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Here are a few important insurance considerations to keep in mind.  Protect Valuable Electronics  Today’s students rely heavily on laptops, tablets, smartphones, and other electronic devices. These items can be expensive to replace if they’re lost, stolen, or damaged.  Take inventory of…

One important step that often gets overlooked until the last minute is homeowners’ insurance.  Understanding your insurance needs before closing can help make the process smoother and ensure you’re ready when it’s time to receive the keys.  Why Homeowners Insurance Is Required  Most mortgage lenders require proof of homeowners’ insurance…

Understanding the Major Parts of a Homeowners Policy  Your home is likely one of your biggest investments, yet many homeowners aren’t fully sure what their insurance policy actually covers.  Understanding the major parts of your homeowner’s policy can help you feel more…

Comprehensive vs. Collision Coverage Explained  Many drivers assume their insurance policy automatically covers all damage to their vehicle, but different types of damage are covered by different parts of your policy.  Two of the most important coverages for your vehicle are collision and comprehensive coverage. …

PIP, Medical Payments & Uninsured Motorist Coverage Explained  When most people think about car insurance, they think about damage to vehicles. But some of the most valuable coverages on your policy are the ones designed to protect you and your passengers after…

What Happens Financially If You Cause a Car Accident?  Auto insurance can feel overwhelming, especially when trying to understand what each coverage actually does. One of the most important parts of your policy is liability coverage, the protection designed to cover damages or…

Why have insurance rates increased so much over the past few years?  Chris W: Insurance rates have risen largely due to increased claim costs. The cost of labor and materials has gone up significantly, and in the auto industry, access to parts has…

What does it actually mean to be underinsured?  Chris W: Being underinsured means you don’t have enough insurance coverage in your policy to fully protect against financial loss. When a claim happens, your insurance payout may fall short of the actual cost to repair,…

Between paperwork, moving, and setting up your space, insurance is often treated like a checkbox. And that’s where costly mistakes happen.  1. Mistaking Market Value for Replacement Cost  A common misconception is assuming your home should be insured for what you paid…

But the truth is, many fires, both wildfires and home fires, start with something small, preventable, and completely human.  A campfire that wasn’t fully extinguished. A cigarette tossed out too quickly. A grill left unattended on a windy day.  Fire risk isn’t just a natural disaster…