What is a home insurance binder?

An insurance binder is temporary proof of coverage while you wait for the official issuance of your homeowner insurance policy. Certain types of insurance coverage are necessary for you to purchase a home. Your insurer will issue you a home insurance binder if you don’t have standard insurance coverage. A home insurance binder, also known as bind coverage or bind coverage, is […]

Does homeowners insurance cover space heaters?

Heating bills are the largest expense during winter. People often turn to alternative heating sources to heat their homes in winter. If used incorrectly, space heaters or wood burners can cause flames, electric shock, and carbon monoxide poisoning. The National Fire Protection Association states that supplemental heating devices are responsible for two-thirds of all house fires. Make sure to […]

Which States have no Faults in Insurance?

Florida, Minnesota and Hawaii are all considered “no fault” states for car insurance. The Key Takeaways There are 12 states that have no-fault status at the moment: Florida, Minnesota and Hawaii, New Jersey. Kentucky, North Dakota. Massachusetts. Pennsylvania. Michigan. No-fault insurance states for car drivers require that they file claims for bodily injuries and medical […]

Does Insurance Cover Genital Warts Removal?

There are several ways to treat genital warts. Most of the time, the virus causes genital warts naturally. Some people wait for the warts themselves to disappear. You might choose to have treatment because warts can spread from skin-to-skin contact and you might be uncomfortable with their appearance. A health care provider can freeze or burn off some […]