insurance

Tips For Reviewing A Life Insurance Policy

While you've taken some great steps toward securing your family financially by getting a life insurance policy, it is not something you should just purchase and forget about. It's worth periodically reviewing the policy to make sure that it is still meeting the needs for financial obligations down the road. Here are two things you should review. Make Sure You Have Enough Coverage The life insurance policy that you purchased a while back may have been fine for your what you needed at the time, but things most likely have changed.

How To Shop For Home Insurance When You Have Bad Credit

If you are shopping for home insurance and you have a bad credit score, you may be fearful of receiving high quotes. It's true that many home insurers take your credit into consideration when calculating rates. However, it's also true that you can take measures to mitigate the effect of bad credit on your rates. Here are some of those measures: Identify the Insurers That Don't Use It Some, but not all carriers use credit scores as a factor in rate determination; some states don't even allow it.

No, Non, Yes: Auto Insurance Options If You Don't Own A Car

Car ownership is something that's considered necessary in most of the country. However, more areas are improving public transit and car-sharing options, allowing people who live in more central areas to ditch their personal cars. One issue that then confronts these people is whether or not to keep their car insurance. On the face of it, it seems like the insurance is not necessary. But there are reasons, other than convenience, that make having insurance still attractive.

Before, During, And After: Describing A Workplace Injury

As an employer, you need to write an accident report every time one of your employees is injured.  A good accident report has several sections, one of which is a description of the injury. The description of the injury should include these three things: The Sequence of Events Leading Up To the Injury This is where you describe what the employee was doing just before the accident. It's your prerogative to decide the level of detail to include, but you should at least include where the worker was, what they were doing, and any other thing you think is material to the injury.

Baby Boomer Disillusioned By LTC Insurance Plans? Hybrid Long-Term Care Insurance May Be Perfect for You

If you are of the baby-boomer generation and haven't begun planning for the expense of long-term care, then you need to start. Financial experts advise that everyone should enroll in an LTC insurance plan by the age of 60 even if they have no family history of chronic medical problems. Those who do have a family history of chronic health problems, including dementia, should find a policy much sooner. However, you may be considering rolling the dice and not obtaining an LTC policy due to fear that it will just be a "

Unexpected Ways To Lower Your Car Insurance

You've heard that having a good driving history and taking defensive driving courses will reduce your car insurance rates. These take time to develop, so you need to look for other ways to lower it. Here are four unexpected ways that you can possibly do so right now. Add Safety Features Your car may already have airbags, but what about other safety features? Now is the time to add them to your vehicle.

Understanding Total Loss: Steps To Take When Your Car Is Declared Totaled

If you've been involved in a motor vehicle accident, you may have just been informed by your insurance company that your car has been declared a total loss. If you're struggling to understand what this means, how it will impact you, and what to do after speaking with your insurance company, check out the answers to the two questions below.   What Does It Mean When Your Car is Declared a Total Loss?

Is Your Car Covered If You Lend It To Someone And They Wreck It?

Lending someone your car can be a good deed, but it sometimes is one you're punished for. Your friend or family member—whether their fault or someone else's—may end up crashing and wrecking the vehicle. You may think you can rely on your insurance or that they will be covered under another policy, but is that really the case? Who Caused The Accident? First, whether your friend or the other driver caused the accident needs to be determined.

Three Ways To Reduce Your Homeowner's Insurance Costs

Homeowners insurance can be somewhat costly depending on the policy coverage you choose. If you want to be able to save on your homeowner's insurance policy, follow the tips in the guide that follows. Have a Security System Installed The first thing you can do to reduce the amount you pay for your homeowner's insurance coverage is have a security system installed in your home. The insurance company will charge you less for your coverage because the security system will alert the authorities if anything happens to your home, which will reduce the amount of damage that can be done to the home or the amount of items that can be stolen from the home during a break in.

Three Life Milestones That May Affect Your Auto Insurance

Major life events can have a huge impact on your auto insurance rates. The effect is there for major life events that increase or decrease your perceived risk in the eyes of the insurer. Here are three major life events, and why they may impact your auto insurance rates: Graduating From College Your level of education may have an effect on your insurance rates. Your premiums are likely to go down when you graduate from college.

Insurance: Keeping Your Rates Low(Er)

If you are like many Americans, your life only works when you have a car. Keeping a car is expensive enough when you only have payments to make. When you add the expense of insurance, things can get out of hand. The average cost of insurance in 2014 was over $900 per year, a significant investment. To cut your vehicle expenses, you need to lower your insurance rates as much as possible. 

Options For Insuring A New Home Under Construction

If you have a new home under construction, you will want to purchase a home insurance policy even before construction begins. When shopping for insurance to protect your investment, consider the options available to protect yourself from liability and insure the structure and building materials on the site.  Standard Home Insurance Policy A standard home insurance policy provides coverage for building materials, including lumber and roofing shingles, that may be stolen from the property while your house is under construction.

Three Important Things To Remember When Living Near A River

For water lovers, living by a major river can be a dream come true. If you do choose to live near the river, here are three important things to keep in mind. Don't Live on a Floodplain If you are looking for a home near the river or are planning on building one, you'll want to steer clear of the floodplain. This area typically experiences major flooding during seasons the river is unusually high or when the water threatens to go above the flood stage.

4 Tips For Choosing A Health Insurance Plan

Having health insurance is definitely a high priority. Without health insurance, you can be left with extreme medical bills that can put you in debt, or worse, not allow you to receive the treatment that you need. If you are in need of health insurance, it's best to start shopping for a plan right away. Here are four tips to help you do this: Create a Priority List: If there is a specific doctor you want to see, write this down.

Things You Should Know About Full Coverage Auto Insurance

Has the thought of driving always made you feel nervous but now you are ready to give it a try? Before you start driving for the first time, it is important for you to understand why full coverage auto insurance is the most beneficial type to invest in. Take a look at the article below to find out why you should choose full coverage insurance for your vehicle. Financial Backup for Vehicle Repairs When You Cause a Collision

Need Home Insurance? Here's How You Can Save Money On Your Policy

Homeowner's insurance isn't something that you should do without. It is something that is designed to help protect you in the event of any claims that might arise. If you are in need of insurance and want to save money, there are three ways to do so.  When looking for a plan you should keep these all in mind.  If you own a home, it is essential to have a homeowner's insurance policy so you save money in the long run.

How Will Getting Married Affect Your Car Insurance Rates?

There are a lot of advantages to being single. Getting car insurance, however, is not one of them. Did you know that, statistically, married couples are less likely to get in car accidents than single individuals are? For this reason, a lot of auto insurance companies see married couples as less of a risk to insure. After getting married, it is normal to wonder how this will affect your car insurance rates.

Getting Affordable Life Insurance After A Skin Cancer Diagnosis

Being diagnosed with cancer can be frightening. Skin cancer is one of the more common types of cancer in the United States today, with an estimated one in five Americans developing skin cancer over the course of a lifetime. A cancer diagnosis can affect many things in your life, but obtaining affordable life insurance doesn't have to be one of them. Here are three things you need to know about getting affordable life insurance after a skin cancer diagnosis.

A Guide To Your Homeowner's Insurance Policy

When you need to be sure that your home and everything inside of it is cared for, you will need to do your best to acquire a homeowners insurance policy, from an agency like Coast Comp Insurance Agency, that works for you. There are a variety of plans that you can shop between in order to make sure that you are safeguarding what is arguably the most important investment that you will make during your life.

Mistakes To Avoid When Purchasing A Homeowner's Insurance Policy

A homeowner's insurance policy is an invaluable piece of protection. However, this is only the case if you have the right policy. Securing a policy that will be best suited to protect your home has a lot to do with avoiding mistakes during the purchasing process. Here are just some of the mistakes you want to avoid when shopping for a new homeowner's policy. Insufficient Personal Liability Coverage Personal liability coverage offers protection for property damage or bodily injury sustained by another person, where you or a member of your household is deemed to be the responsible party.

First Time Drivers: How Deductibles Work

As a first-time driver obtaining car insurance for the first time, all of the options and language surrounding getting car insurance can easily become overwhelming. Here is a quick guide to help you understand exactly what a deductible is, how it works, and how it affects your premium.  What Is A Deductible? Depending on the type of insurance that you purchase, your insurance provider will cover the damage that your vehicle sustains in an auto accident via your collision coverage or due to a natural disaster or other unforeseen circumstance via your comprehensive coverage.

Medicare MSA Plans: FAQs

Medicare offers a variety of insurance plans to help ensure that people who are 65 years of age or older have the medical coverage that they need. These Medicare plans are administered by private insurance companies that have been contracted by the government. Traditional Medicare includes Part A and Part B coverage. Part A covers inpatient bills that are considered medically necessary, such as hospital care and services received in a skilled nursing facility.

When Is Liability Insurance Enough?

For many people, just meeting monthly expenses can be challenging. After you pay the mortgage, utilities, and grocery bills, paying for full coverage car insurance can seem like too much. However, reducing your coverage can be risky. When is carrying only liability insurance enough? Liability Insurance All except one state requires that its drivers carry some sort of liability insurance. A liability policy protects you by paying for the other driver's property damage and medical expenses when you are at fault in a collision.

3 Things Your Life Insurance Policy Will Help To Pay For

Life insurance is an important part of every person's emergency preparedness. Although you hope that you will never have to access a policy, it is vital that you have good coverage so that if your family does need your life insurance they are well taken care of. Here are a couple things that your life insurance policy will cover in the case of an emergency. 1. Living Expenses If you are the primary breadwinner, you should be sure that your life insurance policy has enough to keep your family afloat for a while after you pass away.

5 Little-Known Ways To Save Money On Your Homeowner's Insurance

Buying a first home can be one of the most exciting rites of passage for any adult, and that thrill is not likely to be reduced when the second home is bought. Whether you are a first-time homeowner or an experienced real estate investor, you want to put money into your home whenever possible. Therefore, saving on things like homeowner's insurance is a must. Here are some little-known ways that you can save big on homeowner's insurance.

3 Things To Keep In Mind When Shopping For A Better Car Insurance Rate

Car insurance is something that all drivers should have. Not only is it required by law, but it can protect you financially in the event of an accident or if your car is stolen. At some point, most people wonder if they can get a better car insurance rate than they already have. This leads them to look at ways to reduce the cost of their premiums with their current insurer, as well as to look at other car insurance companies to see their rates.

Steps That May Lower Homeowners Insurance Premiums

When you buy a new home, you need to purchase homeowners insurance (from a provider such as Ronald H. Krupa Insurance Agency) as well. This is usually a condition of any mortgage lender in order to get a mortgage on the home. There are a number of ways to get a lower premium on your insurance policy.   Reconsider Policy Amount  Many people get their insurance in the amount that they paid for the home, and this can sometimes be more insurance than they need.

Q&A For Medicare Supplement Plans

If you are considering supplemental insurance to help pay for things that your Medicare policy does not cover, you may feel that you don't know enough to make a final decision on whether or not to add the coverage. Medicare Supplement insurance plans, which are also called "Medigap" policies, helps pay for uncovered medical costs, such as deductibles and co-payments. Although Medicare Supplement plans and Medicare Advantage plans may be offered by the same insurance company, they offer different coverage.

Finding the Best Insurance Rate When Your Teen Starts Driving

If you have a teenager who is just about ready to take their driver's license exam, you will most likely be a bit wary about what to expect with increased insurance rates when they hit the open road. There are a few ways you can save on insurance when adding a teen to your policy. Here are a few options you may have available when insuring a teenager. Shop Around

Do You Need A Medicare Supplement?

If you're planning to retire soon, you may be anxious about leaving the world of employer-sponsored healthcare for Medicare. While the varieties of coverages and supplements can seem overwhelming at first, you'll soon become an expert at primary and secondary coverages and calculating your health costs. One important part of the health care puzzle involves supplementary coverage for certain procedures and services that aren't always covered by your ordinary Medicare plan.

Ways To Cut Cost On Your Auto Insurance

Are you paying too much for your monthly car insurance premium? If so, this could definitely be hurting your finances, especially if you are already on a budget. Well, rather than skip a payment or consider removing some important coverages from your policy, there are a few ways that you can reduce the cost of your car insurance, without having to eliminate important coverage. So, when adjusting your car insurance policy, you may want to consider

2 Important Tips About Cheap SR22 Insurance When You Do Not Own A Car

If you have been convicted of driving under the influence of drugs or alcohol, driving without insurance or owe back child support, you may be considered by the state in which you live to be a high-risk driver. If that happens, your driver's license could be suspended and most states will only allow you to continue driving when you obtain SR-22 insurance, which provides more coverage than a standard policy. If you drive without the required insurance and permission to drive by the state, you could be fined or arrested, as driving with a suspended license is illegal.

Ways To Lower Your Car Insurance Rates Without Changing Your Company

If you are not happy with your current car insurance rates, one quick way to improve your rates is to find a new car insurance company. However, if you do not want to switch your car insurance provider, there are ways to can have your rates lowered. Some of these changes are very simple and can be made online. Pay Online If you are mailing your payments, you might be charged an extra fee for processing payments by mail.

3 Questions To Ask About Insurance For A Rental Property

Do you have a property that you wish to rent out? Is it your first time being a landlord? As a landlord, one of your biggest responsibilities will be to maintain the property. As is the case in any home, sometimes those maintenance and repair costs can be extremely high. That can be especially true if the damage was caused by a fire or severe weather. Having the right insurance policy can protect you from serious financial loss.

Could Tracking Your Driving Lower Your Insurance Costs?

When it comes to auto insurance rates, for a long time, companies mainly used demographic information to judge how much of a risk you were as a driver. If you were a member of a group that got into a lot of accidents – say, someone in their early 20s with a sporty car – you would be considered a high risk and have to pay higher rates. If you're a safe driver and looking to lower your insurance rates, it's worth looking into a new alternative: usage-based insurance, or UBI.

Teaching Road Safety To Your New Teenage Driver

Commercial driver's education courses do a great job of teaching your child the basics of driving, such as where controls are located, how to recognize road signage, when to use turn signals, and so on. However, knowing how to drive safely and defensively is equally important. Teaching your new teen driver such important aspects of driving shouldn't be left up to someone else. Here are some things to cover before you hand over your car keys to your new teen driver.

How To Avoid Being Sued For Dental Malpractice

While dental malpractice insurance from a company like HMBD Insurance Services is there to help you protect your livelihood, you want to do everything you can to avoid needing to use it. You'll find the tips below helpful when it comes to avoiding being on the receiving end of a dental malpractice suit. Keep your staff well-educated You want to make sure your staff is knowledgeable in all the areas they are going to be responsible for.

Auto Insurance Claims Of An Unusual Sort: What To Do When The Other Driver Isn't Driving A Car Or Truck

Auto accidents can happen with or without another car or truck involved. In fact, it is possible to obtain damage to your car when you are not even in it, as is the case with a hit and run accident. If you find yourself in one of these unusual accidents, it is best to be prepared in advance. Check with your insurance agent to make sure you are covered for any and all of the following accidents:

Buying Home Insurance: 3 Important Tips to Consider First

As a homeowner, one of the most important decisions you will ever have to make is purchasing home insurance. There are several tips you should be aware of that can make the buying process less stressful. Understand the Different Types of Home Insurance One of the most important things to consider is what types of home insurance you have access to. There are a lot of great types today, which include HO1, HO2, HO3 and HO5, HO6, cash value and replacement value insurance.

Top Dog Breeds That Can Make Your Homeowners Insurance Jump

You may not think much of it, but the hairiest, friendliest member of your family could cause your homeowners insurance to skyrocket. Many major insurance carriers continue to limit coverage over specific dogs despite the recent backlash by the American Kennel Club. Some states are considering barring breed discrimination by insurers. Until then insurers insist on targeting large dogs that can inflict a lot of damage. Before you pick a dog, consider the following insurance information.

Are You Committing Rate Evasion?

Unlike what most people think, fraud is a real problem in the field of car insurance. While it's not as prevalent as in both the life and health insurance sectors, it costs a lot of money to insurance firms and honest policyholders each year. Often referred to as rate evasion, car insurance fraud is a fast growing practice allowing a driver to pay less for their insurance premiums than they normally should.

How Your Business Location Affects Your Insurance Rate

Business insurance is essential any time you own a business, as it helps you to protect your assets from unexpected events. However, the rate of your insurance can vary based on a number of factors. One of those factors is the location of your business. Everything from the local crime rate to the risk of natural disasters can change your insurance coverage and how much it costs. Here are some things to know about your location and insurance rate.

Low Discount Auto Insurance Rates For Qualifying College Students

Many college students must use student loans to pay for their education. Then there are boarding fees or apartments to be leased, which is another expense. There is hardly money left over to pay high rates for car insurance, which a number of students need --especially if they live in rural areas where there is no mass transportation. However, students can find affordable auto insurance rates that give them a break.

5 Factors You Didn't Know Determined Your Car Insurance Rates

Car insurance rates can sometimes be a mystery. Why do you pay more for car insurance than your neighbor, and why does your cousin pay more than you do? Here are 5 factors other than your driving record that go into determining how much you will pay to be insured on the road.  Age If you've ever had a teenage driver in your home, you are aware of this factor. People between the ages of 16 and 19 are more at risk than anyone else for getting into car accidents.

Usage-Based Auto Insurance Pros And Cons

If you're looking for an innovative way to reduce your insurance costs, then you'll want to take a look at usage-based auto insurance.  But before you sign on the dotted line, it's a good idea to weigh both the pros and cons of signing up for this type of auto insurance. The following contains some helpful advice when it comes to choosing a usage-based policy. How Usage-Based Insurance Works Insurance companies (such as Ashland Insurance Inc) typically calculate auto insurance rates based on a broad range of customer factors, from demographic information (age, marital status, etc.

The Most Common Homeowners Insurance Claims And How You Can Avoid Them

Homeowners insurance is a necessity for anyone that owns their own residence. Since virtually every homeowner has it, there are some common claims that occur over and over again. Here's a look at some of the most common claims filed on homeowners insurance, and what you can do to avoid them. Water damage Damage from water is the most common reason a homeowner will file an insurance claim. This can be from a cracked or leaking pipe under the house, a hose from a washing machine or dishwasher, or a gutter that's not channeling water away as it should.

Insurance Tips: Obtaining Coverage On Your First Vehicle

Your first vehicle is likely the first major purchase of your life, perhaps your very first adult decision. Whether you saved up to pay cash for a used vehicle or are financing a new one, buying a car is an immense responsibility. Purchasing and maintaining car insurance is a significant portion of that responsibility. You must make sure your car is protected and that you can protect yourself in the event of an accident.