When you apply for an insurance policy at Rumer Insurance you will be asked a number of questions. For example, might ask your name, age, gender, address, etc. You will also be asked a series of other questions which will be used to [...]
By using an independent agent such as , the policyholder receives more personalized service. Having direct contact with can be very important when purchasing insurance, and absolutely necessary when filing a claim. is able to deliver quality insurance in Pennsylvania [...]
I have an older car whose current market value is very low – do I really need to purchase car insurance?
Most states have insurance laws that require drivers to have at least some car liability insurance. These laws were enacted to ensure that victims of car accidents receive compensation, when their losses are caused by the actions of a negligent individual. Often times the cost [...]
What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
Collision is defined as losses you incur when your car collides into another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage. Comprehensive provides coverage for mostly other [...]
A number of factors can affect the cost of your car insurance in Pennsylvania & New Jersey — some of which you can control and some that are beyond your control. The type of car you drive, the purpose the car serves, your driving record, [...]
There are a number of things you can do to lower the cost of your homeowners insurance. The easiest thing to do is request a comprehensive review of your policy and your needs from . It’s not surprising to find quotes on homeowners insurance [...]
The typical homeowners policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is [...]
Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, the policy owner is entitled to the depreciated value of the damaged property. Under the “replacement cost” [...]
There are a number of factors you should consider when purchasing any product or service, and insurance is no different. Below is a checklist of things you should consider when you purchase homeowners insurance: Determine the amount and type of insurance you will need. The [...]
Note: this answer is based on the Insurance Services Office’s HO-3 policy. The home and other structures on the premises are protected on an “all risks” basis up to the policy limits. “All risks” means that unless the policy specifically excludes the manner in which [...]