Blog
-
Don’t Insure Your House for Less than Replacement Cost
- July 13, 2016
- Posted by: Liam Dai
- Category: Uncategorized
No Comments
Don’t Insure Your House for Less than Replacement Cost It seems that homeowners are always beleaguered with an incessant list of problems: a leaky roof, freezing pipes, and the neighborhood dog that keeps digging up your garden. While these are relatively minor, what would happen if some catastrophe did occur? Now, you may have homeowners
-
Insurance Q & A: My Bank Wants to Insure Me More Than I Loan?
- July 6, 2016
- Posted by: Liam Dai
- Category: Uncategorized
Insurance Q & A: My Bank Wants to Insure Me More Than I Loan? Q: “I’ve been talking to my bank about my current homeowners insurance policy. My personal banker informed me that, because I’m refinancing my home for more money ($300,000) than my home is worth ($235,000), I would need to insure beyond my
-
What is Workers’ Compensation Insurance?
- April 4, 2016
- Posted by: Liam Dai
- Category: Worker's Compensation
What is Workers’ Compensation Insurance? If you’re an employer, you know that your employees are your #1 asset. Without them, your business would probably not exist. However, accidents do happen and employees can be subject to injury—or worse, death. Because of this, most employers are legally obligated to take reasonable care of the employees should
-
What is Umbrella Insurance?
- April 4, 2016
- Posted by: Liam Dai
- Category: Umbrella Insurance
What is Umbrella Insurance? Ever had a rainy day of your life and wish you had an umbrella to shield you instead of just that rain coat? Umbrella insurance is like that: protection above and beyond your existing types of coverage. Also referred to a personal umbrella policy (PUP), umbrella insurance acts as liability coverage
-
What’s Pet Health Insurance – and Why Do I Need It?
- April 1, 2016
- Posted by: Liam Dai
- Category: Pet Insurance
If you have a pet in your home, you know that there’s no difference between your fur baby and your family. While you take care of their immediate needs, everyone knows your pet’s long-term health needs to be looked after, too. Veterinarian bills can be expensive, so to be fiscally responsible, it helps to have
-
Classic Car Insurance vs. Standard Car Insurance—What’s the Difference?
- March 25, 2016
- Posted by: Liam Dai
- Category: Auto Insurance
Classic Car Insurance vs. Standard Car Insurance—What’s the Difference? Any car aficionado will tell you that there’s a HUGE difference between a classic car like a 1969 Boss 429 Mustang versus a 2012 Toyota Camry. Insurance is no different. You may have heard about classic car insurance, but not known whether your ride qualifies.
-
Insurance Q & A: Insuring My Wedding Ring
- March 18, 2016
- Posted by: Liam Dai
- Category: Home Insurance, Insurance Q&A
Q: “Hello, RiskBlock. I’m planning on proposing to my girlfriend in the next month. While it’s a big investment, I’ve decided to purchase a rather expensive ring for our engagement and an even more expensive one for our wedding day. After reading a few of your articles on insurance, I think you’d have a great
-
Insurance Q & A: My Bank Wants to Insure Me More Than I Loan?
- March 11, 2016
- Posted by: Liam Dai
- Category: Home Insurance
Q: “I’ve been talking to my bank about my current homeowners insurance policy. My personal banker informed me that, because I’m refinancing my home for more money ($300,000) than my home is worth ($235,000), I would need to insure beyond my home’s value. Is this a standard practice, or do I have a right to
-
What is Business Owner Insurance?
- March 3, 2016
- Posted by: Liam Dai
- Category: Business Owner Insurance
The last thing a business owner needs is more financial headaches. While your inventory may be well-stocked and your employees are well-trained, are you secure in knowing how the future of your business will be? The real answer is that no one truly knows what’s around the corner for their business. Therefore, it is a
-
Homeowner’s Insurance – What’s Covered?
- February 25, 2016
- Posted by: Liam Dai
- Category: Home Insurance
If you’re a new homeowner, you’re probably inundated with bills, mortgage payments, home repairs, taxes, and a myriad of other concerns. What may have slipped between the cracks is homeowner’s insurance. Do you have it? Or, are you aware of what homeowner’s insurance is and why do you need it? What is Homeowner’s Insurance?