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Most standard homeowners and renters insurance policies have built in protection for such occurrences. This coverage usually runs between $25 to $60 per year, depending on the insurance company and limit of coverage. Homeowners insurance identity theft protection has the following built in protections: 1. Travel reimbursement 2. Legal fees 3. Lost Wages 4. Replacement of…

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason why you treasure a piece of fine jewelry is a reason why it should be insured. However, calling it “jewelry insurance” may be a stretch. You don’t need a separate policy to insure…

Actual Cash Value the fair market value of property immediately preceding the loss. For real property, this amount can be based on a determination of the fair market value of the property before and after the loss. For vehicles, this amount can be determined by local area private party sales and dealer quotations for comparable vehicles.…