Author Archives: David Kampert

Is Life Insurance Worth It?

You may want to consider adding life insurance to your financial plan if you want to provide a safety net for your loved ones if you die. The payout from the life insurance policy can be used to cover final expenses, daily expenses, and pay for outstanding debts. Whether a life insurance policy is the […]

How Much Condo Insurance Should I Get?

If you live in a condo, you can count on the homeowners association or condo to insure the building, but it won’t help if your personal property is destroyed by fire or stolen. For these and other potential disasters, you will need to get a condo insurance policy, which is also known as HO-6 insurance. […]

Do I Need A Home Inspection Before I Get Home Insurance?

Homeowners insurance providers will sometimes require a home inspection before insuring your house to assess coverage risks. If your property is over 25 years old, odds are your insurance provider will request an inspection before they will underwrite a policy. On the other hand, homeowners insurance companies may only require an appraisal if the house […]

What Are The Different Parts Of A Renter’s Insurance Policy?

Renter’s insurance, also known as HO-4, is a type of insurance policy covering losses to a renter’s personal property and protects them from liability claims. Damages to the structure and frame of the building are the responsibility of your landlord. Renter’s insurance helps provide coverage for anything from an entire house to a studio apartment […]

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 […]