AC Insurance, Author at AC Insurance Services

Does My Homeowners Insurance Cover Liability?

October 28, 2020
AC Insurance
Home Insurance

Your home isn’t merely a roof over your head. It might even be the most expensive asset, and one you probably can’t afford to replace out of pocket in case of disaster. That’s why it’s crucial to protect your investment with the appropriate homeowners insurance.

This policy offers monetary protection against loss because of disasters, accidents, and theft. Most typical policies comprise four essential kinds of coverage: coverage for the home’s structure; coverage for personal belongings; coverage for extra living expenses, and liability protection. Here’s what you should know about this policy.

Insuring Your Vacation Home

October 14, 2020
AC Insurance
Condo Insurance

The kind of policy you require to protect your vacation home depends on how you use it and how frequently you’re there. Regardless of how you use your property, it’s typically more costly to insure a second home than a primary residence because of different risks.

For insurers, a second property is always riskier than your primary residence. To begin with, if nobody lives in your vacation property, there’s a higher likelihood of vandalism or burglary. Secondly, if renters or friends occupy it in your absence, there’s an increased liability from an insurer’s perspective. If you’re thinking of owning a vacation home, here’s what you should know when it comes to insuring it.

Discounts for Spotless Driving Record

September 23, 2020
AC Insurance
Car Insurance

A safe driver discount is perhaps the most common auto insurance discount insurance companies offer. This discount has the potential to save hundreds of dollars annually, depending on the number of people who receive it in your household.

Insurance providers offer this reward for safe driving on the road. Numerous insurers provide this incentive to safe drivers who don’t have any recent accidents or claims. These discounts apply to drivers who sustain a clean record for a particular number of years. If you’re looking to save with this policy, here’s what you should know.

Best Coverage for Low-mileage Drivers

September 9, 2020
AC Insurance
Car Insurance

Insurance customers are frequently keen to save money and insurance firms have continued discovering ways of helping them decrease their premium expenses. One way that companies reimburse drivers who don’t spend considerable time behind the wheel is through low-mileage discounts.

If you don’t drive very often, it’s only rational to pay less for your vehicle insurance policy because you’re decreasing the likelihood of exposing yourself to any risk that might arise on the road. In this case, you can apply for a low-mileage discount on your policy. This choice could save you a considerable amount on your insurance premiums. Here’s what you should know about low mileage coverage.