Category General

A no-fault accident involves two drivers who are not at fault. No-fault jurisdictions pay for injuries and car damage by each driver’s insurance. No-fault accidents remove the need to assign responsibility, but drivers frequently question how they will affect their…

Pop up campers, also known as folding campers or tent trailers, are a popular and affordable option for RV camping. Insuring a pop up camper protects you financially in the event of an accident, damage, or theft.  This article provides…

Insurance underwriting is the process of evaluating insurance applications to determine the risk an applicant poses to the insurance company. The role of an underwriter is to decide whether or not to insure an individual or business based on that…

Hurricane insurance is crucial for homeowners in Florida due to the high risk of these powerful storms.  This article will provide an overview of hurricane insurance requirements, deductibles, factors affecting cost, and tips for finding affordable coverage in the state. …

Aggregate insurance refers to a type of insurance policy that sets a maximum limit on the total payout amount an insurer will pay over a set period of time, typically one year.  Rather than paying claims until a per-claim limit…

Key person insurance is an important type of business insurance that protects companies against financial losses that can occur due to the death or disability of a vital employee. This insurance policy provides funds and coverage to offset revenue losses,…

The Federal Emergency Management Agency (FEMA) designates different flood zones to indicate the level of flood risk for specific geographic areas.  These flood zones are important for understanding flood insurance requirements. There are three main categories of FEMA flood zones:…

The term “named insured” refers to a specific person or entity that is listed on an insurance policy.  Being named as an insured on a policy provides that party with certain rights and responsibilities relating to the policy.  Understanding what…

An insurance guarantor is a person who agrees to fulfill the policy obligations if the policyholder fails to make payments or meet certain requirements as per the insurance contract.  The guarantor provides a guarantee to the insurance company that the…

Property damage by water is widespread and expensive. From 2014 to 2018, water damage and freezing made up 24.8% of homeowners insurance claims, averaging $10,849. If a leak in your house caused water damage, you may be wondering how to…