INSURANCE BLOG
Top factors that will increase homeowner’s insurance premiums
Every insurance company will assess the value of your home before issuing the home policy. The replacement value will be the main factor in determining the policy premium.
Little insurance lies with big consequences
When disaster strikes but insurance denies paying the claim, financial hell breaks loose. It’s often caused by misleading information on the original application for coverage.
Temporarily Suspending Your Car Insurance
Going away for an extended vacation? Living for military deployment? Garaging your convertible for winter? All of the above trigger a question: do you need the insurance for the vehicle you don’t use?
Fraud affects your insurance cost. Prevent it!
Con artists are ripping off insurance (and indirectly you) by pretending to fall and get hurt. The price of these false claims is passed on to your insurance policy.
Homeowners 80% coinsurance clause & dangers of being underinsured
Insurance companies will not fully cover the loss if the house is insured for less than 80% of its replacement cost. It is called 80% rule or coinsurance, if you fall below it, it may cost you dearly.
Do I need additional insurance when renting a car?
How many times did you ask yourself this question while standing at the rent-a-car counter? Uncertainty hurts, so let’s dive into the details.
Is insurance for exotic cars in NJ relatively higher?
Exotic Car refers to uncommon, unique, in many cases custom made and very very expensive vehicle. We are talking about Ferrari, McLaren, Lamborghini or Aston Martin just to name a few.
Is General Liability enough?
All business owners agree on one blanket rule: at the very least, they need General Liability Insurance. It can protect them from costs associated with a wide swath of ills, from customers’ bodily injuries to slander.
What is gap insurance and do you need it?
Gap insurance fills the gap between what your insurance company pays for accident or theft, and what you owe on an existing car loan.
Automatic or stick-shift, what’s cheaper to insure?
Insurance premiums for cars with automatic transmission are higher because the repairs are more expensive and more frequently required than repairs on cars with manual transmissions.
Prevent Frozen Pipes and Water Damage
Winter is coming! When water begins to freeze, it expands. This can cause plastic and metal pipes to burst, likely leading to significant water damage to your home.
8 Ways to Lower Your Auto Insurance Rate
It seems that your auto insurance rates always go up and there is little you can do about it. In fact, you have some control over your premium. Here’s what you can do to pay less.
Auto Insurance Fraud
Insurance fraud is one of the largest crimes in the US. Here are some most common examples of car insurance frauds…
Auto Policy Discounts
From your age and gender to your vehicle to where you live, many factors help determine your car insurance rates. There are plenty of auto insurance discounts out there to help you lower your car insurance rates.
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