A home office can be a wonderful thing, sipping your morning coffee and deleting pesky emails while still wearing your PJs and fuzzy slippers. But if you have a home office, insurance becomes an important consideration. You’ll need a way to protect your business equipment, but you may also need a way to insure against…
Over 6 percent of insured homes will have a claim this year, and every new sunrise brings another 16,000 reported auto accidents. Modern life is risky business, but with the right personal insurance options, you can protect your family against a myriad of risks. Insurance of any type is the transfer of risk from an…
On the exciting journey to buying your first home, you’ll encounter a few things that aren’t quite as exciting as others. Some aspects of buying a home can even be a bit confusing, like homeowners insurance. As a first time homebuyer with a mortgage, your lender will require that you have a homeowners insurance policy…
Many insurance agents provide transparency and share details of the process when you request a quote or bind a new policy. Other insurance agents are keeping information from you. Full disclosure regarding the process of writing an insurance policy might not move the sale forward smoothly. It’s easier and often better for sales to keep…
What is Personal Liability Insurance? Personal liability insurance provides coverage for the named insured and resident relatives for bodily injury or personal injury caused to others. There are over 5 million dog bites in the US every year. Some of these bites require medical attention, some will cause longer-term trauma, and some may even result…
A basic homeowners insurance policy, also called an HO-6, covers only specifically named perils. However, the most common type of homeowners policy is called an HO-3, which covers (nearly) all risks for your home itself while limiting coverage for your belongings to those caused by named perils. A peril can be thought of as a…