Category: Insurance FAQ’s

  • Will My Insurance Costs Go Up If I File A Claim?

    Are you worried that your insurance rates will increase if you file a claim? This is one of the most commonly asked questions in the insurance agency. Unfortunately, this questions doesn’t have a simple yes or no answer; it depends on the situation and on your personal claim. No two claims are the same. In general, […]

    February 3, 2017

  • How do insurance companies assess risk?

    There are various factors that contribute to how insurance companies calculate risks when offering coverage to an individual. For auto insurance companies, this list generally includes: Demographic information (age, gender, marital status, etc.) Age and experience Driving history / record Credit history Prior coverage Location of residence These factors as well as a few others […]

    January 18, 2017

  • What Does Renters Insurance Cover When Moving?

    As life goes on, many factors in our life may cause us to make the move into a new home. Perhaps you got a new job, or you’re moving to a new place to start fresh. Either way, it is guaranteed that you will most likely move a few times through out your life. According […]

    January 18, 2017

  • How does the kind of car I drive affect my insurance rate?

    Your car insurance rate can be impacted by the kind of car you drive, especially if you have comprehensive and collision coverage. Rates are based on how often the type of vehicle is typically stolen and how expensive it is to replace or fix the vehicle after a theft or accident. Additional factors that can […]

    January 18, 2017

  • If I deliver something like pizza, does my car insurance cover me?

      When there’s nothing in the fridge or you’re feeling a bit too tired to cook who do you call? The pizza delivery guy! Food delivery services have become integrated in our daily lives for its convenience factor. It can also provide some extra cash or a well-needed income for many. Most delivery men and women […]

    January 5, 2017

  • Is it true that red cars are more expensive to insure?

    If you own a red car, do you pay more for car insurance? 44% of Americans believe that this is true. However, the insurance industry is actually “color-blind” when it comes to providing you auto insurance. Whether your car is black, red, striped, or has large painted flames on the side, your insurance rate will […]

    January 5, 2017

  • What does earthquake insurance cover and why should you consider getting it?

    Why do I need earthquake insurance? If there is an earthquake that destroys my home I’ll be okay because I have homeowners or renters insurance that protect my personal property right? Wrong. Your homeowners or renters insurance policy does not protect your house from the damage an earthquake causes, even if the damage is indirect. […]

    January 4, 2017

  • What Is Landlord Insurance and Is It Required?

    What is Landlord Protection Insurance?  Landlord Protection Insurance is an insurance designed for non-commercial landlords who own and rent one to four unit tenant-occupied residential properties such as residential homes, apartments, or condos. It can help protect your residential rental property from damage from fire, break-in, severe weather, and more and can also help protect […]

    October 26, 2016

  • What Does Landlord Insurance Cover?

    Property damage Property damage covers damage that occurs to your buildings and personal property. This includes damage due to fire, storm damage, theft, vandalism, and tenant damage. Ideally, your insurance will cover the replacements costs for your entire rental property in the case of a total loss. Liability insurance Liability insurance protects you against lawsuits […]

    October 26, 2016

  • National Flood Insurance Program

    Did you know that standard home insurance policies do not provide coverage for flooding? It’s super important to have protection from floods associated with hurricanes, tropical storms, heavy rains, and other conditions that impact the United States since you have no control over these forces of nature. Fortunately, the Federal Emergency Management Agency (FEMA) administers […]

    October 21, 2016