Mark Romero - Home Insurance Expert

Yes, a homeowners insurance policy covers a lightning strike and the damage caused by lightning. The home insurance coverage includes your dwelling, other structures, trees, personal property, and additional living expenses. Standard homeowners insurance policies will cover lightning strikes as a standard peril. How a lightning strike is covered under a home insurance policy Homeowners […]

UPDATED: AUGUST 26, 2023

As of 2022, over ten states have legalized the use of recreational marijuana. Studies have shown that in those states, 3 in 5 drivers are now driving while impaired with marijuana in their system. Questions abound regarding this issue. Is it safe to drive using marijuana? How long should you wait before going? Have accidents […]

UPDATED: APRIL 27, 2023

If your vehicle is stolen or totaled, your insurance provider pays out the depreciated value of your vehicle in a claim. The depreciation value is determined at the time of loss and might be less than the amount you owe on your car loan. That’s where gap insurance comes in. GAP or Guaranteed Asset Protection […]

UPDATED: APRIL 27, 2023

One of the top car insurance claims is a windshield replacement. Many things cause damage to the windshield of your car. Debris from other vehicles and construction trucks on the highway causes significant damage when driving 80 miles per hour. Just one tiny pebble has the potential to crack your windshield. That’s why glass coverage […]

UPDATED: AUGUST 07, 2023

Sinkholes aren’t necessarily something you have to worry about until a sinkhole collapses. No one wants to think about something like that occurring, but it does happen, and you don’t want to be in a position where it does happen and you don’t have sinkhole insurance coverage. Sinkholes don’t happen overnight. It usually takes some […]

UPDATED: APRIL 27, 2023

How many miles you drive and the distance traveled over a year can impact your insurance premium price. Insurance companies look to this detail when they quote a price for your premium. Low-mileage drivers can avail of low-mileage discounts. Low-mileage or infrequent drivers are seen as low-risk. Read on to see how your mileage affects […]

UPDATED: APRIL 27, 2023

What is required for minimum car insurance varies from state to state. Your friends’ coverage and limits in different states might not be the same in your state. We have put together everything you need to know about the mandatory car insurance coverage requirements. Mandatory Car Insurance Coverage Requirements By State Five different types of […]

UPDATED: APRIL 27, 2023

Buying a car is challenging with record-high inflation, increasing interest rates, and support shortages. New and used car prices have skyrocketed since the pandemic, and now with rising gas prices, buyers have limited choices for affordable vehicles. Let’s examine why car prices are high and how you can find the best deals on new and […]

UPDATED: AUGUST 11, 2023

While we strive hard to protect our lives and our families while on the road, there may still be drivers that aren’t protecting lives while driving. On average, 29 people die daily in the US because of driving while drunk. Below we’ll review some startling drunk driving facts in the United States. Drunk Driving Rates […]

UPDATED: APRIL 27, 2023

A standard homeowners insurance policy covers personal property theft inside and outside your home. If someone steals your personal belongings from a hotel room or your home, homeowners insurance helps replace stolen items. A homeowners insurance policy’s coverage includes vandalism and paying for repairs if someone breaks into the home. Homeowners insurance coverage for theft […]

UPDATED: APRIL 27, 2023