4 Reasons You Need Car Insurance

If you own a car, then you need car insurance. There are many reasons why you may need auto insurance, which is why you should make sure that you don't just have car insurance, but that you have the right coverage as well.   Reason #1: Mandatory by State Law  In most states, you are required to carry a minimum of car insurance. That minimum amount of insurance is generally going to include liability insurance. [Read More]

What Does Your Yacht Insurance Cover?

Are you thinking of rewarding yourself with a beautiful yacht? One thing you should account for is insurance for this marine vessel. Typically, insurers describe a yacht as a marine vessel under 27 feet intended for leisure activities. Like any other vehicle, there are risks your yacht can harm other people and property. This is more so if you moor it in a rental Marina. Yacht insurance protects you against liability for third-party personal injuries and property damage. [Read More]

Can You Get Rid Of SR22 Car Insurance?

SR22 car insurance is often reserved for serious offenses. Most drivers who are required to have SR22 insurance view it as an inconvenience. It denotes that you are a high-risk driver. If you have one of these, you'll want it off of your record as soon as possible.  How Long Does SR22 Car Insurance Stay on Your Record? Typically, SR22 insurance will last three years in most states. In some states, the filing period can extend to five years. [Read More]

Replacement Cost vs. Actual Cash Value Insurance—What to Know

As you shop for homeowners and personal property insurance coverage, one decision that you'll need to make is whether to buy actual cash value coverage or replacement cost coverage. What do these two terms mean? And when should you opt for either? Here's what you need to know. Actual Cash Value and Its Benefits Insurance that stipulates actual cash value means the policy will pay you what a covered item is worth today. [Read More]