Insurance Archive

Switching homeowner’s insurance providers is not difficult in the least. Contrary to popular belief, the process is not fraught with hassles, complications, and inconvenience. In fact, it can take less than 24 hours to complete. …

From our one experience in needing to use our travel insurance, I can say it is a good idea. Ten years ago, and before we became internet travel savvy and started making our own schedules, …

The most important things to consider when purchasing homeowners insurance are: what is covered in your policy and what is not covered. Policies are comprised of many separate clauses and are broken into two categories: …

Healthcare in America Healthcare has become my great white whale over the past week or so. It seemed so simple at first, dash off a quick column about the need for a single payer system …

The Emergency Room Health Clinics across the US…. The majority of people who lack medical coverage in the USA are caught in a national system of health-care that says they have too much money to …

Why should America adopt a course of action that has never worked anywhere it has been tried?  The United Kingdom and Canada have nationalized health care systems that are failing their citizens.  Not only do …

Differences in HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations) can be difficult to distinguish and this results in many being confused as to which type of organization they should use for their medical …

The daily driving distance a person puts in has a large impact on the subsequent cost of car insurance. It is pretty simple really; if a person drives a long distance the chance of having …

Nine Steps to Improve the Chances of Getting Liability Insurance for your Dog How can you improve your chances of getting liability insurance for your dog on your homeowners or renters insurance policy? You are …

Insurance rate classes divide the population into different levels of risk based on actuarial tables.  This tells an insurance company how much they can expect to have to pay out for people like you, and …

How much is your pet worth? Did you know that you can have insurance for it? In 2007, U.S. insurers created this option after several dogs and cats died following ingestion of a contaminated feed …

What is most important to understand as a homeowner is what your homeowner’s insurace policy does not cover. As a property insurance adjuster my experience has bee that this is more difficult to understand than …

Homeowner’s liability can carry multiple complexities. There are many danger areas in and around our properties that could cause injury. The right situation may provide an environment for potential legal responsiblity. Below is a list …

Anyone who’s reasonably healthy should consider switching from a traditional insurance plan to a Health Savings Account. These plans have a bunch of great benefits: 1. Much cheaper monthly premiums; 2. Ability to save and …

Travel insurance can be very important for many travelers.  There are a wide variety of reasons why you should take this precaution, including the following. You may not be covered by your regular insurance Even …

Being in a fraud is very easy particularly if you are not well informed. Insurance premium amounts are very lucative ones, you always feel that the lesser the amount, the better is the insurance company …

Insurance companies are supposed to be there to cover the risks that normal life brings. The idea is a great one but what they have been doing little by little is creating those get out …

Your head spins as you hear the HR director say the dreaded words; “Reduction in Force”. Your first thought is “What will we do without health insurance?” You take a breath and ask: Is the …

Permanent life insurance is just what the name implies – as long premiums are paid on time, coverage will always be there, as opposed to term insurance which ends at a pre-determined age. Although there …

Auto insurance is inescapable and everybody knows that if they buy a car or any other vehicle, then they must also buy the automobile insurance. It is the rule. However, while seeking an auto insurance …

Before shopping around for a health insurance policy or selecting from the policies available through your employer, there are certain things that you need to understand about health insurance in general.  Health insurance plan documents …

Some people are fortunate to have found the right insurance company for their needs, and at rates that are extremely competitive in the insurance market. However, many other people, most who are on their first …

Today, we live in a very litigious society where lawsuits arise from the smallest of things. A broken arm in the office, obesity from eating junk food, a doctor handing out the wrong medicine, or …

A landlord insurance policy overlaps with conventional homeowner’s insurance.  For example, if your property is destroyed by fire, landlord insurance functions to reimburse you in the same way that homeowner’s insurance would. However, landlord insurance …

Personal liability insurance coverage protects a person, and possibly that person’s immediate family from unexpected losses arising from civil claims against the insured. It is also known as umbrella coverage, as it provides protection above …

Ex-Gratia payments are payments made without an obligation to pay. The words mean ‘out of favor or out of gratitude’ Insurance Companies often make ex-gratia payments with an accompanying letter marked ‘Without Prejudice’ These payments …

If like over half of the American population, you own a vehicle or are paying for one, then chances are very high you have car insurance. However, in the even that you do not, you …

Dental health coverage is available to anyone who chooses to purchase it through the employer or through self purchase. As with many other choices, dental health insurance has been expanded and delivered to our homes …

Health care insurance costs have risen for Americans more than 120% since 2000. What does that mean in dollars and cents? The average family of four paid $12,700 for an employer-based insurance plan in 2008: …

Ohio requires that all automobiles registered must be covered by standard liability coverage. At http://www.dmv.org/oh-ohio/car-insurance.phpit is simple for Ohio drivers to obtain up to five quotes from leading insurers to ensure that you are getting …