Is Pet Insurance Worth It In 2021? (Plus Rates & Tips)

Well, keep reading: In this post today I am going to explain to you why pet insurance is worth it, how to get out of the procrastination of purchasing it, and where you can get some affordable pet insurance quotes. “In Plain English” – Pet insurance is health insurance for your pet. Pet insurance functions just … Read more

Eighth Circuit Affirms Finding of Bad Faith, Award of Costs and Prejudgment Interest

    The Eighth Circuit affirmed the district court’s finding of bad faith and award to the insured of taxable costs and prejudgment interest. Selective Ins. Co. v. Sela, 2021 U.S. App. LEXIS 26062 (8th Cir. Aug. 30, 2021).      The insured suffered two hail storms that damaged his home. In 2010, the first … Read more

HO3 vs HO6 Home Insurance Policy // What’s The Difference?

There are only a few types of policies that are actually for your home and learning how they work isn’t hard. In this post today, I will go over the differences between HO3 and HO6 homeowners insurance, how they work and how to choose between the two. What’s An HO3 & HO6 Insurance Policy Before we can … Read more

Portion of COVID-19 Claim Survives Motion to Dismiss

    While the insured failed to demonstrate direct physical loss, Crisis Event coverage was still possible. SJP Investment Partners LLC v. Cincinnati Insurance Company, 2021 U.S. Dist. LEXIS 162612 (N.D. Ala. Aug. 27, 2021).     The insured owned a hotel in Birmingham. The state’s public health orders limited operations and caused temporarily closures … Read more

We’re headed to the Insurance Leadership Forum with some big news…

CIAB’s Insurance Leadership Forum kicks off tomorrow in Colorado Springs and our team is looking forward to spending time with our agents in attendance. This year is especially exciting for us as it comes on the heels of a major announcement about where Central is headed in the months and years ahead as a part … Read more

Colonial Penn Life Insurance Review For 2021 + Sample Rates!

Pros Fast, free quotes Lenient health coverage No medical exams Term policies cover up to age 90 Cons Confusing coverage terminology Below-average customer service Relatively high premiums Who Is Colonial Penn? Colonial Penn Life Insurance is the brainchild of Leonard Davis, co-founder of AARP, who started the company in 1968 in Philadelphia. Davis used Colonial … Read more

"Your Product" Exclusion Bars Coverage

    The insurer’s motion for summary judgment was granted based upon the “your product” exclusion. Lacaze Land Dev. v. Deere & Co., 2021 U,S. Dist LEXIS 162175 (W.D. La. Aug 26, 2021).     Lacaze filed suit against John Deere, the supplier of a compact loader, skid steer and mulching head, W.L. Doggett L.L.C., … Read more