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Do Home, Condo or Townhome owners need home insurance when they pay HOA fees?
Most people believe that because they pay HOA monthly dues, they don't need to buy condo, townhouse or HO-6 insurance. This is usually NOT the case as the HOA Master Policy only insures the exterior of your unit and the common areas. In rare cases, the HOA policy...
Renters Insurance…The Best Bang For Your Buck!
I truly believe that renters insurance is the best bang for your buck. On average renters insurance usually runs between $20-$25/mo and covers two main things: 1. your personal property 2. the unintentional actions of you, your family members and your pets. COVERAGE...
Don’t Judge a Pit Bull By Its Cover
Walk down any street in any neighborhood with a pit bull and you will most likely experience a feeling similar to Moses when he parted the Red Sea. Almost everyone will cross the street or get out of the way. However, walk down the same street with a 100 pound golden...
Does your Homeowner or Renters policy cover PDA’s, smartphones or iPhones?
Most phone carriers (Sprint, Verizon, T Mobile, etc.) offer insurance on their phones. Depending on the carrier, there are a few different types of insurance coverage (standard and total equipment). The monthly cost is between $4-$8. If your phone is lost, stolen or...