Mark Romero - Home Insurance Expert

Turning 40 is a significant milestone and can impact changes in your life. These changes also occur when it comes to your car insurance policy. Many 40-year-olds benefit from affordable insurance premiums and discounts. Certain age groups are considered high risk for insurance companies. Young adults and new drivers tend to have higher annual premiums […]

UPDATED: APRIL 27, 2023

While buying a car can be complicated, especially securing a title and registering the vehicle, it gets even trickier if you try to buy a car without a license. Can you buy a car without a license? Yes, buying a car without a driver’s license is legally possible, but before you go into the process, […]

UPDATED: AUGUST 11, 2023

Flood coverage is essential to renters as it covers personal property damaged due to flooding. Flood damage is not typically covered under renters insurance, so you must add it to your policy. FEMA (Federal Emergency Management Agency) or a private flood insurance company can add flood insurance to your renters insurance policy. FEMA’s National Flood […]

UPDATED: JULY 06, 2023

With record-high temperatures and drought conditions on the rise, more than 4.5 million US homes fall under high or extreme risk of wildfire, according to Verisk Analytics. Fortunately, homeowners can protect themselves from these natural disasters’ financial impact with the right home insurance policy. Here’s a breakdown of wildlife insurance, how it works, and how […]

UPDATED: JULY 06, 2023

Gov. Gretchen Whitmer of Michigan and the Michigan Department of Insurance and Financial Services have amassed five million dollars for the Michigan Catastrophic Claims Association Fund in the past three years by passing auto insurance reform legislation regarding auto insurance. Starting March 9, 2022, Michigan auto insurance companies will begin issuing refund checks to Michigan […]

UPDATED: APRIL 27, 2023

Liability insurance is a type of coverage that protects policyholders from financial loss due to injury or property damage to others. This includes protection against bodily injury, medical expenses, death, and property damage claims. Most people have liability insurance in some form, but do you have enough on your insurance policy? How Much Liability Insurance […]

UPDATED: APRIL 19, 2023

In the event of a covered loss, it’s essential to have coverage that fully covers your property. This article will discuss the difference between Actual Cash Value and Replacement Cost and how they relate to insurance policies. Actual Cash Value vs. Replacement Cost Insurance In the event of a covered loss, it’s essential to have […]

UPDATED: APRIL 19, 2023

Suppose a home inspection has revealed that there’s asbestos on your property. In that case, it’s essential to take the proper steps to isolate or remove the material safely. Breathing in asbestos fibers can increase the clogging of the lungs and cause many breathing disorders. If not corrected, this could eventually lead to deadly mesothelioma […]

UPDATED: APRIL 19, 2023

Looking to your homeowners insurance to help you when problems arise in your home business seems natural. After all, you’re at your house, right?  In specific situations, homeowners insurance will protect your home business, but it’s not automatically included in a standard policy.  Like any other business, a home-based operation requires insurance to protect its […]

UPDATED: JULY 06, 2023

If you own a vacation home or any second residence, you want to protect that property as much as possible so that you can enjoy it for many years to come. As with your primary residence, a homeowners insurance policy is vital for a second home, no matter how often it’s visited throughout the year […]

UPDATED: AUGUST 10, 2023