homeowners insurance coverage explained

Homeowners Insurance Coverage Explained If you just purchased a homeowners policy and are utterly confused by your declarations page, you are not alone, that’s why have your easy to understand cheat sheet. Homeowners Insurance Coverage explained: Why Bother understanding? There are a lot of confusing insurance terms and figures on your policy, but you should… Continue reading homeowners insurance coverage explained

Car Insurance With No Down Payment

Auto Insurance Quick Guide Can You Get Car Insurance With No Down Payment? The chip shortage, inflation, the pandemic…everyone is seeing hard times. And even something as necessary as a car insurance down payment might seem like the straw that break’s your wallet’s back…so what can be done? What Car Insurance Can I Get With… Continue reading Car Insurance With No Down Payment

Why Is Car Insurance So Expensive?

Why Is Car Insurance So Expensive in 2022?

Car Insurance Rates in 2022 Why is car insurance so expensive? If you have noticed your auto insurance premiums starting to skyrocket in 2022, you are not alone. Insurance companies across the country have been adjusting car insurance rates, and no one is immune. No matter how good a driver you are, you will probably… Continue reading Why Is Car Insurance So Expensive?

earthquake and flood insurance

Earthquake and Flood Insurance: Do You need It? Most people would be surprised to know that a typical homeowners insurance policy does NOT cover earthquakes and floods. This leaves the question…should I get earthquake and flood insurance? They are two separate things…so let’s break it all down, and hopefully from there you can feel better… Continue reading earthquake and flood insurance

How to get personalized Insurance rates

AUTO – INFO How to get personalized Insurance rates As you may know, Insurance prices are calculated using a variety of “rating factors“. Insurance companies have begun to look at a new way to better personalize Insurance rates, based on drivers ability to drive safe, rather than using the other rating factors. These programs reward… Continue reading How to get personalized Insurance rates

5 Things you should know about Renters Insurance

Facts about Renters Insurance 5 Things You Should Know About Renters Insurance What is renters Insurance? Why do I need this type of Insurance? What exactly does it cover? How much does an average Renters policy cost? Is this Insurance different than Homeowners Insurance? These are all very important questions to ask when you are… Continue reading 5 Things you should know about Renters Insurance

questions to ask your insurance agent

QUESTIONS ANSWERED Top 4 Questions to Ask Your Insurance Agent Knowledge is power. Everyone should want to know what exactly they are purchasing, what coverage they are getting for their money, and how much they will be paying for this coverage. We will dive right into what questions you should be asking your Insurance agent,… Continue reading questions to ask your insurance agent

COVID-19 and how it affects Car Insurance Premiums

How does COVID-19 affect Car Insurance? This crisis that has affected the entire world has had an impact on almost every part of society. You may be surprised of the impact on Covid-19 has had on insurance rates. Back in 2020 and most of 2021… When the pandemic first hit the country, stay at home… Continue reading COVID-19 and how it affects Car Insurance Premiums

Insurance Agent Vs Broker

Insurance Agent Vs Broker Insurance Agent Vs Broker: The Difference in a Nutshell What is the difference between an Insurance Agent and a Broker? Both are insurance specialists who sell Property and Casualty Insurance helping the insured purchase insurance coverage from the Insurer (Insurance company). An Agent(or captive agent) works for one single insurance company,… Continue reading Insurance Agent Vs Broker

What is a Double Deductible?

Questions Answered What is a Double Deductible? In short, a double deductible means you will pay your deductible twice, if you are subject to it. So, we have heard of ‘regular’ deductibles, now what is a Double Deductible in regards to your Auto Insurance policy? First, lets dive into the basics of full coverage and… Continue reading What is a Double Deductible?