Insurance adjusters are trained to approve the minimum payout. They understand that you are under duress and that you may not have all of tools needed to adequately fight a lower-than-expected claim payout. They also know that most claimants don’t realize they can fight for the fair claim they have coming their way. Disputing a …
An exclusion is a typical part of any insurance policy. Simply put, exclusions are exceptions to policy coverage. Although you may have what seems like an excellent insurance policy with ample coverage, you should take another look. The number and type of exclusions could still leave you paying out of pocket. Exclusions are rarely evident …
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When was the last time you gifted someone a diamond necklace, a new car or a work of fine art? Whether you are in the habit of gifting luxury items or it is a one-in-a-lifetime event, you need to be certain that gift is protected. Otherwise, you may have gifted that someone special a heartache …
Wildfires have become an increasingly common occurrence. According to the Center for Climate and Energy Solutions, the number of wildfires in the western United States has doubled since 1984. Projections show the rate of these fires will only increase, which will leave a significant wake of destruction in their paths. When you think of wildfires, …
A second home is an excellent investment. These homes are sometimes purchased for family members who need a place to live. They are sometimes purchased with the intent to make money while charging rent to tenants. In most instances, second homes are vacation properties in locations that are ideal for getaways. Beach homes, mountain lodges …
In many ways, there are few differences between purchasing a historic home and a newer build. You must go through the same purchasing procedures and home inspection. Your mortgage will look the same regardless of the date of the home and you will need homeowner’s insurance. One big difference is the type of homeowner’s insurance …
Buying homeowner’s insurance isn’t a matter of if but how much. You may be concerned about over-spending on homeowner’s insurance, but don’t skimp on what you need in case catastrophe strikes. As the value of your home increases, so should the amount of coverage you have. Homes with higher-than-average value, luxury homes and vacation homes …
An umbrella policy covers you when your basic liability insurance doesn’t. This insurance doesn’t take the place of standard homeowner’s, auto or recreational vehicle insurance. Instead, it takes over when those policies have been depleted. This is why you need umbrella insurance… Still confused? Imagine these scenarios: There is a crack in the sidewalk in …
Private collectors know a thing or two about insurance and insuring the value of fine collectibles. Those high-end collections of art, jewelry, antiques and wine need to be protected at all costs. While no amount of insurance can replace a cherished item from a prized collection, you need to make sure whatever money you have …
