owner of the home Read More

Understanding Insurance Fraud

What is insurance fraud? While concealing the truth or telling a white lie might not seem like a big deal, it is when it comes to your insurance.  This is because omitting facts and telling lies both constitute insurance fraud.  But what exactly is insurance fraud and why is it so bad?  Here's what you need to know. What is Insurance Fraud? In general terms, insurance fraud is lying to an insurance company in an attempt to receive compensation or undeserved benefits.  Insurance fraud Read More

How Driving Experience Affects Your Car Insurance

Why does driving experience matter to car insurers? If you are going through the process of getting auto insurance, then your insurer will ask you various questions about your personal factors.  One of the things they will question you about is your driving experience.  But why is this important and does your experience (or lack thereof) affect your insurance rates?  Here's what you need to know. Inexperienced Drivers Auto insurers assume that the more driving experience you have, the Read More

Car Insurance Myths

The truth behind common car coverage myths. Because many people are unfamiliar with the insurance industry, misconceptions abound.  This is certainly true when it comes to auto insurance.  To ensure that fake facts do not affect your coverage decisions, here are some of the most common myths debunked. Myth 1: State Auto Minimums are Enough Every state in the country requires drivers to carry some minimum about of auto liability insurance.  However, these minimums are not necessarily Read More

Insurance Considerations for Home Buyers

Before you close on a home, consider these insurance factors. When you are shopping for a new home, there's a lot of things to consider.  While things like location, school districting, and structural features are all important to think about, you shouldn't forget to consider homeowners insurance as well.  Here are some of the home insurance questions you should ask before deciding on a home. Is the home located near a fire department? No matter what type of home you are looking at or Read More

Ask These Questions When Looking for New Home Insurance

Ask these questions to better understand your homeowners insurance coverage. While you know that you need homeowners insurance, that might be the extent of your knowledge.  Before you sign off on a policy, it's important that you understand its specifics.  To gain a better understanding of your coverage, here are some of the important questions to ask. 1) What does my policy cover?  Before you settle on a policy, it's important to understand exactly what it will cover.  Generally, Read More