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.
Do you wonder if your home insurance company will cancel coverage or deny a claim if you’ve told them a small fib about the property? The answer is that it is completely within their rights to do so. Furthermore, if you file a large claim is large — a situation where you really need […]
Fourth of July. What a great holiday. Family, friends, good food and drink. Here in New Hampshire we take our freedom seriously. Just how serious we are about freedom is best captured in our state slogan, “Live Free or Die.” Undoubtedly, being free, or dying, is a strong commitment to freedom. Are you getting a […]
Remember the roof repair that you needed to do last year? That roof leak may not have leaked for while now. That’s may not be because the leak went away. The colder weather of winter brings less rain in some parts of the country. Instead of dripping water inside your house, the area that […]
Summer storms aren’t a concern only for homeowners. Auto owners also need to be ready for summer storms. Progressive proved that point by reviewing its 2013 claims data and found 30 percent of wind and flood claims for the entire year occurred in June and July. Want to know what home and auto insurance should cost? […]
The advertisements claim hundreds of dollars of savings, just for auto insurance. Now the ads recommend you bundle home and auto insurance. Reportedly, the savings are even greater. Consumers know big insurance companies are marketing driven companies. So what can they believe? Should insurance be bundled? We break this down into the important elements […]
Hail pellets suddenly hitting the window can be kind of thrilling, until the hail pellets become large balls of rock hard ice. Surprisingly, the largest hail ball measured the U.S. was 7.9 inches in diameter. This dangerous ball of ice fell on Vivian South Dakota during a hail storm on July 23, 2010. This […]
It was a beautiful June morning in Sunnyvale, California. I was commuting to work by bicycle, like I often did. Suddenly, the car coming toward me hit the accelerator in order to make an abrupt left-hand turn in front of me. The drivers goal: make a left turn in front of me before I […]
With prices rapidly increasing due to inflation, do you wonder if it’s time to change home insurance companies? If so, your next thoughts are probably wondering a) how hard it is to change companies and b) to which company you should switch. Let’s start with how difficult it is to change. It’s easy. In […]
With insurance costs consuming a significant percentage of family budgets, people may ask themselves, “will my auto insurance company find out if I fib a little on what I tell them?” The answer is that if you make a claim, it is likely they will find out about the fib. Worse yet, the larger […]
Instead of a rating system, insurance buyers get cute jingles, silly ads and catchy phrases. Try to imagine a time in the future when the three (yes, only 3) largest auto insurance companies spend $5 billion a year promoting these jingles, ads and phrases. Don’t spend too much time imagining. It happened last year, […]
