What Flood Insurance Covers
Oct18

What Flood Insurance Covers

This year, hurricane season struck in full force. Homeowner’s in many states are beginning the long process of rebuilding after the effects of hurricanes Harvey and Irma. For many, this is the first time filing a claim for flood insurance. Often, after a flood homeowners are surprised to find they lack sufficient insurance coverage. Flood insurance is separate from home yet in some Gulf states, only 20% of homes have flood insurance...

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In An Auto Accident? Do This
Oct10

In An Auto Accident? Do This

Car accidents happen to new and old drivers alike. Knowing the steps to take following an accident can ease the insurance process and protect drivers from liability. The correct immediate actions can save insurance and personal worries later. These are the steps to take following an auto accident: 1. Be Safe Before anything, secure the scene. Safety is the top priority. Exiting vehicles, placing flares or cones, or moving off the...

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Does my Auto Policy Protect Me in a Rental Car?
Oct03

Does my Auto Policy Protect Me in a Rental Car?

Drive it like a rental, right? Only if you have insurance coverage! Renting a car the question comes always up: buy extra insurance with a rental car or pass? Adding insurance to rental cars adds up – up to over $200.00 a week on top of other costs. Rental car companies are charging for rental damages and repairs using complex agreements. The good news is: you may already have rental car insurance coverage. Before renting a car, check...

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Building a Home or Remodeling Get Builders Risk!
Sep22

Building a Home or Remodeling Get Builders Risk!

  Nearly every homeowner insures their home against fire, burglary, and the usual risks. The catch? Often, their insurance only covers completed structures. Home construction and remodels aren’t typically covered under standard home insurance policies. If you’re planning to build or renovate on your property, consider builders risk insurance. What is builders risk insurance Builders risk insurance policies extend property insurance...

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Watch Out For This Before Renting Your Home
Sep21

Watch Out For This Before Renting Your Home

Many homeowners are making extra income renting their homes out short-term. Most don’t know the increased insurance risks this carries – until it’s too late. If you’re planning to rent out your home, make sure you know you don’t risk a lawsuit. More than 60% of homeowners do not know if their insurance covers renters. This is the claim made by Assurant, surveying over 1000 New York homeowners on their home insurance coverage. This...

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Adding a Teen Driver? Do This
Sep14

Adding a Teen Driver? Do This

Recent findings by experts in the insurance industry show that the cost of including a teen on a car insurance policy is decreasing. A few years ago, including a teen driver on one’s auto insurance would have added about 85% to one’s policy only 5 years ago. Currently, the rate change is about 78%. While an improvement it is still a substantial amount. So why is the inclusion of the teen driver seen as an added risk? The main reason...

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