What does Replacement Cost Mean in Homeowners Insurance

When you shop for homeowners insurance, you’ll likely come across terms in the application that you may not understand. Terms like replacement cost, actual cash value, mitigation, loss of use, and depreciation are common for agents but may not be common for insurance shoppers.   Unless you pay cash for your home, you will be…
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what does homeowners insurance cover

What Does Homeowners Insurance Cover?

Do you know what homeowners insurance covers?   If you are planning to purchase a home or you currently own a home, you must carry homeowners’ insurance if you have a mortgage.   If you own your home outright, you’re not required to carry homeowners’ insurance but going without it means your home, which may…
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Auto-Owners auto insurance

Auto-Owners Insurance Company – Auto Insurance Review

Many vehicle owners feel like they are aware of the most popular auto insurance companies because of how many TV commercials they see each week.   Certainly, you would think that if an insurance company has the money to spend advertising 24/7 they must be one of the largest out there.   The problem with…
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The Hartford Auto Insurance Review

When you think about The Hartford is it because of the buck that is on their TV commercials or is it because they are recommended by AARP?   In reality, many people don’t differentiate between AARP and The Hartford because they appear to be linked in many ways.   To be clear, The Hartford is…
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Trustage auto insurance

TruStage Auto Insurance Product Review

So, your neighbor knows you are about to start shopping for auto insurance and she recommended TruStage because her mother-in-law works there. What do you do?   It may be embarrassing for you to say that you’ve never heard of them, you being the guy on the block who lives on Google 24/7 so you’ll…
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Erie auto insurance review

Erie Auto Insurance Review

If you’re the type of insurance shopper that wants to do business with a well-established company rather than an upstart, Erie Auto Insurance is for you.   Erie was founded way back in 1925 and is now competing with the big guys even though they only operate in 12 states and the District of Columbia…
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the zebra auto insurance

The Zebra Auto Insurance – Company Review

Have you reached a point with your current auto insurance company when rates are going up but service standards are going down? Did the folks at Zebra Auto Insurance tell you that the rates they offered were the lowest in the marketplace?   Did your heart skip a beat when you got your renewal bill…
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USAA Insurance

USAA Auto Insurance – Company Review

When the time comes to shop for auto insurance, do you experience a feeling of dread or are you anticipating protecting yourself from liability claims and protecting your shiny new car at the same time?   We have found over the years that there are two types of auto insurance shoppers; those that want the…
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Amica Auto Insurance

Amica Auto Insurance Review

Shopping for auto insurance is generally thought of as an easy process. That is until the person shopping begins to realize how many companies there are to choose from. There are a ton of auto insurance companies in the U.S. to shop with but some, like Amica Auto Insurance, stand out among the rest.  …
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