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When you think of condo insurance, what do you think of? If you think that condo insurance will pay for any loss dues to damages or theft, then you are right. But do you know how much the insurance company is going to pay you? What you need to understand is there are two types of condo insurance in Dallas, one that pays for the current value of things and the other that pays for the actual cost that you paid. Both of these insurance policies are good but they have their pros and cons as well.

The first type of condo insurance is the one where all the items listed on your item list will be paid to you based on current value. What this means is that if you had gold, electronics and clothing in your condo and it was all taken by thieves, then you will be paid the current price of gold, the current retail price for the electronics and whatever the insurance company can come up with for your clothing. Read more…

Tags: Condo Insurance

After Carolyn Collins, 76, recovered from heart surgery in 2010, she started taking a weekly Zumba class to get back in shape. And as soon as her doctor cleared her to drive, she signed up with an occupational therapist for some behind-the-wheel coaching.

Many older drivers are taking preventive measures to avoid the awkward conversation with concerned family members about giving up the car keys. They are monitoring their own driving decisions, noticing their impairments and making adjustments, according to a three-year study by the Insurance Institute for Highway Safety of 1,437 drivers 65 and over. Researchers believe their efforts, coupled with safer vehicles, are contributing to declines in accident rates.

“Older drivers as a group have become safer,” says Anne McCartt, the institute’s senior vice president, research. Read more…