Understanding Insurance Policies

Understanding Insurance Policies

  • 4 Important Homeowners Insurance Considerations To Make When Purchasing A Home

    If you are in the market to purchase a new home, you not only want to think about whether or not your family is going to be happy there. It's also important to consider all costs, including homeowners insurance costs. This is going to help you determine whether or not you can actually afford the home. Here are four important homeowners insurance considerations to make: Location Makes a Difference: The area in which your home is located makes a big difference in how much you are paying for homeowners insurance.

  • SR22 Insurance: What It Is And Why You Might Be Told That You Need It

    If you have recently lost your license through revocation or suspension, and then try to renew it after the revocation or suspension is over, you may be told that you need SR22 insurance. Like most first-time offenders with revocations or suspensions on their driving records, you may look at the DMV (Department of Motor Vehicles) employee with absolute befuddlement. If the DMV is especially busy on the day you go to renew your license, then it is less likely that you will get any more answers from the employee.

  • Protecting Your Home From Wildfires

    You can get and maintain insurance coverage for wildfire threats to your home if you minimize the risks. Here are three major steps to protect your home from wildfires: Clear Away Combustible Debris Clearing away debris is an easy measure with effective results. Focus on combustible debris such as stacks of firewood, dry grass, dead trees, and brush. The clear diameter, also known as the defensible space, should be as large as possible to keep your house isolated from nearby wildfires.

  • Understanding The Audit For Your Commercial General Liability Policy

    General liability insurance offers protection for your business in case of a variety of potential issues. For example, you may have some financial protection if someone is injured on your property or there's an accident that affects a customer or client. In most cases, the policy premiums are rated according to your company's annual revenue. The premiums are usually set based on an estimate and then adjusted according to your actual figures at the end of the fiscal year.

  • Key Considerations When Insuring An Historic Home

    If disaster strikes, repairing the damage to an historic home can be a costly undertaking. Historic homes generally boast unique design concepts both on the exterior and interior of the home. Building materials, such as wide plank floors, carved wainscoting, stone facades, and ornate stained wood moldings, aren't easy to come by, but when they are the materials are expensive. Calculating the cost of restoring an historic home to its former character can be a difficult task, especially when considering the craftsmanship and building materials that originally went into the home.

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    About Me
    Understanding Insurance Policies

    After I moved out of my parent's home, I started learning more and more about insurance policies. I was involved in a bad car accident, and I ended up working with my car insurance company as well as my medical and dental insurance companies. I paid my premiums and enjoyed coverage, but I didn't really understand how the entire insurance claim process worked. I wanted to make this blog to help other people like me to learn more about insurance coverage. Check out this blog for more details on insurance coverage, how to file a claim, and what you should expect throughout the shopping process.