Wednesday, March 23, 2016

Renters Insurance

Why should a person carry Renter's Insurance if they don't have much stuff or money?  Renter's Insurance not only provides coverage for you and your family's personal belongings but it provides you/family with LIABILITY. READ MORE >>

Friday, February 26, 2016

Jewelry Coverage on Homeowner Policies

All standard homeowner policy forms including: homeowners, condominium, villa and renter policies have LIMITATIONS in the event of loss to jewelry. READ MORE >>

Thursday, February 4, 2016

Is Sinkhole a covered peril on homeowners?

Most of us have seen on news a sinkhole in other parts of the U.S.  In particular, I am thinking of Florida, where yards, streets and homes have simply disappeared. READ MORE >>

Wednesday, December 9, 2015

Does my home insurance cover damage caused by earthquake or flood?

NO.  A standard homeowner policy does NOT generally cover damage caused by earthquake and floods.  These sources of damage require additional coverage or a separate policy. READ MORE >>

Friday, November 27, 2015

Earthquake Insurance Coverage

Earthquake coverage can only be a covered loss if added onto your homeowner policy.  All standard homeowner policies EXCLUDE earthquake coverage; however, many insurance companies will allow t... READ MORE >>

Wednesday, November 11, 2015

Is Guarantee Rebuilding cost offered on Homeowner Insurance?

Many insurance companies have changed the wording on homeowner policies from Guarantee Replacement Cost to Extended Dwelling Coverage with a percentage such as 25%. READ MORE >>

Wednesday, September 30, 2015

Loss Assessment for Condo Policy

If you own a Condominium or Villa(shared wall type of dwelling) you may be familiar with Assessments.  A Condo insurance policy does not cover all types of assessments, in fact maintenance items simply are not covered. READ MORE >>

Wednesday, September 2, 2015

Are deductibles ever waived?

When will an insurance company waive a deductible?  Assuming a person has full coverage on an auto policy most companies will waive a deductible for minor glass repairs(less than size of $1.00 bill). READ MORE >>

Wednesday, July 8, 2015

Auto Insurance Optional coverages

What else can be added an auto insurance policy?  First and foremost higher auto liability limits are an absolute must.  Medical Payments, Underinsured Motorist,  Roadside/Towing c... READ MORE >>

Thursday, January 22, 2015

Flood Insurance Facts

Flood policies do NOT cover finished basements.  Some of the items covered by Flood policies:  Drywall for walls and ceilings(not taped), cleanup, furnace, hot water heater, circuit ... READ MORE >>