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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

Why Some Home Insurance Providers Will Not Cover Your Dog

Is your dog covered under your homeowners insurance? When some homeowners go to secure home insurance, they are surprised to find that the breed of their dog can actually make them ineligible for coverage.  This is because many insurers will refuse to offer coverage to homeowners who have certain "dangerous" breeds of dogs.  Even if your homeowner doesn't deny you coverage completely, they may offer you a limited policy that denies coverage for dog bite liability claims.  But why do insurers Read More

Surprising Coverage Benefits of Having Home Insurance

Did you know that your home insurance policy included these coverages? While you know that your home insurance offers coverage for your property, personal property, and personal liability, this isn't all that it protects.  In fact, most standard homeowners policies offer an array of additional coverages that you may not even know about.  Here are some of the unexpected things covered under your home insurance. Coverage for the Damage Caused by Falling Objects If a tree branch were to Read More

Watch Out for These Home Insurance Myths

Believing these misconceptions could leave you open to risks. Many homeowners have limited knowledge when it comes to the world of insurance.  Unfortunately, this lack of experience can result in dangerous myths.  Because believing in home insurance myths can end up leaving you vulnerable to certain perils, it's important that you know the truth.  Here is the truth behind some of the most common home insurance misconceptions. Myth 1: "All My Personal Belongings Are Covered" Just like any Read More