Insurance is often required by state law or even voluntary contract, but it’s better to think of insurance as a safety net instead of something you must have because someone else says so. Though the state requires you to have a minimum liability amount of coverage on your vehicle, it’s for your protection and that […]
Is Your Insurance Policy for Actual Cash Value vs. Replacement Cost Value?
Pretend, just for a moment, that a fire happened in your kitchen and your oven needed to be replaced. You have homeowners’ insurance, so you’re covered and know that everything will eventually be replaced. When you receive your reimbursement check, though, it’s smaller than you expect. You’re going to have to kick in more out […]
Insuring Your Home When You Have a Dog
Dogs are great, but the sad truth is that they can also be a liability. We love them to pieces, but they are still animals – with sharp, pointy teeth – that can cause damage. That doesn’t mean that you shouldn’t have a dog, but it does mean that you should take some steps to […]
