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Does home owners insurance cover water leaks?

The key thing to note with water damage under a home insurance policy is that the incidents must be sudden and accidental. A typical home insurance policy...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What is the difference between commercial plates and regular plates?

What’s the difference between a commercial plate and regular plates? Commercial license plates are used to help differentiate vehicles used for business p...

Do insurance companies try not to pay out?

Your insurer must give you a reason for refusing to pay your claim. If you think your insurer is being unreasonable in refusing your claim, you can try to...

Does 1 DUI ruin your life?

A DUI does not have to ruin your life. If you get a lawyer, fight your case, and negotiate a good deal, you may be able to go on with your life with relat...

Are owners exempt from workers comp?

But even though most states require all employees to be covered, a few worker categories are exempt. Also, certain types of business owners – sole proprie...

Does life insurance pay double for accidental death?

As most AD&D insurance payments usually mirror the face value of the original life insurance policy, the beneficiary receives a benefit twice the amou...

What does basic life insurance typically cover?

Life insurance pays out the death benefit to your beneficiaries for most causes of death. Illness, suicide, accidents, and death by natural causes are all...

What happens when you reject an insurance settlement offer?

Once you reject a settlement offer, the offer is off of the table. You only get one chance to accept or reject a settlement offer. If you reject it, you c...

What do insurance companies consider when they determine your premium How can you get the lowest premium on your car insurance?

Your driving record – The better your record, the lower your premium. If you’ve had accidents or serious traffic violations, it’s likely you’ll pay more t...

Is your insurance valid with an expired license?

Not only can you be fined and receive a criminal record, but the offence is usually charged alongside the offence of driving with no insurance, as an expi...