Author Archives: David Kampert

What Is The Difference Between Condo Insurance And Homeowner’s Insurance?

Condo Insurance Vs. Homeowner's Insurance

If you just bought one or are looking into a condo you may be wondering which insurance you need to protect your home. Here is a comparison: What is Homeowner’s Insurance? Homeowner’s insurance has a few different types based on the home you live in. If you own your house, you will have HO-1, HO-2, […]

Does Auto Insurance Cover Theft?

Does Auto Insurance Cover Theft?

Comprehensive auto insurance covers theft of your vehicle and damage caused by vandalism, break-ins, fire, or falling objects.  No car insurance will cover the theft of personal belongings inside the vehicle. If you have personal property coverage under your homeowner’s, renter’s, or condo insurance policy, any personal items stolen out of a vehicle will be […]

Does Homeowner’s Insurance Cover Theft?

Does Homeowner’s Insurance Cover Theft?

Yes, as long as theft is covered under your policy. Theft is a standard event covered under property insurance. Homeowners insurance is a type of property insurance, which aims to protect your assets from damage and liability. It covers replacement or repair costs for loss from theft or damage from covered events, as well as […]

Do I Need Workers’ Compensation For My Business?

Workers' Compensation for my Business

As part of a comprehensive business owner policy, you should have workers’ compensation for your business. Here’s why: Benefits for the Business In the event that an employee is injured at work, they may have the power to sue the company for negligence. If you want to avoid the legal fees and trouble of a […]

Who Needs Flood Insurance?

Flood Insurance

One thing consistently left out of basic property insurance is flood protection. If you want to protect your home from flooding, you need to buy additional flood insurance or add a rider to an existing property coverage policy, such as your homeowners (or renter’s or condo) insurance. Flood insurance is a type of catastrophe coverage […]

What Does Boat Insurance Cover?

Boat Insurance

Boat insurance covers any type of watercraft, from pontoons to yachts, and is a great way to protect your investment and protect yourself from liability. Coverage Boat insurance covers the boat and all items needed to safely operate it, including the hull, machinery, fittings, furnishings, and permanently attached equipment. You can purchase additional coverage for […]

What Does Renter’s Insurance Protect You From?

Renter's Insurance

Many landlords now require tenants to hold renter’s insurance. The good thing is renter’s insurance is inexpensive and easy to buy. Why is it important to have renter’s insurance as a tenant? Theft Coverage  The value of your possessions is likely higher than you think it is. The average renter has $20,000 worth of possessions. […]

What Insurance Do You Need For Your Car?

Car Insurance

Each state has its own requirements for how much insurance you need to hold as a car owner. It also depends on the year and make of your car, whether it’s new or used, where you live, your driving record, your financial situation, and more. Most Americans spend $120 per month on their car insurance. […]

What Does Workers’ Compensation Insurance Do For Workers?

Workers' Compensation Insurance

If you get hurt on the job, you might be facing medical bills while worrying over lost wages from not being able to work. Business owners have insurance to help cover your medical bills in a mutually beneficial settlement. Workers’ compensation is payment for the worker, should they become injured or disabled as a result […]

What Is A Business Owners Policy (BOP)?

Business Owner Policy (BOP)

In short, a Business Owner Policy (BOP) is a bundle that covers all the basic insurance needs to protect a business owner’s property, aid during business interruption, and cover liability. These are for small or mid-sized businesses. Building and Business Property Insurance Standard property protection covers defined risks, which is referred to as named-peril coverage. […]