Most of us have seen the meme going around that refers to a couple of life lessons that have reversed course over the past couple of decades: don’t get in the car with strangers and don’t meet people from the…
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There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…
Many personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury for which you are responsible, whether it is bodily injury or personal injury. We all know that lawsuits can stem…
For those of us in the insurance industry, after a certain period of time, various lines of business, their abbreviations and the specific coverages provided by those lines become embedded into our brains. This occurs to the point where we…
Most – if not all – homeowner insurance policies in the marketplace contain limitations or exclusions in them for fungi, wet or dry rot, and bacteria. On the surface this might not seem like a big deal; however, should a…
When discussing and rating homeowner insurance policies, personal liability coverage is often an afterthought. Insurance companies and insurance agents don’t always take the time to explain what it is and what it covers. Don’t fall into the trap of th…