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We often buy auto insurance without understanding what we are purchasing. The excess premium that you pay can be a waste of money. Your auto insurance deductible could be too high. Your deductible is the amount you agree to pay towards the claim. After your deductible, the auto insurance company will usually pay the balance. […]

Recorded statements are a guarantee step in the claim investigative process. Insurance adjusters will call you to request your statements about the accident. Many people believe they are required to provide these statements in order for insurance companies to cover the loss. While most insurance companies include Cooperation Clauses within their policies, they cannot require […]

Purchase of a new car can be thrilling, but before driving off the lot you should secure both comprehensive and collision coverage as well as possibly gap insurance. Many lenders require that you carry this form of coverage when trading in a car; your current policy typically offers protection for an indeterminate time period after […]

Motorcycle insurance isn’t just required by law; it also offers peace of mind and can save the day in case something goes wrong. Keep reading to understand whether your policy covers multiple bikes as well as ways you can save with roadside assistance and other coverages. Coverage is Transferable Motorcycles offer great freedom on the […]

A leaky ceiling is more than an unsightly water stain; it’s a potential time bomb that could lead to extensive structural issues and mold growth, potentially impacting both your home insurance coverage and any repairs necessary. Understanding if your policy includes repair or replacement is vital. Water stains and leaky ceilings may be caused by […]

Your roof is an exposed part of your home that is vulnerable to numerous threats. Homeowners insurance policies usually cover repairs or replacement when damaged due to an insured loss. Home insurance policies typically include dwelling coverage that protects roofs; however, any claims are reduced by your deductible amount and must meet certain thresholds to […]

Premiums are payments to insurance companies in exchange for coverage. They may be paid monthly, quarterly, semiannually or annually and determined based on factors like policy type, risk analysis and demographic data. Underwriters carefully consider dozens or even hundreds of factors when underwriting policies to assess their risk level and ensure an acceptable risk profile […]

Are you looking for a comprehensive insurance plan that can provide financial protection to your loved ones even after your demise? Look no further than whole life insurance! This type of policy offers lifelong coverage with a range of features and benefits that make it an attractive choice for many. In this blog post, we […]

Are you in the market for a new roof? If so, you may be wondering if insurance companies offer any discounts or incentives to homeowners who invest in this important upgrade. After all, a new roof can not only increase your home’s value and curb appeal but also protect it from costly damage caused by […]

Life insurance policies offer essential financial security to loved ones after you die, yet most payments made go towards fees and charges; only some end up in your cash value account which grows according to investment returns. There are various strategies for accessing the cash value in your policy, each offering their own set of […]