Insurance Insights

In most states, you cannot drive a new (or new to you) car off the lot without showing proof of insurance coverage. The reason is simple. It’s the law. There’s a little more to it than that when you’re asking the question “Do you need car insurance to buy a car?”

Renters insurance is becoming increasingly necessary for today’s renters. There are many reasons this is the case, not the least of which involve the litigious nature of society. But that is far from the only reason you need renter’s insurance today.

Most people marginally understand the concept of deductibles when it comes to homeowners or even auto insurance. This is your “shared pain” with the insurance companies in the form of money that comes out of your pockets in the aftermath of an accident or covered event. The insurance companies often provide a lower monthly premium in exchange for a higher deductible. The reasoning is simple. The greater your pain at the point of an accident or other covered event, the more incentive you have to take preventative action to protect and safeguard your property.

You may not have paid much attention to rainproofing your car windshield. However, it can be very dangerous to drive a car with a damaged windshield. You need to get your vehicle looked at if the glass has any blemishes or cracks whatsoever. Patches done on damaged glass can actually make your windshield problems worse.

Loss of use coverage is fairly standard on homeowners insurance policies. Unfortunately, many people fail to recognize just how critical this type of insurance coverage is. With storms raging and wildfires burning out of control across the country, it is more important than ever to understand the strong needs for this specific insurance coverage.

Lending a car on occasion to a friend in need, for a brief period of time, is one thing. Many drivers find themselves faced with this situation at some point in their lives.

National Teen Driver Safety Week (NTDSW) is a designated time that Congress sets aside each year to encourage safe teen driver behavior and their passengers as well as raise awareness of safety topics geared towards teen driver safety. The next NTDSW event will be held on October 15 through 21, 2017.

Although you can’t predict when a flood will occur, you can take steps to reduce your financial losses by purchasing flood insurance. While flood insurance pays for damage to your home, there are other things you can do to keep your family and property safe during heavy rains, tropical storms and hurricanes.

Just like working smoke detectors in your home are important, so is knowing exactly what you’re going to do if you have a fire in your home. Although having adequate homeowners insurance is a big part of your plan to cover you in the event of damage to your home due to a fire, so should be planning how your family is going to escape.

Many renters feel that they do not need renters insurance protection. This is mainly because they do not fully understand what that protection entails or feel they do not have enough possessions to warrant insurance coverage. The truth is, you have more than you realize if you are renting a home and the coverage goes far beyond simply replacing lost, damaged, or destroyed items when disasters occur. Two of our most asked questions for renters insurance are “what is renters insurance?” and “what does renters insurance cover?”.