Why do we purchase insurance? It's for the coverage. There are certain risks in life that we have to take, but we don't necessarily have to take unnecessarily financial risk related to damage to our assets or damage that we cause to others, that's why we purchase insurance. If a bunch of people pool a little money together, then we are able to pay for the catastrophic loss that the few of us will have, and that, at it's core, is what insurance does. No one likes to pay for insurance, but in the event of the big loss it can save us financially.  So what coverage do we need? No sense in paying for something we don't need, but we certainly should make sure we have the coverage we do. That really varies and depends on you. Insurance can be complicated to understand, but here we endeavor to make the difficult understandable. However, we are talking in general terms. Coverage varies by state, and by company. For more information about what your policy covers, please refer to your insurance policy and contract. If you have questions, refer to your insurance agent, that's why they are there. 

Homeowner's Insurance Coverage

Insurance coverage can be complicated, but it doesn't have to be. Sometimes the best thing to do is to look at things from 30,000 ft and take things one step at a time. Insurance for homes and dwellings is pretty straight forward and can be…

RV Insurance Coverage

While motorhomes, travel trailers, and fifth wheels all rolls on wheels, they are not cars. Seems pretty obvious, right? Unfortunately, there are a number insurance companies that don’t seem to understand that, and their RV insurance policies are little more than auto policies. An RV…