Alive Insurance

These questions are crucial to address, because you can't get insurance after a disaster strikes-and that can happen at anytime. Home insurance covers the hazards that most homeowners face-everything from fire to theft, a cracked foundation to accidents on your property. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts. Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

As a renter, you've got it pretty good: No property taxes, no lawn cutting, no snow removal. Just simple living! But what would you do if you returned from work, or a vacation, and all your possessions in your apartment had been destroyed by a fire? Or if there was a break-in and some of your most expensive stuff was stolen?

Being a landlord comes with well-known risks. From maintaining the property to managing tenants, landlords are exposed to potential lawsuits on a daily basis. And if you're ever found liable if someone is injured on your property, or if you are required to pay for damage done to someone else's property, it can end up costing you your property.

You never know when it might rain. So just like the name implies, this type of policy acts like an umbrella, providing protection against a wide range of potential financial dangers, and unforeseeable mishaps. However, what exactly is covered by your umbrella policy depends on how you decide to set it up.

You're required by law to carry auto insurance. So you may not think it makes a difference if you get it from a talking lizard, a comic spokesperson, or a locally owned insurance provider like us. If all insurance is alike, what difference does it make where you get your coverage-just shop around for the best price, right?