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What are the two options of coverage available for a home insurance policy?

Most insurance companies will offer you a choice of two types of homeowners insurance policies – a cash value policy or a replacement cost policy. For mos...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Do I need to inform my insurance company if someone hits my car?

Yes – if you’ve been in an accident, you do have to tell your insurer. You should send your insurer a letter telling them what’s happened. But make it cry...

What does third party liability coverage mean?

Third-Party Liability Coverage — in general, any type of insurance covering the legal liability of one party to another party. For example, commercial gen...

What happens if someone is at fault in an accident?

If you live in a fault state, the person responsible for the accident will hold liability for anyone’s injuries. The other driver would file a claim with ...

Does canceling my insurance after a wreck affect my claim?

Generally speaking, your motor vehicle insurance policy is going to cover your claim if the policy was in effect at the time of the accident. As such, it ...

What is Zurich insurance known for?

Zurich is a leading multi-line insurer that serves its customers in global and local markets. With about 55,000 employees, it provides a wide range of pro...

Do I need both CTP and comprehensive insurance?

Every certified vehicle has to be covered by CTP insurance, whereas comprehensive car insurance is optional. CTP insurance only protects you from the pers...

What does an underwriter do for a title company?

A title underwriter is an entity that authorizes and issues authority for its agents (title agencies, like Cumberland Title), to write title insurance pol...

Should I be worried if I need a colposcopy?

Try not to worry if you’ve been referred for a colposcopy. It’s very unlikely you have cancer and any abnormal cells will not get worse while you’re waiti...

What life insurance policy is interest sensitive?

Interest sensitive life insurance is a form of permanent life insurance coverage that combines the benefits of whole life and universal life policies. The...