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How do insurance excesses work?

If you need to make a claim on your car insurance, the excess is the amount you agree to pay towards the claim. It’s made up of two parts – compulsory and...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Does homeowners insurance cover main water line?

Most homeowners insurance policies will not cover water line breaks unless a line has undergone sudden, significant damage. If a water main breaks, your c...

How do I choose a Medicare agent?

You should pick a broker or agent with solid experience selling Medicare plans in your state. Ask your family members and friends for referrals. When inte...

How long do I have to file a property insurance claim?

Typically, homeowners have one year to file a claim, but this can vary significantly. In some states, you may have two years—or even up to six years—to fi...

Do life insurance companies screen for drugs?

Life insurance companies test for prescription drugs and illegal drugs. If they find certain drugs in your system, your application for coverage could be ...

Can a life insurance policy be paid by a deceased person?

Updated November 11, 2019. Is life insurance part of an estate and available to pay a deceased person’s bills? It depends on whether the life insurance po...

Does insurance cover mice damage?

The good news is that your auto insurance may pay for the rodent damage. Most insurers provide coverage under comprehensive auto policies if animals such ...

Do speeding tickets go away Washington State?

In Washington State, once a speeding ticket is on your driving record, it will remain there for 3 years. Even if you have maintained a clean driving recor...

Can an uninsured driver drive an insured car?

No, it is illegal for an insured driver to be driving an uninsured car because insurance is tied to the car and not the individual driver. Driving a car w...

What is PIP and how does it work?

PIP insurance is a form of auto insurance coverage that’s often referred to as “no-fault” insurance. It’s mandatory in 15 states, and it pays personal inj...