Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
Pet Insurance Liability
Posted: April 7, 2011
Depending on what breed of dog you own, where you live and your insurance company, it could be difficult to buy home insurance that includes liability for your dog. The Humane Society of the U.S. stated that about 39 percent of American households have at least one dog. With the increased amount of dog-bite litigations, some home insurance companies are refusing to...
How you can reduce your risk of identity theft
Posted: April 5, 2011
Here are some key pointers to as how you can reduce your risk. Minimize the number of credit and debit cards you use. Only carry one or two at a given time. Cancel unused accounts. They provide additional targets for identity thieves. However, be aware that canceling credit cards may affect your credit score adversely. Check your mail. If...
Spring is almost here and it’s time to uncover the motorcycle!
Posted: March 24, 2011
Motorcycle Insurance FAQ’s Q. What’s the law in the US regarding motorcycle insurance? Each state requires minimum bodily injury and property damage liability limits to be purchased for motorcycles. The limits vary by states. So, check with your state department of motor vehicles or your agent. However, do remember that in today’s litigious society that the state’s requirement of liability limits may not be enough...
Insurance Coverages That You Don't Really Need
Posted: March 14, 2011
PMI (private mortgage insurance) is an insurance policy that protects the lender against loss when lending to a high-risk borrower. But, the borrower (YOU) pays for this insurance but derives no benefit from it. There are several ways to avoid paying for this. Put down at least 20% of the home's value. If you cannot do this, alternatively, you can put down 10% and take...
Better Ways to Save on Your Insurance
Posted: March 8, 2011
A better way to save on insuring your home is to raise your deductible. An increase from $500 to $1,000 could save up to 25 percent on your premium payments. Most people make the common mistake of insuring a home for its real estate value rather than for the cost of rebuilding. When real estate prices go down, some homeowners may think...