Bill Quickel's - Insurance Plus Agencies Inc. Blog
Turning 18 means you are officially an adult. Now, you’re responsible for all of your own life choices and decisions. You may already be driving. You may own a car, or you are planning to purchase one. Your goal should always be to have a policy that matches your life and your needs. Now that you are a bit older, there are a few things to update with your auto insurance agent. Here’s where to focus now.
When a fire, storm, or act of vandalism damages your home, you want to get it fixed as soon as possible. Home insurance may provide you with the financial means to pay for these types of repairs. However, you shouldn’t rush into choosing a contractor for the job. Doing so could cause you financial loss in the long term. Instead, follow these tips for choosing a contractor to help you with the process.
Each state sets laws determining who handles paying for an accident after it occurs. When two parties collide, determining fault is not always the goal. In some states, each person’s insurance pays for the losses. How does this work? Are you in a no-fault or at-fault state? Here is a breakdown of what this means to you.
When a storm comes through any community, it can cause damage to property in a matter of minutes. Many times, the damage comes in the form of structural losses, such as the roof blowing off the property. Other times, it creates risks that go further, such as leaks that can cause you to lose the inventory in your business. Will your business insurance cover this type of risk? The answer to that may depend on several key factors.
A small leak is all it takes. Within a short amount of time, the insulation in a roof can develop mold. The interior of the roof may have structural deficiencies as a result. When a situation like this occurs, it becomes essential to find a solution. Home insurance may not cover this type of damage. It applies only in some situations. When could home insurance help you?
A bird may seem like a small, simple animal. However, it can cause damage to your assets including your car. If you have bird-related damage to your car, your auto insurance policy may cover it. Whether you have coverage depends on many factors. Among them is what type of coverage you have. Take a closer look at when you may be able to file a claim for bird damage with your car insurance.
A smart home is one that provides information and communicates with you no matter where you are. These are growing in popularity today. A wide range of versions are available. Each one seems to do something unique. If you are thinking about the investment in a smart home system of any type, it helps to know what the benefits are. In some cases, they can reduce theft risks and, as a result, lower home insurance costs.
Will home insurance replace a home if destroyed? This is a common question many people ask. Most people believe that, if they lose their home, having home insurance means the insurer rebuilds the property. That is not always the case. In many situations, this depends on what happens, the type of insurance you have, and the value of the home. Your home insurance company wants to help you when this occurs. Yet, whether they can depends on a number of variables. Here is what every property owner needs to know.
Do you know how much home insurance coverage you have? Did you simply sign a contract with an insurer without knowing the details? This could cost you later. Many people select insurance based on the price they paid when buying the home. This is a mistake. Nearly all homes require insurance above market value. That is because it typically costs more to rebuild a home than it does to buy one. How does that factor into the amount of insurance you need?
You visit a location, park your car, and go in. Do you think twice about the area or whether your car is safe? In some situations, parking lots can create a significant risk for a vehicle. No one is around. If an accident occurs, you may face damages you have to pay out of your pocket. Or, perhaps, you may have to file an auto insurance claim. To avoid this, choose the right parking lot and be sure to park safely. How do you do that?