Uncategorized

Tree Claims: What to do when your neighbor’s tree falls on your house Any homeowner will tell you the benefits of their trees: cooling shade, tasty fruit, chirping birds, and cleaner air. But what happens when trees attack!? All kidding aside, having a tree fall can be a bit of a hassle, especially when it comes

Discounts and Savings on Auto Insurance? Think again Ever watch those late-night commercials advertising insurance at the lowest rates that will beat or match the competition, despite bad credit or prior accidents. How do they do that? There must be a catch, right? Well, your skepticism isn’t unfounded. This is where reading the fine print

Discounts for Auto Insurance Every U.S. state requires drivers to carry auto insurance if they intend to be out on the road. Most people tend to know this is a mandatory cost of living, but few are aware of how they can save money by finding discounts on their insurance policies that the public simply

Definition of Insurance While we’ve discussed topics of insurance, like automotive insurance  and homeowners insurance, you may have been wondering all this time: what exactly is insurance? Don’t feel foolish asking this question; a lot of confusion comes up between consumers and insurers because of how each party interprets what insurance is and what the

Step-down Provisions – The Danger of Low Cost Auto Insurance While we’ve covered the topic of auto insurance before, whether it was the basics of insuring your vehicle or what type of coverage you need for your classic car, there is one item that consumers most often miss, and it’s not uncommon oversight, either. While it’s usually

Replacement Cost vs. Actual Cash Value One of the most important concepts that those who have homeowner’s insurance  often overlook is what the value of their possessions actually are worth. There’s a distinction between types of value that the insurance industry recognizes—actual cash value and replacement cost. Let’s take a look at the difference before

Statistics of Renters – Why You NEED Renters’ Insurance As we’ve covered before,  renter’s insurance is absolutely essential for renters, whether it’s for damage from fire, theft of possessions, to even esoteric coverage like protecting yourself from libel and slander. However, as advisors in the insurance industry, RiskBlock  we understand that knowing is half the

What Is Personal Injury Coverage and Why Does It Matter to Me? If you have renters  or homeowners insurance  you may feel covered against catastrophes, whether it’s a fire, theft, or someone tripping down your concrete stoop—heck, your possessions are covered even when traveling abroad. That’s all well and good, but have you considered the

Occurrence vs Claims Made Q: “As a professional CPA for the last five years, I’ve always insured my accounting business with professional liability insurance. However,  I’ve been experiencing a few “cash flow problems” lately and was wondering if I could cancel my policy this year, go uninsured (I’m downsizing my clients) then resume it next