What Deductible Should I Choose?

 

  The deductible applies only to the coverages on your house and personal property. It is the amount you have to pay out of your pocket on each claim. You can collect on your insurance policy once the deductible amount …

 

 

What is the Definition of a Peril?

 

  A peril is a condition that can cause a loss. Three examples are fire, windstorm, and theft.   Contact us to see if you can save money on your insurance by speaking to a professional independent insurance agent at …

 

 

What Does Property Damage cover?

 

  Property damage coverage helps repair your home and personal property when damaged by such perils as fire, lightning, windstorm or hail. The perils of flood and earthquake are covered only when the coverage is added to your policy. If …

 

 

How Much Home Insurance do I Need?

 

  There are three primary factors in determining how much insurance coverage you need:   The cost of the coverage The amount of protection you want Requirements from lenders   The first step in determining how much insurance coverage you …

 

 

What affects Home Insurance Prices?

 

  Many things affect the cost of homeowners insurance, but here are a few to keep in mind: Type of Construction: Frame houses usually cost more to insure than brick. Age of House: New homes may qualify for discounts. Some …

 

 

What Protection Does the Personal Liability Coverage in my Homeowner’s Insurance Policy Provide?

 

  This coverage protects you and all family members living with you against claims or lawsuits resulting from bodily injury or property damage to others for which you are negligent and legally liable, with exceptions such as intentional acts.  For …

 

 

Does my Homeowners Insurance Policy Cover Flood Damage?

 

  Generally homeowners insurance policies do not offer protection against flood losses. You should check your policy under Section I – Exclusions. It would probably be listed under “water damage”. Flood insurance is available through the federal government’s National Flood …

 

 

Does my Credit Determine my Cost of Insurance?

 

  The short answer is yes and no. Not all states use your credit score to determine the cost of insurance, but some states do pull your credit when running insurance applications. Even if your state doesn’t allow for credit …

 

 

Homeowners Insurance Coverage (Coverage A)

 

  Understanding how different types of Homeowners Insurance Coverage types work is very important in making an intelligent choice of an insurance policy to protect your valuable asset – your home. We often mistakenly think the mere fact that our …

 

 

What is Long-Term Care insurance?

 

  What is a Long-Term Care policy?   Long-term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term …

 

 

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