Blog | CB Chambers Ins

Michael Chambers Heer

What Is an HO-6 Insurance Policy? - Condo Unit Owners Policy vs Master Condo Policy

If you own or are purchasing a condo, you need a Condo Unit Owners insurance policy also known as an HO-6 policy. This policy will...

Michael Chambers Heer

Neptune Private Flood Insurance vs FEMA Public Flood Insurance (NFIP)

What is Flood Insurance? A flood insurance policy protects your home against damage caused by flooding. Flood insurance covers the cost...

Michael Chambers Heer

Do I Need an Umbrella Insurance Policy?

If you are reading this, chances are you need an Umbrella Insurance Policy. An Umbrella is a supplementary liability insurance policy. It...

Michael Chambers Heer

Insurance Premiums Are Rising Faster Than Inflation

Supply chain issues, prices of materials, and climate change are all driving costs up. House fire near Woodley Park, Washington DC. Photo...

Michael Chambers Heer

Personal Liability vs Personal Injury: What's the Difference?

What’s the difference between personal injury and personal liability? They might sound the same, but they aren’t. We often see...

Michael Chambers Heer

Why You Need Auto Insurance Even If You Don't Own A Car - Named Non-Owner Auto Policy

It's becoming more common to give up your car, especially if you live in a city with good public transit / car-sharing options. So you...

Michael Chambers Heer

Occurrence vs. claims-made insurance: Why it matters

By Harry J. Lew, Insureon Contributor For small business owners, it’s important to understand the difference between occurrence vs....

Michael Chambers Heer

What Is a Deductible and Which One Should I Choose?

The deductible on your insurance is the amount of money on an insurance claim you would pay before the insurance company pays. It's what...

Michael Chambers Heer

What You Need in a Homeowners Insurance Policy

If you own a home or are buying a home, you will need homeowners insurance. It will protect you against fire, theft, wind damage, broken...