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What’s the Difference : Collision vs. Comprehensive Coverage?

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What is the Difference Between Collision and Comprehensive Auto Insurance?

 All automotive insurance policies are not created equal, and unlike liability coverage, both collision and comprehensive insurance are intended to pay for damage to your own vehicle. While all types of auto insurance are important, as a driver it is imperative to know how your policy protects your car.

What is collision insurance?

Collision coverage is insurance which protects against damage to your vehicle in the event of a… Continue reading →

October is National Cyber Security Awareness Month – Is Your Business Covered?

Stressed young businessman sitting at desk with laptop

Throughout the past 10 years there has been a steady evolution of technology, with these technological advances has come an entirely new area of crime and risk. In the United States alone there were 781 data breaches in 2015, this number has increased from 324 in 2014. With each data leak there are thousands of personal and business files that are exposed.

With all of these data breaches, just here in the United States it is important to evaluate… Continue reading →

How Much Money are You Willing to Spend on Insurance?

By: John E. Dowd, Jr

In the world of insurance everyone knows that driving history can impact your insurance rates. What most people do not realize is that your insurance rates can go up because you decided to buy a new pair of shoes or a nice new grill for the summer months.

This emerging tactic is called price optimization – an approach that some insurance companies have implemented. This practice uses an algorithm and statistical models to evaluate how… Continue reading →

What You Don’t Know About Home Liability Coverage

By: John E. Dowd, Jr.

With families preparing to host barbecues this summer or gearing up to take a weekend trip, it is important to understand that many insurance policies provide for liability coverage, even for certain accidents outside the home.

Liability coverage is a typical component of a homeowner’s insurance policy. While no one expects to be held liable after a friend falls down their stairs, this coverage may help prevent paying out-of-pocket if you are found legally liable.… Continue reading →

Top Three Reasons to Combine Your Insurance Policies

By: John E. Dowd, Jr.

Today our entire lives are bundled, we bundle our cable, internet, and phone, and just like shopping at Costco the idea of ordering in bulk or paying for multiple services through one provider brings the price down. The same can be said for insurance policies. Most Americans start driving under their parents insurance and although some have made changes along the way, most drivers do not make mindful efforts to switch insurance policies. As a… Continue reading →