If you work out of your home, there’s a good chance you need specific business insurance coverage. Even if you have homeowners or renters insurance, your policy may not do enough to meet your needs. Depending on the kind of business you have, you have several insurance options to consider. What to Protect in a […]
American Dental Association (ADA) research and human nature tell us that people don’t go to the dentist because of the expense, and because they think they don’t need it. Stands to reason, then, that if you don’t have dental insurance and dental discount plans you’re a lot less likely to take care of your teeth. […]
When you purchase car insurance your policy includes a deductible. You must pay the specified deductible amount before your insurance company pays for the remaining repair costs. In certain situations, the deductible can be waived. If you’re looking for the best deductibles, it can help to compare car insurance rates. How to Get Your Car […]
When you rent a car, you have to make a lot of decisions. Should you purchase insurance for the car rental? Which mileage plan does the company provide? Should you prepay for fuel? Making the wrong choices can be costly. Here are some mistakes to avoid next time you rent a car: 1. Don’t just go […]
You’ve decided you’re at that point in life where others rely on you – perhaps a spouse, children or other dependents – and you’ve decided it’s probably a good idea to buy a life insurance policy. You want to make sure your family or loved ones are taken care in the event of your death. […]
There’s some confusion about the differences between renters insurance and landlord insurance, but the concept is straightforward: If you own the rental property, get landlord insurance, but if you’re renting the property from someone else, you need renters insurance. Both are important. Some renters may feel they’re protected because, after all, the landlord is responsible […]
The ACA was originally written to reduce open enrollment availability starting in fall 2018 for 2019 coverage. But, the Centers for Medicare and Medicaid Services (CMS) has shortened the open enrollment period for the Affordable Care Act (ACA) a year prior to planned. Instead of keeping enrollment open from November 1 to January 31, enrollment […]
Workplace wellness program has been helpful for larger companies in efforts to boost morale and enhance productivity, but what about small businesses? Even if you don’t have the budget for expensive solutions like an at-work gym, there are steps a small business can take to create an appropriate and effective wellness program. Employee Wellness Program […]
According to the Insurance Information Institute, 228.9 vehicles per 100,000 people were stolen in 2018. Depending on the kind of car you have and where you park it, you might just fall prey to car thieves yourself. If your car is stolen, there are steps to take. But first you should be prepared with the […]
As with so many other sectors, artificial intelligence (AI) is tangibly changing the auto insurance industry. The goal is to improve customer service and safety, but also to save insurance providers and policy-holders money. One prediction is that AI will cause the auto industry to shrink, as cars become safer, the need for human interaction […]
With the current political climate and threats to the Affordable Care Act (Obamacare), patients, providers and insurance carriers don’t fully know what to expect. If you buy health insurance through an exchange, or plan to enroll, the good news is, Obamacare will be around for the coming year. Premiums are expected to increase. According to […]
If you are 55 or older, chances are good you can get a discount on your auto insurance, and learn a thing or two in the process. Even if you have not been told you must take a senior driving course to keep or reinstate your driver’s license, your car insurance provider may offer discounts […]
Chances are good your business is located in a state where Workers Compensation insurance is required. No matter how small your business is, and whether or not Workers Comp is required, coverage is good for you, your employees and your business. Workers Comp insurance pays medical expenses and lost wages that result from job-related injury […]
If you’re thinking about buying a life insurance policy you may be wondering, is life insurance a wise investment? You’ve heard that some kinds of life insurance investment allow you to “borrow” against the accumulated cash value as a tax-sheltered investment account. The truth is, this can be a good thing for some people but […]
Odds are good you have health insurance through your employer, like most do. But for the many others who buy their insurance individually, choosing a plan can be a challenge. An overview of steps to take and things to consider can make the process easier. Getting Started If your job doesn’t provide health insurance, you […]
So, does your home insurance cover animal damage to your home? The answer is: It’s complicated. There are a seemingly endless list of “ifs” and “buts” at first look, but overall there are guiding factors. Check your own policy to make sure you understand what your parameters are. Pets IF your pets or animals in […]
You’re in pain and you want to make your day a little more tolerable, so you’re at the store to pick up an over-the-counter (OTC) remedy. But, you’re faced with a staggering number of options provided by big name and generic brands. Which pain medication should you get? The kind of OTC you get depends […]
The Internet has changed our lives in so many ways. Where we get the news, how we learn, the way we do business and how we shop. Now you can even buy insurance policies online. But which is better, buying an auto insurance online or the “old fashioned” way through an agent? Buying Insurance Online […]
