Friday, May 8, 2020Should you have high or low deductibles for your insurance policies:
Understanding deductibles on your insurance policies is the first step to deciding what deductible is best for you, high or low. Your deductible is the mount of money a policyholder will pay out-of-pocket towards the da... READ MORE >>
Thursday, May 7, 2020Being in an accident is always going to be a difficult experience, regardless of who's fault it was. But dealing with the fall-out of an accident can be every bit as challenging too (sometimes even more so). We'll look at at-fault accidents and car insurance rates, so you have a better idea of what to expect. READ MORE >>
Tuesday, May 5, 2020There are few scenarios in which homebuyers don't expect their home to increase in value over time. The nature of real estate is to trend upward, even if there are dips along the way. But it's important for homeowners to know what will happen when things don't go according to plan. READ MORE >>
Tuesday, May 5, 2020What is the difference between Flood Insurance and Water Back up? Are you Protected? Flood Insurance is rarely included in a homeowners insurance policy and if it is, it is very expensive. Here is a typical example in the capital district of NY: rain falls quickly and heavily and the ground is simply not able to absorb the water. READ MORE >>
Friday, May 1, 2020TEEN DRIVING When my five boys were growing up, I was a pretty laid back mom. You wouldn’t find me chasing them around the playground with a tissue because their noses were runny, or hopping over the little league fence because one of them got hit by a pitch. READ MORE >>
Thursday, April 30, 2020Esurance published a report in March 2019 that notes that insurance companies are beginning to increase premiums for customers residing in high-risk natural disasters areas. Home insurance companies are also reducing the number of coverage options and increasing deductibles. READ MORE >>
Thursday, April 30, 2020 When reviewing their Home Owner’s Insurance policy, a common mistake people make is assuming that the Replacement Cost (Coverage A) of their home should match the market value of the home. Comparing these two values can be much like comparing apples to oranges. READ MORE >>
Tuesday, April 28, 2020If you can upgrade your car's safety features, great. If you can take a few advanced driving courses, even better. And of course, there are loyalty and age-related discounts that automatically kick in over time. But what are some easy ways to get your premiums down quick?
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Thursday, April 23, 2020In general, flood coverage is only needed if you have a mortgage on your home and you reside in an area that is considered high-risk for floods. However, you should still consider getting flood coverage even if you don't meet either of these requirements. Most standard home insurance policies do not provide coverage for flooding. READ MORE >>
Tuesday, April 21, 2020When a car is "totaled," what that means is that your insurer has marked it up as a "total loss." That is, to repair the car would cost more than it would to replace it.
So, what happens to a totaled car after you've filed your auto insurance claim?
You Will Typically Retain Ownership of The Car
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