Insurance Basics

Specific coverage details and explanations

• Why does auto insurance cost go up as a vehicle ages?
• Do I have to over-insure my home to satisfy my lender?
• Why do I need a personal umbrella policy?
• How Do I Choose an Insurance Agent?
• What Do the Basic Homeowners Insurance Policy Parts Cover?
• What is the difference between claims made and occurrence coverage?
• What is the difference between Guaranteed Replacement Cost vs Extended or Limited Replacement Cost Coverage for Homeowners Insurance?