What Is Property Damage Coverage On My Car Insurance Policy?
All drivers need car insurance, and in most states it’s mandatory anyway. Still, many people don’t fully realize exactly what the specific terms within their policies mean. Therefore, you cannot just assume that your plan includes all the coverage you want it to if you have not examined it thoroughly. One key component that everyone wants […]
Home Insurance for Vacant Homes
A home that you own might stand vacant for long periods for a number of reasons. For example, you might be working in another city for a number of months. Or, perhaps you will stay with relatives as you recover from an operation, and will be away for some time. Regardless of why your home […]
How Does a Home Insurance Deductible Work?
When you purchase a home insurance policy, one of the many decisions you will make is over your home insurance deductible. An insurance deductible is how much you must pay out of pocket before receiving compensation for a home insurance claim. For example, say a bad storm sweeps in and causes $3,000 worth of damage to your home. […]
Do I Need Full Coverage Car Insurance in Texas?
When looking for car insurance, you will come across a lot of coverage options available for you and your vehicle. Not every policy is created equal, however, and it is important to choose the policy that is right for you. What Insurance is Required in Texas? Texas requires a minimum amount of liability insurance for all […]
Should I Get My Teen Driver Their Own Car Insurance?
Most teen drivers have high chances of making mistakes behind the wheel. For this reason, they often cost a lot more money to insure. Therefore, many parents wonder whether it is better to add a teen driver to the family’s auto policy or to buy them their own coverage. If you are wrestling with this question yourself, […]
What are the Benefits of Bundling Home and Auto Insurance?
Homeowners insurance and car insurance help you protect what are often the most valuable assets you own. By buying coverage, you can protect the value invested in these belongings, along with your family’s liabilities. When comparing policies, you might receive the opportunity to bundle your coverage. This is a convenient way to make policies more cohesive, and bundles also […]
Algorithms, Artificial Intelligence, and Insurance – How to Know You’re Getting the Best Deal
You probably already understand that where you live has an effect on your insurance rates. For example, it usually costs more to insure a car in a big city than it does in a small town – the risk is lower because there are less cars, people, and traffic. But how do insurance companies assess […]
What are the Benefits of Windstorm Insurance?
One characteristic of Texas is that it is a very windy place. The state’s prairie land and flat topography make it easy for constant wind to blow at all times of the year. But when windstorms beckon, a pleasant breeze might become a threatening, damaging hazard. As wind speeds increase, they begin to threaten even the sturdiest […]
How Does Credit Affect Car Insurance Rates?
There are a lot of factors that help insurance agencies calculate your car insurance policies, one of which is your credit. This is the aspect that often confuses and frustrates driver. What could possibly be the connection between an unpaid credit card and a car? Why Rates Vary Insurance agencies primarily calculate car insurance premiums based on the […]
Why Should You Use an Independent Agent for Car Insurance?
Buying car insurance can be nerve-wracking. It’s not a decision you should make lightly, but it can be hard to know where to even start. To begin, you should consider insuring with an independent agency. Having an independent agent at your side can help you find the right coverage at the right price without being trapped with […]
