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Tag: Am I Covered

WILL MY HOMEOWNERS POLICY COVER MY HOME FOR SALE OR VACANT HOME?

Many consumers are under the impression that their Homeowners policy covers them for pretty much everything. While the HO-3 or standard homeowners policy does provide a lot of coverage, it also is intended to cover an "Owner Occupied Dwelling" and not a vacant dwelling. The policy has some clear definitions of vacancy,  essentially any unoccupied dwelling for 30 days or more. Unfortunately, ,many consumers leave...

Car Sharing, Ridesharing are not covered rides on your Personal Auto Insurance policy

If the Beach Boys were to release a 2015 rendition of their ’60s hit, "I Get Around," the lyrics might include terms like Zipcar and Car2Go, or Uber and Lyft. These are some of the latest ways people are getting around nowadays — referring to car sharing or ridesharing. While both practices have grown, so have the complexities and ramifications surrounding them. Among the latter...