Insurance 101: A First-Time Homeowners Guide to Choosing a Homeowners Policy
You did it - you officially purchased your first home! There are so many joys that come along with becoming a homeowner, along with a new set of responsibilities. One of those responsibilities is to make sure your home is adequately covered with a homeowners policy.
Insurance 101: What is an Independent Insurance Agent?
Insurance agents still play a very important role in helping consumers find a policy that meets their needs. When you get a quote online, and confirm your policy with no human interaction whatsoever, do you think that policy has your best interest in mind?
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?