Insurance
What Does Renter’s Insurance Cover?
One of the biggest reasons people forgo buying a renters insurance policy is that they dont think they have enough stuff, or that the stuff they have isnt valuable enough, to justify spending money every month on premiums. Those people who feel this way obviously dont know what renters insurance covers.
The specific answer to what does renters insurance cover is really up to the policy, there are some general things that a policy should cover. If any policy put before you for your signature doesnt protect at least these things at a minimum then you should seriously consider looking for a new insurance provider before you are locked in to a policy that isnt up to par.
Of course when we think of a renters insurance policy we first think of coverage pertaining to the things we own. A Read more…
Rental Agency Car Insurance: Is It Worth the Price?
When vacationers rent cars this summer for their adventures, the big debate isn’t likely to be about whether to get a compact, a mid-size or a full-size, but whether to sign up for the insurance the rental company is offering.
Gas prices are already making road trips more expensive than they were last summer, so the extra $7 to $14 a day — or as much as $40 per day for more comprehensive rental car insurance — might be tempting to pass up. Whether or not you should is a something you should figure out long before you get to the counter.
“You should not make a snap decision,” says Loretta Worters, vice president of the nonprofit Insurance Information Institute. Read more…
Dollar Matters: Insurance Edition
One of the biggest financial mistakes that people make is not ensuring that their assets are protected. Insurance is one of the ways that you can protect yourself from high costs, and financially protect your family in the event that something happens to you. Here are some great recent articles related to insurance:
Insurance Basics: How to Save on Insurance
Over at Get Rich Slowly, there is a series on insurance. This particular post offers some helpful hints on how you can save money on your next insurance policy.
Term Life Quotes
Consumer Boomer offers some helpful hints on evaluating term life insurance quotes. Learn a little more about term life, why it can be helpful, and how you can get a term life policy.
Cheap Term Life Insurance — What To Watch Out For
Neal at Wealth Pilgrim is also interested in term life insurance. H
Is it time to review your car insurance?
If there is one area of the insurance market which continues to attract the wrath of UK consumers it has to be the car insurance sector. This is an area of the insurance market where premiums constantly seem to go higher and higher with legally insured drivers also paying the price, and the cost, of those who drive on the UK roads without insurance. So is it time to review your car insurance?
Many people do not realise but there is the potential to reduce your car insurance premiums simply by either increasing the excess or taking out an insurance policy which best suits your driving habits and your driving requirements. For example, if you drive less than 5,000 miles a year then you may well be able to have this written into your policy with reduced premiums.
An insurance contract only insures property that the insurance company is advised of at the time that the insurance is purchased.
The Insured sought indemnity under a property insurance policy. The Insured and the Insurer disagreed on whether various provisions of the policy and a Statement of Values signed by the Insured, but not expressly incorporated into the policy, limited the recovery of the Insured. The Insured sought a declaration that it was owed the unpaid balance of its claim.
The Insured filled out the Statement of Values after it had already applied for insurance. Effectively, the Statement of Values assigned value to the property insured by the policy. The Insurer sought to limit its liability to the Insured based on this Statement of Values. Ultimately, the Court found that the Statement of Values was not part of the contract and therefore, the Insurer’s liability to the Insured would be determined by reference to the policy. In the result, the Insured was successful.
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