Homeowners and renters insurance can help you replace your possessions after a loss, but only if you file a claim in a timely and complete manner. Use these tips to get started. 1. Report the incident to the authorities. For a burglary, vandalism, fire, or other trauma, this is a vital first step. Leaky roofs, […]
Flooding is the most common and costly natural disaster in the United States, causing an average of $50 billion in economic losses each year. Most U.S. natural disasters declared by the President involve flooding. There is no coverage for flooding in standard homeowners or renters policies or most commercial property insurance policies. Coverage is available […]
Exclusions listed in a personal auto insurance policy vary depending upon what state laws permit and then your car insurance company’s guidelines. When something is noted as excluded from your policy, it means that your policy won’t cover it. Exclusions can be associated with a person, property, location, peril, or specific situation. These limitations to […]
Most of the time, car insurance claims are fairly routine affairs involving fender benders or storm damage. Truly bizarre claims, however, are rare and elusive. If you Google “weird auto insurance claim,” you’ll find multiple improbable rumors involving wrecks caused by drivers ogling naked pedestrians, windshields damaged in squirrel nut attacks, and even one report […]
Motor Vehicle Safety and Impaired Driving Motor vehicle crashes and collisions are the leading cause of unintentional injury death across all age groups. Protecting your loved ones not only means being a better driver but also setting an example. Take the time to learn what’s safest for you and your family, including slowing down, buckling […]
Make Motorcycle Riding Safety Your Top Priority Operating a motorcycle takes different skills than driving a car; however, the road laws apply to every driver just the same. A combination of consistent education, regard for traffic laws, and basic common sense can go a long way in helping reduce the number of fatalities involved in […]
With more than 8 million U.S. users and 160,000 drivers, Uber is disrupting the transportation industry in an unprecedented manner. By leveraging technology, they (along with other ride-sharing companies) transform the way we travel, especially in crowded, urban areas. As the ride-sharing industry continues to grow exponentially, auto insurance companies are trying to figure out […]
Your water heater may remain unseen, hidden in a utility closet, or sitting alone in a basement, but keep in mind that it needs regular maintenance for safety reasons. To make sure yours is safe, get to know its parts and learn some important facts. Water heater parts Most residential tanks hold 40 to 60 […]
Did you know that if you own a trampoline that your homeowners insurance will either surcharge you for the increased risk or exclude the claim from coverage? In fact, many insurance companies will refuse to write policies for homeowners with trampolines altogether. Why are insurance companies so averse to covering trampoline-related claims? They seem harmless […]
When you buy or lease a new car or truck, the vehicle starts to depreciate when it leaves the car lot. In fact, most cars lose 20 percent of their value within one year. Standard auto insurance policies cover the depreciated value; in other words, insurance pays the vehicle’s current market value. If you finance […]