What Is Gap Insurance?

Landscaping Losses: Are They Covered by Insurance? Your neighbor’s teenager drove over your beautiful flower beds. That old oak finally fell, and it took out your fence on its way down. If a disaster hits your landscaping, is this covered by homeowners insurance? In many cases, yes. As part of your home, your landscaping is often covered by your homeowners policy, but not always. Here’s... Read Article

Animal Invasion: Are You Covered?

Animal Invasion: Are you covered? Your dog ate your couch. Birds destroyed your gutter. A family of racoons overran your garage. Will your homeowners insurance cover these animal invasions? Yes and no. Here’s the scoop: Infestation: If your home suffers damage at the hands (or legs) of insects, rodents, or vermin, the cost probably won’t be covered by your homeowners insurance. Whatever damage these unwanted... Read Article

Why Are Auto Insurance Rates Going Up?

Why Did My Auto Insurance Premium Increase? Did your auto insurance rate go up? If you noticed an increase in your premium, this is often due to one of three reasons. Fortunately, there are three things you can do to push that figure back down. Here’s the scoop. Tickets: Did you receive a traffic citation? Tickets are a common cause of insurance rate increases. The... Read Article

Smart Phones for Smart Plans

Your Smart Phone Can Make Your Insurance Plans Smarter It seems like there’s an app for everything these days. Insurance is no exception. With a helpful app, you can enhance your insurance coverage with additional features and convenience. Using the right app can keep your policies organized and allow you to prepare for situations that require claims. For example, do you have an evacuation plan... Read Article

Dealing With Road Rage

Don’t Let Road Rage Ramp Up Your Claims You’re running late. Construction traffic is making things worse. Then, an SUV cuts you off, nearly clipping your bumper. What’s your reaction? Many drivers suffer negative consequences when road rage rears its ugly head. What to do… Slow and steady wins the race. Give yourself extra time to get to your destination. Patience runs short when you’re... Read Article