The personal property and liability coverage provided within your Homeowners (and Renter) Insurance policy follows you throughout the world. That means your insurance policy is working for you even when you go on Vacation!

If your driving causes death or injury to your spouse and they sue you a Standard insurance policy does NOT provide coverage for either the Defense Cost or Award.

Certain types of personal property have sub-limits on amounts payable upon a loss. The most commonly seen limitation is the $1,500 restriction on Jewelry, (think Engagement Rings).

All you loyal insurance shoppers out there that have been with the same carrier for 10, 15, 20 years… You most likely are still on a Broad Form policy.

I hate this question because it perpetuates the misunderstanding that there is some arbitrary coverage amount that will fulfill an individual’s needs.

2010 marks the completion of my 2nd year in the insurance business and my first real step towards Insurance Greatness.

Writing these business expenses off your taxes can mean thousands of dollars you don’t owe to the Federal Government (As if they don’t already take enough).

The US Fire Administration warns that dry and neglected trees are easily ignited by electrical shorts and open flames from candles, lighters or matches.

The design of all of this is to pray on the Grass is Always Greener mentality that we all have. They skew these numbers to get you to take action and give them an opportunity.

Insurance is often discussed with a disdain only Repo Men can admire. Unfotunately for the passionate insurance Haterz out there, much of the negitive emotion surrounding insurance is based on misconceptions.