Author: Karen Kirkland

Insurance commercials seem to be half of what’s on TV. Call here for an auto quote. Choose this company or you may not be covered. Get a quote in only 15 minutes. But do you really save? It’s it really the best thing to do, buy insurance from someone you can’t see and will never talk to again?

You pay for home insurance to avoid incurring large out-of-pocket expenses after a something damages your house and personal property. The last thing you need is an insurance company explaining “adequate limits of insurance” after the fact; especially if that explanation means more cost to you.

Oh how the times have changed. In 1950, eight in 10 households were occupied by married couples. According to the 2000 U.S. Census, that number declined to 51.7%; the balance being singles and couples living together who are not married. The former includes individuals who either live alone or with roommates; the latter encompasses both opposite and same-sex couples who consider themselves partners. It is the latter segment which now makes up approximately 10% of American households.

As any person who goes on the internet already knows, any information you find on there is 100% true and accurate, so I thought it would be fun to read about a few real life insurance claims I just happened upon while surfing the world wide web.

When it comes to showing our love, we sometimes go over the top with extravagant gifts and parties. Other times we express our love quietly. All these things we do for love. When Christmas or birthday comes around, there is extra pressure to find the perfect gift – one that’s meaningful, enduring and won’t soon be forgotten.

Most Americans view auto insurance as necessary to protect against the costs of a car accident.  Likewise, it’s common knowledge that homeowners insurance helps families rebuild their lives and homes.  An “umbrella” policy is not as well known, but anyone who owns a home or any assets should consider buying it.

A cool swim on a hot day is an American tradition. As temperatures rise, most folks want to get into the water—whether at the ocean, lake or pool.

The combination of high fuel prices and an economic slowdown may keep Americans at or near home more than usual this summer. But water safety is a concern wherever you—and especially your children—venture this summer.

Too many American believe that the coverage limits of their homeowners insurance policy are linked to the market value of their home, according to the Insurance Information Institute (I.I.I).  

In the I.I.I.’s 2011 Insurance Pulse Survey, conducted by the Opinion Research Corporation, nearly half (48%) of survey respondents came to that mistaken conclusion.

Your health is way too important to leave to chance. That’s why it’s critical that you have health insurance and that it is the right fit for you and your family. Unfortunately, millions of Americans do not know if their health insurance plan will cover their needs—or how to secure better coverage.

If you haven’t noticed, homeowner’s insurance rates continue to rise here in sunny Florida.

“But Bay County hasn’t had a damaging hurricane since 1995”, many people say when they get their insurance renewals. This is true but it also shows that homeowner’s rates are affected by more than hurricanes. Fraud, liability, sinkhole claims and reinsurance are a veritable storm of their own. They affect all insurance policy holders regardless of whether you’ve ever filed a claim.