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Insurance is primarily designed to protect individuals and businesses from significant financial losses due to unexpected events, such as accidents, natural disasters, or other unforeseen circumstances. By pooling risks among many policyholders, insurance companies can help mitigate the financial impact of these large losses, allowing people to recover more easily. This can include coverage for […]

A typical homeowners insurance policy generally does not cover the following: Flood Damage: Flooding typically requires separate flood insurance. Earthquake Damage: This often requires a separate policy or endorsement. Maintenance Issues: Damage from lack of maintenance, such as mold or pest infestations, isn’t covered. Sewer Backup: This often requires additional coverage. Wear and Tear: Normal […]

Yes, electric vehicles (EVs) can be more expensive to insure than traditional gasoline-powered cars, although this can vary based on several factors. Here are the main reasons why EVs might be more expensive to insure: 1. Higher Initial Purchase Price Cost of the vehicle: EVs, especially new models, tend to be more expensive than comparable […]

Maintaining your home is crucial not only for ensuring a safe and comfortable living environment but also for preserving your insurance coverage. Here are several reasons why regular home maintenance is important for insurance purposes: 1. Protecting Your Coverage Most homeowners’ insurance policies require the property to be well-maintained. If damage occurs due to neglect, […]

Your driving habits can significantly influence how insurance companies assess your risk level, which in turn affects your premium. Insurance companies use various factors to determine how much of a risk you present as a driver, and these factors help them set your rates. Here’s how your driving behavior might be interpreted: 1. Driving Record […]