In the previous article, we discussed the Liability section of an auto insurance policy, including the limits and the policy’s primary function. This article will cover what is included in the auto liability section and your responsibility should you have a claim exceeding your policy limits. CLICK HERE for Personal Auto Liability Medical […]
Auto Insurance- Medical Payment
Auto Liability Insurance – Part 2
In the previous article, we discussed the Liability section of an auto insurance policy, including the limits and the policy’s primary function. This article will cover what is included in the auto liability section and your responsibility should you have a claim exceeding your policy limits. CLICK HERE for Part 1 If you remember, […]
Auto Liability Insurance – Part 1
Liability insurance is a part of an auto insurance policy that takes care of your legal responsibility to others for bodily injury or property damage and provides for legal counsel if needed. It is also your best tool to protect your assets and financial well being. The reality is no prudent person wants to have […]
Auto Insurance Introduction
Auto Insurance can be a little daunting and also frustrating. There are so many coverages, limits, and deductible options that can make it feel overwhelming. It can also be so frustrating because auto insurance typically is one of the more expensive policies we buy. In this video series, I will see if I can help […]
Homeowners: Named Perils vs Open Perils
Every home insurance policy has a list of “triggers” that tell a policy to respond in the event of a claim. That list of triggers is referred to as “causes of loss” or “perils. For this article, I am going to refer to these as perils. When talking about homeowner policies, there are typically two […]
Homeowners: Replacement Cost or Actual Cash Value
The purpose of insurance is to get you back into the position you were financially before a claim. The problem is, depending on the policy you have, you may be in for an unpleasant surprise. Every policy pays claims in one of two ways. We call it “valuation”. Valuation refers to the method of […]
Homeowners policy standard exclusions
We’re going to talk about some standard exclusions that are under any personal property policy. The policies I am referring to are either a homeowner, a condo, a renter’s policy, or a dwelling policy. Any of those sorts of policies will have these standard exclusions included in them, and you need to be aware […]
Homeowners vs Dwelling
Homeowners or Dwelling policy, which do you have? I want to talk to you just for a minute about homeowner insurance. We in the industry like to throw around many different terminologies and abbreviations to explain what we are selling to you. Unfortunately, those terms sometimes don’t mean a lot to you. So I’m […]
Homeowners : 6 Coverage Parts
There are Six Parts to a Homeowners Policy. Do you have the right amounts in the right parts? There are 6 primary coverage sections to your home insurance policy. In another article, we talked about the six different basic types of policies. In this one, we’re going to talk about the different coverage parts. […]
Homeowners : There are 6 basic types
There are 6 different types of policies you can get on your home. Make sure you have the right one. Depending on if you own a home, have an apartment that you rent, or have purchased a condo, you will need one of six different policy types. If you have the wrong one, you […]
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