Insurance Archive

Collision coverage pays for the damage to your car, less the deductible, in the event your car hits something or is hit by something. If you have a car loan, your loan company will most …

The primary reason you should consider life insurance in your financial plan is to provide money to your surviving heirs in the event of a premature death. Let’s look at a few basic questions: 1. …

What is homeowners insurance credit? Insurance companies today will run your credit report when calculating your premium for homeowners insurance? Thats why its so important that you understand your credit score and how to improve …

The insurance premium tax is a tax imposed in the UK on premiums received under a taxable insurance contract. An insurance premium is defined for the purpose of the insurance premium tax as all payments …

Many times when a large debt will be repaid, especially a debt that is supposed to be used for periodic expenses, the contract for payment will allow for payment over a long period of time.  …

Home insurance rates or the premium that you pay for your home insurance is determined by a number of factors. These rates are likely to vary from one insurer to the next, and according the …

Annual travel insurance is designed to give cover to anyone planning more than one trip a year, whether it is on business or pleasure. Anyone who travels frequently would benefit by just having one annual …

Becoming seriously ill or being involved in an accident is something that can happen to anyone and an already stressful time can be made worse by the financial burden put on those it affects. For …

There is no specific place where cheap car insurance can be purchased. There are too many factors such as area in which you reside, the age of the car, is the car new or used, …

The money that you pay for life insurance serves no purpose unless the dreaded reason for taking it actually happens. Then it suddenly becomes valuable. The one thing that no one can predict is when …

Owning a yacht and sailing is a great experience. After making a purchase you have dreamed of, a brand new beautiful yacht, you need to think about its insurance. First of all, you have to …

Proximate cause refers to an action that leads to an unbroken chain of events; events that end with someone suffering a loss.  Proximate cause is used to examine how a loss occurred and how many …

Bashing the big health insurance companies has become a popular national past time. No one wants to pay more than they have to, or get less than they deserve. The exact ways these things are …

Credit scoring for insurance purposes is a controversial yet often misunderstood part of the policy quoting and underwriting process. Regardless of how one feels about the merits of this practice, I believe it’s important to …

Most insurers will not insure vacant homes. In Michigan under the essential insurance act you cannot be denied insurance coverage solely because of the age of your house, it’s location or the type of neighborhood …

Many people who settle a personal injury claim often opt for structured settlements. This means that instead of receiving the payment as a lump sum, the payments are structured so that the person receives them …

With the economy in such turmoil, many people are trying to find ways to save money on monthly expenses.  One such expense where you can save money is on auto insurance.  If you are currently …

When purchasing an annuity, whether fixed or variable, immediate or deferred, there are no health questions that are asked to determine eligibility. Annuities are a contract that is purchased from an insurance company. Annuity contracts …

If you own a car, a house or just rent an apartment, it is important to have insurance. It is also important to have health and life insurance. If you own or want to buy and …

What I need to know before I go shopping for a health insurance plan. If you already have health insurance, it’s important to be prepared to pay for your share of the doctor’s bill, but …

Having to fight insurance claims has become commonplace during the last few years. With insurance companies facing tough times during the recent past and perhaps even in the coming years, it is expected that insurance …

If your business is a small fish in a big pond, you will find that purchasing health insurance for your employees is an ominous chore. On an individual basis, the costs can be staggering. The …

The tragedy of death is often made worse when the beneficiaries of a life insurance policy do not know about the policy and never get the benefits. According to The Wall Street Journal, the National …

When it comes to considering insurance policies, bad cover may as well equal no cover. If one is going to the expense of insuring an auto, vacation, home, pet or a myriad of other things …

Everyone is looking for offers, discounts and good deals and how to cut down on their expenses and make a saving, especially since the world is facing tough economic times. If you own a car, …

It’s hard to imagine that more than fifty percent of renters do not have insurance to cover their contents or potential liability. Perhaps, it’s the feeling of transience that can accompany renting versus owning your …

There is a commercial on the airwaves where scenes from inside a home where a flood occurred are shown while background voices are heard. One of them says, “What you mean it doesn’t cover water …

Landlord insurance: How to protect your investment when your income stream is cut off. Landlord insurance has been developed to support Landlords* who need to insure their property. In the UK, Landlords need to insure their …

Insurance is often times prudent because it is a hedge against misfortune. Anyone who does not like risk may be inclined to want lots of insurance because it can really help a lot should an …

In visiting another country, there are many things to accomplish and paperwork to do before you gain enough security in making your travel easy and successful. Just finishing the necessary preparations can be time-consuming and …