The ValChoice blog is the best source for independent, unbiased consumer insurance information. Our information is unbiased and trusted because we do not sell insurance. Our mission is to help consumers get good insurance at a good value.
The leaves are turning. The days are getting shorter and the nights are getting cooler. It’s almost time to take the boat out of the water and wax the skis. Is your insurance prepared for the annual change of lifestyle that’s about to take place? This post covers the types of car insurance you […]
Many people buy earthquake insurance after an earthquake. In fact, unless you live on the shaking ground of California, few people buy earthquake insurance at all. Before deciding not to buy an earthquake policy you need to understand that your homeowners policy will not cover damage from an earthquake. August is national preparedness month. As August […]
When lightning bolts shatter the night sky with flashes of light and the thunder booms, I often find myself wondering “do we need a lightning rod on our house? I suspect many others that live in areas prone to thunder and lightning storms ask themselves the same question. Therefore, we decided to look into […]
When people think of home fires, images of California wildfires destroying everything in their path come to mind. However, the statistics of home fires paint a very different picture. In fact, the answer to the question “What can I do to avoid having a house” is that there are several steps you can take. Surprisingly, […]
Do you have liquid assets greater than the liability limit of your auto insurance or home insurance policy? If yes, you should have umbrella insurance. There are two reasons for this: The obvious point of protecting your assets. The less obvious point is to make sure your insurance company incentivized to protect you. You […]
In 2017 and 2018 wildfires ravaged the western states. Overall, losses from wildfires in each of those years was nearly 20 times that of other years. Fast forward to 2020, the wildfire season hasn’t even started yet and over a million acres have already burned in California. This has many homeowners asking, “how do […]
A tornado warning usually comes with only one days warning. This means now is a good time to make sure both your home and your homeowners insurance are up to date. This post covers the steps to take to make sure you’re ready before the next tornado warning Start by getting a rating on […]
With hurricane Laura pounding the Texas and Louisiana coast line, now is a good time to update everyone on flood insurance. While hurricane Laura is a terrible tragedy, let’s try to bring some levity to this bad situation. We’ll do that by starting off with a true, but rarely stated point about flood insurance. Flood […]
With Hurricane Laura approaching the gulf coast, many homeowners are wondering if they need hurricane insurance. Knowing that insurance can be confusing, ValChoice set out to make hurricane insurance easy to understand. The confusion is often due to how deductibles are handled. In many states, the deductible for wind damage related claims increases when […]
How do you make your insurance buying decision? If you’re like most people, you ask your friends and family, check a cost-comparison website and watch TV ads as a source for your short list. None of those sources provide a comprehensive view of how insurance companies handle claims and deliver service to their customers. […]
