Your Home Office or Home Business, & Homeowners Insurance

If you are self-employed, or work from home, or have any type of home business — either in your house, or elsewhere on your property — you can find yourself with a large, uninsured claim if you do not get the extra homeowners insurance coverage you need for your situation. Continue reading

Earthquake Insurance, & Earth Movement / Volcanic Eruption Homeowners Insurance Exclusions

Earthquake, volcanic eruption, earth movement, mudslide, sink holes, erosion, subsistence, & landslide are excluded from coverage in your homeowners insurance policy, so there is no insurance for your home and contents if any of these events occur and damage your property. Continue reading

iMingle: A New Car Insurance Company Enters the Market

A new car insurance company that sells direct to the public, called iMingle, is now available in 16 states (Arizona, Colorado, Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, Nevada, New Jersey, Ohio, Oregon, Pennsylvania, South Carolina, Texas, Virginia and Wisconsin. ). iMingle uses social networking to offer the iMingle Network Discount: a 10% discount if you refer a friend through e-mail/instant messaging/Facebook/Twitter/LinkedIn, and you both purchase car insurance through iMingle, and take the iMingle safety pledge. Continue reading

Coverage F: Medical Payments to Others

Medical Payments to Others coverage, as a part of homeowners  insurance, condo insurance, mobile home insurance, & renters insurance, pays for the necessary medical expenses of people, other than you and your household members, if they are injured on your property, regardless of whether you are legally responsible for the injury. Continue reading

Coverage E: Personal Liability

The Personal Liability coverage of your homeowners insurance policy protects you, and the family members in your household, if you are legally responsible for the bodily injury or property damage to other people occurring on your property, or through your personal activities. Continue reading

Coverage D: Loss of Use / Additional Living Expense

Loss of Use, or sometimes called  Additional Living Expense, is an important coverage included in your homeowners insurance policy, but it is also part of mobile home insurance, condo insurance, & renters insurance. Continue reading

Serving Alcohol to House Guests & Homeowners Insurance Liability Coverage

Can hosts be responsible for the acts of their guests? If you have a party, and one of your guests drinks and drives, and causes a car accident, can you be sued? Yes, you can be legally responsible for injuries or property damage to others, caused by your drunken guests. Continue reading

California Auto Insurance Company Reviews: Best & Worst Complaint Records

Here are the 12 auto insurance companies with the best California complaint records in 2010, and the 12 auto insurance companies with the worst California complaint records in 2010. Continue reading

Drinking, Driving, Punitive Damages, & Auto Insurance

Everyone should know by now drinking and driving is a huge mistake. Yet it is a mistake some people continue to make, potentially ruining lives. We all know the possible consequences of drunk driving. But this blog post is not just for people running the risk of a DUI, DUII, DWI, or whatever the acronym may be in your state. Continue reading

California Home Insurance Company Reviews: Worst Complaint Ratings

Here are homeowners insurance companies, among the biggest 50 home insurance companies in California, which have a higher than average annual number of homeowners insurance complaints in 2008, 2009, & 2010, based on their market share, than the other top 50 homeowners insurance companies. Continue reading

Ordinance and Law Insurance Coverage

When you have damage to your house from a cause covered by your homeowners insurance, such as fire, most insurance policies pay the replacement cost for the damaged portion of the home, with the same kind & quality of materials before the fire occurred. Continue reading

California Home Insurance Reviews: Complaint Ratings for 25 Top Companies in California

Does your homeowners insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Is your company good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 25 largest (by number of policies/homes insured in California) homeowners insurance companies, and rate them based on their 2010 California complaint record.( Accurate 2011 complaint data not available yet). Find out the best & worst companies. Continue reading

Negotiating a Total Loss with Your Auto Insurance Company

In the 2011 JD Power Auto Claims Satisfaction Study, JD Power reported car insurance customer’s satisfaction with their auto insurance claim was 42 points lower when their car was a total loss, compared to car insurance customers having their cars repaired. JD Power states 50% of customers with totaled car insurance claims surveyed expressed dissatisfaction with the settlement amount, claiming the money was not enough to buy a comparable car as a replacement. Continue reading

California Auto Insurance Reviews: 15 Companies with Bad Complaint Ratings

Does your auto insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Do you know if your company is very good or very bad? Most consumers fail to check the complaint records of their insurance companies. This blog post is a companion piece to my previous blog post listing the complaint ratings for the 25 largest auto insurance companies in California.

Here I provide the complaint ratings for 15 major auto insurance companies with higher than average complaints, not on my first list. If you are not insured with one of the 25 largest auto insurance companies in California, you can see if your auto insurance company makes this list (Hopefully not!). It pays to shop your auto insurance, but you want to make sure your auto insurance company provides good service, too. Continue reading

Nationwide Insurance JD Power 2011 Ratings Review

Here is my analysis and closer look at the results of the 2011 JD Power studies ranking Nationwide Insurance, to help you judge if Nationwide Insurance is best for you. Continue reading

California Auto Insurance Reviews: Complaint Ratings for 25 Big Companies

Does your auto insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Is your company good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 25 largest (by number of policies/cars insured in California) auto insurance companies, and rate them based on their complaint record. See the best & worst companies. Continue reading

Buying Insurance Direct from the Company

Progressive, Geico, Esurance, 21st Century, The General, Amica, USAA, Unitrin Direct, GMAC Online, all sell insurance directly to the public without the personal service of an agent. Are these insurance companies cheaper because they don’t pay commissions? Is the price low because they cut back on service, and low ball you or refuse to pay claims? Continue reading

Do I Need an Insurance Agent?

Buying auto insurance or homeowners insurance direct from the insurance company is easier than ever. Modern technology enables you to contact your insurance company when it is convenient for you. In the 21st century, is there any need for a local agent, working 9 am to 5 pm weekdays, in an office close to you? What’s the benefit to you? What do insurance agents do for you? Continue reading

Evaluating your auto or home insurance company’s claims service

Insurance companies know nothing wins customer loyalty, and keeps customers from shopping for lower insurance rates, better than the fast and fair settlement of a claim. Continue reading

Firearms, Homeowners Insurance, & Self Defense

If you are sued for the injury you cause when you use your gun to defend yourself, your family, or your property, are you covered by your homeowners insurance? The answer to this question may depend on which insurance company you chose to insure your home. Continue reading