John M. Biggio Lighthouse Weekly - Issue #7

Article of The Week

With most home insurance, you are required to prove that your personal property claim happened due to one of the named perils listed on your policy. However, there are premium policies where the only way you won't get reimbursed for personal property damages is if the peril is specifically exempted from your policy.
With HO5 Insurance, You're In Charge

Automobile

According to the Insurance Institute for Highway Safety, 16-year-olds are the riskiest drivers on the road -- and the most likely to get into car accidents. So it shouldn't come as a big shock that adding a teenage driver to your automobile insurance policy will cause your insurance premiums to rise. Click through to find the biggest issues facing parents of teen drivers.
Top Reader Questions About Insurance For Teen Drivers

Homeowners

The basic goal behind buying insurance is to make you financially whole following a loss. You agree to pay a (relatively) small fee to an insurance company today, causing a small but certain loss to you now, in exchange for a guarantee from the insurance company that it will bear the burden of a large but uncertain loss in the future.
The Importance Of Property Insurance

Commercial Line

The April 2011 wildfires in Texas left millions of dollars in property losses in their wake -- as well as untold devastation for homeowners, renters and businesses. Yet the right insurance coverage and property modifications can help business owners rebuild and bounce back.
A Business Owner's Guide To Wildfires