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 […]
According to a report by Internet security firm Kaspersky Lab, in what could be one of the largest bank heists in history, more than 100 banks and ATMs have been rigged so that thieves could steal up to $1 billion in cash. Hackers from Russia, Ukraine, China, and Europe were involved in the organized crime ring that was […]
It’s a fact: teenage drivers account for more auto accidents than any other age group. However, by practicing safe driving techniques―such as driving defensively―you’ll increase the odds you’ll keep yourself (and your passengers) safe on the road, and you’ll increase your chances of getting more affordable car insurance as you build a good driving record. […]
Safe Boating Tips No matter how much experience you have, it’s always a good idea for everyone to review boating safety rules before departures. Below you will find 10 basic boating safety tips to help you stay safe: Be Weather-Wise. Always check local weather conditions before departure; TV and radio forecasts can be a good […]
If a tree falls and hits your house, are you covered? The short answer is yes. The coverage is quite straightforward: if a tree hits a home or other insured structure, such as a detached garage, standard homeowners insurance policies provide coverage for the damage the tree does to the structure and the contents in […]
Protection Beyond the UsualWhile it’s easy to assume that only a rich person could need that much insurance coverage, you’d be surprised at how important an umbrella policy can be for an average member of the middle class. For example, if you have a car insurance policy with liability coverage, you may think you have […]
If any of the following incidents were to happen, do you know if your homeowners insurance would pay the full claim, part of the claim, or deny it completely? Your golf clubs are taken out of your car. Your expensive digital camera is dropped and broken. Your home-office computer is ripped off. Unfortunately, with just […]
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 […]
Weather Emergency Safety TipsKnow what to do in case of a weather-related emergency. Plan AheadYour home or work routines can be disrupted with little or no warning by natural disasters, fires, or other catastrophic events. You and your family must be prepared as help may not always be available. If you or your loved ones […]