Do I Need Boat Insurance?

If you own a boat, this video will help you determine what coverages you need. One of the most important coverages for boat owners is liability coverage. Liability coverage is the coverage that’s going to protect you in case you injure somebody or damage someone’s property while you’re boating. Now, seeing as how boating accidents tend to be severe, we recommend that you carry a lot of liability coverages. Usually, minimum coverages we recommend are minimum of a half a million, but certainly we offer higher coverages than that. Good idea to carry a lot of liability coverage when you’re boating, because these accidents do tend to be severe.

Update Your Jewelry Insurance

We typically recommend it for any item that’s usually over a thousand dollars in value, and it gets added directly to your homeowner’s policy. It’s called scheduling your jewelry.

What to do After an Auto Accident

If there’s no injuries involved, then what you want to do is call the police if the accident took place on a public road, and it’s a substantial accident. If it’s a little bit more than a fender bender, you want to make sure the police are involved. If it’s a smaller accident or took place in a parking lot, those types of things, you can usually handle it on your own.

How to File An At Fault Auto Accident

If you had an accident, and you’re at fault in that accident, and you need to get your vehicle repaired, this video here will give you some information and some basic tips on how to do that.

How To File a Not at Fault Auto Accident

If you have an accident with somebody and you are not at fault, you’re going to need to file a claim. And this video will help you file a claim when you are not at fault in a collision with your vehicle.

Do I Need Snowmobile Insurance?

Now, snowmobile insurance, the biggest thing you want to protect yourself against is liability coverage. That’s if you injure somebody or if your actions cause somebody else to be injured or if you damage someone’s property under the course of riding your snowmobile. You’re going to want to carry liability insurance.

How Much Homeowner’s Insurance Do I Need?

If you want to insure for what is known as “replacement coverage,” you need to keep in mind several different things. The biggest thing is: “how much is it going to cost me to rebuild this home or this building if there’s a total loss?” Your insurance agent can help you determine that: what’s known as cost estimates for construction. What we take into account is square footage, features of the home, site locations, and there’s a couple other items that we take into account, but those are the largest ones. What you want to do is you want to work with your agent, give them as much information about the home as possible so they can come up with an idea of what it cost to rebuild this home if there’s a total loss, fire, tornado, whatever.

Replacement Cost VS Actual Cash Value Coverage

There are several different ways to insure items, whether it be buildings, your personal property, business property. Two of the most common ways are replacement coverage or actual cash value. I’m going to help you decide which one is right for you, and I’ll give you a little information on both.

What is Insurance Exactly?

You know, sometimes the most basic concepts are the most important concepts. I wanted to talk to you about why you should have insurance. A lot of people ask that question, “What should I insure?”, or “Why should I have insurance?”

Well, let’s start with the most basic premise of what insurance is. Insurance is a tool to transfer risk. And typically, the risk you want to transfer is a risk you couldn’t afford to absorb yourself. Let’s say if you injure somebody in an auto accident, or if your home burns down to the ground.

How Does My Credit Score Effect Insurance?

Why do they use credit scoring? Well credit scoring is just another underwriting tool. It is like your driving record or your claim history. Insurance companies have found there is a strong correlation between people with good credit scores and people who file less claims.