Your Guide to Insurance Savings

Everyone has to carry some form of insurance, whether it is homeowners insurance, renters insurance, auto insurance or private medical insurance. Being able to find ways to reduce the amount that you have to pay on your premiums is important. With less money leaving your family budget for insurance, you’ll have more money for savings and other needed expenses. 1. Raise your deductible If your insurance deductible is less than $500, consider raising it to at least that amount. The higher your deductible, the lower your insurance rate. The deductible is the amount that you will pay first before the … Continue reading

Insurance Help After Hurricane Sandy

Your home was damaged by Hurricane Sandy. You did the right thing, and filed a claim with your homeowners insurance company. Your insurer still hasn’t dealt with your claim, or has flat out refused to cover the damages. What can you do? Here is some advice that may help. The governors of some states have told insurance companies that they cannot enforce hurricane deductibles on storm-related claims that resulted due to Hurricane Sandy. This is because the National Hurricane Center declared Sandy to be a “post tropical storm” shortly before it made landfall in their states. This means that if … Continue reading

Insurance Blog Week in Review – July 15 – 21, 2012

Once a week, the Insurance Blog Week in Review brings you an easy way to “ketchup” on the blogs that have been posted here in the past seven days. There could be anywhere between twelve and fourteen blogs that appear. What did you miss? Governor Jay Nixon Vetoes Law Denying Birth Control Coverage Missouri Governor Jay Nixon vetoed a bill that would have allowed health insurers to opt-out of covering birth control even if the employer and employee wanted it to be covered. Missouri already has a law that allows employers or workers opt-out of birth control coverage if it … Continue reading

Renters Insurance Replaces Items After Fire

If you are renting then it is a very good idea to purchase renters insurance. Your landlord’s insurance policies will not cover the replacement of your stuff if a fire occurs. This could leave you with absolutely nothing, and no financial assistance to replace it. Unfortunately, this sad situation happens all the time. Renters insurance coverage provides people with some financial protection in case something bad happens. For example, if a fire burns down your apartment building, it is your renters insurance policy that will help you to replace some of your damaged property. If someone breaks into your apartment, … Continue reading

Insurance Blog Week in Review – May 6 -12, 2012

Once a week, the Insurance Blog Week in Review gives you a brief description about everything that hit the blog in the past seven days. There could be anywhere between twelve and fourteen different blogs appearing in that amount of time. What did you miss? Here is your chance to “ketchup”. Oregon has Insurance for Growers of Medical Marijuana It is similar to a crop insurance policy. This specialty type of insurance is to provide some protection for people who are growing marijuana that is going to be used for medical purposes. It provides some finances to help if the … Continue reading

Another Good Reason to Get Renters Insurance

An apartment building went up in flames, and everything inside it got destroyed. Fortunately, no one died in this particular fire. Some of the tenants were new graduates, who lost all their possessions in the fire. This is exactly the type of situation that renters insurance is designed for. There are a lot of things to think about immediately after a person graduates from college. Typically, young adults who just earned their degree are saddled with a big student loan debt. It can be hard to come up with enough money to pay rent, and buy groceries, when a person … Continue reading

Insurance for When You are Just Starting Out

Young adults who have just graduated from college are in a period of transition. It takes time to figure everything out from where to find employment to what you need to properly stock a kitchen. Most new graduates don’t think much about insurance. However, there are several different types of insurance that young adults, who are just starting out, will need. It can be difficult to make the transition between being a college student and starting out in “the real world” as an independent adult. There are many decisions that need to be made about all aspects of life. It … Continue reading

Insurance Blog Week in Review – April 22 – 28, 2012

At the end of every week, the Insurance Blog Week in Review gives you a quick and easy way to “ketchup” on all of the articles that hit the blog in the past week. There can be anywhere between 12 and 14 different blogs that have appeared. What did you miss this week? Renters Insurance Doesn’t Cover Bug Infestation A family in Bakersfield, California, rented a home that was infested with bugs. The entire family is suffering from scabies, and ended up throwing away their contaminated property. Would renters insurance covered any of this? Unfortunately, it would not. The Insurance … Continue reading

Renters Insurance Doesn’t Cover Bug Infestation

A family in Bakersfield, California, rented a home. Within days after they moved in, the entire family was suffering from scabies. The home was infested with bugs. The family is intending to sue the landlord. I’m not sure renters insurance would have helped this situation. Moving is always a difficult experience. It brings up many emotions. People are often sad to be leaving their current residence, town, or state. Packing up items, that have been sitting in closets for years, can make people feel nostalgic. Moving is also physically exhausting. It takes effort to pack things up, to move the … Continue reading

Insurance Needs for When a Hurricane is Coming

If you live on the East Coast, then you are probably keeping a close eye on the progress of Hurricane Irene right now. You might live in an area that has not been involved with a hurricane in decades. Now is the time to figure out which of your insurance policies to send a claim to in case your home or property is damaged by a hurricane. Insurance is tricky. In order for an insurance policy to do you any good, you need to have purchased it long before something bad happens. If your home is damaged by a hurricane, … Continue reading