Author Archives: David Kampert

What is Not Covered By Renter’s Insurance?

Like your typical homeowner’s policy, renter’s insurance will take care of most of the costs for incidents and damage done on/to your living space. There are, however, a few things not covered by renter’s insurance. Before investing in a policy, you must be aware of both what is and is not covered. Generally, you can […]

Is Building Insurance The Same As Home Insurance?

Building and home insurance are similar, with a few exceptions. Generally, companies say that building insurance covers “structure and fixtures.” Home insurance, on the other hand, can cover either or both “structure and contents.” A lot goes into both of these types of insurance, and even more things to consider when purchasing a policy. What […]

Does Homeowner’s Insurance Pay For A Roof Replacement?

Yes, your homeowner’s insurance can pay for a roof replacement, assuming it meets a few qualifications. If your roof… Is less than 20 years old Damaged by a Natural or Accidental Incident Has Received Necessary Maintenance … your homeowner’s insurance will cover most, if not all, of its replacement costs. But there is more to […]

How Are The Premiums For Homeowners Insurance Calculated?

When it comes to home insurance, paying for it is fairly straightforward. As long as you pay your premium, you will be covered. A premium is a monthly payment you must make in order to keep your insurance policy in force. But how is this rate determined? Premiums are different for everyone, depending on a […]

Top 3 Reasons Why Boat Owners Should Carry Boat Insurance Year-Round

Lots of boat owners don’t want to pay for boat insurance during the off-winter season, and understandably so—why should boat owners carry boat insurance year-round if they’re not sailing year-round? Well, there are a lot of answers—here are the top 3 reasons why boat owners should carry boat insurance year-round. #1: Theft, Damages, Liability Even […]

Does Homeowners Insurance Cover My Boat?

Homeowners insurance doesn’t have all of the coverage you need to truly insure your boat, unless you’re talking about kayaks and small recreational crafts. Homeowners insurance cannot offer any boat coverage while it’s on the water. However, canceling your boat insurance during the winter can be tempting. Some people may think that homeowners insurance will […]

Why Is Pet Insurance Important?

when your beloved pet gets sick, an insurance policy can help

More and more people are realizing the benefits of pet insurance every year. By the end of 2019, almost 2.82 million pets were insured, an annual increase of 22.1% over the past 5 years. These pet owners understand why insurance is so important: when your beloved animal gets sick, you want it to be covered. […]

What Does a Commercial Property Insurance Policy Cover?

commercial property insurance protects against fire, theft, and natural disasters

Just like you buy regular insurance for your home, you should also buy insurance for your commercial property. Commercial property insurance protects against fire, theft, national disasters, and other unforeseen events. To learn more about what qualifies as a commercial property and what the insurance policies cover, read on below. How Commercial Property Insurance Works […]

What Is Not Covered By Pet Insurance?

unfortunately, pet insurance doesn't cover routine care like grooming

Just like regular health insurance, buying an insurance plan for your pet guarantees that your furry family member is covered in the event of health emergencies. However, pet insurance does have its differences from human health insurance. Read on to learn more about pet insurance and whether it is right for you and your pet.  […]

When Should I Buy Pet Insurance?

pet insurance protects your furry friends in a health emergency

Pet insurance is a solid option to protect your pets in the event of a health emergency. Unlike human health insurance, pet insurance is only for health emergencies and unforeseen circumstances. Its cost depends on many factors, like the coverage, type of pet, breed, age, etc. Understanding how pet insurance is priced can help you […]