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What You Should Know About Home Insurance?

What You Should Know About Home Insurance?

by | Dec 17, 2018 | home insurance quotes

As a home insurance company in Lake Worth, we at Trueway Insurance know there are several things that are important in selecting your home insurance. We offer home insurance quotes that are affordable, but we also commit ourselves to quality of service. In order to make sure that we do this, we value educating our clients so that they can understand how important their policy and their coverage is.

 

What Does Home Insurance Cover?

 

Most home insurance policies pay for any damage to your property as well as any of your possessions in the event that something were to happen. This can range from storms to fire to theft to even vandalism. Much like renters insurance, it provides liability coverage is someone were to come to your property and get hurt. It also covers costs if you were to be displaced from your home in the event of a disaster and needed to relocate to a hotel.

 

Home insurance does not just cover the things that are physically on your property. It also extends outside it. For instance, if you were to have something stolen from your car, there is a good chance that your auto insurance won’t cover it but your home insurance will. As long as the items are traveling with you, they can be covered under your insurance policy.

What Doesn’t Insurance Cover?

 

There are certain events that are not covered under typical insurance policies. These can include movements of the earth such as earthquakes or sinkholes. It can also include power failure, war, government action, bad repair, and–most commonly–flooding. Windstorms such as tornadoes can be covered, but in certain high-risk areas, tornadoes may not be covered as well as hurricanes.

 

Water damage is more complicated. Many insurance companies cover damage that occurs as a result from water from above. However, water from below is usually not covered. This means that if your region is particularly prone to flooding or other types of water damage, you may want to consider additional coverage.

 

Why Should I Shop for Home Insurance Quotes?

 

Home insurance is an important part of owning a home. When you select your home insurance, you are selecting the company that will be there to help you rebuild when something goes wrong. If the insurance company is not a good one or if the coverage is too expensive, you may find yourself having issues down the line. That means that you should always take the time to shop around for insurance. This way, you will select one that is both affordable for you and is able to cover you properly in the event of disaster.


Contact Us

Trueway Insurance is an insurance company located in Lake Worth. We know that the market for home insurance can be expansive and we want to make sure that our clients have the tools to select the right insurance policies for them. For affordable home insurance quotes and more information on how we can help you, contact us today.

What to Consider When Comparing Home Insurance Companies

What to Consider When Comparing Home Insurance Companies

by | Dec 3, 2018 | affordable insurance, home insurance quotes

There is an abundance of home insurance companies, and Trueway Insurance in Lake Worth knows it is important to know how to select the right one for you. As an affordable insurance company, we value bringing our clients transparency as well as quality service. That is why we strive to educate our customers about insurance and how to select the right policy for them.

 

Rating & Reputation of Home Insurance Companies

 

The insurance company that you select is going to be the one that you rely on when something goes wrong. If you pick the wrong company or you select one that does not have a good reputation of helping its clients, you will be left vulnerable at an already difficult time in your life. This is why it is so important to do your research and look up ratings and reviews of the companies you are considering. You can find these both from actual customers and from legitimate agencies who dedicate themselves to evaluating insurance companies. Be sure to look at both to get the most accurate picture of how the insurance company will serve you.

 

Modernity

 

The fact of the matter is that we conduct most of our business online now. In the past, we might have taken the time to go to an insurance office to speak to an agent about policies and discuss claims, but that is not the way it is anymore. While some companies have adapted to this fact, not all of them have. If accessibility is important to you and you want to be able to conduct your claims and other business online, be sure to find a company that invests in this. Check out their website for functionality and see how easy it is to navigate. Chances are good that if the website seems clunky and outdated, they are not a company that will be readily accessible.

 

Payment Options

Some companies will allow you to pay your premium off in installments. Some will require a down payment along with monthly payments while others will only allow quarterly payment installments. Others will not have payment installments at all and will require your premium in one lump sum. Depending on what your preference is, be sure to ask those questions before you commit to any policy. You do not want to be left paying for something you were not anticipating, especially when it is something as costly as an insurance premium.

 

Multiple Policies & Bundling

 

Some insurance companies will only offer one type of insurance. This may not appeal to you if you are in need of multiple different kinds of insurance. For instance, if you are in the market for both car and home insurance, you would benefit from selecting the same insurance companies for both of these policies. The reason behind this is that many affordable insurance companies who offer more than one type of insurance often offer bundling discounts. This allows the customer to save money and hassle because they are able to direct their monthly payments to one single company.

 

Contact Us

Trueway Insurance is one of the top home insurance companies in Lake Worth. We offer affordable insurance for both car and home. If you are interested in learning more about what we can offer you, contact us today.

What Does A Notary Public Do And Do I Need One?

What Does A Notary Public Do And Do I Need One?

by | Nov 26, 2018 | affordable insurance, auto insurance quotes, home insurance quotes

A notary public is an important part of any legal process. Trueway Insurance in Lake Worth knows how valuable a notary can be to the insurance process. They can verify an array of documents that are critical to processing claims, and they can prevent misunderstandings from occurring. We offer affordable insurance for car, home, and others and we understand the the value that a notary can bring. If you are interested in learning more about what we can offer you or you have further questions about how notary publics play a part in the insurance process, contact us at Trueway Insurance today.

 

What is a Notary Public?

 

A notary public is someone who acts as an official witness to the signing of a document. The notary’s job is to make sure that the document–or documents– are being signed freely and willingly as well as to make sure that the people who are signing it are who they say they are. In most cases, the document must be signed in the presence of the notary in order to be notarized. In some cases, it can be signed beforehand and then brought to the notary by the person who signed it. It is at that point when the notary will acknowledge that the person signed it.

 

Given the formality that goes into getting a document notarized, why is it then that the document needs to be notarized to begin with? The answer to this lies in the person or entity that requests the document. Typically, documents are requested to be notarized when there needs to be an added level of trust to the document. Notarization essentially makes it so that the document was executed in such a way that it is binding for the people whose names are in it. When a document is notarized, it says that the people who signed it were willing to do what the document says they will do and there is evidence to back that up.

 

Why Do I Need One?

 

Notaries provide legal verification for documents that have to be submitted for formal purposes. Technically, what they do is not notarize documents but signatures. For many documents, notaries employ seals in order to emphasize their approval. While this used to be the case on all documents, this is rarely the case now. In fact, often, really only real estate transactions carry notarized signatures along with notary stamps.

 

Do You Need Affordable Insurance? Contact Us

 

Trueway Insurance is an insurance company located in Lake Worth. We offer affordable insurance for home, car, among others. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us at Trueway Insurance today.

Is My Home Business Covered By My Homeowners Policy?

Is My Home Business Covered By My Homeowners Policy?

by | Oct 15, 2018 | home insurance quotes

A home business is an exciting prospect, but is it covered by your home insurance policy? Trueway Insurance in Lake Worth has the answer. We are a company that focuses on providing quality insurance at affordable prices. If you are looking for home insurance quotes, it is important to keep in mind whether or not you will need to add additional coverage for your home business.

 

Is My Business Covered?

 

There answer to this is simple: usually not. While it may be easy to assume that your home insurance will cover your home business, this is typically not the case. This is because there is another set of risks to consider when you are running a home business. For instance, you could have an employee or a client at your house and they could injure themselves. Without liability coverage, you would have to pay for that out-of-pocket. This is because you were conducting business at the time that the incident occured and is therefore not covered under your regular home insurance.

 

Another thing to consider is your equipment. Many home insurance policies will not cover the equipment that it takes to run your home business. If it does, it will only cover very little. This means that you could have your things robbed from your home and, as long as they are used for the sake of your business, your insurance company could deny your claim.

 

What Questions to Ask About Your Home Business

 

These types of incidents are what make it so important for home business owners to have additional coverage. The type of coverage offered by your home insurance is typically not going to be enough to cover your home business, and the last thing you want is to have to utilize all of your savings to replace that equipment or pay off that lawsuit.

 

When you sign up for insurance for your home business, there will be a number of questions you will need to answer in order to ensure that you are selecting the policy that is right for you. These questions will have to do with the amount of risk that your business incurs, the type of equipment you use to conduct your business, if you have any employees, if you utilize anything that could be considered dangerous such as chemicals or hazardous materials, and an assortment of other questions. You may also be asked how many clients you see in your home business.

 

There are certain specific cases where people who own home businesses could simply receive an endorsement from their home insurance company for their home business. This is only in a few cases and only particular professions qualify. To determine if your profession and home business are eligible, contact your home insurance company.

 

Looking for Home Insurance Quotes? Contact Us

Trueway Insurance is an insurance company located in Lake Worth. To learn more about what we do and to get home insurance quotes that will fit your budget and needs, contact us today.

5 Factors to Look For When Searching For Home Insurance Quotes Online

5 Factors to Look For When Searching For Home Insurance Quotes Online

by | Sep 24, 2018 | affordable insurance, home insurance quotes

Home insurance is necessary for homeowners everywhere. When it comes to home insurance policy shopping, there are just a few things to keep in mind. As purchasing a home is one of the largest financial decisions you will have to make, it’s good to be informed when looking at home insurance quotes to protect your investment. Trueway Insurance is a top insurance provider in Palm Springs offering comprehensive and affordable insurance policies for any budget. We pride ourselves on our customer service and offer some of the best insurance prices in South Florida. Call us today for a free initial consultation!

 

What To Look For When Looking at Home Insurance Policies

 

When looking around online for home insurance, you may think that price is the only factor and go for the cheapest option, or perhaps not be thorough in your examination of the policy itself as well as the evaluation of your current situation. There are just a few thing things to consider when shopping for home insurance, as it is always good to be informed in order to make the best decision for your specific situation. Firstly, you should consider the location of your home when determining how much you should pay for home insurance. If you are in the market for purchasing a house, you should keep in mind that where your house is located can have an impact on how much you pay for home insurance. For example, if the house is located in the same area as volunteer firefighters, or the closest fire station is over 5 miles away, rates may be significantly higher. Your insurance premiums may also be higher if the house is in a geographical location that is more prone to natural disasters such as hurricanes or wildfires. There are also other regional factors that can affect your insurance rates, such as the crime rate of the area as well as the general building costs in the area.

 

When shopping for home insurance, you should know the costs that are involved. When purchasing a policy, you will want to have the house insured for its replacement cost, not its market value. The amount a buyer pays for the home is the market value, while the replacement cost is what expenses are needed to repair or rebuild the entire home, including the costs that may be necessary to transport the materials to the site, as well as other factors such as inflation being taken into account. As you start to build your policy, you will need to set homeowners insurance deductibles. The deductible on your policy is how much you’d pay out of pocket on a claim. If you choose a higher deductible, your monthly premium may be lower, but if you file a claim, you will need to pay more out of pocket.

 

Things You Should Know When Shopping for Home Insurance Quotes

 

When looking for practical and affordable insurance quotes, you should know your property well. This means that you should obtain a claims history report from the seller detailing any previous damage to the home, such as flooding, fires, and other incidents. This report can let you know about any of the home’s frailties that could increase your premiums, or even make it difficult for you to get insurance. Lastly, when it comes to selecting home insurance coverages and receiving your quote, it is essential to be honest. Providing the proper information helps your insurance company provide more reliable protection and a more accurate quote. If you provide incorrect information, you could not only end up with an inaccurate quote, but the insurer may end up canceling your policy.

 

Contact Us today

 

There are just a few considerations to keep in mind when shopping for home insurance quotes in order to get the right policy for your situation. Trueway Insurance in Palm Springs provides affordable insurance for every budget. Call us today for a consultation!