Author Archives: David Kampert

Who Needs Umbrella Insurance?

umbrella coverage

No one is perfect, which is why you probably already own a couple of insurance coverages to protect yourself, your loved ones, and your assets. But beyond the standard life insurance, homeowners/renter’s insurance, or auto insurance policy, you may have disregarded a vital and affordable type of insurance policy – the “Umbrella Insurance.”    This […]

What Is The Purpose Of Renter’s Insurance?

renter's insurance

Many renters believe that their personal properties are covered by their landlord’s insurance policy. Unfortunately, that’s usually NOT the case, as your landlord’s insurance policy covers the property itself. That’s where renter’s insurance comes in. This insurance policy protects your personal belongings in a rented home, apartment, or condo from unexpected circumstances like fire, theft, […]

Does Pet Insurance Have a Waiting Period?

waiting period for pet insurance

Every pet health insurance plan has a waiting period before your pet can be covered. The reason for this is because pet insurance companies want to prevent fraud, so they require all newly enrolling animals or new ones being added to an existing policy.   Why Is There a Waiting Period? Pet insurance is intended to […]

Will My Car Insurance Cover Flood Damage?

car insurance

Floods are one of the most common natural disasters in the United States. Whether you closely follow the news or not, floods have become more frequent in many states. Floodwaters wreak havoc on cars, and as water seeps into the vehicle, mildew and mold can develop. The water can also corrode wires and cause electrical […]

Does Condo Insurance Cover Theft?

Condo insurance

Condo insurance covers certain parts of a condominium unit. This type of insurance works together with a policy purchased by the condo’s management, usually called HOA insurance or a master policy. If you own a condo or townhouse, then you may need to consider purchasing a condo policy. Mortgage lenders may also require you to […]

How Can I Get a Discount on My Car Insurance?

save on your car insurance policy

There are many ways to save on your car insurance policy. One of these is by taking advantage of available discounts.    In this article, we’ll explain how you can get discounts on your auto insurance policy.   How to Get a Discount? It is important to understand the different types of discounts offered by […]

Who Can I Put on My Auto Insurance Policy?

adding someone to an insurance policy

Generally, the people listed on an auto insurance policy must be the owner or people related to the owner. You may also be allowed to add another party to your policy if you live at the same address. For example, if you have a roommate who doesn’t own a car, you can add them to […]

Does Homeowners Insurance Provide Coverage for Boats?

homeowner's insurance, boat coverage

A homeowner’s insurance policy provides protection from hazards such as fires, storms, hail, vandalism, etc. Fortunately, if you are a boat owner and have concerns about your coverage, you can get limited insurance coverage through your homeowner’s policy for your boat.    But what type of coverage is offered exactly?   Home Insurance and Boat […]

Why Would I Need Commercial Property Insurance?

As a small business owner, you have put so much into your business, which is why it is vital to protect the investments you have already made. Though, no matter how careful you are, there is always the chance that your business can be damaged, either by vandalism, natural disaster, or sheer bad luck. If […]

Does Homeowner’s Insurance Cover Plumbing Issues?

Homeowners’ insurance protects your house and personal property against loss or damage, such as severe weather, fire, and certain types of water damage. Damaged plumbing is covered by the homeowner’s insurance policy if the damage and break were unexpected. That means if you come home to a pipe that recently burst, your insurance company may […]