Alternatives to Long-Term Care Insurance First, we carefully prepare financially for our retirement. And then there’s long term care to plan for. About 70 percent of people turning 65 today will need long term care at some point in the future, according to the U.S. Department of Health and Human services. Long-term care insurance covers […]
The “flu season” occurs in the US every fall and winter. Per the Centers for Disease Control (CDC) the best way to prepare for flu season is to get an annual influenza vaccination. Today, we’re going to talk about all the ways to prepare for flu season. We’ll cover everything from cough etiquette and hand […]
The concept of car repair insurance is relatively new to the insurance world. Sometimes you’ll hear it called “car repair insurance,” but some insurers call it “mechanical breakdown coverage” or “MBI.” All those terms are interchangeable. Not every auto insurance company offers repair insurance, and not every vehicle owner needs it. Today, we’ll take a […]
The best home and auto insurance bundles combine excellent coverage with great pricing. Today, we’ll explain home and auto insurance bundles for first time homebuyers or other individuals with limited insurance experience. If you’ve arrived at this page because you’re seeking a home and auto insurance bundle quote, click here. Otherwise, we will answer all […]
One thing that 2020 has taught us: expect the unexpected. For small businesses, when the unexpected happens, business insurance can be an invaluable ally. Surveys have shown that 40 percent of small businesses file claims against their insurance policies. Businesses can face events such as: Catastrophes like hurricane, flood, and wildfire Theft of merchandise, products […]
Nonprofit Health Insurance Options Health insurance costs money. So how do not-for-profit organizations afford to offer it to their employees? There are some very good reasons employers of any kind are likely to get a boost for their business by offering employees health care coverage benefits. Health insurance is at the top of the benefits […]
2020 has been a bizarre year for small businesses. Entrepreneurs and small business owners stood proudly in the face of a pandemic, held our collective breath during a historic election, and learned a whole new way of living and working. The economy has changed. Research by McKinsey proves what we already suspected: consumers are behaving […]
The huge potential for delivery services has been made even more apparent during the COVID-19 pandemic. The virus first made its way into American communities in early 2020; since the lockdown measures took place in March job loss has grown exponentially. And the delivery gigs that had taken hold before the pandemic claimed an important […]
Contents Insurance – What Is It? When you insure your home, you’re also insuring most of the stuff in the house and on the property. A segment of coverage, contents insurance is also known as personal property coverage. It helps pay for repairing or replacing personal items that have been damaged by a fire or […]
Are you ready for Open Enrollment for 2021? In most states, the Affordable Care Act, or Obamacare, is open for enrollment starting November 1, 2020 through December 15, 2020. When you enroll, your plan will start January 1, 2021. What is Open Enrollment? If you want to enroll in an Obamacare health plan, switch to […]
Loss of Use Coverage – You Might Need It Loss of use auto coverage is just what it says it is—insurance coverage tapped into when you have lost use of your vehicle. If you’ve been in an accident, loss of use insurance helps you with resulting disruptions in your standard of living. Besides auto insurance, […]
Your classic car or truck is a treasure! You’ve been carefully restoring this gem for years, or you invested in a custom beauty, built by professionals. Regardless of how you became a steward of this special auto, it must be adequately insured. Standard consumer auto policies are not a great fit for classic cars. Today, […]
Why You Should Protect Your Business from Fire Emergencies happen. That’s why commercial insurance exists – to protect your investments in structures, inventory and technology from the peril of fire and related perils like smoke damage. Fire is one of the most common causes of property damage for business owners. More than 40% of small businesses […]
How Your Car Insurance Premiums Are Affected by Your Credit Score Your credit score affects your interest rate on a loan. Similarly, your credit score affects car insurance premiums as well. Lower scores typically correlate with higher rates. California, Hawaii and Massachusetts are the only states that do not allow credit to be used in […]
If your answer to the question “What is ordinance or law coverage?” is something like “Um, I have no idea,” take solace in knowing you are in good company. Even if you may have heard of ordinance or law insurance coverage and have a vague idea of what it is used for, you may not […]
Learn the Difference Between DWI and DUI According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle accidents involving an alcohol-impaired driver kill 29 people a day, or 10,000 every year. That number, which adds up to one person every 50 minutes, is actually an improvement; the number of deaths due to impaired driving […]
Proof of Insurance: What it Is and How to Get It As a driver, there are a few items you should always keep with you in order to be at the ready if asked to show them: Your driver’s license, vehicle registration and proof of insurance. Let’s take a look at proof of insurance, which […]
Here’s What to Do If You Lose Employer Sponsored Health Insurance Since roughly half of U.S. workers get health insurance through their employers, high unemployment during the Covid-19 pandemic has resulted in a high number of people losing their health care coverage. Unemployment rose more in the initial three months of COVID-19 than it did […]
