The “What” and “Why” Of Flood Insurance Policies

Did you know that your homeowners insurance policy excludes flood coverage?  Most lending institutions require a flood policy if your property is located in a flood zone.  You may still purchase a flood policy even if you are not in a flood zone which may be less expensive than if you were in a flood zone.  A flood policy may cover your home and Read More

Why You Need Umbrella Insurance

Because insurance claims are at an all time high, your basic liability insurance offered through your homeowners, auto, or watercraft policy may not be enough to cover you in the case of a liability lawsuit. Umbrella insurance is tailored to give you more liability coverage- up to 1-5 million dollars. It is impossible to estimate how much a judge Read More

How to Allergy-Proof Your Car and Garage

As seen on HowStuffWorks: Probably the last place you expect allergen overload is in your car. You don't live in it, (although sometimes it seems that way), but you do shed skin flakes, spill coffee, and let mold spores in unknowingly. The dear old auto needs a little attention, too, and this is how you should deliver it: Make sure the Read More

New Automotive Technologies Could Lower Accident Rates & Premiums for Consumers

As seen on Mercury Insurance Group: Improvements in automotive technology, including seat belts, airbags, antilock brakes and electronic stability control have significantly reduced accidents, fatalities and injuries to record low levels. These safety features have helped decrease the injury rate per vehicle-mile driven more than 50 percent Read More

Documents Needed in a Personal Liability Claim

Have you recently been in an accident that left you injured? There are a variety of documents and forms of evidence you will need to have to make a personal injury claim. Compiled are some tips for you to handle a personal injury claim smoothly: You’ll be required to provide photographs of the accident’s location and both vehicles in the Read More

Factors Impacting Your Auto Insurance Premium

Despite popular belief, you are in control of your auto insurance premiums. Your coverage decisions and lifestyle habits determine your risk factor and how insurance companies decide your premium. Consider these factors when wondering why your insurance premium has just increased: Coverage & Deductibles – The specific coverage options you Read More