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Personal Insurance: Most Popular Articles

These articles are the most popular over the last month.
Do You Know Your State's Minimum Car Insurance...
Here is a great state-by-state chart listing the minimum car insurance bodily injury and property damage liability limits. Also find out what the limits mean along with other helpful related links.
How to File a Poilice Report After a Car Accident
Filing a police report after a car accident is an important step in making sure all the details of the car accident are reported.
Just Bought Life Insurance? Here's How Much...
A life insurance agent's commission depends on factors such as the company's commission plan and how much life insurance the agent is selling. But, agents do make a substantial difference in commission on different plans...
What Every American Should Know About HIPPA Law
What is the HIPAA Law? How does the HIPAA Law affect me? How do I make sure my healthcare provider is taking steps to comply with the HIPAA Regulations?
5 Things Everyone Should Do After a Car Accident
Do you know what information to obtain after a car accident? An outline of what procedures to follow after a car accident to ensure you are treated fairly.
5 Important Facts About Indemnity Health...
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.
This Umbrella Protects You From Much More Than...
Does everyone need umbrella insurance? Do I need umbrella insurance? What is umbrella insurance? How much umbrella insurance do I need?
Should You Have More than One Insurance Plan?
It is important to know how the coordination of benefits provision works for those who are covered under more than one health insurance plan.
How to File a Health Insurance Claim in 4 Easy...
Sometimes, when you go to the doctor or other medical provider, you may be told that you have to submit your own insurance claim form. This means that the doctor or facility does not ask the health insurance company to pay for your bill and you must do so. If you have to file your own health insurance claim here are the steps you will need to take along with some helpful tips on submitting your insurance claim form.
Help! I Need Affordable Health Insurance
What do you do when you don't have a job and can't get affordable individual or family health insurance from an employer?
What Does it Mean to Have Comprehensive Car...
When is Comprehensive Insurance Coverage used and does my insurance deductible apply?
Do You Need a Supplemental Health Insurance Plan?
Aflac has made supplemental health insurance popular with their quirky duck. But what is a supplemental health insurance plan and do you need it?
Insurance Companies that Provide Domestic...
Here is a comprehensive list, by state, of insurance companies that provide insurance for domestic partners. Providers on this list are for individuals and companies looking for group health plans for themselves and their domestic partner and include various coverages such as medical, dental, and life.
Temporary Car Insurance: What Are the Options?
Need car insurance but only for a short period of time? Then you may want to take a look at a temporary car insurance policy. Temporary car insurance can be helpful for many reasons and getting temporary car insurance is possible.
How Worker's Compensation Insurance Works
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.
Where to Find Your State Insurance Commissioner
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.
Plastic Surgery Costs and What Insurance May...
According to the American Society of Plastic Surgeons, approximately 6.6 million Americans had plastic surgery in 2002. That comes out to a lot of money in doctor fees, so who is paying for plastic surgery costs? Who pays for plastic surgery costs depends entirely on your insurance company.
Do Your Kids Need Braces? Get This
If your children will soon need braces you will now want to start the search for a good dental insurance plan to help offset the costs of orthodontic care.
What's Really Covered by Your Home Owner's...
Whether you are searching for insurance online or with a local agent, here is what all those home owners insurance policy coverages really mean.
Is Water Damage Covered by Homeowners Insurance?
Sudden water damage in one's home can be devastating. Learn about what homeowners insurance covers and does not cover so you can be prepared.
Don't be Duped into Buying This Insurance
Gap insurance is a common purchase for new car loans and lease agreements. It is a great type of insurance that has helped many people not incur extra expenses when their vehicle was totaled. But, as with any insurance, gap insurance is not always needed. Unfortunately many consumers don't know their rights and often end up purchasing and paying for gap insurance without knowing it and maybe without needing it.
Homeowners Insurance Dwelling VS. Other...
When one purchases a homeowners insurance policy they usually don't understand fully how the coverages work until it is time to file a claim.
Avoiding High Insurance Costs by Self-Insuring
Having a nice insurance portfolio can give one a sense of peace and security that all their needs will be met if an unfortunate emergency arises. But all to often we don't have enough insurance due to the inability to purchase what we need because of the cost. If you have been looking for a way to purchase more amounts of insurance, more policies, or just cut your current insurance costs self-insuring may help.
Top Ways to Turn Your Current Car Insurance...
Are you getting cheap car insurance? Compare your car insurance policy with this list to see if you are getting all of the savings you are entitled to.
Do You Plan to Buy an RV?
The process involved to buy an RV, whether one is buying a Class A, B, or C used RV, a travel trailer, or any type of RV, should always include a large emphasis on purchasing the right personal property insurance protection for their RV. Even when one finds their perfect rig in their local Class A used motorhomes for sale listing, they will not have the perfect motorhome for them if they don't cover their RV properly.
Dental Insurance Waiting Period
It is important to understand the dental insurance waiting period. A dental insurance waiting period can vary between each dental insurance company. There are other things to consider when understanding the dental insurance waiting period.
Decoding the 3 Types of Managed Healthcare Plans
Managed Healthcare Plans are types of health insurance policies that help employers offer their employees discounted medical insurance services by negotiating reduced charges with hospitals and physicians. There are three basic types of Managed Healthcare Plans: HMO, PPO, & POS.
Top 10 Ways to Find Affordable Health Insurance
What do you do when you don't have a job and can't get affordable individual or family health insurance from an employer? Or, what about all the families that have jobs but still cannot afford the health insurance offered by their employers and can't find an option for affordable health insurance? There are affordable health insurance options out there that, in fact, many Americans have already implemented and are beating the rising battle against being uninsured.
Are Invisalign Orthodontics Covered by Dental...
Invisalign has become a popular choice instead of traditional braces. Some feel the Invisalign results are better than braces and there less problems with Invisalign treatments. There are many reasons why Invisalign has become popular but the cost still remains unpopular. Choosing the right dental insurance plan along with other payment resources can help one afford the Invisalign treatment.
Lifetime Maximum
Do you know your lifetime maximum benefit in your health insurance policy? Not having enough insurance available can be disastrous and everyone should look for a health insurance police with the highest, or even no lifetime maximum benefit.
Is Private Mortgage Insurance Really Necessary?
Private mortgage insurance has good and bad points, and there are ways to avoid paying it without putting down the required 20%.
Homeowners Insurance Peril
Get to know more about what a peril is and what types of perils your homeowners insurance covers. Having a good understanding of your homeowners insurance perils is important in making sure you have adequate homeowners insurance coverage.
How to Get Group Health Insurance Without an...
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.
Insurance Company Report Cards: What Grade Did...
An insurance company's financial strength is an important consideration when choosing a policy. By choosing a financially strong company you will have comfort knowing that the company will most likely be able to pay your claims or be able to pay your life insurance benefits.
What Happens During a Life Insurance Medical...
The primary reason life insurance companies need to administer medical exams is to judge how much premium to charge a potential policyholder.
Insurance Complaints by State
Do you feel your agent handled your insurance claim unfairly or possibly broke the law? You do have the right to file a complaint to your state insurance commissioner. Before you find that online insurance quote, know your rights.
How an Insurance Endorsement Provides Better...
Insurance endorsements are important additions to an insurance policy. It is important to understand how the insurance endorsement can change the policy.
Does Life Insurance Cover Suicide?
Each life insurance policy is different, but most contain a suicide provision depending on the death compared to the policy issue date.
Emergency Roadside Services Common Coverages
It can be an easy coverage to try and skip to save money on one's insurance premium but for most the savings just are not worth the risk of being stranded. The most common emergency roadside service coverages are worth paying a bit extra for and can save a lot of grief and stress over a small incident.
Coverage for Gradual Water Damage in Homeowners...
Damage and all of the destruction from the gradual water damage is rarely covered under a homeowners insurance policy.
The Two Top Illegal Immigrant Insurance Issues
An overview of the top two insurance issues for illegal immigrants and both sides of the debate on whether they should be available to illegal immigrants.
10 Kinds of Insurance You Don't 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?
What is Domestic Partner Insurance?
Finding an insurance company that will accept you and your domestic partner can sometimes be a lengthy, time consuming process.
Health Insurance 101
There are more choices than ever to find affordable health insurance. One can get their local phone book and search for insurance companies that provide health insurance coverage or one could get online and quickly find web sites that can provide a health insurance quote. But just looking for affordable health insurance coverage can lead to gaps in your health insurance coverage.
Insurance Binder
What is an insurance binder and why is it only temporary insurance coverage?
4 Things You Never Knew About Medical Deductibles
The health insurance deductible is something that most people have heard of before and may have some understanding of.
Part II: Help! I Need Affordable Health Insurance
What do you do when you don't have a job and can't get affordable individual or family health insurance from an employer? Or, what about all the families that have jobs but still cannot afford the health insurance offered by their employers and can't find an option for affordable health insurance? There are affordable health insurance options out there that, in fact, many Americans have already implemented and are beating the rising battle against being uninsured. Page 2.
Let Us Help You Make Sense of Your Health...
When searching for a health insurance plan or after one has already signed up, the plan terms, or descriptions of provisions and coverages can be hard to understand. When one is reviewing the terms they often confusingly say, “What does that mean?”
Understanding Medicaid and Medicare Insurance...
Medicaid and Medicare are government and state funded insurance programs that benefit low-income and the elderly. Find out more about medicare insurance coverage and medicaid information.
Gap Insurance Purchase
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What is an Insurance Grace Period?
Learn the definition of an insurance grace period, which can be as little as 24 hours or as long as 30 days. Get an example of an insurance grace period.
Should You Raise Your Minimum Car Insurance...
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?
Buying Renter's Insurance? 4 Things to Think...
Renter's insurance is not just for your property. Find out here why you need renter's insurance even if you have no property!
Tips for Choosing Affordable Motorcycle Insurance
Now that you have found the bike for you, it's time to get it insured. But, before you call just any insurance agent you will want to learn how the insurance company decides your rate.
The Top 5 Questions to Ask Yourself When...
Dental insurance can be an effective way to prevent damage to your teeth and gums, but when determining what dental insurance plan would fit you best, there are some questions you may want to ask yourself first before purchasing your next policy.
What You Should Know About Universal Life...
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.
Considering Long Term Care Insurance
If you acquire a long term illness or long term disability, do you want your relatives to pay for your care? If not, then long term care insurance may be a good choice for you.
Need Low Cost Life Insurance? This Might Be for...
Need low cost life insurance? Take a look at the budget friendly option of a term life insurance policy. Term life insurance policy premiums are generally much cheaper than cash-value policies (universal and whole), especially if you are young and in good health and a low cost term life insurance policy does exactly what you expect it to do by financially taking care of your beneficiaries if you die.
Dangerous Dog Breed? You May Be Refused for...
So what happens when insurance companies start classifying certain dog breeds as high-risk? Well, homeowners with those specific dog breeds may have a hard time qualifying for a homeowners insurance policy. Current policyholders may be paying more to own a high-risk breed or have to face the risk of possibly being dropped after a liability claim from a dog incidence.
HIPAA Definition of the Top Three Most Common...
After understanding HIPAA's definition and how it protects a patient's privacy one may be interested in learning about HIPAA's privacy exceptions. HIPAA's privacy exceptions give health care providers and others who are required to follow HIPAA an exception in some areas where they don't have to follow the rules outlined by the HIPAA law.
Buying Gap Car Insurance for Your Used Vehicle
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Getting the Renter's Insurance Company Working...
Just because the first renter's insurance quote you get is inexpensive, don't hesitate to shop around because you may be able to get a better deal.
How to File an Auto Insurance Claim in 5 Easy...
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.
Quick Comparison of 3 Types of Health Savings...
A health savings account supplements one's current insurance coverage. Here is information on which of the three health savings account is best for you.
How to Avoid Being the Victim of Car Insurance...
You were just in a car accident. You thought it was your fault so you file a claim. Could it really be an insurance scam? Maybe someone set you up in order to collect money from your car insurance. If you don't know then you need to learn more about insurance scam fraud protection.
Should You Have an Umbrella Insurance Policy?
Here is a quick list of information you will need and questions an agent is likely to ask when obtaining an umbrella policy.
Insurance Claims Adjuster
How does an insurance claims adjuster process and insurance claim? What about a public claims adjuster? The insurance claims process can seem complicated but knowing more about who processes insurance claims and how they do their job can help one understand the insurance claims process better.
Understanding Insurance Claims
Knowing more about insurance claims - whether car, homeowners or life insurance claims - before they are filed can ease the fears of the process.
Adding to Your Homeowners Insurance: Do You...
If you own certain expensive items, such as jewelry, Oriental rugs or home office equipment, more than likely you will need a rider on your homeowners insurance policy. A rider is like a mini-insurance policy added to your current home owners insurance policy and it will give added protection to certain items that may be excluded or have low limits on your home owners insurance policy.
Allstate Review
Allstate offer a wide variety of products and customers have access to local agents along with a user friendly website.
Confused by Your Health Savings Account? This...
Using a health savings account to supplement your current health insurance coverage is a great way to save money on your health care costs. Along with saving money on your health care costs, an HSA can help you get your money working by earning you interest. And, you can save your HSA money tax-free. Check out these Top 10 HSA Frequently Asked Questions.
What Does Gap Car Insurance Cover?
Learn what gap car insurance covers and excludes, and why it's important to have gap car insurance coverage.
Who Needs Life Insurance?
Life insurance is designed to protect your family and other people who may depend on you for financial support. If you die and lose your income, the people that are dependant on your financial support will lose that income, so life insurance can help cover some or all of that loss depending on the policy you choose. Here are some guidelines to help you decide if life insurance is the right choice for you.
When To Continue COBRA Insurance Coverage
Although continuing COBRA insurance coverage through one's employer is a good option for many, it may not be the best choice for everyone. Depending on one's health status, finding private insurance to fill the gap may provide adequate coverage without the costly price tag of COBRA insurance.
Insurance 101 - The Insurance Basics You Need...
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.
Gap Insurance and Your Leased Car
So you have decided to lease your car or may already have a leased car. You made sure you purchased the correct car lease insurance and your leasing insurance covers everything right? Unfortunately not.
Costs of Long Term Care Insurance
While long term care insurance might not be cheap, neither are the costs it covers. For most of us, the solution to all of this is to obtain insurance as early as possible when premiums are lower and before any pre-existing conditions arrive. But what is the solution when seniors are older and coverage is more expensive?
Replacement Cost
insurance glossary replacement cost
What are Aftermarket Parts?
When a vehicle is taken to the repair shop, the replacement parts used may include aftermarket parts. They are not made by the original manufacturer.
Short Term and Temporary Health Insurance
When one is looking for health insurance choices, there are a vast variety to choose from. Most people choose the health insurance from their employer or their spouse's employer. But, there are many unique lifestyle situations people face and that requires unique health insurance choices. Short term or temporary health insurance may be an option for some.
What is The Fair Plan?
FAQ: What is the Fair Plan? Personal Insurance.
Insurance Declaration Page
Most insurance policies have multiple pages. Filing through these pages to understand the basics of an insurance policy would be complicated. The insurance declaration page simplifies this process by giving the insurance policy holder a basic overview of their insurance policy.
Know What Your Homeowners Insurance Covers
Do you know what your homeowners insurance policy covers? Knowing is valuable. Once a claim is filed it is one of the worst feelings realizing your home was not properly covered.
Health Insurance Waiver
The definition of a health insurance waiver is the ablilty one has to not use the health or medical insurance plan offered to them. Medical insurance or health insurance waivers are not as common as they were in the past. Because of tough economic times many companies are cutting back on health insurance waivers or eliminationg them althgether.
Student Health Insurance Needs
If you are still under your parent’s health insurance, but will soon attend college or move out on your own, it’s time for you to start reviewing how you will cover your student health insurance needs.
The Top Ten Insurance Myths You Need to Know!
Umbrella Insurance is only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.
Reverse Mortgage Insurance
Understanding a reverse mortgage can be complicated. On fee that many are confused about is the reverse mortgage insurance. Homeowners usually pay mortgage insurance to protect the lender if the homeowner defaults on the loan so it is hard to understand why the homeowner should have to pay reverse mortgage insurance on a reverse mortgage.
Health Insurance Coinsurance
When you look at your health insurance policy, usually you will find you have a coinsurance clause. Understanding what your coinsurance is will help you budget better for your health insurance costs.
The 5 Step Guide to Considering Insurance...
If you own a credit card you have probably been asked by the company if you would like to add credit insurance. Most are unfamiliar with this type of insurance and either decline it or accept it automatically without knowing if it is the right type of insurance for their needs. Credit insurance may be beneficial to some but just an unneeded cost for others depending on one's situation.
10 Key Considerations When Comparing Health...
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.
Why High Deductible Insurance Isn't for Everyone
It is no surprise that health insurance premium costs are skyrocketing. Unfortunately, because of the high cost of health insurance, some families have resorted to canceling their health insurance and paying for their medical expenses out-of-pocket. This may work for a while for those that are healthy and can afford a few doctor's visits a year, but, what would happen if they needed major surgery?
Is anyone who drives my car covered?
Who is covered under my auto insurance policy? Who needs to be listed on my auto insurance policy?
Could Your Life Insurance Company Fail?
Life insurance is supposed to be the back up plan for our losses. But, have you ever thought about what would happen if your life insurance company went bankrupt? Unfortunately most people don't realize life insurance companies could fail just like the bank failures we have been through.
Pros and Cons of State Farm Personal Insurance
Although there have been a few State Farm complaints in their history, they still remain one of the top insurance choices for U.S. customers.
What is Insurance Underwriting?
Learn the definition of insurance underwriting and how an insurance underwriter determines potential clients.
Insurance Agent
What is an Insurance Agent? What type of education does an insurance agent have?
Choices in Dental Insurance Plans
Everyone needs dental care. Unfortunately, not everyone knows there are a variety of ways to pay for a dentist and dental care. There are more choices than just traditional dental insurance and those choices can save you money on your dental care. If you need a way to pay for your dental care and dentist fees, here are 4 dental care and dental insurance options you may want to consider.
The Average Cost of Renters Insurance
Many people are choosing to rent their living spaces. Unfortunately though, these renters try to save money by not choosing renters insurance. The average cost of renters insurance is very affordable so renters insurance costs should not be a factor in determining not to purchase a renters insurance policy.
Transferring Wealth with Life Insurance
Wealth transfer and asset protection are important topics for many baby boomers and seniors. A will and/or a trust can assign assets to beneficiaries, however these estate-planning tools are not designed to create wealth so much as they are to preserve it. In contrast, life insurance products instantly create wealth and can increase the amount passed on to a recipient.
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. Here is a list of six steps to take in order to protect yourself and find an honest and legitimate contractor.
Insurance Deductible
How much is my insurance deductible? The deductible is chosen by the insured and is usually applied to coverage's such as comprehensive and collision.
Gap Insurance for New Car
Just bought a new car? What if an accident occurred soon after taking your brand new ride off the lot? You have full coverage insurance, right? So, you're covered... or maybe not.
Discount Medical Cards
Middle class America is most affected by the healthcare crisis. They are working and contributing to society but many are without medical benefits and can't find affordable or cheap health insurance. They make too much to qualify for Medicaid, but too little to afford the high premiums of insurance.
RV Insurance FAQ's
Doing some RV road trips this year? Do you have questions about your RV insurance? Many RV owners still have questions about their RV insurance even once they are on the road in their RV. Make sure to check out these RV Insurance FAQ's before hitting the road so you don't end up worrying about your RV insurance once on the road.
Making Sure You Have Enough Home Owners Insurance
The main determining factor is whether your policy is a replacement cost value policy or an actual cash value policy. If you have an actual cash value policy, it will not. Actual cash value is also known as the fair market value. Fair market value is basically the amount that a a buyer would pay for your home.
Waiting Period
insurance glossary waiting period
Auto Insurance 101
Why do you need a five step guide to auto insurance shopping? Because, if you want to get the best coverage for your buck, shopping smart for your car insurance is the way to do it. Also, car insurance is one of the top ways to chisel down your insurance budget if you know how to do it right.
Does Your Insurance Company Offer Gap Insurance?
Pay twice for gap insurance? Who wants to do that. No, you don't get double the coverage but only double the payment. How could that happen? Well, it happens when you already have gap insurance coverage through your insurance company and then buy a gap insurance policy either because the dealer has pressured you into it or you just did not realize you already had the insurance.
Top Ways to Find the Best Insurance Company for...
How long have you had your insurance company and why? Many just keep their insurance companies because they just have not decided to take the time to see what else may be available. Even if you have a great insurance company, if you take the time to look around a little you may find one just as good along with having more options at a lower rate for your specific needs.
Your First Insurance Policy for Your Car
Getting your first insurance policy for your car may not be a priority but, it should be. Your first insurance policy protects one of your first investments, your car. But, your first insurance for your car can be complicated and often new car insurance shoppers fail to compare car insurance rates and in turn fail to reap the financial benefits of finding the best and affordable first insurance policy available to them.
How to Determine the Extent of a Car Accident's...
Yikes! A car accident. Even if it is a minor car accident it can at the least be startling. And of course if there are people injured in the car accident or there is car accident damage to property, the emotions can be worse. It is important though for your safety and the safety of others, along with making your car insurance claim go much smoother, that you keep calm and understand before a car accident or crash, how to determine the extent of a car accident's damages and injuries.
What You Need to Know About Your Title...
Purchasing your home is an important decision. But how does one know that the property they purchased has a clear title? Because unknown problems can be hidden in the history of a property's title, homeowners use a title insurance company to purchase title insurance.
Condo Insurance vs. Homeowners Insurance
Homeowners and condo insurance have a lot in common. They both protect one's home and personal property and they both give the insured liability protection. Although homeowners and condo insurance have a lot in common, there are some differences. Understanding these differences will help one get the most out of their insurance policy.
How to Make a Property Insurance Inventory List
How to create a property insurance inventory list to keep track of personal property. Get information to include in your personal property inventory.
What is the Insurance Definition of Negligence?
Understanding negligence as it pertains to insurance and how it affects the policyholder, the insurance company and the insurance agent.
Beneficiary
The beneficiary, when related to insurance, is someone who receives the benefits of an insurance contract. This can refer to the person who receives the insurance proceeds from a life insurance policy or annuity.
Teens Driving and Distracted Driving
There are many reasons why teens tend to be more distracted while driving. Parents and their driving habits play a key role and insurance will just keep going up for us all if we don't stop our distracted driving.
Alternative Health Care Insurance Choices:...
There is no doubt most Americans agree that health care costs are way out of line and it is next to impossible to find a lost cost alternative health insurance choice. This result has lead thousands of Americans to take a look at a different way to pay for health care premiums: Medical Sharing Networks and Societies
Home Owners Insurance 101
It is never too late to learn about home owners insurance. If you currently have it, it is important to educate yourself to make sure you have your home properly covered. If you are thinking about buying a home, getting off on the right foot with the correct home owners insurance policy can save you a lot of hassle. And besides having the right coverage, getting a good deal on your home owners insurance can actually make you smile!
Aftermarket Car Parts Used by Insurance Companies
The use of aftermarket car parts by insurance companies to fulfill a car accident claim is common. Aftermarket car parts are readily available and in most cases cost much less than OEM parts, or replacement parts by the original manufacturer. These are large reasons why insurance companies prefer to use aftermarket parts. But are lower costs worth the risks that some say are associated with aftermarket car parts?
Motorhome Insurance
It is common for a motorhome owner to buy a motorhome and not think much at all about getting the best motorhome insurance for their unique RV. Getting the best motorhome insurance is not about getting the best price on motorhome insurance, although that can be part of it, but instead getting the best motorhome insurance is mostly about getting the best additional coverages. This can usually be done through special motorhome insurance companies
Covering the Gaps in Your Homeowners Insurance
There are some perils that are not covered under a typical homeowners policy. Getting coverage for additional perils is typically not complicated as most insurance agents can add the additional coverage onto the current homeowners policy. Earthquake insurance, flood insurance, and mudslide insurance will give one protection against perils that are not generally covered.
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.
Dental Insurance Coverage Exclusions
Dental insurance coverage can be expensive so it is important to know the specifics of one's chosen dental insurance plan. Knowing the specifics of one's dental insurance plan will help in understanding what is covered and what is not covered. Understanding these details can help one budget their dental insurance expenses better and get the best out of their dental insurance plan. One important area that one should know well about their dental insurance plan are the exclusions.
Umbrella Insurance Frequently Asked Questions
Yes, you know you should get umbrella insurance but you will do it once you find out more. But then when is the time to find out more? Often umbrella insurance gets put on the back burner and it never gets purchased. Take the time to learn some quick facts about umbrella insurance to make the process of purchasing it quicker and easier.
The Employee's Guide to Health Insurance and...
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.
Liability Insurance Coverage
When do I use my liability insurance coverage and is it required?
The Top 5 Gap Car Insurance Questions Policy...
Gap car insurance is a must for new car owners but did you know that you can get it for an older car too? Check out these top 5 gap car insurance questions for more you may want to learn about gap car insurance.
How Your Credit Score Impacts Insurance Costs
Did you pay all your bills this month? Your insurance company wants to know. Credit scoring, the term used by insurance companies to rate your credit, has been a disaster for some consumers. Find out if your credit score can change your insurance quote or insurance policy.
Dental Insurance or Dental Discount Price Club?
Dental insurance is expensive so what about a dental price club? Dental price clubs can be a good option for some but there are some drawbacks. Learn why your dentist would be a good choice in helping you choose the best plan for you!
11 Ways to Save on Your Homeowners Insurance
There are many ways to save with your homeowners insurance: Multiple Policy Discounts, Raising Your Insurance Deductible, Home Security Systems and Utilizing EFT Payments are just a few. Use this handy list when shopping for insurance online or with a local agent.
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.
Travel Insurance
Having excellent medical insurance does not always guarantee travel health insurance coverage when traveling abroad. Purchasing an additional travel health insurance policy can cover possible problems that your current health insurance may not cover.
Is My Landscaping Covered Under My Homeowners...
Landscaping adds value to one's home. In addition, the plants that are used in landscaping can be expensive. Insurance companies realize if one's landscaping was destroyed it could be a huge financial loss and therefore do include some coverage for one's landscaping under their homeowners insurance policy.
Top Ways to Make Your Current Car Insurance...
Are you getting cheap car insurance? Get your car insurance policy and compare your savings with this list to see if you are getting all of the savings you are entitled to, or print it out and use it when getting a new policy or obtaining an online car insurance quote. Page 2.
Pros and Cons of Buying Earthquake Insurance
Is it worth it to purchase earthquake insurance in addition to your homeowners insurance? Considering the high costs of earthquake insurance and the deductible along with the rare incidences of earthquakes, some would rather save their money and take the risk themselves.
Is Your Computer Really Covered?
You got the extended warranty and even checked with your homeowners insurance agent to make sure your new computer is covered. So, your safe now from whatever mishaps that may happen to your computer, right? Maybe not.
Employer Waiting Period
Employers use waiting periods to attract long term employees or to save money when there is a job shortage. An employer can set whatever time they choose for their insurance waiting period, but it is important to know that the employer waiting period cannot be in addition to a pre-existing condition waiting period.
How Long Will I Have to Wait for My First...
Disability income insurance is designed to replace one’s income when they are no longer able to work due to a disability. If a disability should happen, knowing when you will get your first check is a must, but all policies are not equal and how long you will wait for your money is specific to your policy.
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.
Health Insurance Provider Network
The health insurance provider network helps managed health care plans keep overall costs down. Understanding why managed health care plans use health insurance provider networks helps one see why it can cut health insurance premiums fees for the employee.
The Truth Behind the 10 Biggest Insurance Myths
Umbrella Insurance is only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.
Long Term Care Insurance: Do You Want Home...
The desire to have home health care is on the rise. Many feel that if they had a disability and/or needed help with personal needs at any age, they would rather have it done in their home with home health care. Unfortunately many don't plan ahead and depend on Medicaid or Medicare. Unknowingly they feel that Medicaid and/or Medicare will provide their home health care needs but often find out too late they should have looked for another source for home health care such as LTC insurance.
3 Criticisms of the Obama's Health Care Reform
What are the main points that the opposition is saying about health insurance reform as proposed by President Obama? Find out here.
Property Insurance Coverage Exclusions
Keeping your personal property safe is important. Property insurance coverage protects your property against many risks. But have you thought about the exclusions in your property insurance policy?
Considering Disability Income Insurance
Can you believe that according to some estimates one out of every ten persons will become permanently disabled before age 65? If you became that “one” and you could not perform your current job, what options would you have? You may want to consider disability income insurance.
Making Sure You Get Reimbursed by Your Renter's...
Renter's Insurance is a great way to keep your items protected but you can't get reimbursed by your renter's insurance company for things you can't remember or things that had more value than the insurance company thinks it had. The solution is documentation. Documentation is a two step process: Written and Video.
Homeowners Insurance and Your Storage Unit Items
Don't want to have a garage sale because you just are not ready to part with all your stuff? If this is your thinking then you probably already have a storage unit or have looked into getting one. Storage units are great but make sure you have all your storage unit items covered with the right amount of insurance to avoid any losses.
Online Auto Insurance Quote Guide
You've bought everything else online, so why not car insurance? Many are now buying their car insurance online and finding that when they choose to shop from home to get an online auto insurance quote, they are getting more than just an insurance quote.
Actual Loss
Actual loss, or sometimes known as actual loss sustained, in insurance means that the actual loss is covered but still usually up to a certain limit.
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