Should I carry comprehensive and/or collision coverage on my car?
The fire along Interstate 90 this weekend that burned several cars in a parking lot that made me think about auto insurance coverage. I get this question a lot in my day-to-day routine and so thought I should share my opinion on the matter. First, how old your car is has no bearing in my opinion on whether or not you should carry comp and/or collision. The real question is if something happened to your vehicle, do you have enough money to go buy a similar replacement vehicl
Should I Increase My Horse's Insured Value?
You have taken the responsible step of insuring your prized possession - is it enough? There is no easy answer to this question. It's not like insuring your diamond ring which can be appraised and a specific value set, nor is it like insuring your car where the company has tools to know how much the car cost new and how much it has depreciated to help determine market value after it's been totaled. Equine mortality is designed to help you replace your horse should the unthi
Horse Insurance vs. People Insurance
Many people find horse insurance confusing because they are trying to think of it like they do their own personal health or life insurance. It has some similarities but also some big differences. First, everything starts with the mortality coverage. Before you can add medical or surgical coverage, you must first be insuring the horse against death. Some mortality policies also include coverage for theft within this. Mortality coverage is effectively life insurance on your