Is There A Policy That Insures Peace Of Mind?
Posted: November 3, 2017
Tragedy can strike anybody at any time. Many years ago my grandparents lost everything they owned in the great Oakland, CA fire of 1991. At the ripe old ages of 82 and 84, everything they ever owned was suddenly gone – and they had no way to prove what they owned. They were also drastically underinsured and spent over a year with lawyers haggling over...
Distracted Driving And Teens – And All The Rest Of Us
Posted: October 3, 2017
A teen’s two favorite things: the car keys and their cell phone. Unfortunately, that is a dangerous and sometimes deadly combination. And it’s not just an issue for teens. According to the National Safety Council, “Although texting is clearly a serious distraction, NSC data show drivers talking on cell phones are involved in more crashes.” Hmm. That said drivers not just teens. And it said...
Think You Know Auto Insurance? Take Our Pop Quiz
Posted: August 30, 2017
I’ll pay higher car insurance for a red car. Liability insurance is required in every state. A hybrid or electric car will cost more to insure than a comparable conventional vehicle. If I don’t have enough money to pay car insurance premiums, there won’t be any problem if I let my coverage lapse – as long as...
Tennessee Home Insurance: What’s Not Covered
Posted: August 25, 2017
There’s an old saying in the insurance business: “Your policy is only as good as the exclusions”. In other words, if it’s not specifically excluded, it’s covered. Another rule of thumb is that insurance is not a maintenance program, but only covers things that are “sudden and accidental.” An old rickety fence that blows over in a storm will not likely be covered. Here’s a...
Even Renters Need To Protect Their Homes
Posted: August 23, 2017
Even Renters Need to Protect Their Homes It may not be a house, but your apartment is still a home filled with memories and all that cool stuff you’ve spent a lifetime collecting. The best way to be financially protected is with Tennessee renter’s insurance. Your landlord’s insurance should cover any structural damage that might occur, but it won’t cover your personal things. Most importantly,...