This is a premium based on the length of time the insurer was actually at risk. Usually it is used to describe the few days… Read More »PRO RATA PREMIUM EXPLAINED

Residential Area As with household insurance, your premium will be calculated based on the area you live in. Based on statistics compiled by insurance companies… Read More »VEHICLE INSURANCE

Cell Phones & Notebooks Be advised that cell phones & laptops and any type of electronic equipment have to be specified on your policy to… Read More »ALL RISK INSURANCE

Residential Area If you live in high risk areas, insurance companies will increase your premium accordingly. You would therefore pay a higher premium for the… Read More »HOUSEHOLD INSURANCE