Category: Insurance FAQ’s


  • What is covered by flood insurance and how are flood claims reimbursed?

    The National Flood Insurance Program (NFIP) provides flood insurance to protect two types of insurable property: building and contents. Building coverage includes: The insured building and its foundation The electrical and plumbing system Central air conditioning equipment, furnaces, and water heaters Appliances such as refrigerators and cooking stoves Built-in appliances such as dishwashers Permanently installed carpeting […]

    October 21, 2016

  • Do I have to get homeowners insurance if I own a home?

    Unlike car insurance, you are not legally required to get homeowner’s insurance if you own a home. However, it is highly recommended that you do. If you’re worried about the cost, don’t worry- there’s a number of things you can do to lower the cost of your homeowners insurance. Although it’s not legally required, if […]

    October 18, 2016

  • Loss Assessment Coverage

    What Is Loss Assessment Coverage? Loss assessment coverage is an optional but valuable addition that you can add to your condo insurance. Loss assessment coverage provides protection to condo owners and can be used on claims involving the building or its common areas. Why is loss assessment coverage so valuable? In most condo communities, you will […]

    October 3, 2016

  • Do I need health insurance and is it required?

    Most Americans are required to have health insurance under the Affordable Care Act. The Affordable Care Act holds insurance companies accountable for their actions. It helps lower health care costs allowing it to be more cost-efficient and beneficial for customers. It also helps low-income Americans get Medicaid coverage and eliminates pre-existing conditions as well as gender discrimination. […]

    September 26, 2016

  • When Should You Buy Life Insurance?

    “Age is nothing but a number”. If you’ve ever heard this phrase before, it is partially true. Yes, age is nothing but a number, but as that number gets higher the chances of death increases. There are many different ways that a person can pass away and everything in this world can be a cause […]

    August 27, 2016

  • What does General Liability Insurance cover?

    Liability coverage helps protects you. General liability insurance is designed to cover defense costs, legal fees and judgments and settlements against you when you are being sued. Having general liability means you are protected against paying for those damages out of pocket. General liability insurance covers the following main areas. Bodily Injuries Examples: A client […]

    July 22, 2016

  • What should you do if you are injured at work?

    Accidents are situations that we often have no control over but unfortunately still have to deal with the consequences. If an accident or other incident occurs at work that causes you to become injured or severely ill, worker’s compensation will cover you. Worker’s compensation is a form of insurance that provides wage replacement and medical benefits […]

    July 20, 2016

  • Surprising Things Covered By Home Insurance

    We all know that home insurance can provide you with the money you need to repair your home and/or belongings. But did you know that some home insurance policies also provide coverage for accidents away from the home, dog bites, and more? Before you go out of your way to repair any damage or pay with […]

    July 15, 2016

  • What factors can affect the cost of my automobile insurance?

    Whether you drive a Toyota Camry, a BMW 3 series, a Honda Civic, or some other type of car, a number of factors can affect the cost of your automobile insurance — some of which you can control and some that are beyond your control. Some of these factors that affect the cost of your auto […]

    July 7, 2016

  • What is travel insurance and why do you need it?

    What is travel insurance? Travel insurance is insurance that covers losses incurred while traveling either internationally or within the country. Some examples of things covered by travel insurance include medical expenses, trip cancellation, lost luggage, and flight accidents. Why is travel insurance necessary if its not mandatory? People often think that travel insurance is an […]

    July 1, 2016