Posts by Expert Investment Solutions

Most people think about auto insurance in terms of their car, their deductible, or their rental car coverage. And honestly, that’s not their fault, it’s how most insurance agents are trained to sell it. They ask the usual questions: These things are important. But they’re not what will ruin your financial future if you ever…

Auto insurance isn’t what it used to be. Over the last few years, insurance companies have made major changes to how they evaluate risk, rate drivers, and, most importantly, pay claims. Many of these changes aren’t widely discussed, but they could have serious financial consequences if you’re caught off guard. The most significant shifts involve…

Homeowners across the country are facing big changes in how insurance companies cover roof and siding claims—and most people have no idea until they file a claim and get an unexpected payout (or lack thereof). Over the past several years, insurance companies have been squeezed by rising costs in three key areas: These factors have…

When most homeowners think about their insurance policy, they focus on Coverage A (dwelling), Coverage B (other structures), and Coverage C (personal property). But just as important—and often overlooked—is understanding how deductibles work at claim time and what perils are covered. Unfortunately, many homeowners don’t fully understand these things and this can lead to unpleasant…

When it comes to scheduled personal property—items like jewelry, watches, furs, and other valuables—many homeowners assume that if they have an appraisal, they’ll receive that exact amount in a claim settlement. That’s not always the case. While some insurance companies offer agreed value policies—where they pay out a set amount for a covered loss, most…

When reviewing your home insurance policy, one of the best ways to understand what is covered is to take a close look at what isn’t. The Exclusions and Limitations section of your policy contract can reveal critical details about coverage gaps that may not be obvious at first glance. If you’re unaware of these limitations,…

When people think about home insurance, they often focus on the structure—the walls, the roof, and the foundation. But what about everything inside your home? That’s where Coverage C: Personal Property Coverage comes in. This part of your policy helps protect your belongings—if they’re damaged or lost due to a covered peril like fire, theft,…

Home insurance isn’t just about having a policy, it’s about protecting your largest investment, you biggest liability and where your family sleeps at night. Unfortunately, many homeowners don’t always have a clear picture of their coverage until they need to file a claim. This happens because insurance policies can be complex, and while keeping costs…

5-minute read

5-minute read