Basic, Broad, and Special form are three common coverage forms when insuring property. It all starts with Basic form, this covers these 11 “perils” or causes of loss: Fire or Lightning, Smoke, Windstorm or Hail, Explosion, Riot or Civil Commotion,…

Well, it’s the moment borrowers have been waiting for: The student loan forgiveness application is live. Not that long ago, President Biden announced his plan to cancel up to $20,000 of federal student loan debt. It wasn’t clear if he actually had the…

Accurately stating a building’s replacement cost or actual cash value with an adequate and current valuation has always been important in insurance. High inflation and supply chain constraints have further complicated matters making proper building valuation more important than ever.…

Often, we will get questions from clients trying to see if a deceased relative or friend has a life policy with us or anyone else. It can be hard to find out but the National Association of Insurance Commissioners has…

Here’s the list of insurance companies and phone number to call for last night hail storm. ALLSTATE – Call 1-800-ALLSTATE (1-800-255-7828) or Submit claims here. AMERICAN STRATEGIC INSURANCE – Call 1-866-274-5677 or Submit claim here. AMERICAN RISK INSURANCE – Call…

I wanted to address a question we’ve gotten a lot of calls on today. Tree damage due to our most recent ice storm. Below are three of our top carriers policies on how they handle tree damage. You will see…

We have been getting some coverage questions relating to not having power in your house, then if you can go live in a hotel and be reimbursed under your home insurance. Here is how most all homeowners policies cover loss…