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Brandy Law

CIC, property and casualty licensed agent

Brandy has been in the insurance industry for over 14 years. In addition to being an insurance guru, she has been writing all of her life. Writing is her passion and never feels like a job to her.

  1. What Is Gap Insurance?

    A gap policy pays out in the event of a total loss when you owe more than what your vehicle is worth. Learn how gap coverage works.

  2. What Is a Deductible?

    A deductible is the amount you must pay before insurance coverage kicks in. Read on to learn which types of policies have them and how they work.

  3. Does Homeowners Insurance Cover Water Heaters?  

    A standard homeowner’s insurance policy will pay for damages to your home from a water heater due to a covered event. Learn when these damages are covered and what your other options are when they aren’t. 

  4. Understanding Subrogation in Insurance

    Subrogation is a legal process in which your insurance company seeks reimbursement from an at-fault party for claim expenses it has paid you. Learn how subrogation works.

  5. What is Blanket Insurance?

    Stay protected from unseen events with an insurance blanket policy. Learn why it’s beneficial, its coverage, and how to purchase the best policy.