New Jersey Homeowners Insurance Quotes

New Jersey Homeowners Insurance QuotesWhen homeowners insurance really does cost an arm and a leg

If you think that people who work for insurance sit and desks and process paperwork you’re right—some of the time.  But they also hear some of the most far out stories you can imagine.

How about homeowners trying to pass forgeries off as valuable artwork and then filing claims for their loss? It’s happened.

But the best story at all has to be about a group of people who decided to take advantage of  accidental death and dismembering benefits of insurance policies. They took out a bunch of policies with some of the smaller insurers, and then actually cut off a finger or a toe. Then they filed the loss with each of the insurers and tried to collect.

Thankfully, insurance companies collect data and some eagle eye spotted an unusually high number of missing digits in a certain part of the country. The scammers were caught red-handed, even if one of the hands might have been missing a finger.

Because insurance companies work in risk, they set their rates based on statistics about claims. While you may laugh at these clever scammers, there is a hard reality to it, as well. Every time a scammer wins a judgment, it impacts your ability to get cheap New Jersey homeowners insurance from

For example, the folks who claimed a bovine had licked the paint off their car while they were vacationing in Europe actually filed a claim for it. Who thinks of things like this?

There are actually people who pretend to slip and fall in myriad places—and file claims each time. How do they think they can get away with it?

If you’ve been to India, Africa or Malaysia, you have seen naughty monkeys. Some vacationers had their clothes taken by a clever monkey who ran off with them. They won their claim, too.

Someone might have some explaining to do when they bake their cell phone into a kid’s birthday cake. How that happened would be a story in itself. But the fact that they filed a claim for it is amazing. Of course, the claim was denied.

What kind of moron would do a dive into a kids’ rubber swimming pool and then file a claim on it?  It’s a good question.

Insurance agents like to collect these ridiculous stories and can dine out on them for years.

Required Coverage for South Carolina Auto Insurance

Required Coverage for South Carolina Auto InsuranceWhen you are looking for your South Carolina auto insurance you will want to keep several things in mind. First you need to know what the minimum amounts of liability coverage is that you must have in order to drive in the state of South Carolina. You must carry liability coverage in every state in order to drive on the street in that state but the amount of the coverage varies from state to state. There are other variances that can be found as well, such as some states are no-fault states which means it doesn’t matter who is at fault in an accident, each party submits claims to their own insurance company.

In South Carolina the liability coverage that is required includes:

  • $25,000 for the bodily injuries to cover one person who is hurt in a single accident.
  • $50,000 is to cover the bodily injuries for more than one person who is injured in a single accident. These funds can be dispersed among the injured parties.
  • $25,000 is to cover the property damage for the other person’s vehicle.
  • $25,000 in coverage is for uninsured and underinsured motorist coverage for bodily injury fees for you or passengers in your car should you be hit by someone without insurance or not enough insurance to cover the charges. It also covers injuries caused by a hit-and-run driver.
  • $50,000 in uninsured or underinsured motorist coverage is for the same circumstances but for others injured in your car.
  • $25,000 in uninsured motorist coverage is to be in effect to cover damages to your vehicle but not if you are at fault for the accident. It is only to be used if the other person involved in the accident is not insured or does not have enough insurance to cover the damages.

You can always get higher coverage from than what is listed above. You may also want to include comprehensive and collision coverage on your vehicle. Collision coverage is what will pay for the damages to your car when you are involved in an accident. If your vehicle is being financed your lender may require you to have this coverage in order to protect their collateral.
Comprehensive coverage will pay for the damages to your car that occur for everything besides and accident, such as theft, weather damage, or if you were to hit a deer or any other animal. There are other circumstances so check with your agent.


Find out How to Get Michigan Car Insurance Quotes Online

Find out How to Get Michigan Car Insurance Quotes OnlineWhen you need to get Michigan car insurance quotes you should first start by asking your friends and family members, coworkers, and everyone you know who they have their car insurance through. It is best to get direct word of mouth referrals or complaints about their car insurance company. Ask them about their rates, how often the company raises their rates, and if they offer any discounts. Find out how they were treated if they had an accident and had to submit a claim. Was their insurance premiums raised? Were they cancelled?

Next you may want to do an online search to see what major companies are out there and which ones have a local office that is near you. You can find a place that will do an online comparison of insurance companies such as and it will compare the rates that would be available to you for the same coverage from the different insurance agencies.

Once you find a couple of companies that have competitive rates see if any of them have a local office. It is best to try to meet with an agent face-to-face when getting your Michigan car insurance quotes. Your agent should be familiar with the minimum liability requirements for the state of Michigan. You can always buy more insurance coverage than this but you have to at least have the following coverage to drive in Michigan:

  • $20,000 to cover the bodily injury charges for one person involved in an accident
  • $40,000 to cover the bodily injuries for more than one person in an accident
  • $10,000 to cover the damage to another person’s vehicle and property.

Michigan is a no-fault state. This means that it doesn’t matter whose fault the accident is, each person submits their claims to their own insurance company. Michigan has specific information as to how their no-fault program works so make sure you ask plenty of questions so that you are completely aware of how it works for you.


Other coverage you may want to ask about is comprehensive coverage which pays for any damages to your car that are the result of anything but an accident. This could mean if you hit a telephone pole, your car was damaged by extreme weather, or you accidentally hit a deer or any other animal or object that could cause damage to your car. Ask your agent about additional coverage.

Illinois auto insurance quotes

Illinois auto insurance quotesLife seems to go by faster than ever before nowadays, doesn’t it?  One minute your daughter is three years old and playing in the corner with her toys, the next she’s asking for the keys to your Mustang!  The issue of teen drivers is certainly a stressful one for any parent, but it’s something that most of us have to face sooner or later, whether it’s our own teens or dealing with them out there on the road, bopping away to Taylor Swift or Kanye West while completely ignoring that the light turned green a good fifteen seconds ago.

In short, teen drivers can be a headache—but they don’t have to be, given the right car insurance, and for that you’re going to want to look at for Illinois auto insurance quotes.  

Even if you aren’t concerned about insuring your car against teenaged vehicular mayhem, finding quality Illinois auto insurance quotes is still something you should give due consideration.  After all, none of us know what tomorrow might bring, and that includes the possibility of an auto accident.  You yourself might be the most careful and conscientious car owner out there on the road, but that doesn’t mean that you’ll be extended the same courtesy by everyone else out there.  All it takes is one wrong turn or getting behind one driver—teenager or otherwise—who chooses to pay more attention to their latest text than the road in front of them to set YOU back a good four or five figures at least.


So, how can you go about getting quality Illinois auto insurance quotes?  For starters, you’re going to want to make good use of what are commonly known as SEO (Search Engine Optimized) keywords.  These are the words you type into your search engine and use to find everything from an item on Amazon to car insurance.  In either case, you’re going to want to narrow down your search with more particular words.  In addition to that, you’re likewise going to want to get the make and model and other pertinent information about your car ahead of time—it will come in handy when filling out this information in online forms.  Finally, you need to take the time to compare the different Illinois auto insurance quotes you find against one another in order to find the best deal.

Keep calm, carry on, and find quality Illinois auto insurance quotes today!

Get Pennsylvania Car Insurance Quotes

Get Pennsylvania Car Insurance QuotesIt is important to get Pennsylvania car insurance quotes before purchasing your policy as you will need to ensure that you are not only meeting the minimum requirements of the law but that you are also getting the best possible deal from your provider. Comparing quotes is only half of the work of getting your insurance policy, you will also want to consider other types of coverage that these providers offer to ensure that your needs and wants are met by your policy. There are many different coverage types that are completely optional and may require some consideration before purchasing.

Coverage Types

There are multiple coverage types offered in Pennsylvania that can be added to your insurance policy from upon request to your provider. Many of these types are most certainly recommended, although they are not a requirement by law, only a suggestion. These types include collision, comprehensive, uninsured, underinsured, rental car reimbursement, towing, and funeral. Each of these coverages are something you may want to consider adding to your policy whether you feel you need them or not as they can be extremely helpful in an accident.

Collision can assist in paying for damages to your car while comprehensive only handles non-accident related damages such as theft. Uninsured coverage pays for an accident with an uninsured driver as to underinsured coverage will pay for your medical expenses if you are not the at-fault driver. If you do a lot of traveling and rent cars frequently, you may want to consider adding in the rental car reimbursement coverage as it will pay you back for the use of rental cars due to your travels or while your car is in the shop. Towing is also an excellent add-on as it will ensure that you don’t have to worry about the cost of a tow truck in the case that your car breaks down on the side of the road. The funeral coverage will pay for a funeral so you don’t have to worry about the costs and are not forced to pay for the costs out of pocket.


The coverage that you choose from is completely up to you and what you can afford to pay when adding on to your policy. Some companies may offer discounts to those who not only up their policy but also add onto their policy. In many cases, being prepared is the best course of action in ensuring you are properly covered.



Auto insurance remains one of the most important coverages out there, especially in a state like New York.  Here are four things every driver should know about New York auto insurance.


California has one of the highest population of any state, and has a reputation for being notoriously car-happy, meaning that there are also far more accidents here than in other states.  As such, acquiring New York car insurance is all but a necessity for anyone looking to live here long-term.  Happily “no fault insurance” is also available to help ease the financial difficulty no matter who is at fault in an accident.


It isn’t just damages incurred on the road which you have to protect against in the state of New York when it comes to auto insurance.  Without it, you may run into significant financial difficulties in trying to pay back the mandatory minimums which can be applied in terms of liability to a driver in the event of an accident.  These figures include $25,000 for injury or death, $50,000 for injury or death caused to more than one person, and/or $10,000 for general property or vehicular damages.  Failure to pay these fines can be legally problematic, and could potentially lead to fines and impoundment.


In the event that you do need to use New York car insurance, proof of purchase is extremely important.  Among the factors which are considered as constituting proof for holding New York car insurance include the make, model, year, overall safety rating, and value of your vehicle.


Even though there are some basic forms of New York car insurance from which are required, there are likewise many different forms which are optional, but just as potentially important to have.  For example, collision coverage covers the damages which may occur in the event of a collision with another car.  From there, you can scale up to more comprehensive New York car insurance packages, such as those which can protect against things such as vandalism.  Medical and funeral services can also be covered by some optional coverage packages.  Finally, in the event of an accident severe enough that towing and labor have to be involved in one fashion or another, there are optional New York car insurance policies which can cover you in that eventuality as well.


Ohio Homeowners Insurance Quotes

Ohio Homeowners Insurance QuotesDogs may impact homeowners insurance rates

Dog owners are finding out the hard way that some breeds are not appreciated by many homeowners insurance companies.  Homeowners are asked to disclose the kind of dogs they own while being screened, and some breeds impact your ability to get reasonable Ohio homeowners insurance quotes from

They may even cause you to be blacklisted completely. That’s because insurers are all about risk–and dog bites cost the industry at least $500 million each year. That’s a big number and represents a big risk to insurers.

There is no “official” rule or list of dog breeds that are likely to bite, but insurers cast a doubting eye on several breeds that are thought to be aggressive.  It will come as no surprise that Pit Bulls lead this list.  You can’t go too many days without reading about a pit bull in a vicious attack. Pit bull owners would dispute that they are inherently dangerous, but they represent a disproportionate number of claims. More than, say, a Jack Russell terrier.

Insurers look at the average number of bites per year reported to them when they make a judgment about a breed.

Dobermans are another breed that has been blacklisted at times, along with Rottweilers. These beautiful dogs are powerful and you don’t want your child or yourself to get on their wrong side. Often, kids are just playing with a dog but the dog sees it differently.

Surprisingly, Great Danes have also made the list at times. These huge dogs can be very gentle, but their sheer size must make them a threat in the eyes of insurers.

Did you know there are more than 4 million dog bites each year in the United States?  And there are insurance claims for many of them.

So, what if you don’t tell your insurance company you own a dog?  It’s simple. If a dog bite claim is filed by someone your dog bites, they may not pay anything. You may be personally liable for medical bills and lost wages.  That’s not a good scenario.

Not all insurance companies have problems with dogs, which is why it pays to shop around and compare policies on dog claims.  Those that do have issues may reduce a premium if you put your dog in a good dog training program, agree to keep the dog restrained or cover its face with a muzzle.

These are things any pet owner should think about before bringing a dog into their home.

California Homeowners Insurance Quotes

California Homeowners Insurance QuotesHomeowner Insurance Claims Stranger than Fiction

As any psychiatrist can tell you, people can be very strange and dysfunctional. But even more than a psychiatrist? An insurance claims professional has seen it all—and been asked to pay for damages.

You’d think that someone who worked in the homeowners insurance field would have a numbingly dull profession. But apparently it can be far from boring. At least some of the time.

The fact is, some policyholders will do anything to get funds from an insurer, and premiums take that into account in their pricing.  The most intelligent response a homeowner can make is to get several California homeowners insurance quotes from so you can discern whether or not you are being offered a reasonable deal.

One woman got a huge insurance judgment for injuries to her tailbone after she fell in a puddle of soda.  She neglected to inform her insurance company that she was the one who had spilled the soda by throwing at someone else earlier that night.  No, she withheld that information.

How about the thief who broken into a house, gathered up a load of goods and then locked himself in the garage for more than a week. At risk of starving to death, he raided the homeowners storehouse of dog food and beverages in the garage.

But he wasn’t very grateful—he won an insurance claim against the homeowner for pain and suffering he suffered while in the garage.

And there’s additional insanity.  Homeowners mounted a big mirror on the east wall of their kitchen, then left the house. While they were gone, the sun shifted position and, just like they taught you in scouting, the mirror reflected sunlight on to a silk plant in the kitchen, which ignited.  It didn’t take long for the fire to damage the entire kitchen. And  yes, the insurance company paid for the loss, believe it or not.

How about the new bride who got her gown too close to the Barbie—it went up in flames and her groom threw her into the sea to put it out.  The reception was a disaster, but the insurance company paid up.

How do you assess these claims? Would you pay out? Or would you refuse outright?

But–have you heard about the rabid magpie that flew into someone’s boudoir and stole their eyeglasses?  That’s a tale for another day.

Arizona Homeowners Insurance Quotes

Arizona Homeowners Insurance QuotesHomeowners insurance for when the worst happens

Here’s the scenario: out of nowhere, a huge storm arrives in your city. It’s got wind so hard that pedestrians are blown over. The trees in your yard—the ones you paid good money for the landscaper to install, are bent practically in half. The rest of your landscaping is being decimated hour by hour.

Think it couldn’t happen? It can and it’s happening now more often than it used to, for whatever reason.  That’s why astute homeowners are making sure they have all their bases covered with the right kind of homeowners insurance, the kind that will protect you from financial disaster should the worst happen.

It might be time to update your policy. When you start your research, probably online, since so much information is available here, you are probably going to be looking to get low-priced Arizona homeowners insurance quotes from And who can blame you? You work hard for your money.

But the thing is, there’s more than price at stake. You want to be sure you are covered no matter what happens. That if your roof blows off, or windows break or there’s a water leak, you’re not having to pay everything out of pocket.  You’re going to want a policy that takes care of the standard things—your structure and belongings, but you want to make sure that acts of God aren’t ruled out. And if they are, you may need an extra policy. Because you don’t want your investment in landscaping, for example, to go down the tubes.

When you buy homeowners insurance, you’re betting against yourself in a way. You hope that nothing happens, but if it does,  you want to be covered. Sometimes that means you might pay more than you’d like in premiums.  But it really is a matter of protecting yourself and your belongings.

In today’s world we face so many financial pressures. The last thing you want to do is have to rebuilt your house on your own dime. Or replace carpets or roofs or belongings on your own. Like most people, you probably work hard enough just to pay the bills.  You’re not going to want to be faced by huge replacement costs in the event of a huge storm.  How much easier is it to file a claim and get a check to cover any damage?