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Are you currently holding a life insurance policy? If yes, then you might have heard of the term “cash surrender value”. For those who are not familiar with this concept, it can sound confusing and intimidating. However, understanding cash surrender value is essential if you’re looking to make informed decisions about your life insurance policy. […]

Rideshare insurance policies often include three coverage periods. Period one covers your car when using Uber or Lyft while waiting for a request; period two covers you once an order has been accepted and when travelling to pick up its passenger. Period 3 is designed for vehicles carrying passengers. Certain policies also offer uninsured/underinsured motorist […]

Pet insurance costs depend on several variables, such as reimbursement levels, deductibles and coverage limits that impact monthly premiums. Pet insurance provides comprehensive care when your animal becomes injured or sick, such as prescription medicine, surgery, hospitalization and diagnostic tests – some plans even cover alternative therapies like acupuncture! Coverage Pet insurance offers peace of […]

If you have a car loan or lease agreement, your lender likely requires full coverage insurance; however, once it has been paid off you should consider dropping comprehensive and collision coverage altogether. Decisive is whether the cost of your annual comprehensive policy exceeds its value (minus any deductibles). 1. You’re paying more than 10% of […]

Driving without car insurance is illegal and may result in severe fines, yet how do police officers know whether you have coverage or not? By leveraging cutting-edge technology, police officers are now able to instantly check your insurance status through a database. This is accomplished using license plate scanners or on-car computers at traffic stops […]

Dental implants are an increasingly popular and costly treatment option, leading many people to wonder whether health insurance will cover this procedure. Answering this question depends entirely on your specific health insurance plan, which contains numerous coverage provisions which may be confusing and complex. What Is Covered? Dental implants are the go-to treatment option in […]

If any member of your household possesses a driver’s license and regularly uses your vehicles, it is wise to add them to your insurance policy in order to provide sufficient coverage in case an accident should arise. It also gives you access to discounts such as good student discounts for teenagers. Adding a new driver […]

Insurance can be an effective way to guard against disasters; however, over-insuring can leave you paying for coverage that’s unnecessary. Overspending on insurance can seriously compromise savings for down payments, retirement accounts, college funds for your children and emergencies. Therefore, it’s crucial that you review and shop around for policies annually. Policy Limits Insurance policy […]

UPS insurance could provide peace of mind when shipping high-value items or simply want peace of mind that their packages won’t get lost or stolen during transit. Get familiar with what coverage options exist as well as any exclusions. Purchase insurance either online or at a UPS Store by entering your shipment details and declaring […]

Building type is one of the primary determinants of an insurance premium rate; more vulnerable structures require higher premium rates due to risk associated with damage claims. Wood-framed buildings can be susceptible to moisture damage and termite infestation, while steel buildings offer greater peace of mind to homeowners. 1. Structural Integrity Structural integrity refers to […]