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Can I buy insurance without paying a broker fee?
Great question! The good news is that paying extra broker or agent fees is not something you automatically have to expect when buying insurance. In many cases, you can get help shopping for coverage without paying anything extra out of pocket.Here are a few helpful things to know:Not all brokers or…
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Is it normal for pet insurance premiums to go way up at renewal?
An increase in pet insurance premiums at renewal is normal, but whether 35% is on the higher end of typical is hard to say without knowing your pet's age, breed, location, and carrier. The increases do tend to get steeper as your pet gets older. Here's why it happens, and how to decide whether it's…
Why do too many home insurance claims make you uninsurable?
Unfortunately, filing multiple claims in a short period of time can make insurers view you as "high-risk." Most people don't find out until it's already happened, and it doesn't necessarily mean you did anything wrong. The good news is those claims will eventually fall off your insurance history an…
Does my homeowners insurance cover my e-bike?
There might be coverage for your e-bike, but it's probably not as much as you'd realistically need to replace a high-end model. E-bikes are a bit of an insurance gray area: they aren't a motorcycle or a car, but they're more expensive than your average bike, and the added batteries and motors make …
How do I insure a home I'm building myself?
Congrats on your new home! Coverage while the house is being constructed is called builder's risk insurance, or sometimes called 'course of construction' insurance. It's designed to cover a structure while it's still being built, protecting against things like fire, wind, theft of materials, and va…
Does having no credit at all affect your car insurance?
Good question, and it's a common misconception that no credit is treated the same as neutral or average credit. Unfortunately, that's usually not the case: most insurers, including in Arizona, view a blank credit file similarly to a low or "fair" credit score rather than a clean slate, since they d…
What happens if I unbundle my home and auto insurance?
This is a great question considering the California insurance market right now. The honest answer is that it depends on your insurer's specific guidelines, and the only way to know for certain is to call them directly and ask before you do anything. Most insurers won't drop your homeowners policy s…
Should I insure my home for market value or rebuild cost?
Insure for the rebuild cost, not the market value. This is one of the most important and most misunderstood concepts in homeowners insurance, and USAA is giving you good advice.The rebuild cost is what it would take to completely reconstruct your home from the ground up, including labor, materials,…
Can my insurer deduct depreciation and a deductible from the same claim?
Although it feels unfair, it's normal for home insurance to subtract both the deductible and the depreciation of an item if you are covered on an ACV (Actual Cash Value) basis. Your deductible is the fixed amount you agreed to pay out of pocket before your insurance kicks in. That applies to every …
Do I have to keep insurance if I bought a house with cash?
Without a mortgage, nobody is requiring you to carry homeowners insurance, and that's a nice freedom to have. That said, choosing to go without it on a property you're actively investing in is a risk worth careful consideration.Technically, unlike auto insurance, the state doesn't require you to ca…
Should I raise my deductible to lower my monthly bill?
Your deductible is something you can change pretty easily to lower your monthly insurance bill without sacrificing your coverage level. However, the catch is that whatever amount you choose, that's the amount of money you'll need to pay if you file a claim.Your deductible is what you pay out of poc…
