April 15, 2025
AgencyHow to Create a Home Inventory List for Your Renters Insurance
Creating a comprehensive home inventory is crucial for renters to ensure adequate protection under their renters insurance policies. A well-documented inventory helps determine the appropriate coverage amount and streamlines the claims process in the event of loss or damage. Here’s a guide to help you craft an effective home inventory. Choose Your Inventory Method Decide […]
March 28, 2025
AgencyDoes Renters Insurance Cover Water Damage and Leaks?
Standard renters insurance policies typically differentiate between sudden and accidental water damage versus gradual damage or flooding. Your policy might help cover damage to your personal belongings from sudden incidents like a burst pipe, overflowing appliance or water from extinguishing a fire. For example, suppose your upstairs neighbor’s bathtub overflows and damages your furniture. In […]
February 20, 2025
AgencyCan Roommates Share a Renters Insurance Policy?
When living with a roommate, sharing expenses is a common practice to save money. One question that often arises is whether roommates can share a renters insurance policy. While this might seem like a straightforward way to cut costs, there are several factors to consider, including eligibility, coverage limits and potential liabilities. Understanding the pros […]
January 30, 2025
AgencyRenters Insurance in Richmond, VA
Think all your belongings in your rented space are covered by your landlord’s policy? Think again. At Latinos Services, we understand the importance of helping Richmond renters understand what coverage they need to help secure their possessions and peace of mind. What Is Renters Insurance? Renters insurance is specifically designed to help address risks that […]
December 26, 2024
AgencyWhat Is GAP Insurance?
Guaranteed asset protection (GAP) insurance can be an essential financial safeguard when you buy or lease a new vehicle. GAP insurance may cover the difference between what you owe on your car loan and the car’s actual cash value (ACV) if it’s totaled or stolen. Because cars depreciate quickly, standard auto insurance may not pay […]
November 8, 2024
AgencyWhat to Do After a Car Accident: Navigating Your Auto Insurance Claim
Your auto insurance can establish and cultivate your financial security even after serious accidents or other incidents involving your vehicle. However, while your policy can provide financial aid to limit out-of-pocket losses and expenses that might otherwise destabilize your fiscal situation, you must understand how to navigate the claims process. How to Handle an Auto […]
October 27, 2024
lsadminTypes of Discounts That May Be Available for Your Auto Insurance Policy
One of the best ways to save money is by taking advantage of available auto insurance discounts. Many insurance companies offer various discounts that can significantly lower your premium. Here’s a breakdown of some typical discounts you might be eligible for. Good driver discounts—You could qualify for a good driver discount if you maintain a […]
May 1, 2024
AgencyWhy You Should Work With an Independent Insurance Agency
Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]