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What is usually included in a basic homeowners insurance policy?

What is covered in a basic home insurance policy? Each standard home insurance policy includes dwelling coverage, other structures coverage, personal prop...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

How does self funding insurance work?

A Self Funded, or Self-Insured plan, is one in which the employer assumes the financial risk for providing health care benefits to its employees. Typicall...

Do you have to pay for car insurance without a car?

Yes, you can get car insurance without a car. You can buy non-owner car insurance which will provide your state minimum car insurance coverage as long as ...

Is rental property insurance claim taxable?

A casualty gain is taxable income. However, the property owner need not pay tax on the gain the year it is received if the owner replaces the destroyed pr...

Is house Leveling covered by insurance?

Is restumping covered by home insurance? Usually, houses need restumping due to age, termite damage, or soil movement. In those cases, it’s unlikely your ...

How do I get a title insurance license in NY?

To qualify for a license, the licensing candidate must meet the following prelicensing requirements: complete a Department approved prelicensing education...

What is meaning of utmost good faith?

The doctrine of utmost good faith, also known by its Latin name uberrimae fidei, is a minimum standard, legally obliging all parties entering a contract t...

Is insurance more expensive on old cars?

Do Older Cars Cost More to Insure? Your rates for comprehensive coverage or collision coverage on an older vehicle may be lower than what you’d pay for th...

How does insurance work with hitting someone?

The collision coverage component of your auto insurance protects you if you get into an accident, no matter who is at fault. If someone hits your car and ...

Can you get car insurance without a license in Florida?

If you do not have a valid driver’s license, it can be difficult to purchase auto insurance. However, you may be able to get coverage if you include someo...