Insurance Blog
Insurance 101: The Difference Between Replacement Cost & Actual Cost Value
When you select a homeowners policy, or typically any type of property insurance, you’ve got to choose between two coverage options: replacement cost and actual cash value (ACV). What do these mean, and which one should you choose?
Insurance 101: When is a Car Considered Totaled? What Does It Mean?
Whether you’ve been in a serious accident or your vehicle was caught under bad circumstances – sometimes it may be considered totaled (or, in insurance terms, a total loss) by your insurance company. But what exactly does “total loss” mean?
Insurance 101: Understanding Your Auto Policy Limits
Your coverage limits identify the maximum amount of money your auto insurance policy will pay following a covered loss. Once that limit is reached, you will be responsible for paying any additional costs out of pocket.
Someone Hit My Parked Car, What Should I Do?
Talk about a bad day – you’re getting ready to head out and notice your car has recently been sideswiped by another vehicle. There are three basic steps you’ll want to take after you discover someone has hit your parked car:
3 Auto Enhancements You Should Consider
We all have our good days, and unfortunately, our bad ones. Sometimes life throws surprises at us that we aren’t prepared for, especially on the road.
Understanding Employee Practices Liability Insurance (EPLI)
As a businessowner, you understand there are just some risks you can’t afford to retain on your own. If your business is sued by an employee for discrimination or harassment, the legal costs involved can be quite substantial.
Do College Students Need Renters Insurance?
It’s a pretty big deal – leaving the comfort of your forever home for your new college abode. Whether it’s the first time you’ve moved or the tenth, packing up your entire life is quite a job. Your clothes, gaming consoles, furniture, laptop, books, the list goes on.
3 Things to Consider When Selecting Your Insurance Deductible
Selecting your insurance deductible can seem a bit stressful, but it doesn’t have to be! Simply put, your deductible is the portion of an insurance claim you agree to pay on your own before your insurance kicks in and picks up their portion.
Understanding Umbrella Insurance
You could think of umbrella coverage as the “rainy day” coverage – coverage that is typically used for an unforeseen and/or tragic event. You see, umbrella insurance really has nothing to do with rain at all, it is actually a form of liability insurance.
5 Types of Business Insurance You Might Need
As a business owner, you’ve probably got very little time to worry about “what could happen”. You’re focused on the now, from revenue to inventory to staffing, the list goes on! You’ve got plenty of items on that list, and obtaining the proper insurance coverage might not be at the top of it.
