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At Insurance Secrets, our priority is serving our clients’ best interests by finding them the most suitable coverage. As an independent insurance broker, we work independently from insurance carriers, allowing us to provide unbiased advice and search the market extensively to find the policies that offer the best coverage options and value for our clients’ unique needs.
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Frequently Asked Questions
What is a deductible ?
A deductible is the amount of money that you are responsible for paying toward an insured loss. When a disaster strikes your home or you have a car accident, the deductible is subtracted, or "deducted," from what your insurance pays toward a claim. Deductibles are how risk is shared between you, the policyholder, and your insurer. Generally speaking, the larger the deductible, the less you pay in premiums for an insurance policy.
How much coverage do I need?
If you have a million-dollar house, you could lose it in a lawsuit if your insurance coverage is insufficient. You can get additional coverage with a Personal Umbrella or Personal Excess Liability policy. The greater the value of your assets, the more you stand to lose, so you need to buy liability insurance appropriate to the value of your assets.
Do I need to get a new appraisal to renew or change my coverage?
No. You do not need a new home appraisal during the renewal or coverage change process.
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