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Looking for more general
information? Consider our articles provided for both
consumers and insurance agents under our
insurance
headlines.
Sample
Headlines:
Understanding Your Homeowners Insurance
Many
of us obtain our homeowners insurance when we purchase our home.
After this initial purchase, we do not give this insurance
another thought. It is not until the roof is damaged
during a violent thunderstorm, a major appliance fails and
floods our basement, or the neighbor's kid slips and fractures
their wrist in our living room that we dust off the policy and
ask ourselves, "Am I covered for this?" Don't
wait until damage or an accident happens to discover what your
insurance policy covers. Instead, you should have a good
idea of what you are covered for and what is not included.
Every year you should assess if your coverage should increase or
if there is any optional coverage you may want to add. The
purpose of this article is to point out some general
characteristics of homeowners insurance and help in determining
if you have the right coverage. Obviously this cannot
substitute for a consultation with your insurance provider, but
it will give you a better idea of what questions to ask.
For the complete article about Homeowners
Insurance, click here.
Is online insurance right for you?
The Internet is a
powerful tool for the savvy online consumer. You can review
products, compare prices, research companies and purchase almost
anything. Following this trend is the increase availability of
insurance online. Insurance companies are providing coverage
information, quotes and even contracts online. This includes
automobile, homeowners, life, medical and even pet insurance.
Insurance has traditionally been a high customer service field with
direct human contact with your insurance agent. Because of the
change in customer contact, the migration towards providing insurance
online has not always been a smooth one. Instead companies are
finding some tools work and others only cause frustration or confusion.
Indeed, the availability of insurance online is still fluctuating and
developing...
Researching and obtaining insurance online is much easier today.
Many websites now offer comparison tools that will provide
quotes and coverage information (Click
here for more info). Keep
in mind if you choose a carrier from these searches, you will then be
contracting with that carrier for your insurance, not the original site.
This will either be done by forwarding you to the carrier's website or
the comparison site will forward your information to the insurance
company and they will then contact you. Many insurers still prefer
to have a representative call you and discuss your coverage over the
phone. Although not the same as meeting with a personal insurance agent,
it allows them to make certain you understand the coverage provided.
Also, because buying insurance online is new, many companies believe
that individualized customer care is still the best way to get your
business and a follow up call still provides some of this customer
service.
For
the complete article on Insurance Online, click here.
What
do you do after a flood?
Experience is sometimes an
unforgiving instructor. At Online Insurance, we learned
about devastation caused by flood waters firsthand when
Cedar Rapids, IA was hit by a massive flood June 13,
2008. Online Insurance is parented by
enlighten technologies, inc.™, which includes many
other businesses such as
LAWCHEK®,
LawyersListings, and
HouseList. Our headquarters in downtown Cedar Rapids
was inundated with water after the Cedar River crested
at 31.1 feet (19.1 feet over flood stage) to overtake
1,300 blocks of the city.* The first floor was
completely lost and when the water reached 4 feet on the
upper level, it was destroyed, as well. After a slow
road to recovery, and upon reflection, we've written an
article about what to do if a flood hits your home or
business. We hope our readers never have to use the
practical advice in this article.
For the complete article about what to do if your
business or home is flooded, click here.
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