Insurance Articles

A certificate of insurance or certificate of liability insurance (COI), is a simple form that is issued by an insurance company. Details shared will include the types of coverage, insurance company issued, policy number, named insured, policy effective dates, & the types and dollar value of the limits & the deductibles. Do I need a certificate of […]

So, what is and isn’t covered in most homeowners insurance policies? Most homeowners insurance policies cover damage from fires, windstorm, hail, water damage (excluding flooding), riots & explosion. Other potential causes of loss included, theft and the extra cost of living elsewhere, due to the structure being repaired or rebuilt. Please keep in mind, not

Question: If I live in California, how long will an auto accident stay on my car insurance record? Answer: Insurance companies usually go back 3 to 5 yrs. If an accident is on your driving record it could affect you for that amount of time. The car insurance companies will rate you on an accident which could

Beneficiary. The beneficiary of a life insurance policy is the person that will receive the money from your policy’s death benefit when you pass away. The day you purchase your life insurance policy, you decide who the beneficiary of the policy will be. For example, you may choose one or all of your children, or your wife

When you leave your job you have a few choices. You can choose to stay with your employer’s health insurance plan for up to 18 months, get insurance coverage through a government health care exchange, or another insurer. Question; When I quit my job I was under the impression my health insurance would be good.

If you rent a place, the landlord might ask you to buy renters insurance. Usually they’ll make it part of your rental agreement. Your landlord’s policy will only cover damages or loss for the structure that you are living in. It will not cover your possessions.  The cost of renters insurance; The Insurance Information Institute (iii.org), says the average

If you’re looking for the average cost in the US for motorcycle insurance it’s roughly $702 per year or $59 per month. The average cost of motorcycle insurance in California is $1,360 annually or $113 per month. Your insurance premiums depend on a few determining factors. For example age, driving record, the state and neighborhood

In short an insurance premium is the payment you make to an insurance company to keep your insurance policy active and current. The main insurance categories carry an insurance premium. Health, life, auto etc, all require that the policyholder pay a premium to maintain coverage. Typically your monthly premium isn’t set in stone. Unless it’s

The average cost of motorhome insurance can range from $900 to $3,000 for most motorhomes in the US in 2020. Although, the cost of good motorhome insurance policies will vary. A Class C motorhome will have lower premiums than a Class A RV. The size of your motorhome factors into the cost of insurance as

A lot of times when you purchase a new or used car, the dealership may give you an option to buy an extended warranty or mechanical breakdown insurance. In this article we explore a little bit deeper into how this coverage can benefit you. Mechanical Warranty; What is a mechanical warranty? A mechanical warranty is an extended