With a standard homeowners insurance policy, there are limits to what type of disasters are covered. For example, in most cases flood insurance must be purchased as an add on to your current policy. So if you have a flood and are not covered for flooding, you will not …

Continue Reading – Why home insurance is limited to different types of disasters

If you find yourself at the scene of an accident and have no idea what to do, the most important thing is to stay calm and don’t do anything you’ll regret later. Sometimes people attempt to do a hit and run or give the other driver false insurance information, …

Continue Reading – Penalties for giving invalid auto insurance information at the scene of an accident

Normally with health insurance from your employer, they will set aside an open enrolment period for their employees to review their policies and make changes. During the open enrolment period, the employees are able to compare and choose different health plans along with making any available changes to their …

Continue Reading – The importance of open enrollment with health insurance

Along with providing adequate life insurance protection, cash value policies have and added advantage to them. Cash value life insurance policies provide you with a special savings element that allows you to use some of the benefits before it is completely cashed out. However, cash values are not available …

Continue Reading – Pay off outstanding bills with your life insurance

Accidents always happen, and they may sometimes happen in your home or on your property. If someone were to slip on your front porch and break a bone, that is when your premises liability insurance comes into play. If someone did become injured on your property, it is important …

Continue Reading – Premises liability insurance will protect you from potential dangers and disasters

Losing your car registration or insurance cards can put you in a very stressful situation. Fortunately, both your registration and insurance cards can be replaced after appropriate actions have been taken. It is a little easier on you to replace an insurance card, rather than your registration, because your …

Continue Reading – Recovering lost insurance and registration cards

For each health insurance policy, the insurance companies can price a premium on a variety of different factors. These factors are looked at during the time of application, and that is when they decide if you will be a higher or lower risk customer. Many things are looked at …

Continue Reading – Variables that affect your health insurance

There are many things looked at in your medical exam for life insurance, that is assuming you have to take one. With a group life insurance policy, it is usually not required for you to take a medical exam, but with an individual policy it is. If you do …

Continue Reading – Things insurers look at in a life insurance medical exam

If your home caught on fire, and was damaged badly enough that you were unable to live in it, that’s when your home insurance comes into play. Part of your home insurance policy is coverage for your living expenses when your home is unusable. It is classified as “Additional …

Continue Reading – Paid living expenses through homeowners insurance

When getting a loan for a car there are always some strings attached to protect the banks investment. If you receive any information about taking out a loan for a car, you will probably find out that it is required to have specific minimums on your auto insurance. That …

Continue Reading – Banks can control your auto insurance policy