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Why do I have to carry so much insurance on my property? This is a great question, and one that customers ask frequently. Your policy contains what is called a coinsurance provision.  Coinsurance is essentially an agreement between you and the insurance company. READ MORE >>

If your business owns a vehicle then personal auto insurance coverage may not offer you the protections that you need. Instead, commercial auto insurance might be the better choice, limiting your liability and offering more comprehensive coverage. The Difference between Personal and Commercial Auto Insurance READ MORE >>

Financial Responsibility for Crash, Conviction or Judgment According to the Texas Safety Responsibility or Evidence of Financial Responsibility law, persons whose driving privilege has been suspended or revoked are required to file and maintain a Form Texas SR-22 with the Department. READ MORE >>

The price you pay for your auto insurance can vary by hundreds of dollars, depending what type of car you have and the insurance company you buy your policy from. Here are some ways to save money. 1. SHOP AROUND Prices vary from company to company, so it pays to shop around. Get at least three price quotes. READ MORE >>

Major Improvements to the Interior or Exterior of Your House Can Significantly Change Your Insurance Needs Talk to your insurance agent, broker or company representative before you start the project Let your insurance agent  know about your remodeling plans. READ MORE >>

As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. READ MORE >>

Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home's property value and generally includes the boat, motor and trailer combined. READ MORE >>

What people need to be looking for when they seek cheaper car insurance is not just the cheapest price. The important thing to ask is if what the policyholder receives for that low price is at least what they have with their current insurance policies. READ MORE >>

Standard homeowners and renters insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program - NFIP (888-379-9531) and from a few private insurers. READ MORE >>

Kidnap & Ransom Insurance  “Border Tensions- Executive Liability in an Age of Political Unrest” “Effectiveness of Local [foreign country] Law Enforcement in Question” “Express Kidnappings Pressure Insurance Rates” “Special Forces Deployed to Rescue Hostages” READ MORE >>

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