A home insurance policy has many parts, and one important section is the “dwelling” coverage. Also known as “Coverage A,” this is the part of your policy that relates to home repair or rebuilding costs if your home is destroyed or damaged in a covered event such as fire, lightning, wind or hail. Your dwelling…

Some people forget that the ability to drive is a privilege and not a right. Risky behaviors on the road often result in accidents that harm not only drivers, but also passengers, pedestrians, pets, wild animals and property. Risky behaviors also increase the cost of your insurance. What do we consider risky? – Looking away…

At Affordable Insurance, we know that home, business and car owners in Aurora are budget-minded folks. After all, an emergency that causes extreme money stress can happen at any moment. To help our clients, we always try to find the best possible premium rates for their policies. We also know that policyholders who seek action-based…

Car insurance fraud affects almost every policyholder, and it ranges from providing false information to get lower premiums to staging car accidents for false injury claims. Unfortunately, crime gangs can carry out auto insurance fraud without your knowledge. Here are some ways you can protect yourself from car insurance fraud. Exchange contact details with the…

Choosing an auto insurance policy can be overwhelming. Between premiums, deductibles, and specific coverage options, you may not be sure where to start. One important consideration is that you and your assets are protected in the event of an accident. If the vehicle you are driving causes an accident, you may be liable for the…

A deductible is the amount of money that you (the car owner) are willing to cover upfront in case you file a claim. The lower your deductible, the higher your premiums will be since it shows you choose to accept less risk for your policy. To understand how this works, you need to know how…

It’s essential to have a decent auto insurance policy if you want the best coverage and affordable premium rates. However, you may make some mistakes when purchasing car insurance that may affect your claims process. Here are some mistakes you should avoid when getting auto insurance. Only buying minimum coverage Providing false information, e.g. about…

There can be a whole heap of reasons why people can find it difficult to secure affordable auto insurance. This might be due to previous problems such as DUI or license suspensions. It’s possible, for a wide range of reasons, that many auto insurance companies simply refuse to offer you a policy. It might even…

At Affordable Insurance, we recognize that some people consider insurance agencies no longer necessary for affordable insurance and high-quality coverage because of modern technological and communication advances. Non-local companies insist that consumers can receive the same care and consideration as they would through an in-person agent when seeking answers and submitting claims over the phone…