Nothing about divorce is easy. If you’ve relied on your spouse for group health insurance through their employer, you’ll need to find new health insurance after your divorce. You’ll need to move quickly, too. Because the moment your divorce is final, his or her health insurance provider no longer recognizes you as a spouse. If […]
The accident forgiveness endorsement is a relatively new rider available with some auto insurance companies. It’s not available in every state and may not be available for all drivers. You can add this rider to your standard auto policy. Or it might be built into a standard policy depending on your insurer. Either way, it’s […]
What Is A Car Insurance Endorsement? A car insurance endorsement is an additional coverage you can buy to add special perks to your auto insurance policy. Sometimes you’ll hear them called “riders.” Car insurance endorsements usually last for the entire auto policy period and need to be renewed at the same time. If your current […]
The penalties for driving without auto insurance vary from state to state, but they’re all serious. And they’re often expensive. Today we’ll cover the results of getting caught driving without insurance. From the most straightforward issues like getting a ticket, to cascading effects on your future car insurance premiums and car payments, and even jail […]
Private health insurance costs vary. The only way to know what private health insurance will cost you, as an individual, is to get a quote. But before you do that, you might want to learn how insurers plan your rates. Some US plans are more affordable. Others are expensive but provide more extensive coverage for […]
Thinking about dropping your car insurance? Depending on your insurance company and how you pay your premiums, you might be able to get a refund. If you cancel your current policy before it expires, you will likely receive a refund. How to Qualify for a Refund A refund is usually available to you if you […]
Car Insurance for Married Couples It’s not pretty like a wedding gown, or as exciting as a Hawaiian honeymoon. But it can be essential to your marriage financially: car insurance for married couples. Points to Ponder Consider these topics when you are going to buy car insurance for married couples: Joint policy vs. separate policies […]
Everyone makes mistakes. And innocent errors or emergencies may lead to a car insurance cancellation. If your car insurance is cancelled, you need to act quickly to fix the situation. In most states, auto insurance is required to drive a car. Today, we’ll cover some reasons for car insurance cancellation, how cancellations are different from […]
Yes. Homeowner’s insurance will cover many renovations as part of your home. Still, there are a few caveats we should explore. Let’s be sure we’re using the right terms for your home upgrade to be certain we’re answering your question clearly. Before we get any further, know that a homeowner’s insurance policy will only pay […]
HRA Vs HSA: What’s the Difference? If you wish to take better control over the money you spend on health care, consider a couple of health savings options: a health savings agreement (HSA) and a health reimbursement account (HRA). Both are often tied to employer-based benefits. HSAs and HRAs: Employer-sponsored Help offset your medical costs […]
After weeks of searching through listings and going back and forth with agents, you’ve finally settled on a price for your dream home. You are almost at the finish line! The next step is to protect your investment with homeowners insurance. But exactly how much coverage should you get? The cost of homeowners insurance can […]
Liquor Liability Insurance – What Is It? From fine dining restaurants to the corner liquor store, certain businesses need liquor liability insurance, which covers legal fees, settlements, bodily injury medical costs, and property damage caused by an intoxicated patron who was sold alcohol or was served liquor by the policy holder. Businesses that need liquor […]
Surety bonds are essential for small businesses hoping to do business with federal and state governments. They’re also common in the worlds of construction and finance. The point of surety bonds is to guarantee a small business completes the job they’re contracted to perform, and to protect the customer of a transaction. For instance, let’s […]
Most auto insurance companies charge higher premiums to insure older adults. If you’re reading this article because you’re a mature individual hoping to understand why car insurance for seniors comes at a higher price, and what you can do to lower that price, you’re in the right place. Today, we’ll cover car insurance topics for […]
How to Shop for Car Insurance and What Kind to Get Buying car insurance can be easy on one hand, sometimes difficult on the other. All the choices you have and the decisions you need to make tend to make it all seem a little confusing. But once you get to know the process you […]
How to Choose the Right Car Insurance Deductible Someone “in the know” tells you to go for a smaller deductible on your auto insurance policy while another says you should pay a higher deductible in order to lower your lower your premiums. Which will you choose? What Is Car Insurance Deductible? The deductible on your […]
Health insurance in the US has undergone a massive overhaul. Before President Barack Obama’s Affordable Care Act of 2010 (also called “Obamacare” and ACA), health insurance was not standardized. Every insurer offered different benefits and prices, as they saw fit. Also, before the ACA, health insurance companies had the ability to decline your application if […]
Remember the first new car you ever bought? Maybe you were told you needed proof of insurance before you drove the car off the lot. The fact is, insurance is required for all drivers, though details can differ depending on the state you live in and the insurance you select. What is Collateral Protection Insurance? […]
