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The Hosto Blog

our resource for anyone looking to purchase insurance

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What is the standard deductible for homeowners insurance claims?

A homeowners insurance claims standard deductible is the amount the homeowners have to pay before the insurance pays for the rest of the damage. Generally, a low deductible means high premiums, and a high deductible means relatively lower premiums.  The deductible is separate from the premium. The premium is the amount paid to purchase insurance.

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When should I get homeowner’s insurance?

Thinking about buying a home and wondering “when should I get homeowners insurance?”. Homeowner’s insurance is a critical piece of the pie for any homeowner. It is usually required if you are in the process of paying off your home. Much like medical insurance or vehicle insurance, it covers damages that the average person would

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What Will Car Insurance Cover?

If you are shopping for auto insurance, you may be wondering: “what will car insurance cover?’ A car insurance policy is made up of different coverages, some of which are required by law in Illinois. Others are optional but you may wish to include them to ensure you are protected against any accidents. Illinois is

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getting car insurance

What Should I Know Before Getting Car Insurance?

Car insurance can be confusing, even for people who have had it for a long time. The most important thing to do before getting car insurance is to understand the different types of coverage available and how much that coverage will cost. Once armed with the correct information, it is much easier to make decisions

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What Kind of Cars Are More Expensive to Insure?

There are a lot of factors to keep in mind when purchasing a vehicle, and one question you may be asking is: “what kind of cars are more expensive to insure?”  Some cars are  more expensive to insure than others and there are a variety of reasons for that. More expensive cars tend to attract

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calculating cost of car insurance

Is There Any Way To Lower The Cost Of Car Insurance?

Multiple different factors affect the amount you will pay for the cost of car insurance. If you are trying to lower the cost of your car insurance, you will want to keep these factors in mind. Some you won’t be able to change, while others you may be able to reduce. It’s worth noting that

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