Entries by Barbara Howington

What Is Hazard Insurance?

What is Hazard Insurance and How is It Used? If you own a home and have homeowners insurance, then you are covered by hazard insurance. They are one and the same. Homeowners are typically required by mortgage lenders to carry a homeowners insurance policy, including a portion devoted to hazard coverage. What Is Hazard Insurance? […]

Workers Compensation Claims Process

Navigating the Workers Compensation Claims Process Today, we know workers compensation insurance (also called workers’ comp) is in place through our employers to protect us in the event we are injured or become ill due to a job. Workers have to understand how to file workers compensation claims. But few of us are aware that […]

How Does A Car Recall Affect Your Car Insurance?

How Does a Car Recall Affect Your Auto Insurance? Vehicle recalls occur fairly often, some with a lot of public attention – think Takata airbags. The recall system was first implemented in 1966 with the National Traffic and Motor Safety Act and less than four years later, more than 10 million cars had been recalled. […]

Does Homeowners Insurance Cover Wildfires?

Does Your Homeowners Insurance Cover Wildfires? Does your homeowners insurance cover wildfires? Maybe, maybe not. If you live in an area that is particularly at risk for wildfires, you may have trouble finding the insurance you want. Insurance companies can decide it is too risky for them and can: Purposefully exclude wildfires from a policy […]

General Liability Insurance Certificate Explained

Why You Probably Need a General Liability Insurance Certificate Sometimes you have to prove you are who you profess to be. Similarly, as a small business owner or independent contractor you will be asked from time to time to present evidence that you protect yourself with general liability insurance. That’s when you’ll be asked to […]

How to Get Title Insurance?

Title Insurance: What it Is and How to Get It When you’re buying a new home, your head may be swimming with all kinds of things: excitement, relief, maybe a little purchase anxiety. And then, there is all that paperwork you have to read and sign. One of the items in the pile of “things […]

Health Savings Account Vs FSA

Health Savings Account Vs FSA: Which One is Best for You? Which kind of healthcare savings plan should you go with: a Health Savings Account (HSA) or a Flexible Spending Account (FSA)? Both have tax benefits but are different in significant ways. You might even choose to forgo either one. Health Savings Accounts HSAs allow […]

Social Media and Insurance Claims

How Social Media is Used During Insurance Claim Investigations Be careful what you post on social media because you never know who will see it. What’s the relation between social media and insurance claims? Insurance companies and agents are adding themselves to the growing list of entities using social media as a tool. In the […]

Is Earthquake Insurance Worth It?

Is Earthquake Insurance Really Worth the Cost? About 20,000 earthquakes hit in the United States every year, with up to 42 states considered at particular risk, according to the United States Geological Survey (USGS). Still, few homeowners actually purchase earthquake insurance—even in California, where ninety percent of the earthquakes in the U.S. occur, only about […]

Best Business to Start in 2020

Fulfill Your Inner Entrepreneur: Best Business to Start in 2020 If you’re an aspiring new business owner or want to add to a collection of existing business ventures, you have some interesting—and some not-so-surprising—choices for 2020. The business landscape is changing, with disruptions happening across the business niche spectrum. Accordingly, you should have  an idea […]

E Cigarette Ban – What You Should Know

Vaping has quickly grown in popularity throughout the world, with estimates showing from 7 million vapers in 2011 to 25 million in a few years. After being sold for more than ten years, it wasn’t until 2019 that reports of lung illnesses tied to e-cigarettes, or vapes, suddenly began appearing with alarming frequency. Until the […]

Roth 401k vs 401k – How to Choose

Roth 401k vs 401k: Which is Best for You? When you’re faced with whether you are better off contributing to Roth 401k vs 401k, it comes down to a few differences that can make a big difference in your retirement. The Basics Traditional 401(k) and Roth 401(k) are options for workplace retirement savings, and employers […]

Understanding Adult Onset Allergies

What is it with allergies? As an adult, you’re fine one day and not the next. What causes allergies to kick in, when you’ve gotten this far in life without them? Research shows adult onset allergies are common, and the numbers are growing. Knowing why is the part that still eludes us. What Are Allergies? […]

How to Find a Lawyer for Your Small Business

How to Find Small Business Lawyer Having a good lawyer onboard can help your small business save costs in the long run. As a small business owner, you probably know too well just how complicated things can get and securing someone to help you through legal challenges is a price worth paying. Your small business […]

Mental Health Myths and Facts

Mental Health: Six Common Myths and Facts About 1 in every 5 American adults experiences mental illness in a year’s time, according to National Alliance on Mental Illness. The report also notes that 1 in 25 adults in the U.S. experiences more serious mental illness every year. What is Mental Illness? Mental health covers a […]

How to Reduce Inflammation in Your Body

You have probably experienced it yourself. After sustaining an injury, you see swelling. This inflammation is the natural response to an injury or infection. But there’s another kind of inflammation that is chronic. This is where a person’s immune system kicks in even in the absence of injury or infection. Chronic inflammation is a body’s […]

Denied Life Insurance: What to Do Next?

What You Can Do if You’re Denied Life Insurance What should you do if you are denied for life insurance? Like they say, if at first you don’t succeed, try, try again—with a different insurer. Whether or not an insurance provider will sell you a life insurance policy is up to the insurer. You just […]

Who Needs Life Insurance Coverage?

So, Who Needs Life Insurance Coverage Anyway? If you believe life insurance doesn’t matter unless you have children, you may be surprised to find out that the list of who actually needs a policy is a full one. It shows us that, while the main purpose of life insurance is to support those who financially […]