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Part of protecting your property with home insurance is protecting what can happen to others at your home. Make sure you understand your liability coverage and have the right amount on your policy. What is liability insurance?Liability insurance is the insurance coverage that protects you in the event that you cause harm or damage, unintentionally,...
We commonly use the phrase "Roof over my head" to refer to the fact that we have a home to live in. This is largely because the roof is arguably the most important part of our home. We commonly use the phrase "Roof over my head" to refer to the fact that we have a home to live in. This is largely because the roof is arguably the most important part...
Condo insurance covers your unit's interior and your belongings inside. It also provides coverages for personal liability, loss assessment, living expenses if you can't live in your condo because of a covered peril, and even more. Owning a condo isn't the same as owning a house, but you still need to protect your property. Condo insurance, also ref...
Far too many people find out too late that flooding isn't covered by their homeowners insurance. Whether or not you live in a flood-prone area, an affordable flood insurance policy is one of the smartest precautions you can take. Has there been a flood in your neighborhood? Maybe you are dealing with unexpected torrential rain, or perhaps a h...
Condos. Homes. Apartment complexes. Rental properties come in all shapes and sizes—and so do insurance policies. How do you find the one that limits your exposure to risk and liability? Being a landlord can be a profitable business, but it comes with a certain amount of risk. Tenants could damage your property, or worse, someone could get injured o...
The incredibly high rates for insuring teen drivers can be shocking—age, statistics and driving record are huge insurance-rate factors. But there are things you can do to help keep insurance rates for teen drivers as low as possible. Teen drivers and their parents are often shocked by the incredibly high rates they are quoted when they go shopping ...
According to the United States Manufactured Housing Institute, 1 out of every 10 homes built in 2019 were manufactured Homes, adding to an estimated 4.1 million in the US. These aren't the "manufactured homes of yester-year!" Today's Manufactured Home market ranges from budget-friendly starter homes to deluxe, even two story, homes with features th...
Landlords are responsible for insuring the house or apartment you rent. But their insurance won't cover your belongings. Renters insurance will help you repair or replace your property in the event of a covered peril. If you don't own your home or apartment it can be easy to write off insurance as something your landlord needs. Renters don't have t...
Riding a motorcycle can be thrilling, but there's more to it than the wind in your hair. Second only to wearing a helmet, carrying the right insurance is one of the best ways to protect yourself and your bike in the event of an accident. Riding a motorcycle can be a thrilling way to travel from place to place, but there is more to it than the feel ...
You did it! You saved up the money, made the down payment, and closed on your first vacation home! Vacation homes or secondary homes are a huge asset and a place where you want to be able to relax and enjoy some time away and not have to worry about whether you have the correct home insurance for it or not. If you have a second home, you might be a...
Your homeowners insurance policy is actually in parts. What covers your home—not your belongings—is dwelling coverage. It will rebuild your home after a fire or other disaster, so it's important not to skimp on your dwelling coverage. Did you know that your homeowners insurance policy is actually broken into several smaller parts? The section of yo...
Your bank requires a full coverage auto insurance policy for your new car. But what is that? Generally, it's a combination of coverages (liability, comprehensive, collision) to protect you and your car in an accident or other emergency. You bought a new car — congratulations! Now your bank says you need a full coverage auto insurance policy to prot...
RV Insurance helps insure your "home away from home" while you are out camping or traveling across the country. It helps cover your liability exposure, plus physical damage to your RV and its contents. RV Insurance is a policy you can get to help insure your home away from home while you are out camping or traveling across the country to surprise y...
Repairs aren't the only cost you'll incur from an accident. You'll also need a rental car or other transportation while your car's being repaired. You might benefit from a rental endorsement as part of your car insurance coverage. Car repairs are not the only cost you will incur if you are in an auto accident. You will also need a rental car or ano...
There's nothing more frustrating than hearing the telltale click of your car's dead battery or finding you have a flat tire. Roadside assistance insurance can help you with a jumpstart, a tire change or by towing your car. There is nothing more frustrating than getting in your car, turning the key, and hearing the telltale click of a dead battery. ...
Some states have no-fault insurance, designed to cover only your property and medical care in the event of an accident. They require Personal Injury Protection (PIP) coverage for medical care for drivers and their passengers in the event of an accident. Some states have no-fault insurance laws, which means insurance policies are designed to cover y...
Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) can protect you financially if you're hit by a driver with no insurance or not enough to cover your bills. Many states require it by law to be in your policy. Being in a serious accident is a terrifying experience. Seeing the damage to your car and possibly even being injured...
Most states require you to carry auto insurance. But how do you know if you have enough? A basic understanding will equip you with the knowledge you need to make smarter decisions when selecting your auto insurance policy. Let's get started! Most states require that you carry auto insurance by law. However, even if it weren't required, everyone sho...
How are auto insurance rates calculated? Factors such as your age, education, occupation, location, type of car, tickets and accidents, possibly credit rating, and more can drive your rates up or down. What is the average cost of auto insurance? (how is rate calculated) Insurance companies take into consideration all sorts of factors to help decide...
Boats offer freedom that cannot be matched by other vehicles. But along with the fun comes some danger and potential for disaster. The right boat insurance policy can help protect you, your family and others from the hazards of boating. Boats offer a level of freedom that cannot be matched by many other vehicles. When we think of boats, our minds p...
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