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There’s no doubt about how indispensable our homes and property are to us. It goes beyond the structures; there are valuable items, documents, home interior finishes, and memories invested in our homes. Sadly, as much as we realize the importance of insuring our homes, very few people understand what their premium covers and how itRead more

According to experts, an estimated 25 percent of drivers on the road are driving without insurance. When an accident is caused by an uninsured motorist, it costs money for drivers of insured cars in property damage, personal injury, higher insurance premiums, and the cost of a lawsuit. Sadly, many people do not understand the implicationsRead more

Do you have homeowners insurance? Is your policy inadequate, or you intend to reduce coverage? Changing your homeowners policy is something that you can do anytime. There are many good reasons, usually remarkable life events, that could necessitate the change. You could be shopping for home insurance because most mortgage lenders require you to buyRead more

Who is a high-net-worth individual? Why does a high-net-worth individual require corresponding high-net-worth auto insurance? An individual with a high net worth has more to lose from accidents, especially when they are the at-fault driver. A low-net-worth individual may declare bankruptcy after liquidating all assets for payment of claims. On the other hand, the high-net-worthRead more

We do not usually ponder car accidents, but if they happen, the information below will guide you in filing for car accident claims and help you gather evidence for a possible personal injury. If you are not injured, it is important to gather evidence from your accident yourself. The speed with which your insurer willRead more

Many homeowners fail to inquire about all the details of their home policy, which then causes them to be surprised when they find out that it doesn’t cover flood insurance. Some homeowners believe they don’t need flood insurance because they do not live in special flood hazard areas. There are two types of flood insurance:Read more

Umbrella insurance provides personal coverage that extends beyond car, boat or home insurance. It also covers the cost for legal fees when a claim is brought against your business for offenses including libel, defamation and vandalism. While you may think that you have enough protection with basic policies, umbrella insurance policy is a far-reaching coverageRead more

When most people inquire about car insurance, they rarely think of asking about fire damage. Depending on where you live, fire damage is a distinct possibility. Living in areas where wildfires are common will increase your risk of fire damage. There are also other types of fire and smoke damage that can impact the conditionRead more

If you want to minimize your spending during the holidays, there are several things you can do to start. While you cannot always save money, you can slow down your spending and start to change your habits for next year. The earlier you start planning your holiday spending, the less you will have to spendRead more

Usually, most Americans tend to binge-eat and consume excessive amounts of alcohol on Thanksgiving Day, caring less about the repercussions of unhealthy eating, including, among others, indigestion and food poisoning. To give you an idea, an average American consumes nearly 4,500 calories on Thanksgiving Day, as reported by the Calorie Control Council. In most cases,Read more