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Secure American Insurance Blog

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Heading to Mexico for the winter sounds so nice when these cold winter months roll in. We have dozens of customers that start their journey south as soon as December gets here. Many of our tropic-seeking customers drive themselves down to the winter homes in order to bring a form of transportation with them for the months they are there. READ MORE >>

This is not a common question we get as agents, however, it’s a question we wish more consumers would ask. What most people don’t know about their policy is that their car is not automatically covered if is stolen and neither is the personal property inside your stolen vehicle. READ MORE >>

Most insured’s don’t realize that flood is not actually a covered loss on a standard home insurance policy. If the river behind your house floods due to heavy rains and floods your home, your standard homeowner’s insurance policy won’t cover the cost to repair your home or replace your personal belongings. READ MORE >>

Insurance is regulated at the state level, meaning each of the 50 states has their own Department of Insurance. There are a few primary duties that each state’s Department of Insurance (DOI) has:   1.      Licensing Insurance Companies and Agents 2. READ MORE >>

In continuing with our theme of reviewing different aspects of commercial insurance, I wanted to review the concept and coverage called Business Income and Extra Expense.   This isn’t a commonly talked about coverage because it isn’t used very often, however, it is an extremely... READ MORE >>

A waiver of subrogation is a commonly requested endorsement when it comes to commercial insurance. These waivers can be requested on a variety of policies but are primarily seen on general liability, commercial auto, and worker’s compensation.   According to the International Risk Management Institute, Inc. READ MORE >>

Additional insured requests related to general liability or commercial package policies are a daily occurrence. While most entities require they be an additional insured, most of our customer’s don’t truly understand what an additional insured is and how that can create problems for them if a claim arises. READ MORE >>

Two weeks ago we reviewed the difference between replacement cost and actual cash value coverages on a property policy. This week we will review a similar concept and how it relates to auto insurance. This is also a topic we receive a lot of questions primarily when claims are filed.   READ MORE >>

A question we have had come up a lot lately (primarily stemming from our hail claims), is what is the difference between actual cash value settlement and replacement cost?   This is a simple answer and VERY important for all consumers to know, especially when it comes to their property, whether that be a home or a commercial building. READ MORE >>

Luckily this is an easy answer. A personal umbrella policy is an extra layer of coverage that sits over and above your home, auto, or rental home policies.   When the topic of a personal umbrella policy arises, the number one question we as agents get is, why do I need one? READ MORE >>

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