One of the calls we get frequently is, “I’m buying a new house or a condominium and my mortgage guy said I have to have homeowner’s insurance or hazard insurance. Can you help me with that?” Well let me explain what homeowner’s insurance does. When you purchase a new home or a condominium or an existing home, you want to make sure you have homeowner’s insurance. This is going to protect you in case the home is damaged due to an instance, say, of wind damage, tornado, or fire, or something along those lines. So we want to protect the structure itself.
Do I Need Auto Insurance?
Insurance Change When Child is in College?
o you have a child going off to college. Well there’s a couple of things to keep in mind when it comes to insurance and a child going off to college.
Let’s start with the auto insurance. There are several different things to keep in mind. Is your child going to be taking a vehicle with them to school? If they are, you’re going to want to make sure their coverage is on the vehicle, and that a driver is listed on that vehicle as well. Talk to your agent about that, they can help you select the appropriate coverages.
Who Needs Renter’s Insurance?
So you rented an apartment, and now you need some renter’s insurance. Today I’ll help you with the renter’s insurance, go over what the policy entails, and help you shop for a policy.
A lot of people believe that the landlord’s policy is going to cover them if there’s a fire. Well, the landlord’s policy does not cover any of the tenant’s personal property. If you want coverage for that, you’re going to need to get a renter’s policy. A renter’s policy is relatively easy to get, and it’s relatively inexpensive.
What is Umbrella Insurance and Do I Need It?
Let’s start with some of the basics. The umbrella policy is a very exciting product. It’s a great deal in the insurance world, and I’ll explain that later. Let me just go over what it does for you.
An umbrella policy basically increases your limit of liability coverages and it covers essentially everything you own, whether it be personally or commercially, in case a lawsuit is brought against you.
