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Weather is the largest cause of loss to homeowner's insurance policies. What's the next biggest cause of loss? WATER. Water claims are messy and are going to ruin your day. No one wants to come home to find a flooded room or water dripping from the ceiling so here are some tips to make sure [...]
The last valuation in our Define Insurance series, CoVerica explains what Actual Cash Value means and how it relates to an insurance claim.
In another installment of our Define Insurance series, CoVerica explains what “Replacement Cost” means in plain English in regards to an actual claim.
Homeowners insurance policies offer actual cash value or replacement cost coverage to replace your damaged, stolen, or destroyed personal property. The only difference between replacement cost and actual cash value (ACV) is a deduction for depreciation. However, both are based on the cost today to replace the damaged property with new property. Let’s take a look […]
Many insurance agencies are enticing customers by offering vanishing deductibles on car insurance policies. Meant to encourage safe driving, the plans trim their collision deductible for each year they don’t file a claim. For example, if a customer’s deductible starts off at $500 and five years pass without a claim being filed, the deductible vanishes […]
When choosing disaster insurance, you basically have two choices, a named peril policy or an all-risk policy. The primary difference between them is that one type of policy covers what is “named” (included) in the policy while the other covers what is not included. In short, “named perils” are less expensive and less comprehensive than […]
Water is one of the most harmful elements for a home and certainly, one of the more common Homeowner’s Insurance claims we see here at the agency. Homeowner’s Insurance water damage may seem innocent enough while you’re watering your lawn or taking a shower, but water can cause structural damage, unsightly blemishes, creates mold, and destroys […]
HI’m going to show you how to take a home inventory for your homeowner’s insurance. We’ll start downstairs. Be careful. Don’t trip over my cat Sully. Okay, let’s begin. Batman costume: $800. No, it’s not a Halloween costume, but a custom tailored replica. Not many people own a Batman costume, but I’m not most people. The authentic […]