All standard home insurance plans offer protection to the policyholder for property loss and claims brought against them in the instance that any kind of accident occurs involving guests on their premises. If you find that you’ve been hurt or have experienced damage to your personal property while visiting with someone, it is up to … Read more
Workers within the United States are hurt nearly every seven seconds while on commercial job sites or within businesses, for the most part being covered by their workers’ comp insurance. But there are many unlicensed, uninsured workers who are hurt while performing jobs for homeowners, setting the stage for the insured to tap into their … Read more
Insurance can be a gamble and sometimes you never know when you’re going to need it. Some homeowners never end up using their insurance policies while others file multiple claims a year. Insurance is a gamble. But when gambling with the safety of your home, it’s best to be properly protected. That’s where umbrella insurance … Read more
As drones begin to gain popularity in households, one big question begins to arise: Are they protected under my homeowners insurance policy? To answer this we must consider a couple of aspects when it comes to insurance which are liability coverage and deductibles. The basic answer is yes, they are considered a personal belonging and … Read more
In many cases, yes, home insurance policies cover personal injury. The standard homeowners policy includes liability coverage and medical payments coverage, though there are some exclusions to what is covered. An invited guest is injured, will I be covered? Yes, guests you invite are covered under your liability coverage under the homeowners policy. This coverage … Read more
You love your pit bull and know that wiggly pup with the lazy smile is not interested in anything but cuddling. But because of the breed’s reputation for aggressive behavior, insurance companies may be less than pleased about the pit bull in your home. Whether warranted or not, pit bulls are at the top of … Read more
Short answer: No. Should you get it? Yes. Why? Vacant land isn’t spared from accidents. You’ve heard about wildfires or any other accidents for that matter, right? This is why it is important to get vacant land insurance because you still hold responsibility for anything that happens within the premises. We have covered the basic … Read more
What is Umbrella Insurance? Umbrella insurance is a type of liability insurance to goes above and beyond other policies. In other words, when someone who is insured is responsible for damages caused to another person, the insured person’s primary insurance policy pays its limits and any amount left over more than that limit is picked … Read more
The need for having your home insured doesn’t just start at the time when you’re about to move in. If you own a lot and you’re building your home on it, the risks of accidents, vandalism, or theft are already present the time that you break ground and your contractor initiates the task of constructing … Read more
Personal liability is a standard for any home insurance. While important, it’s also one of the least understood coverages by homeowners. In this article, we’ll tackle everything there is to know about your personal liability insurance by answering 6 key questions: What is personal liability insurance? How can it protect you? Who or what is … Read more
