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Almost 98% of drivers misunderstand how their auto insurance works

According to a recent survey, a staggering number of US drivers – approximately 96% – are unaware of the fundamental elements of their auto insurance coverage. The poll, which interviewed almost 1,000 drivers across the country, looked at how well motorists understand their auto insurance to see if they are aware of what it covers …

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How to choose a deductible for your homeowners insurance policy

Your home insurance deductible is one of the easiest things to use to help control the cost of your homeowners insurance. When choosing a deductible, what you are really doing is telling the insurance company how you view insurance. What I mean by this, is the lower the deductible you pick, the insurance company knows …

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Auto Insurance Coverage Options

GOOD DRIVERS ARE RESPONSIBLE DRIVERS. Having proper Auto Insurance ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen. At Beacon Point, we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance …

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What you need to know about monoline umbrella policies

A monoline commercial umbrella insurance is a type of policy that provides financial protection with extra liability coverage limits for your primary business insurance policies in addition to covering some exposure gaps in those policies for a wide range of risks. It is typically used to provide coverage for businesses and professionals that face a …

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What is Medicare?

Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with permanent kidney failure (called “End-Stage Renal Disease”). You must have entered the United States lawfully and have lived here for 5 years to be eligible for Medicare. There are multiple parts to medicare: Medicare Part …

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What does an HO-5 policy cover?

The HO-3 has been the standard homeowners insurance policy since the 1950s, and is adequate for most homeowners personal insurance needs. For older homes, it’s still an excellent choice. But today, there’s something much better, particularly for newer, well-maintained homes. It’s known generically as the HO-5 homeowners insurance policy. While the HO-5 is offered only …

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Classic / Antique Auto Insurance – Agreed Value vs. Stated Value

There are three different bases that an insurance company can use to value an insured auto. Lets first look at the one that almost everyone has on a typical insurance policy: Actual Cash Value (ACV) ACV translated means “What its worth in cash, today (just before you crashed it).” After your accident, an insurance company …

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Tips For Smooth Sailing This Season

Before you take that first pleasure cruise or fishing trip of the season, make sure your boat insurance is shipshape. Insuring a boat is different than insuring a car or home. Boats require specialized coverage. To avoid a sinking feeling about your boat insurance, consider these tips: Evaluate your specific needs. Some insurance companies provide …

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How To Obtain Liability Insurance If I’m A Painter

If you’re a painting contractor, you know that you need liability insurance to protect yourself and your painting services business. But did you know that there are several types of liability insurance for painters and that not all policies are created equal? In this blog post, we’ll explain the distinct types of liability insurance for …

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Low-income residents of Kansas and Missouri now have a brand-new special enrollment period to find affordable health insurance.

Now, for the first time, low-income people in Kansas and Missouri can buy health insurance on the federal exchange throughout the year. This new year-round enrollment period applies to those who earn 150% or less of the federal poverty line — meaning up to $39,750 for a family of four. A pandemic stimulus law passed …

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