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Archive for the Personal Insurance Category

Insurance Tips for College Students

Your college teen has a lot on their mind right now. Being vigilant about the family car and other valuables may take a back seat to studying. Luckily, they have you to remind them of some important considerations: If they take the family car to college, stress the importance of […]

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Consider Protecting Yourself with a Personal Umbrella Liability Policy

What is Personal Umbrella? A Personal Umbrella provides affordable coverage beyond your basic policies, such as your homeowners, renters, auto or watercraft policies. It helps protect your assets and future earnings, and pays for defense costs in the event that you are sued. Do I Need It? Yes…because everyone makes […]

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Preparing for a Hurricane

Your level of preparation before a hurricane can determine how well you weather the storm and how quickly you recover from it. You should start preparing your home, inside and out, long before a storm is in the forecast. In the end, you can never be too prepared when it […]

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Why Does Homeowners Insurance Exclude Certain Dog Breeds?

If you’re a dog lover, you probably look at your dog and think warm fuzzy thoughts. Your insurance company, on the other hand, probably sees danger signs. This is especially true if the dog’s breed happens to be prohibited under homeowners insurance policies. Known by insurance companies as “excluded dog […]

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Shouldn’t You Insure Yourself and Your Family For As Much As You Insure Strangers?

  The following is a real life example from Certified Civil Trial Attorney, David Sinderbrand.   The hospital room is filled with John’s family and friends as I walk in. There he lay, 19 years old with his left arm severely broken in 3 places after getting hit head-on the […]

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Safe From Flooding? Think Again!

Of all natural disasters, nothing is more costly than flood damage. And surprisingly, whether you live on an island or a mountain, in a desert or by the water, you live in a flood zone. How is this possible? Everyone’s property has some degree of flood risk, even if your […]

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The Cost to Rebuild a Home

If a fire or other disaster destroyed your house, would your homeowners insurance fully cover the cost of rebuilding it? That depends on how much dwelling coverage your policy includes, and you might need more than you think. A variety of factors affect the cost of rebuilding, from the total […]

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Storm-Related Losses – What’s Covered?

With just a few months before hurricane season begins, now is a good time to review what types of storm damage are covered by standard homeowners policies. Not all storm damage is covered. While some homeowners insurance won’t pay for damage to the inside of your house due to a […]

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Why Do My Auto Insurance Rates Keep Going Up?

Keeping auto insurance premiums low seems like an easy task for a safe driver who rarely files a claim. But even for people who have a good driving record, rates keep increasing. Why? Relatively low gas prices mean that people are driving more, and the more time spent driving leads […]

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Advice to Reduce the Likelihood of a Winter Weather Loss

Extreme winter weather has been a major issue throughout much of the U.S. in recent years. In fact, PURE Members reported more than 700 winter weather claims in 2015, accounting for around $50M in losses – the majority of which were due to ice dams and frozen pipes. For perspective, […]

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