Does Climate Change Affect Your Homeowners Insurance?

Absolutely, yes. Climate change will affect your homeowner insurance over the upcoming years in a myriad of ways. Whether these changes manifest as increasing premiums, reduced coverages, new exclusions, non-renewals, or a combination of all these points, property owners in the US can expect to see significant changes to their home policies. In this article, […]

Homeowners Insurance Endorsements – All You Need to Know

Homeowner’s insurance endorsements are extra coverages you can buy to protect yourself, financially. Not every consumer needs endorsements. But some do, and it’s our goal at Einsurance.com to make sure everyone gets the right insurance for their situation. So, if you’re curious about homeowner’s insurance endorsements, or if you’re wondering about prices, keep reading. We’ll […]

How to Cancel a Life Insurance Policy

For many Americans, life insurance is a staple in their financial plans. Still, life situations change, and economic changes happen around us all the time. Suddenly, you find yourself asking, “How do I cancel a life insurance policy?” If you’re ready to cancel your life insurance policy, or if you’re wondering if this is the […]

What’s the Difference Between Home Insurance and a Home Warranty?

Home insurance and home warranties are not the same. Each provides different protections, and some homeowners feel more comfortable if they have both types of policies. This article aims to explain the differences between homeowner’s insurance policies and home warranties. Written by our team of licensed insurance agents, this piece provides consumers with unbiased, honest, […]

Does Homeowners Insurance Cover Hail Damage?

Usually, yes. Homeowners insurance will often cover hail damage. There are instances when your insurer may refuse to cover hail damage. For instance, if hail is excluded on your policy, or if your home insurance policy was recently cancelled for non-payment, you will likely pay for these repairs out of pocket. At Einsurance.com, we provide […]

Domestic Partner Health Insurance Explained

Legislation surrounding civil unions, same-sex marriages, domestic partnership, and health insurance change often. Laws vary from state to state and can be altered at any time. At Einsurance.com, we aim to provide readers with accurate, up-to-date information written by licensed individuals. However, it’s critical to pay attention to changes in your specific state. The information […]

Finding the Best Car Insurance for Seniors

The best car insurance for seniors will vary from state-to-state and from one individual driver to the next.That’s because we all have unique needs, vehicles and driving histories. Whether you’re looking for the cheapest car insurance for senior citizens or wondering if your car insurance prices will go down when you retire, the experienced team […]

The Average Cost of Life Insurance – What You Need to Know

As of November 2023, the average cost of life insurance is $23 per month for a 10-year contract that supplies a death benefit of $250,000, per MoneyGeek.com. That price is for a young, healthy adult male who doesn’t use tobacco or work in a dangerous setting every day. But there are so many details at […]

How Does Family History Affect Your Life Insurance Premiums?

Life insurance can serve several roles in your financial plans. For most people, it’s a reliable way to create an instant estate for their loved ones, should disaster strike. Depending on the type of policy you buy, life insurance can help you save for retirement, build savings and access to cash in emergencies, and protect […]

Does Homeowners Insurance Cover Dorm Rooms?

Generally, yes. Your homeowners insurance policy (HOP) will cover many of your child’s belongings while they’re away at college, as long as they’re living on campus. It will not cover them in off-campus student housing or other apartments. However, the coverages supplied by a traditional HOP may be quite limited. For instance, coverage on expensive […]

Does Car Insurance Cover Battery Replacement?

No usually, no. Car insurance does not cover battery replacement for a dead battery. However, insurance might help pay for batteries damaged in accidents, or stolen batteries, depending on your policy and the situation. Whether you drive an old truck, a sports car, a hybrid or an electric vehicle (EV), in the realms of auto […]

Insuring Your Home in an HOA Community

Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s important to understand the effects it can have on the kinds of insurance coverage you need. When you live in an […]

Does Car Insurance Cover Flood Damage?

You’re wondering if car insurance covers flood damage to your vehicle. And, like most questions related to auto insurance, the answer is somewhat complicated. It depends on the type of policy you buy. Today, our team of licensed insurance agents is here to explain when flood damage and water damage are covered by an auto […]

Does Your Small Business Need Cyber Insurance?

When even big hitters like Experian are hacked, it makes the news. If a small business suffers a cyber attack we don’t necessarily hear about it, but it happens. Stolen data can cost a company a lot of money, no matter their size. A small business, however, is more vulnerable and runs the risk of […]

Does Health Insurance Cover Sleep Disorders?

Generally, yes. Health insurance does cover sleep disorders, sleep studies and sleep disorder treatments. Depending on the type of health insurance you have, you may need to pay a deductible for sleep studies and treatments. And if you have Medicare, your primary physician must refer you to a sleep clinic with a statement that your […]

What Is Forced Placed Insurance?

Forced placed insurance exists to protect lenders, and it’s sometimes called lender placed insurance. Forced placed insurance can be purchased by a lender to cover a home, an auto, an RV, and even boats and planes. This type of insurance is bought by the lender when a consumer’s policy lapses, gets cancelled, or is non-renewed. […]

How To Find A Good Doctor In Your Area

Whether you’ve moved to a new area or have changed health insurance providers, getting a primary doctor is a priority. Finding a physician you trust and feel comfortable with takes a little research. Before you begin your search, make sure you understand the requirements of your health insurance. With most providers, you must choose a […]

Does Home Insurance Cover Natural Disasters?

Homeowner’s insurance covers many — but not all — of the perils your home might endure. If you’re wondering if home insurance covers natural disasters, you’re in the right place. Today, our team of licensed insurance agents is here to explore the perils covered by a traditional home insurance policy, and help you decide if […]