June is National Homeownership Month to celebrate the benefits of owning a home and spread awareness for homeowners. Owning a home is often thought of as the American dream and is both rewarding and challenging. Understanding the potential liabilities homeowners face is an important part of being a good homeowner. Homeowner Insurance Homeowner insurance includes the structure, … [Read more...]
Steps Following A Crash
Alaska law requires vehicle owners to have auto insurance policies. Unfortunately, many drivers do not have enough coverage or worse, fail to have any insurance at all. A study by the Insurance Research Council found 13 percent of U.S. drivers in 2015 had no car insurance – in Alaska, the rate was 15.4 percent. An at-fault driver's insurer typically pays for damages in … [Read more...]
Understanding Underinsured and Uninsured Motorist Coverage
Uninsured and underinsured motorist coverage protects you if you are in an accident with someone who does not have enough insurance to cover damages. The coverage is something you purchase and allows peace of mind if you are in any accidents. Nationally, around 13% of drivers do not have insurance. That equates to around one in eight drivers, which is a relatively high risk. If you … [Read more...]
Car Insurance Covers Permissive Drivers
If you are in a car crash and the person driving the other vehicle is not insured, you may not be out of luck. Not only can you sue that person directly or file a claim with your own insurance, but the vehicle, if owned by another person, may still have insurance coverage. Car insurance covers the vehicle on the policy and is not specific to the driver. For example, if you lend your … [Read more...]
Reviewing Auto Insurance Needs
A new year is upon us, that means it is time to review your auto insurance. It is important to have enough insurance in case something happens. Minimum Auto Insurance Requirements In Alaska The state of Alaska requires drivers carry liability insurance. Alaska law states that drivers carry at least $50,000 of bodily injury coverage per person and $100,000 of bodily injury coverage … [Read more...]
Umbrella Insurance Explained
Umbrella insurance is not common in discussions but is beneficial by adding a layer of protection to meet insurance needs. Umbrella coverage is a secondary layer of insurance and acts like an "umbrella" to protect you and injured parties. The coverage is in addition to other insurance like auto, renter, and homeowner insurances. Umbrella insurance adds liability protection. If you … [Read more...]
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