Since 2000, home insurance prices have increased faster than what consumers pay for their health care. Our mission is to help you find the best coverage and protection at a fair price. We do not sell insurance or get paid on the sale of insurance. We’re here to look out for you, the consumer.
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 […]
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. […]
There’s nothing like a pandemic to make us realize how important it is to be prepared. Five months into the pandemic, and September being National Preparedness Month (NPM), there’s no time to start preparing like now. The 2020 theme for National Preparedness Month is: Disasters Don’t Wait. Make a Plan Today. In support of […]
An insurance company that resists paying insurance claims is not an insurance company. Instead, they’re an investment firm that takes your premium dollars, invests the money and pays the interest and dividends — on your money — to their investors. Unfortunately, many people buy insurance from investment firms. But how do you know if […]
