One question we often get asked at Chrinco is whether or not the homeowner should file a claim on their home insurance for a small loss. The short answer is – it depends. There are several factors to consider before filing a homeowners insurance claim. First, how high is your deductible. ...
Let’s say you’re sitting at a red light and someone runs into the back of your car and one of two things happens either the person who ran into you doesn’t have insurance or they left the scene of the accident. You call the police and file a report, but...
Everybody would like lower home insurance, right? The thing is most people have a possible solution just a phone call away and don’t even know about it. While many people living in the coastal regions of Florida have already taken advantage of this simple insurance rate reduction tool, the fact...
Sinkhole coverage in the State of Florida is an interesting coverage. It’s seemingly easy to understand what it covers….sinkholes….right? It’s actually a little more complicated than that. Sinkhole coverage is one of the few coverages that is potentially different than what most people perceive. When you think sinkhole, do you...
This is a great question and one I’ve heard countless times. While there is probably evidence to suggest that people driving in a red vehicle may be more prone to getting in an accident, the reality is that it’s not significant enough to factor into the insurance company’s rating models....
Many times people begin shopping for homeowners insurance without a plan. They pick up the phone, call a few companies and simply ask for a home insurance quote. At Chrinco, we believe in equipping insurance shoppers so they not only know what coverages to ask for but also how much...