Get Under an Umbrella

For personal liability coverage that goes beyond the limits of what an automobile, watercraft, or homeowner’s policy provides, consumers are urged to purchase “umbrella insurance.” Also known as “excess personal liability insurance,” an umbrella...

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Droning on

If you or a member of your family uses a drone, you should check with your homeowner’s insurance company as to whether damages caused by drones are covered by the liability portion of your homeowners or renters policy. While some homeowner’s...

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Value Propositions

There are three options to consider when calculating the amount of protection that homeowners insurance will provide. Most standard homeowners policies cover the replacement cost of a home’s physical structure and the “actual cash value” (ACV) of...

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Who or How?

Auto insurance companies are in the business of determining the risk they can assign each person to whom they issue a policy. More and more, they are finding it is better to assess a driver’s likelihood of filing a claim based on his or her...

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Ready or Not

If you think that it is all right to wait just an hour or two after heavy drinking and you will be fine to drive, think again. According to recent research, alcohol continues to affect cognitive functioning even after drinkers feel like they are...

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MATTERS TO DWELL ON

The part of your homeowners insurance policy known as “dwelling  coverage” helps pay for the repair or rebuilding of the physical structure of your home in the event it is damaged by a covered hazard. Dwelling coverage typically extends from the...

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