Entries by Tosten

Rental Home Insurance Deductibles

One of the most common insurance issues is what the deductible should be. While only you can decide, here are a couple of thoughts that might help you. Deductibles When it comes to deductibles there are a few of questions you should ask yourself. How much cash do I usually have on hand? How much […]

Ways to Save With Your Deductible

I recently went to go see “The Greatest Showman,” as one who is often found singing or whistling show tunes, I loved it. But the sound track is probably better than the Movie. A great mix of music with strong beats and base lines and violins coupled with distorted guitar, and great melodies. Followed by […]

Umbrella Liability Insurance for Landlords

Do you have enough liability insurance? Probably not. But how much is enough? Unfortunately that question varies. First, what does liability insurance do? Liability insurance does two things: (1.) it pays for losses for which you become legally liable for as a result of a lawsuit and (2.) it pays to defend you in the […]

Budget Friendly Insurance

Budget friendly insurance, that’s all we really want! No one wants to pay more than they have to for insurance, but the cheapest insurance isn’t always the best either. It’s a balance of getting the proper coverage at a price that fits into your family’s budget.  Here are three ways to ensure you have found […]

The Different Types of Liability Covered Offered with RV Insurance

There are several different types of liability insurance coverage found on recreational vehicle insurance policies. Not only does the type of RV have an effect, but also how the recreational vehicle is used can make a difference in which liability coverage is offered. For Motor home insurance policies, Bodily Injury Liability and Property Damage Liability […]

Why Travel Trailers Aren’t Required to Have Liability Insurance

Travel Trailers, Fifth Wheelers and Motorhomes are all classified as Recreational Vehicles, but there are differences in how the units are used, which also affects the coverage offered by RV insurance carriers. When considering RV insurance, there are some key differences between a motorhome and a travel trailer or fifth wheel trailer. The main consideration […]

The Liability of Not Responding to Tenants Quickly

STORIES FROM AN INSURANCE LAWYER PART 3 Have you ever had a tenant ask you to fix something one, twice? What about three times. Consider this story. Landlord, purchases rental property with older windows. Single pane, not super-efficient, but who want to replace the windows in your rental right away, right? Anyway, tenant complains to […]

Does Your Landlord Policy Cover Personal Injury

Landlord gets sued for a dog bite. For dog bite lessons please see “Why you should require your tenants to purchase renters insurance.” Landlord gets ticked at the lawsuit and the prospect of his insurance rates go up, squeezing his cash flow. Consequently, landlords decides to do a little investigative work. Simply because he believes […]

Insurance Bundling for Investors

If you turn the TV on for 2 seconds you will hear all about you can bundle and save on insurance, and that is a great way to save. For investors this can also be true. Imagine having multiple investment properties on one insurance policy, with one renewal date, one payment. We have several options that […]

Auto Insurance Medical Payments

AUTO INSURANCE MEDICAL PAYMENTS Medical payments is a simple coverage that is often over looked. Medical payments pays for the reasonable medical expense and funeral services of any “insured” while they are occupying a vehicle, as a pedestrian OR any other person while occupying your insured vehicle. It is often overlooked as many people say they […]