Got an insurance problem? It's what I do...solve them. Among the things that I liked best about practicing law was solving insurance problems for consumers and small businesses. I figured out what was covered and what wasn’t. For the things that were covered, I helped clients navigate the maze of getting claims resolved. I also [...]
Homeowner's accident liability is a very real thing. Every homeowner should be aware in the event of an accident that causes liability coverage to kick in. We recently talked about the liability coverage that comes with most homeowner’s and renter’s insurance policies. To recap, liability coverage protects you from financial responsibility for the harm or [...]
The first thing that might come to mind when thinking about homeowner’s insurance is protection for your physical, tangible property. It protects your house, attached structures, and your belongings. And it does do all of that. Depending on the kind of homeowner's insurance policy purchased, though, it does a lot more. In fact, even if [...]
Leaving a home alone? No, I'm not talking about the 1990 movie, 'Home Alone.' This is about leaving your home alone, like empty and uninhabited. It might be voluntarily or involuntarily. Either way, there could be insurance implications. Let’s define some words to set the stage. You might think that “unoccupied” means the same as [...]
Friendly fires, hostile fires and insurance? Yes, it's a strange title, I know. But in the property insurance world, fires are moody: Friendly and Hostile. When thinking about insurance, it is hard to imagine anything good, much less friendly, about a fire. At its worst, fire can cause the destruction of a home and all [...]
Disability waiver of premium is language included in life insurance and disability insurance. We’ve talked in other articles about life insurance and disability insurance. They are both intended, in a broad sense, to replace income by paying money when a stated event happens to a person (not to property). The benefits are paid when the [...]
Today, I want to talk about my dogs, the Alpha through Omega and back. In particular, Rose, Stella and Victor. Everyone has heard the terms, “Alpha” and “Omega.” They are often used together, and the phrase essentially means beginning and end. Likewise, pet parents, especially those who have multiple pets, are probably familiar with the [...]
Homeowner's insurance policies are in-depth documents and invariably there are exclusions and exemptions. The short answer is no. No insurance policy covers everything, regardless of its type. Here’s why. An insurance policy is a written agreement between you and an insurance company. In return for your payment of money (the insurance premium), the insurance company [...]
Rental cars with a collision damage waiver pop up throughout the year, either on holidays, during an auto collision, when in a new destination, and other reasons. Let’s assume you travel and rent a car. You go to the car rental counter, tell the clerk what kind of car you want, the duration of the [...]
Husband giving a diamond bracelet to his wife for Valentines Day Valentine's Day and insurance? I know, I know. The subject may seem a little strange. Stay with me, it will make sense, and there’s a meaningful connection. History of Valentine's Day Valentine’s Day has a long tradition. There’s a darker side to [...]