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Secure American Insurance Blog

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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 >>

General liability is insurance coverage that helps businesses to protect themselves against liability claims arising out of bodily injury, property damage, premises, business operations, products or completed operations, and advertising or personal injury.   This seems like a really vague definition, right? READ MORE >>

Talking or thinking about death can be hard especially when it relates to someone you love. But the one guarantee we all have is that at the end of our lives we die.   Due to death being an uncomfortable subject to many people, most people don’t take time to think past their death to what happens to their loved ones when they die. READ MORE >>

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