Local General Insurance
Insurance Articles
Plain explanations of the coverage terms, limits, and pricing decisions that determine what you pay and what you collect.
How to Read Your Auto Insurance Declarations Page
The two-page summary at the front of your policy is where every mistake hides. Here is how to audit it in fifteen minutes.
Choosing a Deductible You Can Actually Pay
Raising a deductible is the fastest way to cut a premium and the fastest way to be underinsured. The break-even math settles it.
Why Your Premium Went Up When Nothing Changed
A clean record does not protect you from a rate increase. Here is what is actually driving it, and what you can do.
Actual Cash Value or Replacement Cost: The Clause That Decides Your Payout
Two policies with the same dwelling limit can settle the same roof claim thirty thousand dollars apart. The difference is one word.
What 25/50/25 Actually Means, in Dollars
State minimum liability limits were set decades ago. Here is what they cover, what they do not, and what more costs.