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Does homeowners insurance cover patio damage?

Personal property, both indoors and outdoors, is almost always covered by your homeowner’s insurance. Policyholders usually receive reimbursement for any ...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Do I have to provide insurance for my employees?

Technically, no business has to offer health insurance to their employees. However, under the Affordable Care Act (ACA), larger businesses with 50+ FTE em...

What is authorized authority in insurance?

Actual authority refers to specific powers, expressly conferred by a principal (often an insurance company) to an agent to act on the principal’s behalf. ...

What are insurance personal lines?

Personal Lines — insurance purchased by an individual (as opposed to an organization) to protect against personal risks. What is personal lines insurance ...

How long does a suspension stay on record?

It will stop showing as suspended as soon as the suspension is cleared. The fact that it was suspended will remain on the record for three to five years (...

What were the positive effects of the cotton gin?

Positive- The positive effects of the “cotton gin” was that it made producing cotton so much easier. Before Eli Whitney invented the “cotton gin”, picking...

What is the age limit for mortgage life insurance?

The term of a mortgage life insurance policy is usually either 15 or 30 years. However, if you’re over 50, you most likely won’t be able to take out a 30-...

Is a rebuilt title bad for insurance?

Besides being harder to insure, a car with a rebuilt title may have lingering structural damage that you can’t see, and you may not be able to get a loan ...

Who holds the title insurance policy?

The most common type of title insurance is lender’s title insurance, which the borrower purchases to protect the lender. The other type is owner’s title i...

Is a Category D car worth buying?

It generally means the vehicle has been lightly damaged but the financial cost of repairing the car outweighs its market value. Cat D status can sometimes...