What exactly is homeowner’s insurance? This type of insurance provides protection for your physical home (dwelling), the furniture and other contents (personal property) and, sometimes (if available) loss of use, in the event damage to your home requires that you stay in a motel for a while. [Our proverbial first party coverages.] Of course, since a . . . → Read More: Opening The Homeowner Window
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Part I began the breakdown of the auto policy, starting with the Declarations page and ending with the Liability coverages. The rest of the policy is set up pretty much the same. Every coverage has an insuring agreement, definitions, Exclusions, and Limits of Liability specific to that coverage. Further, there may be other special provisions germane . . . → Read More: Reading Your Policy – Part II We talked about you getting to the point where you could read your insurance policy (whatever type) with some semblance of understanding. This is a good place to note the parts of a typical insurance policy with a brief description of what each part is about. To keep it simple, we will address an auto policy . . . → Read More: Reading Your Policy – Part I You’ve heard the phrases first party and third party in relation to insurance, right? Do you know what they mean? Perhaps. But, for the sake of those who may not, let’s chat about it. An insurance policy is a contract. A contract is comprised of several elements: a meeting of the minds, an offer, an acceptance and . . . → Read More: The Party of the First Part…Ugh! Whatever type of insurance you obtain does not come free. Insurance coverage is provided by a company that takes on the risk of the value of what you are insuring. When you buy insurance, you become an insured with the company providing the risk (the insurer) and the contract that is created between you and the . . . → Read More: Insurance Premium – The Good, The Bad, The Why |
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