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How Does Your Homeowner Policy Respond To Total Losses?

While homeowner insurance covers individuals and families for many day-to-day claims involving water damage, roof damage, and the like, it is potentially there for you when the unthinkable happens and your house is completely destroyed.

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Two Important Tips for Handling a Total Loss Vehicle Claim

“Your vehicle is a total loss.” These are words you probably never want to hear from your insurance company. But what does “total loss” really mean?

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Replacement Coverage vs. GAP Coverage

With the convenience of our daily driving comes the possibility and inconvenience of being involved in an auto accident. A total loss is possible, depending on what you’re driving and the extent of damage. But what exactly is a total…

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What To Do With a Total Loss

Being involved in a car accident is a scary event. There are many things to think about after. Is everyone okay? Are there any witnesses? If the accident is serious enough that your vehicle is a total loss, it can magnify the scariness…

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Catalog Your Contents for a Better Claims Experience!

I recently handled a theft claim where a home was broken into while the insured and her husband were running errands. The burglars broke in through an exterior door in the back of the home and took twenty years’ worth of…

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Coinsurance 101: Sharing the Risk

You’ve heard of coworkers, cosigning, and cofounders.  But have you ever heard of coinsurance? The coinsurance clause is a provision which requires you to carry enough insurance on your property so the coverage amount is equal to a certain percentage of the property’s…

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