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Protect Your Home and Finances: Understanding Home Insurance Coverage | Find out what home insurance covers and how to get affordable coverage for your property

Home Insurance Explained: What You Need to Know to Protect Your Property

E-Insurance Admin2 years ago

403

A home is one of the most important assets most US residents strive to own. According to Forbes, Americans pay...

Protect Your Business with Commercial Auto Insurance | Find the Best Coverage for Your Vehicles | Learn Who and What is Covered | Get Affordable Rates

Who Does Commercial Auto Insurance Cover

E-Insurance Admin2 years ago

112

Commercial auto insurance provides coverage for business vehicles. It helps protect small businesses from financial losses due to accidents, damage,...

Health Insurance: Types, Coverage, and Tips - How to select the right one for your needs, with expert tips and advice from an independent insurance agent.

Health Insurance Coverage: Types of Plans and How to Decide

E-Insurance Admin2 years ago

256

The US has one of the most expensive healthcare systems in the world. According to the American Medical Association (AMA),...

Top 10 Commercial Insurance Products to Protect Your Small Business from Emergencies" -Learn how these insurance products can safeguard your business from risks

Commercial Insurance

Comprehensive Commercial Insurance Solutions for Small Businesses

E-Insurance Admin2 years agoNovember 1, 2023

402

Small businesses face many risks that can threaten their operations and existence. For instance, fire burning down your assets. Or,...

Protect Your Business with Customizable Commercial Insurance Policies Find the Right Coverage for Your Business Get a Quote Today

Commercial Insurance

Understanding the Array of Commercial Insurance Types

E-Insurance Admin2 years agoAugust 21, 2023

406

Commercial insurance serves as a crucial shield, safeguarding businesses against unforeseen events like accidents, injuries, and disasters. It provides essential...

Everything You Need to Know About Life Insurance Coverage. Term vs. Permanent Life Insurance: Which is Right for You? Maximize Your Life Insurance Tips and Advice.

How to Choose the Best Life Insurance Coverage

E-Insurance Admin3 years agoAugust 21, 2023

119

Life insurance is a complex policy, and choosing the right coverage can be a challenge, especially if you don't know...

Top Safety Tips for International Travel: Avoid Scams and Stay Safe Abroad | Protect Yourself with these Expert Travel Tips

Life Insurance Travel Insurance

International travel safety tips

E-Insurance Admin3 years agoJuly 27, 2023

128

A trip overseas is one of the best ways to spend a summer holiday or vacation and experience new climates,...

Discover How Travel Insurance Can Save You Money and Hassle | Find the Best Coverage for Your Trip

Travel Insurance: Protect Your Trip and Save Money

E-Insurance Admin3 years ago

119

The summer season is marked with big-ticket trips, vacations, and multi-city luxury tours & cruises, both domestic and international. Often,...

Top Summer Road Trip Tips: Prepare Yourself and Your Car | Avoid Unexpected Road Trip Disasters | Stay Safe and Enjoy the Best Summer Road Trip Ever

Auto Insurance Life Insurance

Top Summer Road Trip Tips to Ensure an Unforgettable Adventure

E-Insurance Admin3 years ago

301

Summer is here! And, this is a great time to get away with your family and have fun in the...

Summer is a great time for road trips, vacations and so many other fun outdoor activities. That comes with the need for rental cars, especially if you don’t have a car. Or, when vacationing abroad or far from home where it may be a hassle to bring your own vehicle. That leaves many asking, “ Should I get rental car insurance?” In this guide, we walk you through insurance coverage on rental cars so that you can decide whether rental car insurance is worth it. Does My Auto Insurance Cover Rental Cars? First, does your personal car insurance cover rental cars? Yes, your normal car insurance covers rental cars for personal trips up to the policy limits, minus the deductible. But, if you're traveling for business purposes or overseas, your rental car won't be covered by your regular auto coverage. Comprehensive and collision insurance provides equivalent coverage for rental cars as long as your rental is of similar value to your own car. Liability coverage only pays for injuries and property damage you cause to third parties. It doesn't cover your own injuries or any damage to your rental. Does My Credit Card Cover Car Rental Insurance Yes, most credit cards provide coverage for rental cars. To qualify, the card has to be in your name, and you should use it to pay for the rental. Premium credit cards offer primary coverage and come with higher limits. The card can pay the entire claim without the need to file a claim with your insurer. Standard cards have lower limits and only provide secondary coverage. Your insurer pays out first before your card comes in to cover any extra costs. Rental Car Insurance Options If you decide that you need rental car insurance, there are four options depending on your needs: Loss Damage Waiver (LDW) A Loss Damage Waiver provides the same coverage as comprehensive and collision policies. It covers your rental against accident damages, total loss, vandalism, and environmental damage. Rental Car Personal Effects Coverage This protects your personal items and belongings if stolen from a rental car. You get similar coverage from a renters or homeowners policy, and may not need it if you have any of these. Rental Car Liability Coverage This is similar to your personal liability insurance and covers injuries and property damage you cause to third parties in an at-fault accident. I won't cover you or your rental. You don't have to buy it if you already have liability car insurance. Personal Accident Car Rental Policy This covers medical bills for you and any other person onboard in your rental car. It provides similar coverage you get from medical payments( MedPay) or personal injury protection (PIP). Is Rental Car Insurance Worth It? In most cases, you may not need to purchase rental car insurance as your regular auto policy or credit card will cover rental cars. However, there may be occasions when you may need to get rental car insurance, including: If you don't have comprehensive or collision insurance When traveling abroad or for business purposes where your regular auto policy won't cover you You don't have rental car coverage through a credit card Don't have your own car insurance or only have liability coverage When renting a luxury vehicle more valuable than your own car So, Should You Get Rental Car Insurance? Depending on the type of rental car insurance you want, rates may range from $13 to $60 per day. Thus, it can get expensive to buy rental car insurance and may end up doubling your rental costs. It may be cheaper to buy additional personal car insurance or increase your insurance limits if you don't have enough coverage. An independent insurance agent can help you decide between buying rental car insurance vs using your own personal insurance for car rentals.

Is Rental Car Insurance Worth It? Options and Cost

E-Insurance Admin3 years agoJune 29, 2023

411

Summer is a great time for road trips, vacations, and so many other fun outdoor activities. That comes with the...

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