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Health Insurance
Health Insurance Coverage For Mental Health Services
According to the National Alliance on Mental Illness, around 51.5 million people experience mental illness yearly in the US. Unfortunately, only 45% of those adults received a...
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Health Insurance
Health Insurance For Families
With Marketplace Open Enrollment coming up in November, parents must have all the information to enroll in the best health care coverage for their family. Here’s everyth...
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Health Insurance
Can I Get Health Insurance Without a Job?
It can be stressful to navigate health insurance coverage while unemployed. Fortunately, you still have health insurance options after job loss. While group coverage isn’...
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Health Insurance
Inflation Reduction Act and Health Insurance
With the climbing costs of health care plans and prescription drugs, millions of Americans struggle to afford the out-of-pocket costs and premiums of their health plans. Fortu...
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Homeowners Insurance
Wildfire Insurance: What You Need To Know
With record-high temperatures and drought conditions on the rise, more than 4.5 million US homes fall under high or extreme risk of wildfire, according to Verisk Analytics. Fo...
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Health Insurance
Affordable Care Act Open Enrollment Guide for 2023
Fall’s arrival puts Americans just a few months away from the arrival of the (ACA) Affordable Care Act Open Enrollment period, where anyone can sign up for health insurance....
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Health Insurance
Complete Guide to Affordable Care Act Plans
If you’re shopping for health insurance for yourself and your dependents, you may consider purchasing health coverage through the Health Insurance Marketplace. New to the in...
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Health Insurance
2023 Update on Open Enrollment for Health Insurance
Open enrollment is typically a time of change; it’s when you get to either buy a different insurance plan or change the health insurance plan that you currently have. How op...
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Health Insurance
What to Know When Shopping for Health Insurance
For most Americans, Open Enrollment in October and November presents the opportunity to switch health insurance plans. Whether you’re changing plans or buying health ins...
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Homeowners Insurance
Liability Insurance: What You Need To Know
Liability insurance, also known as third-party insurance, provides coverage if you’re responsible for injury/damage to another person or their property. Its main purpose...
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Homeowners Insurance
Home Actual Cash Value vs. Replacement Cost
The next time you find yourself examining the declarations page of a home insurance policy, be sure to read the fine print to learn about how you would be reimbursed in the fu...
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Homeowners Insurance
Does Home Insurance Cover Asbestos Removal
If you’ve been told that your home has asbestos behind the walls or under the floors, you want to consider your options for removal or containment. Breathing in asbestos...
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Homeowners Insurance
How To Get Insurance For Your Home Business
Looking to your homeowners insurance to help you when problems arise in your home business seems natural. After all, you’re at your house, right? In specific situa...
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Homeowners Insurance
How To Get Homeowners Insurance for a Second Home
If you own a vacation home or any type of second residence, you want to protect that property as much as possible so that you can enjoy it for many years to come! As with your...
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Homeowners Insurance
Your Guide To Flood and Hurricane Insurance
When you buy homeowners insurance, you may think you’re covered for everything. Or, as they say in the insurance industry, all perils. This is not the case. All insuranc...
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Homeowners Insurance
Fire Damage and Mitigation: What Every Homeowner Should Know
Any household fire can traumatize a homeowner, and even a small stovetop fire can easily cause thousands of dollars of damage to the house itself. A large home fire can be dow...
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Homeowners Insurance
My Homeowners Insurance Was Cancelled
An unexpected letter from your insurance company can be nerve-wracking, but thankfully, in most cases, it’s just asking for important information like your current conta...
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Homeowners Insurance
My Basement Flooded; What Will Insurance Cover
The main cause of a flooded basement is a broken or clogged pipe. This could be because of an earthquake, heavy rain, or a burst water pipe. A flooded basement can be caused b...
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Homeowners Insurance
What To Do After a Denied Home Insurance Claim
Denied insurance claims are common, but it doesn’t have to be a disaster. Here are some tips on how to handle denied claims. The key is to be informed and prepared for t...
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Homeowners Insurance
Credit Check: How to Get Home Insurance Without One
Unless you live in a specific state which prohibits using credit scores or doing credit checks, such as California, Massachusetts, and Maryland, determining home insurance rat...
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Homeowners Insurance
Preparing Your Home for Hurricane Claims
Hurricanes are natural disasters that can cause significant damage to homes. If you’re a homeowner, it’s important to be prepared for the possibility of making a h...
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Homeowners Insurance
How to Get Homeowners Insurance with an Old Roof
Roofs are necessary for any building, but they often go unnoticed until the first rainy day. The lifespan of a roof is typically 20-30 years. Unlike wine, it doesn’t imp...
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Homeowners Insurance
How to Know if You Need Homeowners Insurance for a Condo
A condo insurance policy is different from a traditional homeowners insurance policy. While you own the condo, you don’t have to cover the building or the common areas o...
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Homeowners Insurance
How to File a Home Insurance Claim After a Burglary
Statistics show that one in every four homes will be burglarized. If you’re one of the unlucky homeowners who have experienced a burglary, then you know just how devasta...
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Homeowners Insurance
How Depreciation Impacts Your Home Insurance
Depreciation is a process whereby an asset loses value over time, which allows it to be replaced or repaired. This can affect home insurance depending on the type of policy yo...
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Homeowners Insurance
Finding Homeowner’s Liability Insurance For Dogs
For dog owners, homeowners liability insurance is a must. It protects the owner from financial losses if their dog causes injury or damages to other people or property. A lot ...
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Homeowners Insurance
Most and Least Expensive States for Home Insurance Rates
Home insurance is necessary to protect your financial investments against disasters, accidents, and other unforeseen events. However, factoring in the cost of it, along with t...
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Homeowners Insurance
Home Insurance With A Wood Burning Stove
As with any potentially risky addition, adding a wood-burning stove to your home could affect your insurance premiums. If you want to own a log or pellet stove, there are ways...
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Homeowners Insurance
Buying Homeowners Insurance Without an Agent
When shopping for home insurance, the options can seem overwhelming and unlimited. Using an agent is one of the most common avenues to purchase insurance, and many people find...
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Homeowners Insurance
Types of Home Insurance for Unoccupied Homes
A standard homeowners insurance policy makes a key assumption about the policyholder: that you are a full-time, active resident of the property. If you’re not, you fall ...
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Homeowners Insurance
Types of Homeowners Insurance Coverage
There are currently eight main types of homeowners insurance, each designed to suit the needs of various homeowners and their properties. Insuring your home is essential wheth...
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Homeowners Insurance
Does Home Insurance Cover Water Damage from Dishwasher
You’ve made a delicious dinner, shared great company, and started at a sink full of dirty dishes. Luckily, you have a dishwasher that does the hard work for you. The dis...
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Homeowners Insurance
My Water Heater Leaked. What Should I Do?
A tank water heater can contain anywhere between 23 to 56 gallons of water or more. The water heater may fail, and all that water is now in your basement, closet, or attic. It...
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Homeowners Insurance
Water Damage Mitigation and Restoration: What to Know
If you are lucky, you’ll never be in a situation where you need to know exactly what water damage mitigation and restoration are. But one out of four homeowners will exp...
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Homeowners Insurance
What To Do When Your Bathroom Floods
1. Stop the Water From The Bathroom Flood The fastest way to address the problem is to turn off the main water line to the house. Why? There are multiple sources of potential ...
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Homeowners Insurance
Water Damage: The Second Most Common Insurance Claim
After wind damage, non-weather-related water damage is the second most common insurance claim. If you come home to flooding not otherwise caused by weather, it can be an over...
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Homeowners Insurance
Washing Machine Flooded House: Will Home Insurance Cover It?
Imagine coming home to water all over the floor or leaking through the ceiling from an upstairs room. To your surprise and shock, the culprit is not rain or a broken pipe R...
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Homeowners Insurance
Most Common Home Insurance Claims
Home insurance is more complex than it seems on the surface. As far as claims go, you can file for a wide variety of differing causes. If your home was damaged in a house fire...
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Homeowners Insurance
Will A Treehouse Raise My Homeowners Insurance?
To many homeowners, a treehouse may seem like another property structure, like a backyard shed or detached garage. Garages and sheds don’t typically have any bearing on ...
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Homeowners Insurance
Does A Trampoline Affect Homeowners Insurance?
When shopping for a homeowners insurance policy, you’ll likely come across the question, “Do you have a trampoline?” At first glance, this does seem strange....
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Homeowners Insurance
Tiny House Insurance: How Much Do You Need
Tiny houses are becoming increasingly popular with many singles and even families today. A house is considered tiny if it’s under 400 square feet. That’s why tiny ...
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Homeowners Insurance
Does Homeowners Insurance Cover Termites
Termite infestation costs homeowners billions of dollars annually and can make houses unstable and uninhabitable. These tiny insects can make a feast out of your house, and yo...
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Homeowners Insurance
How to Switch Homeowners Insurance Policies
It’s easy to hold on to our insurance carriers for years without thinking about it. If it isn’t broken, don’t fix it. Your home insurance policy may not be b...
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Homeowners Insurance
Does Homeowners Insurance Cover Storm Flooding?
Your first concern with storm-related flooding is personal safety. Almost as many people die from flooding every year as hurricanes, tornadoes, and lightning combined. More pe...
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Homeowners Insurance
Is Smoke Damage Covered By Insurance?
Your insurance protects your home’s value in case of unfortunate events, like a break-in, a flood, or an earthquake. But what about smoke damage? Sure, your insurance ...
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Homeowners Insurance
Does Homeowners Insurance Cover Slab Leaks?
A slab leak occurs when plumbing under your foundation or in the concrete slab your home sits on springs a leak. If left unattended, slab leaks can lead to ruined flooring, mo...
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Homeowners Insurance
How Do You Know If Your Sewer Is Backed Up
A sewer backup can create havoc in a home, causing thousands of dollars in damage to flooring, furniture, walls, and electrical systems and potentially creating a serious heal...
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Homeowners Insurance
Does Homeowners Insurance Cover Septic Tanks?
If your home is built on a property that doesn’t have access to a city sewer system, you most likely have a septic tank system to handle your wastewater from toilets, sh...
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Homeowners Insurance
Does Home Insurance Cover Rainstorm Flooding?
If you remember Hurricane Katrina or Hurricane Harvey, you know how devastating flooding can be. But do you know how to prepare for flooding and to protect your home? And do y...
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Homeowners Insurance
Does Homeowners Insurance Cover Pool Leaks?
It’s a terrible feeling when you head outside to take a dip in your pool, and its six-foot depth has suddenly shrunk to five. It can be a stressful ordeal, but proper kn...
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Homeowners Insurance
How Much Does A Pool Raise Your Home Insurance?
Yes, you should expect an increase in your monthly homeowners insurance premium when you install a backyard swimming pool. It could be anywhere from $50 to a few hundred dolla...
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Homeowners Insurance
What is a PITI Payment vs. Standard Mortgage
What a PITI payment is, and how does it differ from traditional mortgage payments? How does adjusting the parts of your PITI payment affect the amount you owe? Can you reduce ...
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Homeowners Insurance
How to File a Homeowners Claim After a Pipe Burst
If you have ever seen a house being built, it’s much like the support system the human skeleton provides. Walls are held up by wood resembling bones. Snaking up, th...
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Homeowners Insurance
How to Pick a Home Insurance Agent
To find the right homeowners insurance agent, you should first determine whether you want them to work for a specific carrier or if they should be an individual agent. Agents ...
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Homeowners Insurance
My house is paid off. Do I need home insurance?
Most mortgage lenders require homeowners to maintain a home insurance policy as long as there is a loan on their house. Homeowners insurance covers the cost of repairs after a...
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Homeowners Insurance
When to Look For a New Home Insurance Policy
Is today a good day to look for home insurance? Only you can determine that. Unlike tire rotation or changing the batteries in your smoke detector, there’s no rule of th...
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Homeowners Insurance
Your Guide to Multi-Family Homeowners Insurance
If you’re the owner of a multi-family dwelling, it’s vital that you understand your options for insuring your property and that you know what’s covered under...
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Homeowners Insurance
How to Avoid Mold Caused by Water Damage
Imagine this scenario; you walk into your house after a long day at work. You discover water flooding over your countertops, streaming down your kitchen cabinets, and forming ...
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Homeowners Insurance
Does Homeowners Insurance Cover Mold
The answer to this question is – it depends. Generally speaking, mold damage is covered if caused by a covered peril. A mold claim will be denied if the mold is caused b...
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Homeowners Insurance
Homeowners Insurance Policies: What To Look For
When buying a new home, you often spend lots of time thinking about lenders and realtors, but another factor to consider is your home insurance policy. For most people, a hous...
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Homeowners Insurance
Insurance for Townhouse with HOA: What to Know
If you’re the owner of a townhouse that’s part of a homeowners association (HOA), you must understand the insurance requirements and options available. HOAs typica...
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Homeowners Insurance
Does Homeowners Insurance Cover Foundation Repair?
The foundation of a house is by far its most important component. It provides the base that keeps the house safe, and any damage to it–even minor–can have negative...
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Homeowners Insurance
How Much Homeowners Insurance Do I Need?
A homeowner typically requires their mortgage lender to have homeowners insurance. Many lenders require a certain amount of coverage. While you need to carry at least the mini...
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Homeowners Insurance
10 Reasons Home Insurance Rates Increase
It probably seems like your insurance rates are increasing every single year. You’re probably not wrong. There are many reasons your home insurance rates may increase ye...
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Car Insurance
7 Ways To Lower Your Car Insurance Premiums
Car insurance premiums are a necessary evil that no one wants to deal with. But having car insurance is essential to protecting you and your car. Whether you have full-coverag...
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Car Insurance
Does Your Credit Score Affect Your Car Insurance?
Wondering if your credit score affects your car insurance rates? If you have a great credit score, it leads to cheaper car insurance rates. You might not be aware that it is a...
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Health Insurance
What Insurance Covers Weight Loss Surgery?
Losing weight is never easy, especially if you have a lot of weight to lose. Sometimes exercise and diet aren’t enough, and you must look at other options. Bariatric sur...
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Health Insurance
Does Health Insurance Cover a Colonoscopy?
A colonoscopy is a preventative care screening test that helps detect colon cancer. Seeing the signs of cancer early enough makes it easier to prevent or treat cancer. Underst...
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Homeowners Insurance
Home Insurance Calculator: Estimate Your Rates
There is more to buying a home than the down payment and a mortgage payment. First, you must budget for recurring home ownership costs such as home insurance rates, property t...
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Homeowners Insurance
How Your Hurricane Deductible Works in Florida
Florida hurricane season runs from June 1 to November 30 and marks the highest risk for tropical activity in the Atlantic Basin. While hurricanes occur outside this period, 97...
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Homeowners Insurance
Restricted Dog Breeds For Homeowner’s Insurance
Owning a dog means you’re responsible for the damages it causes, whether digging in a neighbor’s yard or biting someone. Homeowners insurance provides coverage for the...
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Car Insurance
What To Do If Your Car Is Hit While Parked
Not all car accidents involve you moving at the time. Sometimes, someone may hit your car while parked, and you may not even be present when this happens. Read on to learn wha...
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Health Insurance
Can You Get Free Birth Control?
Birth control is a significant factor in women’s health. However, most sexually active women use a form of contraception at some point, and birth control can be expensive. I...
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Health Insurance
Name Brand Or Generic Prescription Drugs: How To Decide
Generic prescription drugs may cost 50% to 85% less than a brand-name drug for the same ailment. When you visit the pharmacy for a prescription, are you better off with a gene...
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Car Insurance
Best Second-Chance Auto Insurance Companies
If you’ve been denied car insurance or had your coverage revoked in the past, you may need to look into second-chance auto insurance policies. Read on to learn what it is, w...
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Car Insurance
12-Month Car Insurance Policies: Yay Or Nay?
No matter what car insurance coverage you want, from comprehensive coverage to property damage only, you may wonder if you should look for 12-month car insurance policies or i...
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Health Insurance
10 Essential Health Benefits Your Insurance Plan Needs
Did you know that the law requires your health insurer to cover a range of medical services? Here’s a look at your plan’s essential health benefits and why. ...
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Homeowners Insurance
Do You Need Temporary Home Insurance For Your Airbnb?
Airbnb is a popular site for people to rent their homes or apartments and make some extra cash. If you rent your home on Airbnb, it is essential to have temporary homeowners i...
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Homeowners Insurance
What To Do When Your Roof Leaks
Roof leaks often come with a tell-tale ceiling stain or water dripping down. When this happens, you need to take immediate action to minimize water damage, wood rot, and the p...
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Car Insurance
Worst Cities For Auto Theft (and the Best)
With over 880,000 vehicles stolen across the United States in 2020, you’re likely worried about your car. Theft rates look at the number of vehicles stolen per 100,000 r...
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Homeowners Insurance
Getting Home Insurance Without an Inspection
A home is the biggest purchase you’re likely to make, so it’s important to protect your investment — with homeowner’s insurance. If you’re purchasing a polic...
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Car Insurance
What’s a Car Insurance Deductible?
A deductible is the amount of money a person has to pay before their insurance kicks in. A car insurance deductible is the amount of money you must pay before your insurer sta...
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Homeowners Insurance
What Is Short-Term Rental Insurance?
Short-term rental insurance is a type of coverage you can purchase to protect your property from damage or theft. This coverage is usually available for rentals that are less ...
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Homeowners Insurance
When Should You Get Unoccupied Or Vacant Home Insurance?
Vacant home insurance is insurance coverage designed to protect your vacant property. It offers protection against vandalism, theft, and other damages. This type of policy is ...
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Health Insurance
Are There Tax Penalties For No Health Insurance?
The Affordable Care Act (ACA) mandated Americans have health insurance. The mandate included an IRS tax penalty, or shared responsibility payment, for non-compliance. Numerous...
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Health Insurance
COBRA Insurance: What You Need To Know
COBRA, known as the Consolidated Omnibus Budget Reconciliation Act of 1985, is a job-based health plan offered by an employer. Before COBRA insurance, employees were at risk o...
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Car Insurance
What’s Full-Coverage Car Insurance?
Car insurance protects you from financial liability if you get into a car accident. Full-coverage car insurance isn’t a type of policy itself, but it means you have all ...
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Car Insurance
What Is Personal Injury Protection Coverage?
Personal injury protection auto insurance is known as “no-fault insurance.” It pays for your medical bills and any rehabilitative costs that you or your passengers may hav...
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Car Insurance
How Much Liability Car Insurance Do You Need?
Liability is a fancy-sounding word, but it primarily means “responsibility.” There are different types of liability insurance for vehicle owners. Let’s dive ...
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Car Insurance
What Is Liability-Only Car Insurance?
Car insurance protects you against having to pay for damage and injuries relating to an accident. Most states mandate that you have a minimum level of car insurance by law. Th...
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Car Insurance
Actual Cash Value vs. Replacement Cost
The next time you examine the declarations page of an auto insurance policy, be sure to read the fine print to learn how you would be reimbursed in the future for property los...
5 MIN READ
Health Insurance
How to Find Low-Cost Individual Health Insurance
Finding low-cost individual health insurance can be costly if you don’t know where to look. The main issue many people run into is finding a balance between the price an...
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Health Insurance
Guide to Domestic Traveling with Health Insurance
Traveling with health insurance can be tricky. Medical bills that aren’t covered by insurance can financially haunt patients for years. Unfortunately, insurance issues and m...
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Health Insurance
Health Insurance Coverage for the Self-Employed
Being an entrepreneur is exciting because you are passionate about what you do and are the one running the show. It can be one of the most rewarding experiences of your life. ...
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Health Insurance
Family Health Insurance Plans Explained
Family health insurance works the same way as individual health insurance. The only difference is it covers multiple people. Because of this, they often have a higher deductib...
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Health Insurance
Getting an Individual Health Insurance Plan
Open Enrollment begins soon. If you’re interested in signing up for an insurance plan, don’t go into it uninformed. Learn how it works, the cost, and what you need...
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Car Insurance
Common Car Insurance Risk Factors
Owning and maintaining a car is difficult as it is without having to worry about all of the car insurance risk factors that cause premiums to rise. Multiple factors play a rol...
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Car Insurance
10 Types of Car Insurance Policies
Whether you just purchased a new car or are looking at choices to renew your insurance, purchasing car insurance is an essential step before taking out your vehicle for a driv...
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Car Insurance
Switching Car Insurance Policies: 6 Signs It’s Time
There are numerous reasons to consider switching car insurance policies. Whatever your reason, switching vehicle insurance policies could save you hundreds annually. Is ...
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Car Insurance
Guide on How to Get Car Insurance with an SR-22 Filing
Unless you run into legal trouble, you will likely never hear about an SR-22 form or its relationship to auto insurance. But if or when you do, you will need to know what an S...
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Car Insurance
How to Get Auto Insurance with a Previous Claim
Prior claims will undoubtedly affect the cost of your auto insurance premium, but it doesn’t have to be the end of the world. To think that you will altogether avo...
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Car Insurance
What is Non-Standard Auto Insurance, and How Do I Get It?
Insurance companies use algorithms to estimate risk and determine how much they will charge their drivers. The drivers assign three risk levels: preferred, standard, and non-s...
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Car Insurance
DWI vs DUI: Which Impacts Your Auto Insurance More
A DWI or DUI are three words that can cause the blood to run cold in your body. No one ever wants to hear them because it usually means they are in some trouble. Mainly these ...
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Car Insurance
Can I Get Auto Insurance Without a Credit Check?
California, Hawaii, and Massachusetts have banned using credit scores to determine insurance risk. If you live in those 3 states, you can get car insurance without a credit ch...
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Car Insurance
How to Find Cheap Car Insurance for New Drivers
It is not surprising that new drivers typically pay more for car insurance than seasoned drivers with more experience. Unfortunately, new drivers on the road have difficulty f...
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Car Insurance
Does Transmission Type Affect Your Car Insurance Rates?
The debate of what car transmission is better – automatic or manual? This article examines different transmission types and whether they affect your car insurance rates....
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Homeowners Insurance
Flat Roof House Insurance Coverage Guide
Flat roofs are a staple of contemporary residential architecture. They can provide homeowners with additional outdoor living space or amenities like a rooftop garden. But it i...
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Car Insurance
Car Insurance Add-Ons You Should Consider
When shopping for car insurance, it’s easy to get overwhelmed by the options. But if you’ve got a classic car, some add-ons can make a difference. Keep reading to ...
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Car Insurance
What To Do If Your Auto Insurance Policy Is Canceled
Out of nowhere – or perhaps not – your auto insurance provider decided to drop your coverage. You are probably feeling some frustration and confusion. You might ha...
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Car Insurance
Common Discounts on Auto Insurance
Auto insurance can be expensive at times – especially if you have multiple cars, multiple drivers, or multiple accidents. However, it’s a legal requirement to have...
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Car Insurance
The Best Car Insurance For Bad Drivers
Have you finally concluded that you may not be the best driver amongst your family and friends? If the answer is yes, you’re in the right place. Below we’ll d...
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Homeowners Insurance
What Are Home Insurance Coverages A-F?
A home insurance policy typically has six coverage types. If you want to know more about insurance coverage types, their limits, and how they apply, read on. Home Insurance Co...
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Health Insurance
Complete Guide on All Types Of Health Insurance Plans
Health insurance plans come with choices, and costs without healthcare are astronomical. If you’re in the market to look for healthcare plans, you’ll see all kinds of opti...
5 MIN READ
Homeowners Insurance
California Earthquake Insurance: What You Need to Know
Despite California holding a reputation as the earthquake capital of the United States, only about 10% of its residents have earthquake insurance. This leaves about 90% of Cal...
5 MIN READ
Homeowners Insurance
Do Home Insurance Premiums Increase After a Claim
A homeowners insurance policy offers peace of mind if your home is damaged or destroyed in a covered event. But filing a homeowner’s insurance claim might cause your rat...
5 MIN READ
Health Insurance
Finding Health Insurance With Pre-Existing Conditions Coverage
As of April 2022, everyone in the U.S. with a pre-existing condition is protected by the Affordable Care Act (ACA). However, there are some health insurance plans and conditio...
5 MIN READ
Car Insurance
Do You Have Hail Insurance For Your Car?
Hailstorms can happen at any point of the year and cause severe damage to homes, streets, and vehicles. It’s possible that heavy hail can cause large dents, chipped pain...
5 MIN READ
Homeowners Insurance
Top 5 Spring Home Insurance Claims and How to Avoid Them
Spring is the perfect time to ensure that your home is in tip-top shape. While you’re sprucing up your space, it’s important to do some preventative maintenance. T...
5 MIN READ
Homeowners Insurance
What is Dwelling Coverage, and Do You Need It?
You might ask yourself, “what is dwelling coverage, and do I need it?” First, knowing what a dwelling is is essential before determining whether you need dwelling coverage...
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Homeowners Insurance
What is Additional Living Expenses Coverage?
Additional living expenses coverage is a regular part of a standard homeowner’s or renter’s insurance policy. Learn what it covers and when you need to file a claim. What ...
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Homeowners Insurance
What Is Medical Payments Coverage For Home Insurance?
What happens when someone gets injured in your home? Most renters and home insurance policies include personal liability coverage to help you avoid paying legal fees. But what...
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Homeowners Insurance
What is Personal Liability Coverage for Home Insurance?
Do you ever think about what would happen if an accident occurred at your home? For the most part, homeowner’s insurance policies include personal liability coverage. This i...
5 MIN READ
Homeowners Insurance
Average Cost of Home Insurance
Some mortgage lenders require homeowner’s insurance with loans, which leaves potential homeowners scrambling for the best rates. Keep reading for the average cost of homeown...
5 MIN READ
Car Insurance
What Is Comprehensive Car Insurance?
Understanding car insurance is challenging, but it’s essential to help you pick the best option. Making the best choice now can save you from major financial issues down the...
5 MIN READ
Homeowners Insurance
Does House Insurance Cover Water Damage?
Water damage doesn’t always involve a burst pipe or leak; many types of water damage may cause serious structural issues, like mold growth, rusting of steel, and more. So, d...
5 MIN READ
Car Insurance
Paying High Rates For Car Insurance? (58% Of Drivers Think They Overpay)
If you believe you’re high rates for car insurance, you’re not alone. According to a recent Forbes Advisor survey of 2,000 drivers, 58% say they overpay for auto insurance...
5 MIN READ
Homeowners Insurance
Does My Homeowners Insurance Cover Boats?
Homeowner’s insurance policies and what they cover can be confusing. Quite often, what you think is covered is not (or only partially) and what you don’t think is covered ...
5 MIN READ
Homeowners Insurance
Does Homeowners Insurance Cover AC Units
The AC unit in your home may fail or be damaged for several reasons. Getting it fixed can be expensive, and getting it replaced can be more than you can afford now. Hopefully,...
5 MIN READ
Health Insurance
States Where Health Insurance Costs the Most & Least
Understanding health insurance is a challenge, particularly when looking for a plan to insure your entire family. Most full-time employers offer health care coverage, but how ...
5 MIN READ
Car Insurance
Are You Really Ready For an Electric Vehicle?
If gas prices are giving you the blues, you’re not alone. You might think it’s time to buy an electric vehicle, but are you ready for it? There are pros and cons to purcha...
5 MIN READ
Homeowners Insurance
8 Kitchen Renovation Projects That Increase Home Value
Kitchen renovations are a great way to add value to your home. When you invest in kitchen renovations, you’re not only improving your kitchen to make it more functional ...
5 MIN READ
Homeowners Insurance
6 Mistakes To Avoid When Buying and Flipping Houses
Flipping houses can be a tricky business. You buy a house needing remodeling, invest in a renovation, and then sell it with the added value on the market for a profit. While i...
5 MIN READ
Car Insurance
How to Work With an Auto Insurance Claims Adjuster
The last thing you want to do is worry about an auto insurance adjuster when you’re in an accident. An insurance adjuster is an employee who will review your claim, and ...
5 MIN READ
Homeowners Insurance
What Higher Reconstruction Costs Means For Home Insurance
If your home is destroyed, you need the most financial assistance from your insurance possible. Especially with inflation surging, you need to make sure you get the coverage y...
5 MIN READ
Car Insurance
5 Cars That are Easy to Get In and Out
If you want a car that’s easy to get in and out of, SUVs are some of the most accessible vehicles on the market. They are also great for disabled people because they are...
5 MIN READ
Car Insurance
14 Tips For Getting Your Luxury Sports Car Spring Ready
Spring is a time to clean, get organized, and enjoy the warmer weather. It is also a time to ensure your luxury sports car is ready for the season. Check out these useful tips...
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Car Insurance
Does My Car Insurance Include Rental Cars Coverage?
Sometimes, you have no option but to rent a car. Whether in an accident or traveling, renting a car is expected. You may wonder if your car insurance covers rental cars, too. ...
5 MIN READ
Car Insurance
Rental Car Insurance: What You Should Know
A rental car can be more convenient than using rideshare apps or waiting for public transportation. But rental car insurance and other hidden charges can quickly make a dent i...
5 MIN READ
Car Insurance
Car Rental Insurance: What You Need To Know
You’re already spending a lot of money on accommodations and travel when traveling. Will car rental insurance drive up the price? Or is it an investment to save your ban...
5 MIN READ
Homeowners Insurance
Does Home Insurance Cover Roof Leaks?
If you have a leak in your house, you might be wondering if your home insurance covers that. While a leak is an event no homeowner wants to deal with, you may be able to avoid...
5 MIN READ
Homeowners Insurance
Top 5 States for Dog Bite Claims
Owning a dog comes with challenges since millions of people are bitten every year. Homeowners and renter’s insurance policies usually cover dog bite expenses. However, if th...
5 MIN READ
Car Insurance
Motorcycle Insurance Policy Explained
If you own a motorcycle, you know that motorcycle insurance covers you and your bike in case of an accident. However, you may not know that motorcycle insurance is required, e...
5 MIN READ
Car Insurance
How to Find Cheap Motorcycle Insurance
Almost every state in America requires anyone with a motorcycle to carry insurance. Here are some helpful tips to help you find cheap motorcycle insurance that fits your needs...
5 MIN READ
Car Insurance
Motorcycle Inspection Checklist: Get Your Bike Ready
Spring is a great time to take your motorcycle out for a spin. But before you head out, it’s important to ensure your bike is safe and ready for the season. This motorcycle ...
5 MIN READ
Car Insurance
Safest SUVs and Safety Features in 2022
SUVs are popular because they provide a happy medium between a car and a truck. SUVs and crossover vehicles comprise over 50% of the market. If you’re looking for a bran...
5 MIN READ
Homeowners Insurance
3 Ways to Increase Front Yard Curb Appeal
Having a visually pleasing front yard is almost as important as what the inside of your home looks like. Although, many people think it costs thousands of dollars or hours of ...
5 MIN READ
Homeowners Insurance
What Is a Homeowners Insurance Deductible?
A homeowners insurance deductible is what you agree to pay out of pocket for a loss or repair that’s covered by your policy. Suppose you have a $2,500 deductible, and the to...
5 MIN READ
Homeowners Insurance
Driveway Insurance: What Is It and Do You Need It?
Driveway insurance is typically included as part of your home insurance policy. Depending on your policy, it’s either included as part of your dwelling coverage or your othe...
5 MIN READ
Homeowners Insurance
Tornado Damage and Home Insurance Explained
If you live in an area prone to tornadoes, you might wonder if your home insurance covers tornado damage. The answer is maybe. In some cases, you need a specific endorsement f...
5 MIN READ
Homeowners Insurance
Solar Panel Insurance: What You Need to Know
Considering making the switch to solar? After reviewing how solar energy works, the pros and cons, and other things to consider, you’ll be able to make an informed decision....
5 MIN READ
Homeowners Insurance
Types of Homeowners Insurance Policies
Homeowners’ insurance is an essential policy to have. It protects against damage to the home and provides liability coverage should you need it. It gives you financial p...
5 MIN READ
Homeowners Insurance
What is Personal Property Insurance?
When you buy home insurance, it’s mostly to cover the structure of the building. Usually, it also provides some level of property coverage too. However, if you have specific...
5 MIN READ
Health Insurance
What’s a Flexible Spending Account?
Healthcare benefits can be confusing, but they are essential to help you take control of your physical health and finances. One common benefit employers offer is a flexible sp...
5 MIN READ
Health Insurance
HSA vs FSA: What’s the Best Option
Even if you have good health insurance, there are bound to be expenses you have to pay. This can include deductibles, prescriptions and medical supplies that aren’t covered,...
5 MIN READ
Car Insurance
Non-Owner Car Insurance: What Is It and Do You Need It?
Have a driver’s license but don’t own a car? You might want to consider non-owner car insurance. This way, you know you’re covered regardless of whose vehicle you’re d...
5 MIN READ
Car Insurance
Rideshare Insurance: What Coverage Do Drivers Need?
If you have a driving gig, rideshare insurance can provide the coverage you need in case of an accident. Learn all about rideshare insurance before you get started. Considerin...
5 MIN READ
Car Insurance
How to Get Proof of Auto Insurance and Why You Need It
It’s essential to have specific driving documents, including driver’s licenses, proof of auto insurance, and vehicle registration. This way, you have everything you need i...
5 MIN READ
Homeowners Insurance
How to Find Affordable Home Insurance
Whether you’re shopping for your first house or you’re already a property owner, it’s vital to know the ins and outs of home insurance. Not only does homeowners insuranc...
5 MIN READ
Homeowners Insurance
Mobile Home Insurance: What You Need to Know
Mobile homes are a popular path to affordable homeownership because they are more cost-effective per square foot. However, homeowners insurance and mobile home insurance aren...
5 MIN READ
Homeowners Insurance
How to File a Home Insurance Claim
Filing a home insurance claim can be stressful, but it doesn’t have to be. In fact, some companies allow you do it online. Learn more about filing a home insurance claim, in...
5 MIN READ
Health Insurance
How Do Virtual Physician Visits Work?
While virtual physician visits have been around for some time, it wasn’t until the Covid-19 pandemic that they became famous. There will always be a need for in-person docto...
5 MIN READ
Car Insurance
DoorDash Drivers: What Kind of Car Insurance Do You Need?
If you’re a DoorDash driver, you must ensure additional insurance to your standard policy. Your normal coverage won’t cover you while using your car for business purposes....
5 MIN READ
Homeowners Insurance
Do You Need Dog-Friendly Homeowner’s Insurance?
While your pet may seem calm and well-trained with everyone in the family, it can still become scared or excited with strangers. To ensure you don’t end up with a large ...
5 MIN READ
Homeowners Insurance
Do Home Insurance Policies Cover Pet Damage?
If you come home and discover your pet caused damage to your home, you might wonder if your homeowners insurance covers it. Learn whether it does, what effect having a pet has...
5 MIN READ
Homeowners Insurance
What Does a Home Insurance Policy Cover?
A home insurance policy protects your house, your belongings, and your family from a variety of different losses. But many people find their home insurance difficult to unders...
5 MIN READ
Homeowners Insurance
Choosing a Homeowners Insurance Deductible
Your insurance deductible is the money you agree to pay before your insurance provider pays a claim. Choosing the right deductible is important to get the best insurance polic...
5 MIN READ
Car Insurance
How To Get Cheap Same-Day Car Insurance
Usually, car insurance is something that you get in advance. You typically know when your policy runs out and plan accordingly. On occasion, you may find yourself in need of c...
5 MIN READ
Homeowners Insurance
Best Mobile Home Insurance for 2022
If you live in a mobile home, you need home insurance. It’s not the law, but it’s a sensible idea to protect yourself from liability and your belongings should anything ha...
5 MIN READ
Health Insurance
Your Annual Physical Exam Checklist
Preventative healthcare measures like a good diet and regular exercise are essential health benefits, as are annual physical exams. Through consistent annual check-ups, many s...
5 MIN READ
Car Insurance
What is Collision Car Insurance and When Do I Need it
If you own a car, insurance is a must. Every state has laws that require it. However, the state minimum requirements only demand you have coverage for damage or injuries that ...
5 MIN READ
Health Insurance
What’s a Health Savings Account (HSA) and Should You Get One?
A Health Savings Account (HSA) can be a great way to save for medical expenses and reduce your taxable income. However, the health insurance plan that HSAs require isn’t for...
5 MIN READ
Health Insurance
Are High-Deductible Health Plans Good or Bad
Choosing the proper health insurance plan can be mind-boggling. It can be difficult to decide which is best between PPOs, HMOs, and high-deductible plans. Let’s look at...
5 MIN READ
Car Insurance
Car Maintenance Checklist
Many people consider their car an essential part of their lives. They depend on it for everything — taking the kids to school, getting to and from work, and running errands....
5 MIN READ
Car Insurance
How to Get Car Insurance Without an Address
Obtaining car insurance could be challenging if you don’t have a permanent residence. Car insurance companies use your address to gauge your location’s risks and the a...
5 MIN READ
Health Insurance
Guide to Annual Physical Exams for Health Insurance
It can be easy to skip your annual physical exam when you feel fine. However, even when you are feeling perfectly healthy, there are still plenty of reasons you should k...
5 MIN READ
Car Insurance
Car Insurance for College Students: What You Need to Know
Between tuition and textbooks, college isn’t exactly easy on the wallet. Unsurprisingly, dealing with car insurance for your teen isn’t always on the top of the to-do list...
5 MIN READ
Car Insurance
Best Cheap Car Insurance for All Types of Drivers
Holding at least some level of car insurance is mandatory in most states. Car insurance can cost a lot of money, but there are ways to find cheap deals on your insurance. Read...
5 MIN READ
Car Insurance
How to File a Car Insurance Claim
For most people, car insurance is a pesky added cost of owning a car. Many people will, luckily, never have to use it. Unfortunately, there may come a time when you have to fi...
5 MIN READ
Car Insurance
5 Things You Need To Do Right After a Car Accident
Car accidents are one of the most stressful things you can go through in your life. However, it’s important to remain calm and composed after a car accident so that you ...
5 MIN READ
Car Insurance
What Determines the Average Cost of Auto Insurance
When you’re looking to insure your car, you want to know that you’re getting the best deal. To know this, you’ll probably look at the average cost of insurance and try t...
5 MIN READ
Car Insurance
Can You Get Car Insurance with a Driver’s Permit?
The short answer? Yes, you can get car insurance with a driver’s permit. If you’re aiming to purchase your car insurance and still only have your learner’s permit, you m...
5 MIN READ
Car Insurance
Does the Color of Your Car Affect Your Insurance Rates
When you decide to buy a vehicle, sometimes color is important. Maybe you always imagined having a red sports car or a bright yellow Jeep. Car color is a huge preference. But ...
5 MIN READ
Homeowners Insurance
Can Roommates Split Renters Insurance?
Many companies allow you to add your roommate to your existing renter’s policy, but there are many things to consider. Here is a breakdown of how adding a roommate affects y...
5 MIN READ
Homeowners Insurance
Buying a Condo: 6 Things to Consider
A condo can be a great investment if you’re aiming for a smaller living space in a particular neighborhood or prefer not to deal with yard work. Let’s review the differenc...
5 MIN READ
Car Insurance
New Car Buying Guide
Buying a new car is exciting. Unfortunately, it’s so easy to get caught up in test-driving cars and envision yourself driving the shiniest model off the lot that you acciden...
5 MIN READ
Car Insurance
Safety Features That Lower Car Insurance Premiums
Many newer cars come with fancy technology, either as standard or as an optional add-on. While most of them are designed to make you safer on the road, does this added safety ...
5 MIN READ
Car Insurance
Can You Get Car Insurance With a DUI?
If you’ve been convicted of a DUI, you will likely find it more difficult to obtain car insurance. A DUI means you’ve been caught driving under alcohol or drugs. If you’...
5 MIN READ
Car Insurance
Does Car Insurance Cover Flooding?
During flash floods, hurricanes, or heavy rainstorms, rising water levels can seep into vehicle engines and interiors, causing substantial damage. Flooded cars may be severely...
5 MIN READ
Homeowners Insurance
Is a Pool Covered Under Homeowner’s Insurance?
Swimming pools come with many liabilities – both in the risk of someone getting injured at your pool and damage happening to your pool. These costs can sometimes be expe...
5 MIN READ
Homeowners Insurance
What Does a Renters Insurance Policy Cover?
A renters insurance policy may seem confusing, but it’s standard across all insurance companies. Here is a breakdown of what renter’s insurance will cover for you, wha...
5 MIN READ
Car Insurance
How Car Insurance Rates for New vs. Used Vehicles Differ
When buying a car, one of the things you need to consider is how your purchase will affect your car insurance rates. A vehicle’s age is one factor that comes into play w...
5 MIN READ
Homeowners Insurance
House Fires: Homeowner’s Top Concern
House fires for homeowners can ignite in an instant with devastating effects. And not only do house fires endanger everyone in the home, but even small fires that are quickly ...
5 MIN READ
Car Insurance
How Vehicle Age Affects Your Car Insurance Rates
Many things impact your car insurance rates, such as how long you’ve had your license, your age, and even your gender. But did you know that the age of your vehicle can affe...
5 MIN READ
Car Insurance
Does Car Insurance Cost More For Women or Men?
How often have you heard that car insurance costs more men than women? It’s well-spread that insurance companies view women as safer drivers and give them a break when i...
5 MIN READ
Car Insurance
Why Did My Car Insurance Go Up?
Nobody intentionally gets into a car wreck, but sometimes accidents happen. Thankfully, most people have auto insurance (since it’s illegal not to) and so the insurance comp...
5 MIN READ
Health Insurance
Health Insurance For 26-Year-Olds Who Lost Their Parent’s Insurance
Turning 26 soon? Let’s review everything you need to know about health insurance for 26-year-olds, from understanding insurance verbiage to selecting your best plan. Turning...
5 MIN READ
Homeowners Insurance
4 Reasons You Need a Home Inventory
No one ever considers the importance of a home inventory until they need one. Cataloging all your possessions probably sounds about as exciting as watching paint dry. After al...
5 MIN READ
Car Insurance
Find the Best Car Insurance for Your Kids
Driving and having a car can be costly, especially for teens. Not only do you have to consider the initial expense of a vehicle, but also the cost of your insurance premiums....
5 MIN READ
Homeowners Insurance
What is Hazard Insurance & How Does It Work
If you’re purchasing a home, you may hear the term hazard insurance throughout the process. Hazard insurance is an essential piece of your homeowner insurance policy and...
5 MIN READ
Car Insurance
How to Get Car Insurance Without a License
Car insurance is an absolute necessity if you drive. In most states, it’s the law. Car insurance protects you and others from paying out for injury or loss of a vehicle. The...
5 MIN READ
Car Insurance
Guide on How To Pick an Auto Insurance Agent
Finding the right kind of coverage at an affordable price can be challenging when looking for auto insurance. But one thing that can help in your search is finding a good insu...
5 MIN READ
Homeowners Insurance
Do I Need Earthquake Coverage?
Earthquake insurance is an optional add-on to your existing home insurance to cover your home from damages caused by an earthquake. The law doesn’t require earthquake co...
5 MIN READ
Homeowners Insurance
What Is Flood Insurance and Do You Need It?
Flood insurance is an additional policy that helps pay for the cost of repair or replacement for parts of your house and any belongings damaged by flooding. It isn’t a r...
5 MIN READ
Homeowners Insurance
Should I Get Homeowners Insurance or Landlord Insurance?
So you have bought a home and are crossing off the checklist of what new homeowners must do. Purchasing homeowners insurance is on this list. The difference between homeowners...
5 MIN READ
Car Insurance
How to Switch Car Insurance Companies
Switching car insurance companies is a lot easier than most people may think it is. Unlike health insurance (which can be a stressful change that requires a lot of review and ...
5 MIN READ
Car Insurance
What to Look for in an Auto Insurance Policy
All drivers across the country are mandated to have auto insurance, and with good reason. If your car is stolen, damaged, or involved in an accident, auto insurance mitigates ...
5 MIN READ
Car Insurance
How To Protect Your Car From Hail Damage
At any point in the year, intense weather conditions can cause severe damage to homes, cars, and neighborhood streets. An unexpected hailstorm can severely damage your car by ...
5 MIN READ
Homeowners Insurance
Why You Should Require Renters Insurance From Your Tenants
What is Renter’s Insurance? A renter’s insurance policy refers to a group of insurance coverages meant to help protect house and apartment renters in the case of u...
9 MIN READ
Homeowners Insurance
6 Potential Pitfalls of Insuring an Older Home
Shopping for a new home is always exciting. If history and character are at the top of your “must-have” list, you’re likely perusing vintage beauties over co...
5 MIN READ
Homeowners Insurance
20 Home Insurance Claim Mistakes to Avoid
So, you need to file a home insurance claim. Your house – whether it’s one you’ve invested in, one that your family has lived in for countless years, or a sh...
5 MIN READ
Homeowners Insurance
Will My German Shepherd Raise My Homeowners Insurance?
If you own a German Shepherd, your dog may or may not increase the cost of your homeowners insurance. It depends on several factors, including what state you’re in and w...
5 MIN READ
Homeowners Insurance
Surprise! This Part of Your Home May Not be Covered
Have you ever read Tolstoy’s War and Peace? It’s a piece of cake compared to reading and fully understanding the typical homeowner insurance policy. Consumers are ...
5 MIN READ
Homeowners Insurance
24 Ways to Lower Your Homeowners Insurance Premiums
Ahhh, premiums. One of the necessary and unpleasant evils of modern homeownership. You might only file a claim with your home insurance company once every ten years, but you&#...
5 MIN READ
Homeowners Insurance
19 Home Insurance Questions to Ask When Purchasing A Home
Finding a plan that’s a good balance of wide coverage and low costs might take a while. But knowing your home inside and out and exactly what you want from a contract wi...
5 MIN READ
Homeowners Insurance
What To Do After A Major House Fire
Here’s what happened to us and what I wish I had known before our house fire. The Fire I was asleep when the fire started on the covered patio outside my home. My wife w...
5 MIN READ
Homeowners Insurance
How to Get Homeowners Insurance with a Bad Roof
A roof is one of the most important parts of a building. It protects the interior and exterior of a building from water, snow, wind, and other elements. If you notice any dama...
5 MIN READ
Homeowners Insurance
Homeowner Claims Public Adjusters: Friend or Foe?
In theory, Public Adjustors, not to be confused with insurance adjusters, are like referees in a pro football game. Their job is to make sure both teams (customer and insuranc...
5 MIN READ
Homeowners Insurance
Can You REALLY Save Money Bundling Home & Auto Insurance?
The answer to this question is yes – to an extent. Most insurance companies will offer discounts for bundling homeowners and auto policies, but it’s important to s...
5 MIN READ
Homeowners Insurance
How to Pick a Water Restoration Company Fast
Did you know that nearly a quarter of all home insurance payouts are for water damage claims? That’s over $10 billion per year! Water damage is the 2nd most common type ...
5 MIN READ
Homeowners Insurance
Is Home Insurance With a Pit Bull Higher?
Owning a house with a white picket fence and a two-car garage is nice, but for some people, but for others, the dream isn’t picture perfect until they add a dog. ManR...
5 MIN READ