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What does HOA condo insurance cover?

Homeowner Associations, commonly known as HOAs, provide hazard and liability insurance as part of your monthly dues. The policy covers common areas and sh...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Can you buy insurance on anything?

You can buy insurance on just about anything. Two policies issued by different insurers are rarely the same. Your age is often a big factor in the cost of...

Can you test drive a car that is not insured?

You can’t test drive a car without insurance and the police will not accept ‘I’m test driving a new car’ as an excuse for not having insurance. Most recog...

Is property a liability insurance?

Every state requires a driver to carry a specified minimum limit of liability coverage. States generally require property damage liability coverage and bo...

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...

Does my health insurance cover me in another country?

Will My Health Insurance Cover Me When I Travel Abroad? Unfortunately, most domestic health insurance policies don’t provide coverage outside your home co...

What are the teachers privileges and benefits?

The Privileges of Public School Teachers Teachers as persons in authority. This means that teachers cannot be attacked physically when performing their du...

Can a total loss claim be denied?

Can an insurance company deny a claim? Yes, they can and do deny claims on a regular basis. If you are caught in the unfortunate situation of having to fi...

Does homeowners insurance cover roof damage from wind?

Is Wind Damage Covered by Home Insurance? Yes, as noted above, homeowners insurance typically covers most types of wind damage. Usually, the dwelling cove...

What are the 3 main endorsements?

There are three main types of endorsements: Blank endorsement. The term “blank endorsement” can be confusing because it doesn’t mean that an endorsement i...