Introduction to Your Homeowners Coverages Your homeowners insurance policy is a package of coverages. These coverages protect your home, your belongings, and your lifestyle if you cause an injury. What does each one mean, though? If you prefer to talk to an insurance expert, our team at Think Safe Insurance is here to help. For […]
Why Do I Have Other Structures Coverage on My Policy?
Many times people review their homeowners insurance policy and see Coverage B – Other Structures. Maybe you reviewed “Homeowners Coverages” so you know what it is. If not, this is for “Other Structures” which are detached from the main structure of the home – detached garages, sheds, utility buildings. It also includes fences, mailboxes, driveways, […]
What is Additions and Alterations Coverage? Do I Need It?
On your condo insurance policy, you may see Additions and Alterations. What is this? Do you need it? To understand that, let’s look at a standard, base condo policy first. Standard Condo Policy The standard condo policy is primarily based off the coverage C – Personal Property coverage. Coverage A – Dwelling will automatically be […]
What Is Condo Unit Owners Special Coverage A? Do I Need That?
Condo Unit Owners Special Coverage A – The Short Answer This is a great question, and it often isn’t very clear on your policy declarations page. A standard condo policy is what’s called a named perils policy. Condo Unit Owners Special Coverage A upgrades the coverage from named perils to open perils. OK, sure but […]
Do I Have Coverage for a Rented RV / Rented Motorhome?
That is a good question that you should definitely know before you get into an accident situation. The coverage can vary by carrier, but we are going to look at most standard policies here. You should always review your policy documents, and if you have any questions give us a call or contact your agent […]
Do I Need Uninsured Motorist Coverage?
Why do I have to pay for someone that doesn’t have insurance? Do I need this uninsured motorist coverage? These are some of the questions that we get regarding uninsured motorist coverage. We find a lot of people aren’t quite sure what it covers or why it’s important. What is Uninsured Motorist Coverage? Uninsured Motorist […]
Liability Coverage – What Does Each Number Mean?
Have you ever looked at the liability coverage on your insurance declarations page? 10/20/10, 100/300/50, etc. Do you know what these numbers mean? Your liability is probably the most important coverage on your policy. Still, we find that many people aren’t sure what these numbers mean. Liability Coverage Overview Liability coverage covers the other person […]
Do I Need Full Coverage? When Should I Remove Comprehensive and Collision Coverage?
I hear many people ask, “My car is getting older. Do I still need full coverage? When should I remove comprehensive and collision from my vehicle?” In years past, people used to recommend removing these coverages when a vehicle was 7 years or 10 years old. However, vehicles cost a lot more these days, and […]
What is the Difference Between Comprehensive and Collision Coverage? Do I Need Them Both?
A lot of people think they either have liability or full coverage. Did you know that there are actually different coverages that each cover different things? Maybe you already knew there were comprehensive coverage and collision coverage, but aren’t sure the difference. We are going to take a look at that here. How are Comprehensive […]