Should I Purchase an Umbrella Liability Policy?
If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s what a personal…
Read MoreCar Safety Can Get You Discounts on Car Insurance
If you are in the market for a new or used auto, it is almost always a good idea to check into the cost of insurance before finalizing your purchase. Generally speaking, expensive cars are also more costly to insure. Moreover, every vehicle has a safety rating that may affect the cost of your premium. Factory-installed safety features often…
Read MoreWhat Kinds of Business Insurance Do You Need?
Business insurance is one of those gray areas. Do you need it or don’t you, and, if so, what kind? For certain businesses – for example, amusement parks and healthcare related industries – it’s an absolute necessity from the get-go, but what if you run a freelance business or engage in low-risk work? Is business…
Read MoreRethinking Your Stance on Earthquake Coverage
Only 17% of California’s homeowners have Earthquake insurance. Are the rest in denial–or making a rational choice? Some financial planners suggest the latter. They say that the majority of California homeowners are opting out after weighing the relatively remote chance of a temblor destroying their homes against the high cost of today’s earthquake coverage. But…
Read MoreIs Your Home Underinsured?
According to the experts, a majority of homes are undervalued by at least 25% on average. Magazines and newspapers frequently feature articles about insureds who suffered major losses only to discover the limit they chose for their homeowners’ insurance was grossly inadequate to fully compensate them. What can you do about it? You pay for…
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