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Archive for the Personal Insurance Category

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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3 Reasons You Need Renters Insurance Before the Holidays

The holiday season is upon us, and while you might be decorating your apartment door with boughs of holly and prepping your Thanksgiving turkey, you should also be arranging for something else: to get covered with renters insurance. Your landlord or property management company has insurance that covers the walls, […]

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Why You Need Rental Reimbursement Coverage

What happens if your car has to be in the shop for an extended amount of time? What are you supposed to drive? Rental Reimbursement coverage takes care of that. This inexpensive coverage is offered by your auto insurance company and will pay for a rental car so you don’t […]

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Tips from the National Flood Insurance Program

If your home has suffered flood damage, here are some steps to help you stay safe and secure in the days ahead.   Beware of Hazards Check for damage. Check for structural damage before re-entering your home. Contact the appropriate professionals immediately if you suspect damage to water, gas, electric […]

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