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Please Contact Us Directly If Your Question Can Not Be Found
Here you will find answers to some of the more frequently asked questions that we receive. If you do not see your question listed, you may send us an email and we will put the most frequently asked emails up on this webpage. Read More
Recent Articles
Car Insurance: Learning To Speak "Insurance"
Now that auto insurance is mandatory in most states, it has become necessary for all of us to purchase a policy that will fit for us. The best method is to compare auto insurance. However, before you purchase a policy, you should have a good grasp of what types of auto insurance quotes are available and what they mean for you. There are so many online auto insurance quote terms to remember, and so many different types of coverage to sort through.
A simple coverage is RENTAL CAR REIMBURSEMENT, which covers a rental car should it become undriveable or while it is being repaired from an accident. It is usually an inexpensive and convenient add-on to your auto insurance online policy. The key to obtaining the right auto insurance coverage for you is to assess what you need and how much you can afford. Discuss these options with your broker, compare auto insurance available and see how much coverage will fit your budget while protecting you, your family, and your assets.
Latest News
Florida Citizens Property Insurance Rates Rising
Florida lawmakers are working on measures increasing the insurance rates levied by the state-backed Citizens Property Insurance to make the insurer more viable as well as encourage coverage through private insurance entities.
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Hurricane Prediction: Active Season Coming
The 2011 Atlantic Hurricane season should be very active with 16 named storms expected with at least one storm making landfall in the United States, according to the annual hurricane forecast by Colorado State University.. Read more
Missouri Support Joins Legal Fight Against Health Insurance Mandate
Missouri’s attorney general yesterday filed a legal brief supporting 26 other states in challenging the legality of the controversial federal health care overhaul signed into law more than a year ago.
. Read moreAFLAC Fires Comic Gilbert Gottfried
March 15, 2011 – Comic Gilbert Gottfried's humor has been known to rub some people the wrong way, but a recent remark about the tragedy in Japan has cost Gottfried the job as the voice of the AFLAC Insurance duck.
AFLAC officials fired Gottfried on Monday for several jokes poking fun of the Japanese and earthquakes and tsunami waves he broadcast from his Twitter account over the weekend. Gottfried was to voice of the AFLAC duck since the popular ads first appeared in 2000. His voice was not used in commercials airing in Japan, where AFLAC generates about 75 percent of the insurer's annual revenue. But AFLAC officials severed their relationship with the comic.
. Read moreDog Bites Cost Home Insurers $400 Million Last Year
Sept. 14, 2010 – Homeowners insurance companies shelled out some $412 million in claims arising from dog bites last year, according to the non-profit Insurance Information Institute. The $412 million in dog bite claims amounted to a third of all homeowners insurance claims payouts in 2009. Read more
Report: Individual Health Insurance Rates Rising Despite Federal Law
Sept. 14, 2010 – Despite federal efforts to make health insurance more affordable and expand coverage to more people, the cost of health insurance continues to rise by an average 20 percent annually, according to the nonprofit Kaiser Family Foundation.
Foundation officials recently released results of their national health insurance survey of individuals who do not have group health insurance, and the results suggest most won't be able to continue paying for their own health insurance without cutting costs elsewhere. A large majority – 77 percent – of those surveyed said their health insurance premiums were scheduled to increase by at least 20 percent this year. About 14 million Americans obtain their health insurance coverage through non-group policies, according to the Kaiser Family Foundation.
Read moreSave Money on Auto Insurance with Insurance-Official
Sept. 14, 2010 – In general, the larger your family and the more vehicles you own – and especially if you own your home, it is absolutely critical to shop around to find the absolutely best auto insurance deal your money can buy. To help you save money on your annual auto insurance bill and free up your hard-earned dollars for other necessities, the staff of Insurance-Official has compiled several money-saving tips to help you save on your auto insurance bill.
Read moreReport: Vehicle Thefts Decline for 6th Straight Year
Sept. 15, 2010 – Despite generally poor economic conditions, vehicle theft rates across the United States generally declined for the sixth consecutive year in 2009, but drivers living in the West need to be extra cautious.
A May 17 report issued by the National Insurance Crime Bureau indicates 304 of 366 metropolitan areas – including suburbs and neighboring communities – reported fewer auto thefts last year than in 2008. About 83 percent of metropolitan areas in 2009 experienced auto theft declines of as much as 18 percent when compared to 2008.
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Homeowners Insurance Terms
Homeowners Form – Provides property insurance for dwellings in average to good condition and in which the insured party lives. Also can have up to two renters per family to qualify for homeowners form coverage.
Homeowners Coverage A – Insurance coverage generally applies to the dwelling and attached structures.
Homeowners Coverage B – Insures other structures on the insured property that are not directly attached to the dwelling other than by a fence, utility line or similar connection. Does not apply to land or property used for commercial purposes.
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