When someone states that they have full coverage, what does that mean? The short answer is that person has Bodily Injury, Property Damage, Comprehensive and Collision coverage. The term Full Coverage is misleading. You can by definition have full coverage and not have Medical Payments, Uninsured Motorist, Rental Car or Towing coverage. This coverage is…
Your sewer service line is the pipe that collects the waste from your kitchen and bathrooms. Most homeowners policies cover this pipe as long as the damage is within the perimeter of your house. Once the pipe leaves the perimeter of your house and heads to the street coverage stops. Mercury Insurance Company now offers…
More and more insurance companies are inspecting their insured properties to be sure that they are maintained. Some things that they are looking for are tree branches overhanging the roof and bushes and vines growing against the house. Branches overhanging the roof drop leaves that can pile up and increase the deterioration of the roof.…
Condo Additions and Alterations, also known as Building Improvements are the fixtures from the inside walls in that make the unit livable. They include but are not limited to the Cupboards, Counters, Sinks, Toilets, Flooring and Light Fixtures. Sometimes depending upon the homeowners association’s master insurance policy they may be the upgrades, granite instead of…
Your Auto Insurance ID card should be kept in your car with your registration, not in your wallet or purse. When you buy auto insurance you are insuring your car first and yourself second. If you are stopped by a police officer, he is going to as for proof that the car you are driving…
Most people think that a leaky roof is a water damage loss. That is not the case. If your roof leaks that is a home maintenance issue and is not covered. If wind blows tiles or shingles off of your roof and water enters your house the collateral damage caused by the water entering your…