Thursday, September 3, 2015Well, we need to know more about you. The first issue is where do you live ? Property and Casualty Insurance is regulated by the individual states. So, where you live will help shape all of our other answers to your question. If you are looking for auto , home, condo, renters, life insurance and live in AZ, CA,GA, MO,TX, visit us on line at www. READ MORE >>
Wednesday, September 2, 2015Life insurance is not for the person who dies. It is to help and assist the living in carrying on after the loved one is deceased. So fundamentally you buy life insurance to help your family continue on especially in the event that you die unexpectedly or at a young age. READ MORE >>
Tuesday, September 1, 2015In Property Insurance in particular there is something called the Excess and Surplus Lines Market. When the normal market is not available such as because insured is overseas or too many prior claims etc. There is an opportunity to shop through most independent agents for an Excess and Surplus Lines policy. READ MORE >>
Friday, August 28, 2015I am assuming that you hit a car while YOU do not have insurance. In which case you are going to be responsible for the injuries or damage out of your own pocket. You may also be required to prove financial responsibility by demonstrating that you now have a policy in place to continue driving READ MORE >>
Friday, August 28, 2015This is a great topic for one peculiar reason. Many folks in the US have forced placed insurance. This is the mortgage company taking over responsibility for securing coverage when you as the property owner have failed to do so. The main problem is that forced placed insurance is usually very expensive and imposed on the least educated consumers. READ MORE >>
Thursday, August 27, 2015 Let me offer one reason that might be obvious, but is generally is not.One major reason rates go up. Insurers are pricing a product before they know their cost. READ MORE >>
Tuesday, August 25, 2015I am not sure exactly what you mean. But if you mean going without, then no a mortgage company would not allow that, and if you own outright it would be a foolish choice to go without.
If you mean price negotiation , then that really is not practical as the rates used are filed wit... READ MORE >>
Monday, August 24, 2015Let me add a few comments here on how the coverages are usually presented on a Declaration page of a Homeowners policy. First there is the party being insured and who the company is that is providing the insurance. Then there is a specific term for the coverage to begin and end. READ MORE >>
Sunday, August 23, 2015 Renters policies are essentially the same type of policy as a regular homeowners adjusted to deal with property and liability exposures for a person who rents as opposed to some one who owns a property. READ MORE >>
Thursday, August 20, 2015 OK, this will be a quick run down of coverages most commonly needed but the answer may vary some form state to state: The first coverage you need is Bodily Injury Liability. This is the amount of coverage you need to protect yourself from the claims and law suits of people you injure. READ MORE >>
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