Snow is on its way – is it a watch or a warning – or maybe an advisory. Much of the terminology used for winter weather can be confusing. How much of it are we going to get? When do you need to prepare? To answer these questions and more, it is vitally important that you understand winter weather terminology. Freezing rain – Rain that freezes ...

If you want complete protection while utilizing someone else's nearly brand new auto, you should purchase the DAMAGE waiver from the car rental co. If you want partial coverage, rely on your personal auto insurance, realizing it has gaps intentionally created by the car rental co so they can sell you their holistic product. haha! Summary first: and...

The average auto liability jury award is $268,000 according to the most recent available data from Jury Verdict Research 2003. Citation: http://www.insurancejournal.com/news/national/2006/05/03/67867.htm

The  average collision claim is $2869 Citation: http://www.iii.org/press_releases/winter-poses-another-challenge-for-drivers-streets-riddled-with-potholes-is-your-car-covered.html

The average comp claim is $1389 Citation: http://www.iii.org/press_releases/winter-poses-another-challenge-for-drivers-streets-riddled-with-potholes-is-your-car-covered.html

How much coverage you need is a function of what assets you have to protect. If you make $30,000 a year and rent your apartment, $50,000/$100,000 should suffice. But if you make more than $75,000 a year, own a house worth $150,000 and have $40,000 in mutual funds, you should consider at least $100,000/$300,000 of coverage. Use net worth calculator ...

NADA (zip code driven accuracy, list prices along with dealer sales follow up calls)Citation:  https://www.nadaguides.com/?nozip=1&nopop=1  Kelly Blue Book (national average accuracy based on list prices, with no dealer sales follow up calls) Citation: http://www.kbb.com/used-cars

The most common home claim is water damage. citation: http://ezinearticles.com/?The-Most-Common-Home-Insurance-Claims&id=4177382

The Average dog bite claim is $24,511 Citation: http://www.insurancejournal.com/news/national/2008/06/25/91347.htm

The most common home claim is water damage. citation: http://ezinearticles.com/?The-Most-Common-Home-Insurance-Claims&id=4177382

1/3 of all home insurance claims are caused by dog bites. An analysis of homeowners insurance data by the I.I.I. found that the average cost of dog bite claims increased by 11.5 percent in 2007 (the most recent figures available) to $24,511. Since 2003, the cost of these claims has risen nearly 28 percent. http://www.insurancejournal.com/news/natio...

Many home insurance policies restrict coverages, and amounts of insurance related to specialty items (such as jewelry, watches, furs, artwork, special collections, antiques, etc) as these items may lend themselves to fraud, or disagreements of value if they are unscheduled. Thus, we suggest that you submit an appraisal and color photo for each spec...