• ITV - High Value Home Insurance

    INSURANCE TO VALUE – ITV – PROPERTY INSURANCE

      Is Your Most Important Asset Properly Protected?  – Homeowners Insurance As your single most valuable asset, it is of great importance to properly insure your home by selecting sufficient coverage to rebuild your home following a total loss.  The insurance industry refers to the value as ITV (Insurance To Value).   What is ITV? […]

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    11/28/2014
  • Deceased Homeowners Insurance

    Does Homeowners Insurance Remain In Force When The Insured Dies?

    Homeowners Insurance is property specific and is written as the Owner Occupied Primary Residence of the Titled Owner.  The Homeowners Insurance Policy is not transferrable and would need to be cancelled in the event of a change of ownership. Homeowners Policies include an Occupancy Clause which outlines the conditions and requirements regarding reporting occupancy changes; […]

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    11/19/2014
  • Rental Agreement - Renters Insurance Online

    Why do Landlords Require Renters Insurance with Additional Interest Clause?

    First of all, let us differentiate between Landlord requirements and State Tenancy Contract requirements.    There are some States where the Courts have been inundated with numerous and in many cases, senseless claims; this has prompted some States to require the Standard Tenancy Contracts to include the requirement for Tenants to carry Renters Insurance; thereby allowing insurance […]

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    11/18/2014
  • Nevada Home Insurance Online

    Nevada Homeowners Insurance – Nevada Hazard Insurance

    State of Nevada – Insurance The State Motto is ‘All for Our Country’, meaning that the State would give all its allegience to the United States of America. Nevada is known as ‘The Silver State’ originating in the mid 1800’s during the silver rush days. With a population of  almost 3 million people, it houses […]

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    11/08/2014
  • Oregon Homeowners Insurance

    Oregon Homeowners Insurance – Oregon Hazard Insurance

    State of Oregon – Insurance The State Motto is ‘Alis Volat Propriis’, a Latin term meaning “She Flies With Her Own Wings”.   Oregon is known as ‘The Beaver State’ originating in the early 19th century when Oregon’s streams were a great source of beaver pelts used for the fashionable fur hats. With a population of  […]

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    11/02/2014
  • Washington State - Homeowners Insurance

    Washington Homeowners Insurance – Hazard Insurance

      State of Washington – Insurance The State Motto is ‘Al-Ki’, a Chinook Indian word meaning “bye and bye” or “hope for the future.”  Washington is known as ‘The Evergreen State’ for its abundant evergreen forests. With a population of  almost 7 million people, it houses the nation’s 18th largest State by surface area and […]

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    10/30/2014
  • Release of New Global Health Insurance Plans for Expats

      Cigna launches new international health insurance plans for individuals Cigna introduces new individual private medical insurance product suite which includes Silver, Gold and Platinum options Gives customers and partners the ability to create unique plans which fit around their unique healthcare needs and budgets, while still benefitting from Cigna’s industry-leading service Replaces existing Cigna […]

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    10/29/2014
  • Swimming Pool Insurance

    Does Homeowners Insurance Cost More When You Have A Swimming Pool?

    A swimming pool is an attractive luxury and may in many ways enhance the sales value of your home, but your insurance company factors it as a possible risk. Homes are insured based on reconstruction value and relative risk to the insuring carrier. A swimming pool can pose a threat to the carrier since there […]

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    10/27/2014
  • Laptop Fire Damage

    Does Renters Insurance Cover Your Laptop? – Renters Insurance Coverage

    What’s the importance of Renters Insurance? If you’re renting a house, condo, or an apartment, the last thing you’re thinking about is renters insurance. Since you don’t own the building, the landlord is covered, and you don’t value your personal belongings to really add up, what’s the point? What would you do if: The building […]

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    10/26/2014
  • California Homeowners Insurance – California Hazard Insurance

    State of California – Insurance The State Motto is ‘Eureka’; this is a Greek words which means “I have found it” referring to the discovery of gold in California.  California is known as ‘The Golden State’; it is the third largest state by area. California’s diverse geography ranges from the Pacific Coast, to the Redwood-Douglas […]

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    10/25/2014