Articles Index
Does Your Insurance Cover an Air Ambulance?
Will your insurance company pay for your emergency trip to the hospital by an air ambulance? Some insurance companies have a little coverage but many patients are getting stuck with a large bill.
Sinkholes and Homeowners Insurance
Sinkhole insurance is usually required for the mortgage on homes in areas prone to sinkholes. Learn what signs to look for and when to contact your insurance company if you find sinkhole activity.
Insurance 101 - The Insurance Basics You Need Covered Now
Just getting your first home and car insurance? Moving out on your own? Need to know just the facts to get yourself covered? Insurance 101 is the place! Scroll through the most popular insurance categories and find informative articles on affordable health insurance, gap insurance, umbrella insurance and car insurance along with the other insurance basics to get you adequately covered now.
The Employee's Guide to Health Insurance and Benefits
Now that you have the job, next you need to decide on your health insurance and other employer benefits. Here are some resources that will help you understand your employee health insurance options along with some info on other benefits you may be offered through your job such as supplemental health insurance and life insurance.
10 Key Considerations When Comparing Health Care Plans
Having to choose between multiple health care plans can be a daunting task. Here are 10 key areas to consider when you need to find the best health care plan for your needs.
What You Need to Know About Universal Life Insurance
Along with providing a death benefit, universal life insurance also incorporates a savings vehicle. In short, it is like combining a term life insurance policy with a tax-deferred interest accumulating savings account.
Membership Organizations and Health Insurance
Are you self-employed, home based, or a writer? Are you looking for discounted group health insurance? Most people obtain health insurance coverage through their employer. This leads to a lower insurance premium because the risk is spread out among the group of members. Not employed? You may still be able to benefit from group health insurance through a membership organization even if you do not work.
Mobile Home Insurance: Do You Need It?
Choosing a mobile home insurance policy does not have to be a hard task. Guest author Dan Seitz has provided this article on mobile home insurance to help explain the differences in mobile home insurance and homeowner insurance along with coverage options and cost concerns.
Homeowners Insurance and Sudden Water Damage
Sudden water damage in one's home can be devastation. Not having the right homeowners insurance coverage for sudden water damage can make it even worse. Learn about what sudden water damage in homeowners insurance covers and does not cover so you can be prepared.
Water Damage to Your Home
There is a lot of confusion about what types of water damage is covered under a home insurance policy. With so many home insurance mold claims being denied, home owners are left with a lot of questions when it comes to water damage to their home. Let's take a look at what types of water damage is covered under your home insurance policy and what to do if water damage happens to your home.
About Worker's Compensation Insurance
If you have ever had a job, you have probably heard of worker's compensation insurance. Maybe you have even received worker's compensation benefits from your employer. Most employees don't even think much about the worker's compensation insurance that their employer provides but that can be a big mistake for employees.
The Extra Car Insurance Coverages
Would you like cream and sugar with that? Getting extras is nice and there are extras available in car insurance. Extra car insurance coverages such as roadside assistance and collision deductible waived can help one who wants to have it all get it all with their car insurance.
Insurance Commissioners Quick List
Quick list of your state insurance commissioner's website. Just click on your state to view your commissioner's page and view phone numbers easily.
When You Need to Flile a Life Insurance Policy Claim
After a loved one dies, contacting the life insurance company and filing the life insurance policy claim can be confusing and difficult. Find out here what simple steps to take to file a life insurance policy claim and find out who to contact if you cannot find your loved one's life insurance policy.
Car Accidents 101
Be prepared when you have that car accident. Having the right insurance from the start, knowing how to avoid a car accident, knowing what to do if a car accident happens and knowing how to handle the car accident claim are how one prepares for a car accident.
State Financial Responsibility Laws
All states have car insurance requirements. These are called financial responsibility laws. These state insurance laws protect all drivers on the road. Lets take a look at some common questions about state car insurance financial responsibility laws.
High Risk? State Insurance Pools Good for Short Term Health Insurance
A large majority of states offer risk-pools to help those who may not be able to have or afford health insurance coverage because of their physical condition. It is not cheap health insurance but can be a way to obtain short term health insurance for some.
I Had a Car Accident - Now What?
Do you know what information to obtain after a car accident? Here you can find an outline of what procedures to follow after a car accident to ensure you are treated fairly.
Top Four Ways to Avoid a Car Accident and Keep Your Insurance Premium Low
Want to keep your car insurance premium low? One way is to not get into a car accident. Of course not all car accidents can be avoided but many can. Here are the top four ways to avoid a car accident and keep your car insurance premiums low.
About Indemnity Health Insurance Policies
Unlike HMO and PPO health insurance plans, most indemnity policies allow you to choose any doctor and hospital that you wish when seeking health care services. Indemnity plans are considered fee-for-service health insurance plans. Indemnity health insurance plans offer more flexibility in services, but sometimes that comes with an extra cost. If you have the opportunity to choose an indemnity policy for health insurance, here are five important points to remember.
Do I Really Need Disability Insurance?
Disability insurance can play a crucial role in keeping you financially afloat if a disabling illness or injury strikes. But a survey by The Consumer Federation of America and The American Council of Life Insurers found that 82% of people do not have long-term disability insurance or believe their coverage to be inadequate.
Should You Raise Your Minimum Car Insurance Liability Limits?
Liability car insurance is one part of your car insurance policy. It is meant to protect you if you are found liable or responsible for something. Unfortunately, many choose the legal minimum liability insurance to try and save money but this, in most cases, is a bad idea. Considering how much it costs to have a lawyer and go through court, do you trust your minimum car insurance liability?
How to Hire a Contractor for Your Insurance Claim
When it comes time to file your homeowners insurance claim, it is important to find a fair and reputable contractor. Unfortunately there are contractors that prey on people’s fears and anxiety of what has just happened, especially when there is a large disaster area involved. Here is a recommended list of 6 steps to take in order to protect yourself and find an honest and legitimate contractor.
What Car, Life, and Travel Insurance Do You Really Need?
One important way to reduce your overall insurance costs is to avoid purchasing insurance policies that you do not need. So, which car insurance, life insurance, and travel insurance policies are not needed?
5 Steps to Filing Your Auto Insurance Claim
Five basic steps in filing your auto insurance claim: From deciding if you should file to expecting the call from the insurance company, learn what steps you need to take to file a successful auto insurance claim.