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Insurance and the Importance of Definitions For anyone who has ever taken a look at their insurance policy’s fine print, you may have noticed the writing to be difficult to read. Policies have been dejargonized over the years, but not enough for a layman to read. While interfacing with clients, insurance agents and brokers tend

HO-6 Condo Insurance Required by Law by Lenders If you’re new to insuring your condo, the best way to think about it is that a condo/townhouse insurance (known as an HO-6)  is very similar to a renters’ or homeowners’ insurance policies, but with more extras. An HO-6 provides what is known as “walls in” or “studs

Why Do I Need to Get a Photo Inspection? Auto insurance  is mandatory for driving in the United States, but did you know that some states and insurance companies require you to have your vehicle inspected and photographed before finding coverage? In this article, we’ll take a look at just what you have occurs during

Involved in a Car Accident That’s NOT Your Fault? Here’s What to Do (Part Two) In the last article, we discussed what to do after an accident occurs that is another driver’s fault. In Part Two, we’ll highlight some other tips to follow to recoup all of your damages as smoothly as possible.  Out of

Involved in a Car Accident That’s NOT Your Fault? Here’s What to Do (Part One) Bang! Crash! Ever been involved in an accident that wasn’t your fault? Dealing with an accident is never fun. While dealing with the injuries and delays, there’s also the matter of dealing with the insurance company when making a claim

Vacant Property? What You Need to Know Own an unoccupied property? Homes can become vacant for many reasons. For example, perhaps you’ve moved to another home but haven’t sold your property, you’re remodeling your home while living elsewhere, or you own a rental property but are between tenants. Whatever the reason, you should know that

Sports Insurance for Coaches and Athletes, Part 2 (This is a continuation of the previous article, “Sports Insurance for Coaches and Athletes, Part 1”) Organizations Require Insurance? As a word of caution, if you aren’t sure if you’re covered and continue to participate in sports, it may be in your best interest to determine if

Sports Insurance for Coaches, Part 1 Sports are an inherently risky leisure activity or profession for the participants, including the athletes, coaches, personnel, and spectators. Broken bones, fractures, and a whole host of other injuries are the norm for playing sports. So, if that’s common sense, then why don’t more people understand the importance of having

Replacement Value vs. Market Value When all is said and done, owning a home is a lot of work. Bills need to be paid, repairs are never-ending, and paying off a mortgage all tend to weigh down homeowners. What some homeowners tend to miss is not about what homeowners’ insurance entails  but more about how