Accidents include at fault, not at fault, reported and unreported collisions that you as the driver were involved in. Not at fault occurrences where your parked vehicle was damaged in a collision are also considered accidents.
There are a number of things you can do to lower your car insurance. They include, shopping around, asking for discounts on your current policy, holding multiple insurance policies with the same carrier, and raising your deductible. If you would like to get competitive quotes on your auto insurance, please contact us !
Homeowners insurance provides protection for yourhome, personal property such as furniture, clothing, appliances as well as personal liability. It protects you from a variety of events: a fire, explosions, lightning, vandalism, burglary, storms, and more.
Your coverage should match the value of your home. Homeowners insurance can not cover the land your home is on, only the structure. That means that the insurance amount could be less than the purchase price or loan amount.
Does my homeowners insurance cover my personal property?
It will also cover the personal property you own as well as the structure. Your clothing, furniture, appliances, and other belongings will usually be insured up to a maximum amount.
What about special items such as artwork, jewelry, etc.?
A homeowners insurance policy will frequently limit coverage on some special items artwork, jewelry, coin collections, etc. Homeowners who need additional coverage for these types of items may purchase additional coverage.
If your property is officially designated as being in a special flood hazard area, you must obtain flood insurance. While the federal government provides most flood protection, you are responsible for applying and obtaining this coverage. It's important to know that flood insurance is not included in a standard homeowners policy. Even if your home is not in a special flood hazard area, you may wish to consider whether you need flood insurance. Proposed bill would crack down on uninsured drivers.
