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Does Your Home Insurance Cover Your Dog?

How to protect you and your dog with the right insurance policy. While you may consider your dog part of your family, your insurance agent considers them a liability risk. Even the most well-trained dogs can bite someone when they feel threatened or are scared, which can lead to a huge liability claim. Knowing what it means to bring a dog into your house in terms of your homeowners insurance policy can help to give you the peace of mind that you deserve. Keep these tips in mind to help find the right home insurance policy for you and your pooch. Take the proper precautions – insurance companies do all they can to protect themselves from any liability issues, and the more precautions that you take, the safer they will feel. Enrolling in dog socialization classes and certified obedience training or putting up the proper fencing can all help to lower ... Read more

Facts You Should Know About Renter’s Insurance

Renter's Insurance 101 Even though renter’s insurance is one of the most affordable types of insurance out there, it is also one of the most misunderstood. Since many people do not fully understand renter’s insurance, it leaves them uncovered from many situations. Keep these renter’s insurance facts in mind to help make sure that you are properly protected from any peril. You face liability issues without renter’s insurance – if someone is injured while visiting your home, you can be sued for their injuries. Your renter’s insurance policy will cover any legal costs that are associated with the accident to keep you financially stable. Your landlord’s policy won’t protect you – even though your landlord will have an insurance policy for the property, it will only provide coverage for the structure of the home, not for your personal belongings that you keep inside. The only way to cover your assets is with ... Read more

How Renter’s Insurance Can Save You Thousands

Renter's Insurance and Thefts If you have ever had anything stolen you know what a hassle it can be. The issues can be even worse if your house or apartment was broken into and you are missing many different items. Along with figuring out exactly what was stolen, you also have to figure out how the thief got into your house. Luckily, investing in the right renter’s insurance policy can help to ensure that you are not left paying for the stolen items out of your own pocket. While your landlord will have an insurance policy for your home, it will only provide coverage for the structure of the home, not for your belongings that you keep in your house. The only way to protect your personal belongings is to invest in a separate renter’s insurance policy. A renter’s insurance policy will provide liability coverage if anyone is injured while visiting ... Read more

Benefits Of Adding Extra Liability To Your Auto Insurance

Excess Liability Advantages When you are looking for the right California auto insurance policy, you are required to have a minimum amount of liability insurance. The minimum amount is $15,000 for the death or injury of one person, $30,000 for the death or injury of more than one person, and $5,000 for any damage to property that you cause. While adding extra liability to your policy will lead to higher premiums, it also comes with many benefits, including: You will be less likely to owe anything out of your own pocket – any damages that exceed your liability coverage will be your responsibility to cover, which may mean digging deep into your pockets to cover the cost. The more liability insurance you have, the less likely it will be that any damages will go beyond your coverage. PIP is not mandatory in California – PIP, also known as personal insurance protection, will pay for ... Read more

Cover Yourself With a Personal Umbrella Insurance Policy

Protection Provided by An Umbrella Insurance Policy Just like an umbrella is meant to protect you from inclement weather, a personal umbrella insurance policy will provide coverage for any unforeseen perils. While you may think that you have plenty of insurance coverage with your existing personal insurance policies, it may not be enough. Investing in a personal umbrella insurance policy is the best way to ensure that you and all of your assets are safe. All insurance policies have a limit on the amount of liability coverage that they will provide. An umbrella insurance policy will provide extra liability that goes beyond the liability provided by your other policies. The protection that comes with an umbrella insurance policy will not “kick in” until the liability portion of your other policies run out, to ensure that you are covered from any situation. A personal umbrella insurance policy will provide coverage for many common ... Read more