Personal auto insurance is full of many different coverages, limits and deductibles to choose from. Some of these are required by law, others may be required by your loan company, and the decision to purchase others could be truly up to your preference. So what do you do about those coverages that are optional? Should you skip them in an attempt to save money? Should you buy the lowest coverage possible so you are at least a little protected? Uninsured and underinsured motorist coverage is one of those items that is required in some states and optional in others! So should you purchase?

With hurricane season in full swing, many of us who live near the coast may want to pay a little more attention to the hurricane portion of our insurance policy than we do for the rest of the year! For many of those who live in some of the hardest hit areas, such as South Florida, you may already be pros at the insurance side of a hurricane. But what about those of us who live in places where major hurricane damage is less likely, but still possible? Are you prepared?

Life insurance may seem like one of the most straight forward types of insurance - you pay a premium today and the insurance company is responsible for paying a benefit upon your death. While the basics are fairly simple to understand, there are many different items that you need to be aware of that could affect your coverage. These items are listed as provisions in your policy, and they are the key to making to sure you and your policy are protected!

Even though auto insurance is something that everyone with a car is required to have, very few actually understand the different sections and coverages of their insurance policy. Some coverages may be required such as liability or personal injury protection, but others like physical damage coverage and uninsured motorists coverage may not be. In an attempt to save some money, would it be okay not to purchase some of the optional coverages? Could, or should, you skip the physical damage coverage?

It's pretty common knowledge that home insurance is something that almost everyone purchases - especially when buying your first home. However, what many don't know is that there are so many different types of home insurance policies depending on the type of home you buy and your insurance needs! The most common of all of these policies for a typical single family home is the HO-3 Home Insurance Policy.

Life insurance is something you may feel expected to purchase once you hit certain milestones in your life such as a marriage or children. Now that you've learned about the different types of life insurance and the specifics of term and permanent life insurance, what is the next step? Are you ready to move forward with finding insurance companies and getting your policy? Are you curious what the application process entails?

With the COVID-19 pandemic temporarily closing down businesses, many individuals find themselves staying at home almost non-stop. There is probably the occasional trip to the grocery or for takeout, but other than that your vehicle time could be greatly reduced! Unfortunately, what is not reduced is your monthly car insurance payment - until now!

While a home insurance policy is a great way to cover the majority of items you own, there are a few special items you may need to take a look at. Some types of unique items have a limited amount of coverage under a typical homeowners policy, and may need a floater to adequately insure. Perhaps the most common item(s) are jewelry, watercraft, and firearms!

Unfortunately, until you are in a situation where you either wreck a friends car or vice versa, your first thought when borrowing someone's car isn't the insurance that comes along with it. What if I have insurance and my friend doesn't? Will that affect the future cost of my insurance? So many questions for such a common occurrence!

With travel insurance brought into the forefront of conversations over the past few months, many have been left wondering if it is even worth it? Why would you spend that extra money on something that didn't even cover us during the global pandemic? Even though travel insurance isn't guaranteed to pay out in all situations, it could still be beneficial in various circumstances!