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Home warranties are service contracts that provide coverage for repairs or replacement of appliances and systems in your house due to normal wear and tear, such as due to severe weather or vandalism. Unfortunately, they won’t protect against perils such as this though. Most lenders require homeowners insurance and most homeowners purchase a home warranty […]

Title insurance costs can be one of the more perplexing line items on a closing cost worksheet, yet getting an approximate idea of their costs should not be difficult. This article will help you gain an understanding of how TRID-regulated disclosures such as Closing Disclosure and Loan Estimate are calculated so you can shop around […]

Homeowners insurance is an invaluable tool, yet some issues still occur that don’t seem covered. A common example involves stucco damage caused by water, particularly around doors and windows. Are Homeowners Insurance Policy Cover Damage? It depends on several factors. First and foremost is whether or not the damage occurred as a result of an […]

Insurance holding companies must disclose various information to state regulators, including details on each insurer within their system’s financial condition and management as well as details about any material agreements or transactions between insurer and affiliates (e.g. asset sales/purchases, loans, dividends/distributions to shareholders/pledge of stock). ALIGNED can connect you with a commercial insurance expert who […]

Car insurance is required by most states and purchasing coverage is an easy way to avoid expensive penalties. When conducting regular traffic stops, police officers can easily run your license plate to instantly check coverage status. Cops use various strategies to ensure drivers comply with state laws. Read on to understand how they can tell […]

The IRS permits taxpayers to deduct supplemental insurance premiums on their taxes; however, before taking this deduction it’s important to keep certain details in mind. Deductibility rules depend on both your employment status and whether or not you itemize deductions; for instance, health insurance premiums you pay as an employee may be payroll deducted before […]

Businesses typically request COIs from third parties in order to verify they possess adequate insurance coverage to complete their projects safely and protect themselves from liability should an incident occur which would be covered under their policy. Any small business or independent professional providing services with potential for financial loss must provide a Certificate of […]

Homeowners insurance provides coverage for many aspects of homeownership; however, not everything. For instance, if your dishwasher springs a leak and damages the floor in your kitchen, homeowners insurance may cover some or all of the damage – but only if it was sudden and accidental. But what about bathtub leaks? NerdWallet investigates whether homeowners […]

Homeowners insurance is an invaluable way to safeguard both your possessions and financial wellbeing against unexpected events. It can protect against property damage, liability issues and additional living costs. When renting out your home, landlord insurance policies provide essential protections. This article outlines their key differences. Property Coverage Homeowners insurance provides essential protection in the […]

Car insurance companies generate revenue by selling policies with premiums attached in return. They also make money through investments and other sources, which helps cover costs while providing financial security in case of claims. Drivers with poor credit tend to pay more for car insurance due to insurers charging them higher premiums as compensation for […]