Why You Should Have Umbrella Coverage

Jury-in-court

When you have auto insurance and homeowners insurance, you have the basic coverage recommended to cover yourself in the case of an accident or a catastrophe. If you have “big toys” like a boat, snowmobile, ATV or recreational vehicle, you’ll want a policy for each of them as well. But all of these policies have […]

Replacement Cost Coverage vs. Actual Cash Value

TV and Remote

When purchasing a homeowners’ insurance policy, there’s a lot to read and understand in order to know what you’re buying. Not only can premiums vary drastically from one insurance provider to another, so can what is, and what is not covered in the policy. If your property is lost, stolen or damaged, how reimbursement is […]

Dangerous Dogs and Your Homeowners Insurance Policy

Golden Retriever

Some people think of their dogs as four-legged people, others think of them as property, but your insurance company may think of them as only one thing: A potential liability. Let’s face it, dogs are animals who can sometimes bite, and insurance companies understand this all too well. Some insurance companies also believe that certain […]