Insurance Archive

An excess liability policy is commonly referred to as an umbrella policy. This type of policy protects your home (primary and secondary) your cars, and any other type of policy that is eligible for excess …

If you are a in business to sell products and/or services to the public and you employ workers to assist your efforts, you most likely have an insurance provider that insures that you do not …

Some place back in the 1980s I read an interesting article regarding the cost of health insurance and the impact it had on wages for those employees that enjoyed employer sponsored health insurance. Accoring to …

A claims dispute can be easily settled by taking your case to a small claims court. The reasoning behind creating small claims courts was to give the ordinary citizen a tribunal where he could tell …

What would you do if you came home from a trip to find your entire home sitting in a pool of 3 foot of water? Would you have the money to pay for it? Would …

The decision to purchase a life insurance policy or to buy annuities depends greatly upon your needs. Although both products are offered by insurance companies the two products are incredibly different. They actually function in …

It’s a fact – auto insurance consumers who do their homework can find ways to save on their coverage. Understanding your auto insurance coverage, customize it to suit your changing needs, can get you the …

Life insurance is one of the most common insurance products purchased by people today and is misunderstood by many of the people that purchase a policy. Many of the people that have a life insurance …

Homeowners insurance: How do I know if I have the right amount of coverage? Shopping for home owners insurance is an over whelming task but yet it must be done. Your home is the most …

You’re young and have just moved into your first apartment. You don’t have a lot of personal property: your television, a kitchen table and some chairs, your computer, a little bit of furniture in your …

Car insurance is one of the necessities that anyone who owns a vehicle has to have.  It is something we can’t do without, but it can be very expensive. Depending on what type of vehicle …

Everyone who drives an automobile must have at least basic liability insurance. Those who drive vehicles that have been financed are also obligated to insure the vehicle against collision damage, theft, and other events that …

Affordable health care is a problem for many people in America. You would think if a person has a full time job or a professional job that they would be able to afford health care,but …

It is very costly to have car insurance, but necessary, not only because it is required by law but because it protects both your assets and your finances. In these tough economic times, many drivers …

Homeowner’s insurance provides vital protection against the risks that face you as a homeowner. The rate that you pay for protection by your homeowner’s insurance policy in governed by a range of factors. The type …

Let me offer a qualified yes. I worked in the insurance industry for 25 years, and my company has a very comprehensive employee and retiree health insurance program. Raising kids and going through many illnesses …

Homeowner’s insurance premiums for the average American homeowner runs over $800 annually. Since every homeowner needs to have insurance coverage, you can not duck out to save cash or you otherwise risk losing everything should …

Beginning the search for an individual health insurance policy can be an ominous and daunting task for someone with little or no experience in the health insurance industry. Since the number of insurance companies increases …

Life and insurance, they go hand-in-hand for all us in our daily lives. But one of the most important types of insurance can be the most difficult for first-time buyers, and that is Life Insurance. …

Buying your first RV?  You would be wise to understand your insurance needs and then shop around for quotes that include appropriate coverage to get your RV insured properly.  If you, like most folks, are …

The risks of hurricanes, tornadoes, floods and other disasters make your home one of the biggest investments you need to protect. You don’t want to wait until after disaster strikes to learn you haven’t enough …

How to choose the right level of renter’s insurance for you Whether you are renting an apartment or living in your landlord’s basement, renters insurance is an essential option to consider. Many people don’t realize …

Financial Professionals usually advise individuals should purchase a life insurance policy with a stated benefit of amounts equaling or exceeding five times their salary. When considering the amount of life insurance to buy, a more …

In these cash-strapped times – insurance is prudent when it pays. Here are a few simple day-to-day household examples: If you’re thinking of buying insurance start with the cost of the monthly premium and first …

There are no ‘cookie cutter, one-size-fit-all’ solutions to problems as vast as making health care affordable, and thinking that requiring businesses to pay for insurance is even a small-step solution to the problem is factious. …

It doesn’t happen often but sometimes an auto claim is denied.  If you have full coverage on your vehicle and your claim is denied, you can file the claim under your insurance policy and let …

You call your insurance agent and tell them about the lightning bolt that struck the power pole outside your home last night. The lightning coursed through the electric lines and damaged several items in the …

Some years ago when I was fresh out of college and in the midst of training to become a property and casualty insurance underwriter, I remember seeing a television commercial for one of my company’s …

Auto insurance can be confusing for most consumers; there are so many different types of insurance and it can be difficult to determine the type of coverage you’re required to carry versus the types of …

It’s your life: Or is it?A beginner’s guide to life insurance The concept of life insurance first came to the United States in the 18th century, during colonial times. Over the next 280 years or …