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Archive | Consumer Insurance Information

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.

Buy Insurance Online

Should I buy insurance online?

  With an increasing number of online options, many consumers wonder if they should buy insurance online or through an agent. At ValChoice, our mission is to make sure consumers get the best possible protection and a fair price. Therefore, the answer to the question of whether to buy insurance online starts with a quality […]

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Image from the Loma Prieta earthquake in 1989 for the blog post on earthquake insurance

Do I need earthquake insurance? If so, how much?

  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 […]

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Home Lightning Strikes

Does my home need a lightning rod to protect from lightning strikes?

  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 […]

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car insurance protection and umbrella insurance

Should I buy umbrella insurance?

  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 […]

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image for blog post on what to do before a tornado warning

How do I prepare for a tornado warning?

  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 […]

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Flood Insurance

10 Facts About Flood Insurance, Without Drowning in Details

  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 […]

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