Does My Auto Insurance Cover Hit-and-Run Accidents?

When your car is struck by another vehicle but the offender drives away, is the damage covered by your auto insurance? There’s a chance it will be covered depending on the policy you’ve signed up for. That’s why you should be clear on what your auto insurance covers since not every standard auto insurance policy Read More

Home Insurance for Smoke and Ash Damage from a Wildfire: Know What Is Covered

Wildfires can cause smoke and soot to come in contact with your property, damaging its structure and contents. It can also create a smoky atmosphere and odor that are harmful to health. Nonetheless, your homeowners insurance may reimburse such losses, depending on your policy type. Are You Covered for Wildfire-Induced Damages? Most standard home insurance Read More

10 Things That Can Make You Pay Too Much for Auto Insurance

Paying too much for auto insurance can cut down your budget for other expenses. However, there are things you can control to reduce your monthly insurance cost. Here are common reasons why people overpay for auto insurance coverage. #1 You Live in a Rented Apartment Renters tend to pay up to 7 percent more in Read More

Essential Steps to Take While Changing Your Homeowners Insurance

Sometimes homeowners need to switch their home insurance policy or provider, such as when they are moving, trying to save money, or get better coverage. Each homeowner has their own reasons for getting certain types of insurance, depending on how many occupants live in their home and several other factors. When Can You Switch Your Read More

Hotel Insurance Claims: What to Do When Your Guests Go Wild

As a hotel owner, you have most likely invested substantially in your property. Therefore, you must insure your investment. What do you do when one of your guests checks out, and your employees inform you that they caused significant damage during their stay? Do you bill the cost of damage to the guest’s credit card? Read More

Why Do You Need an Umbrella Policy If You Already Have Car Insurance?

Anyone who drives needs auto insurance to comply with state regulations. Some drivers need more coverage than others due to increased risks, such as drivers who go on long commutes and vacations. An umbrella policy is one way to gain extra coverage at an affordable price. How an Umbrella Policy Works The two main components Read More

Workers’ Compensation Settlements: A Brief Overview

Every state requires employers who hire employees to carry workers’ compensation insurance. This coverage pays employees for both medical bills and a percentage of income lost due to their inability to work. It’s a proven useful method for helping employees recover and get back to work faster. Situations Covered by Workers’ Comp Workers’ comp is Read More

Wondering How to Find a Lost Life Insurance Policy? Here’s What You Need to Know

Life insurance proceeds go unclaimed for various reasons. Sometimes beneficiaries are unaware that the policy exists or whether they are named beneficiaries on the policy. They could also have moved, and thus the insurance provider isn’t aware of their new address. They could be unfamiliar with the process of filing a claim if the insurance Read More

9 Items That Are Not Covered by Homeowners Insurance in Lancaster, CA

When you buy a home, you need to ensure your real estate asset is protected by homeowners insurance. Without the basic coverage, you might have to pay twice out of your pocket for the same house, if it ever gets destroyed by a disaster. Even though home insurance provides broad coverage for property damage and Read More