The personal umbrella insurance policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability policies – home, car, boat, RV, etc., so you have a higher personal liability limit, than what would otherwise be available. In certain circumstances, an umbrella insurance policy m […]
Standard renter’s policies cover only you and relatives that live with you. If your roommate is not a relative, each of you will need your own renter’s insurance policy to cover your own property and to provide you liability coverage for your own actions. […]
If you live in an apartment or a rented house, renters insurance provides important coverage for you and your possessions. A standard renters insurance policy protects your personal property in many cases of theft or damage, and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who l […]
Owners of apartment complexes buy insurance policies for their liability in order to cover their buildings and personal property. However, these policies do not cover any of the tenant’s property or liability. By requiring their tenants to have renters insurance, the apartment owner is assured that the tenants will not mistakenly believe the apartment […]
When you apply for an insurance policy at Greene Insurance, you will be asked a number of questions. For example, Greene Insurance might ask your name, age, gender, address, etc. You will also be asked a series of other questions which will be used to determine how likely you are to make a claim.
When Greene Insurance is deciding whether or not to offer […]
Collision insurance coverage 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 insurance coverage provides coverage for mostly other direct physical damage losses you could inc […]
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” coverage, the policy owner is reimburse […]
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:
A number of factors can affect the cost of your car insurance – 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, and where the car is garaged can all affect how much your car insurance will cost you.
Even your marital status can affect your cost of ins […]
Unlike most insurance agents, Greene Insurance Group in an Independent Insurance Agency and being Independent allows us to offer insurance from over 25 top-rated insurance companies. Other insurance agents offer one brand or insurance from one company. You will save time and money by allowing us to review your insurance and find the best in coverage an […]
Most states have insurance laws that require drivers to have at least liability insurance on a vehicle in order to drive on public roads. 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 of repairing the damages to an older […]
“Rule of thumb” suggests an amount of life insurance equal to 6 to 8 times annual earnings. However, many factors should be taken into account when determining the right amount of life insurance for you and your family.
Important factors include:
A renters insurance policy provides named perils coverage. This means that the policy only pays when your property is damaged or destroyed by any of the ways specifically described in the policy. These usually include:
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 Greene Insurance.
It’s not surprising to find quotes on homeowners insurance that vary by hundreds of dollars for the same coverage on the same home. When you shop, be […]
It used to be that the only people who needed personal umbrella liability policies were wealthy individuals, who had sizable amounts of personal assets that would be at risk in a lawsuit.
However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since those with modest incomes are even les […]
