Albert Dunn

Homeowner's Insurance: Wants -Vs- Needs

Insurance Blog

To a new homeowner, trying to find a homeowner's insurance policy can seem like an overwhelming task. There are so many different options, it is sometimes hard to distinguish between what you want, what you need, and what you can afford. What You Want. Sometimes homeowner's are a little overly suspicious about potential calamities that could be the downfall of their home. If asked what type of coverage they would prefer before looking at the pricing options, most homeowner's respond that they will need earthquake and flood insurance, as well as coverage for most natural disasters.

24 February 2019

Moving To A State With No-Fault Auto Insurance? 3 Things You Need To Know

Insurance Blog

Auto insurance is not the same in all fifty states. About a dozen states have "no-fault" insurance systems. No-fault insurance systems can be a little confusing if you come from the vast majority of states where when it comes to getting paid for damages after an auto accident, it is all about who is at fault. #1 No Fault = Personal Injury Protection When it comes to actually looking at your insurance policy, no fault insurance is actually covered under the personal injury protection section of your insurance policy.

29 December 2018

4 Ways To Lower Your Car Insurance Prices

Insurance Blog

It is likely that your state requires you to have car insurance. Most states do. If you are looking for car insurance, but you are worried about affording it, there are ways that you can get the insurance you need while still saving money on it.  Bundle It You've probably seen it on all the commercials, but it's true, bundling your insurance is one way that you can save money on both your car insurance and your other insurance policies.

15 November 2018

3 Reasons To Use An Insurance Aggregator When Shopping For Car Insurance

Insurance Blog

Shopping for car insurance can be done in a few different ways. One popular way is to look online. Instead of going straight to each company's website, though, you may want to try an insurance aggregator that works with several different insurance companies to provide quotes and insurance information. Many drivers find that this is the ideal way to shop for car insurance. 1. Avoid Entering Your Information Over and Over Again

28 September 2018

Defense Base Act Insurance: What It Is And How It Works

Insurance Blog

Defense Base Act (DBA) insurance is a program in the United States Department of Labor for employees of defense bases overseas. It is an extension of the country's Worker's Compensation program. Any worker that is injured while doing their job will receive treatment and monetary compensation if necessary. Which type of employees can receive DBA insurance? In order to receive the Defense Base Act insurance, you must be employed at certain places.

8 August 2018

Four Common Types Of Auto Insurance

Insurance Blog

Automotive insurance is designed to protect you from the financial costs that come from a collision or accident involving your vehicle. However, while all automotive insurance policies are designed to perform the same function, each is slightly different and provides a different amount of coverage. Understanding the differences between some of the most common types of auto insurance can help you choose the one that best fits your needs. Liability Coverage

16 June 2018

Shopping For A New Home? To Keep Your Home Insurance Rates Down, Keep These 3 Tips In Mind

Insurance Blog

Buying a home comes with a lot of costs. One mistake that new homebuyers often make is failing to consider the cost of homeowner's insurance along with the mortgage rate and other costs. Your home insurance is an ongoing cost of homeownership, and you want to make sure that your insurance rate doesn't cause the total cost of homeownership to exceed your budget. There are a few things that you can keep in mind while shopping for a home that will help keep your home insurance premiums low.

24 April 2018

How Your Lifestyle Can Affect Your Home Insurance Rates

Insurance Blog

There are many things that affect home insurance premiums, but did you know that the lifestyle you lead can affect your home insurance rates? Here are four examples of lifestyles that may affect home insurance rates: You Are a Pet Person There are two types of people in this world: those who love pets and those who don't. Now, your home insurance company will not judge you for being one type of person or the other; however, owning a pet increases your risk of filing homeowner's insurance claims.

16 March 2018

4 Things To Consider When Shopping For Health Insurance

Insurance Blog

Shopping around for health insurance can be a stressful time. With so many options available to you, it may seem overwhelming to pick just one plan. Here are some things you should consider when shopping around for health insurance. Know What Doctors Are In The Network If you have a preferred set of doctors that you visit, you'll want to find out if they are included in the network for the health insurance plan.

6 February 2018

How Your Home's Location Impacts Your Insurance Premiums

Insurance Blog

There are many factors that go into determining your overall insurance premiums. While some things are in your control, such as selecting your deductible, others are not.  One thing that you cannot change about your current home is its location, and it will impact the premiums due to several reasons, many of which affect the cost of your residential insurance claims. The Potential For Natural Disasters Different areas are more prone to natural disasters than others, which can make this unavoidable.

18 December 2017