Sarbu and Stan Insurance Services Blog
View the latest blog posts from Sarbu and Stan Insurance Services.
Thursday, April 2, 2020High value items will be covered under a typical home insurance policy, but not past a certain dollar amount, unless your policy includes special provisions.
Different insurance companies may have different limits, but generally it breaks down something like this:
$1,500 per item
$3,000 for combined value
READ MORE >>
Thursday, March 26, 2020When you buy a new home, you want to make sure it's within your budget. That includes not just the purchase price but also other ongoing expenses such as home insurance.
What's the Average Cost of Home Insurance?
The average cost of home insurance ranges from $598 in Delaware to $2,559 in Oklahoma. READ MORE >>
Tuesday, March 24, 2020If you get a ticket for illegal passing, it could be a moving violation that puts points on your license and could lead to your auto insurance rate to increase. You know to follow the law, but when exactly is it legal and illegal to pass someone?
Passing on the Left
The rules for passing on the left are pretty simple. READ MORE >>
Thursday, March 19, 2020If you don't live in your home the entire year because it's your vacation home, you're a snowbird or you just like to take long vacations, you need to pay close attention to your home insurance. Living in your home part-time creates extra insurance risks, so you may need extra coverage.
READ MORE >>
Tuesday, March 17, 2020Generally speaking, if your vehicle doesn't have a motor, you're not legally required to carry insurance on it. This means bicycle, rowboat and even sailboat owners can choose not to carry insurance on their mode of transportation. Even trailers generally don't need to be insured, by law.
READ MORE >>
Thursday, March 12, 2020When you tow a camper trailer, you want to know that your car insurance protects you. It typically will give you some protection, but there are a few things you need to know.
Liability Coverage
When you tow a camper trailer or other trailer, the most common rule is that your liability protection will extend to driving while towing. READ MORE >>
Tuesday, March 10, 2020How exactly does your home insurance protect you when you need it? The key is having a good inventory to be able to prove what you owned and what it was worth. Here's what you should do.
1. Save All Receipts
Keep all your receipts for both proof that you owned each item and what you paid for it. READ MORE >>
Thursday, March 5, 2020Whether you're expanding your business, downsizing or you just found a place with lower rent across town, a new office means you're going to have to make some changes to your existing business insurance policy. The rule of thumb is the same as always: The more your insurer knows, the better they'll be prepared to provide you with the coverage that you need. READ MORE >>
Tuesday, March 3, 2020When signing up for auto insurance, you have the option of making a single annual payment instead of monthly payments. In some cases, this isn't a bad idea, but there are pros and cons to the annual payment plan. Neither option is best, but one might be better for you than the other, depending on your circumstances. READ MORE >>
Thursday, February 27, 2020Whether you have a mortgage for your home or not, it is important that you have a home insurance policy. The purpose of a home insurance policy is to protect your finances and investment in the event your property is damaged or destroyed.
Here’s more about what to look for in home insurance in 2020. READ MORE >>
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