Category Archives: Finance Guide

Your broker can be switched at any point during your policy year, although renewal time usually provides the most convenient opportunity. Your new broker must submit a letter of appointment to inform insurers they will now take on your policies. Your broker can assist in providing a template. 1. Get Quotes As your first step […]

PIP insurance, also known as Personal Injury Protection (PIP), covers medical bills and lost wages following an accident. While PIP may be required by some states, in others it’s available as an optional add-on policy. While its monthly cost varies based on state requirements and costs it’s essential that any decision to purchase PIP be […]

Imagine finding black mold growing behind your kitchen sink, its spores making you sick, and its removal cost being prohibitively expensive. Your claim could be denied depending on your insurance company and policy, so you need to fight hard for yourself by following these tips: Coverage Homeowners insurance protects against water damage caused by sudden […]

If your vehicle has a salvage title, finding car insurance will likely prove challenging. Lenders often will not lend money on such vehicles and thus it makes finding car coverage difficult. An insurance company declares a vehicle totaled when repairs would exceed 80% of its value; typically when repairs would exceed their original purchase price. […]

Jen Smith needed a roof replacement, but she didn’t expect to be able to do it as a hurricane battered her St. Petersburg neighborhood and brought down a tree on her home. She was able to get her wish, and no one was injured. She said that she took photos, removed the tree as quickly as […]

Riverside drivers are required to have car insurance in order to cover their legal and financial liability in the event that an accident occurs. Although the number of California accidents has decreased by 5.1% between 2018-2019, there is still a risk of an accident. Riverside’s average car insurance cost is $739/year for minimum coverage, and $2,049/year for full coverage. […]

Your driving record is a major factor in the price of auto insurance. A DUI almost always means you will pay higher car insurance rates. Bankrate examines the insurance implications of a DUI conviction, and what other consequences might apply in Colorado. What does a DUI do to your insurance rates? Insurance rates are affected by a […]

Renters and homeowners insurance serve one purpose: to protect the insured against loss and damages. Most home insurance policies provide either actual cash value (or replacement cost) for assigning value. Imagine your TV being damaged beyond repair by a fire in your home. The insurance company would pay you the actual cash value of the TV, which […]

Before a vehicle can legally be driven in the United States, it must be insured. You must show proof of insurance to be able to drive the car home, regardless of whether you’re buying a new vehicle or replacing an old one. You may have to wait for a grace period before you can add your new […]

Between 2003 and 2012, nearly 8500 Floridians were involved in car accidents involving drunk drivers. 2.1% of Florida drivers also reported that they had been drinking excessively. Florida, like other states, takes drunk driving seriously. A DUI conviction is a significant risk factor for insurance companies. Drivers who are convicted of DUIs face a variety of penalties, including increasing insurance […]