Douglas Cartwright's (dcartwright) Blog

There is much confusion about what is the right type of life insurance. Is it term insurance? What is term insurance? Simply stated it is life insurance for a specified period with a face value of your choosing. There are one, five, ten, fifteen, twenty, twenty-five, 30 year term policies and som...

What type of insurance do you need? An "regular" homeowners policy? A "deluxe" homeowners policy? What is the difference? Do you need jewlery riders? Riders for your coin collection or art collection? Do you need flood insurance? Whatever insurance questions you have, I will provide you the answe...

Not all policies are created equally. The are standard homeowners policies HO-3 that provide basic protection against fire or theft losses. Then there are riders that will increase coverage to include guaranteed replacement cost for the dwelling and contents. Do you need a valuable articles rider...