Renters insurance (HO-4) is an insurance policy that protects tenants for their personal property. Renters insurance does not cover damage to the apartment or housing complex the renter resides in … Read more
The concept of life insurance is straight-forward. As a life insurance policyholder, you pay a certain premium each month and when you pass away your family receives the death benefit. … Read more
If you are caught drunk driving and convicted of a DUI (driving under influence), you may face a number of legal repercussions depending on the circumstances. A DUI on your … Read more
Most homeowners in the US have a dishwasher sitting in their kitchen because it’s essential for loading dishes, pans, utensils, and pens. The dishwasher can cause water damage to the … Read more
Trees look beautiful and purify the oxygen we need to breathe. However, it’s difficult to appreciate the beauty of trees if you return home only to find out one has … Read more
The average new car depreciates by 20% in the first year of ownership. This statistic applies to all cars, ranging from sedans to SUVs. Vehicles are susceptible to depreciation and … Read more
Each year more than 40 million Americans are injured in accidents. Many accidents result in death or permanent disability. There are exclusions in life insurance policies which means there are … Read more
California residents who are buying real estate near high-risk areas surrounded by flammable vegetation find it increasingly difficult to obtain home insurance. Wildfires burn thousands of homes in California and … Read more
Home insurance covers property damage and personal property such as the air conditioning (HVAC) unit. Each home insurance policy defines a set of covered perils that you can claim damages … Read more
Hail storms are a frequent occurrence in certain US states and they can cause roof damage to the tune of thousands of dollars. The cost to repair the damage varies … Read more
Bicycle accidents are becoming frequent as cycling increases in popularity. As more bicycles take to the road, the state fails to build cycling infrastructure which causes thousands of collision accidents … Read more
Homeowners policies state very little about mold damage even though it’s a serious issue in many US homes. There are different forms of mold damage and it is hard to … Read more
If you’re considering building a swimming pool, the pool might be covered in your current homeowner’s insurance policy. Insurance companies deem pools a liability, however, they are affordable to insure. … Read more
Power surges are sudden increases in electricity that have the potential to destroy electric hardware in the home in a matter of seconds. If you experience a power surge, this … Read more
There are nearly 800,000 vehicles stolen in the US each year. Compared to vandalism or theft, a stolen car is a lot harder to reclaim. Let’s say your car is … Read more
Short answer: No, life insurance does not cover disabilities; this is what disability insurance is for. The best way to protect yourself and your family is by having both life … Read more
Short answer: Homeowners insurance will not cover a dry well unless it results from another issue that is covered under your insurance policy, like a natural disaster. Wells in the … Read more
Short answer: No, homeowners insurance generally does not cover damage due to arson. In 2017, there were nearly 500,000 structural fires in the U.S., with three-quarters of them occurring in … Read more
Plumbing issues are the bane of every homeowner’s existence. Perhaps the issues are small but can be easily fixed with the help of a few YouTube how-to videos: dripping faucets, … Read more
A lot of people assume that if they are in a car accident and their car is totaled, or if their vehicle is stolen, that their insurance company will pay … Read more
Comprehensive car insurance is an automotive insurance policy that insures policyholders for all non-collision events. If your car is stolen or damaged in an incident not related to a traffic … Read more
