Generally, yes. Health insurance does cover sleep disorders, sleep studies and sleep disorder treatments. Depending on the type of health insurance you have, you may need to pay a deductible for sleep studies and treatments. And if you have Medicare, your primary physician must refer you to a sleep clinic with a statement that your […]
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Forced placed insurance exists to protect lenders, and it’s sometimes called lender placed insurance. Forced placed insurance can be purchased by a lender to cover a home, an auto, an RV, and even boats and planes. This type of insurance is bought by the lender when a consumer’s policy lapses, gets cancelled, or is non-renewed. […]
Whether you’ve moved to a new area or have changed health insurance providers, getting a primary doctor is a priority. Finding a physician you trust and feel comfortable with takes a little research. Before you begin your search, make sure you understand the requirements of your health insurance. With most providers, you must choose a […]
Homeowner’s insurance covers many — but not all — of the perils your home might endure. If you’re wondering if home insurance covers natural disasters, you’re in the right place. Today, our team of licensed insurance agents is here to explore the perils covered by a traditional home insurance policy, and help you decide if […]
About this time of year, you’re digging through drawers, pants pockets, purses and maybe even a file folder or two looking for receipts so you can maximize your federal income tax deductions. You may also be wondering if any of your insurance is a tax ded
The answer depends on the type of insurance policy you have. The part of a car insurance policy that usually covers hail damage is called “comprehensive coverage.” If you only pay for liability coverage – or the minimum insurance required by your state – then hail damage probably isn’t covered. With a liability-only policy, you’ll […]
If you are a high risk for insurance companies, do not let them deny you the right to shop for competitive prices.
7 insurance policies that will help your non-profit continue to carry out its mission.
Can I Claim Deductions for My Health Insurance Premiums? Medical costs can be hefty, but the Internal Revenue Service provides a way to recoup some of this money through tax deductions for medical expenses. But, understanding the rules involved can be a challenge. When Can I Deduct Health Insurance Premiums on My Taxes? Whether or […]
Comparison shopping for auto insurance is one of the most effective ways to get the best auto insurance deals. You should shop around every few years, even if you’re happy with your insurer. Many people don’t know that trick, or don’t feel it’s worth their time. Still, auto insurance companies raise their rates often, even […]
There might just be a treasure trove of savings in your auto insurance premiums. If you haven’t yet explored discounts for safety features, it might be worth looking into. It varies by state and insurance carrier, but if your car is equipped with certain features, you can save money. Important Safety Features That Lower Car […]
Your basic required dump truck insurance will include liability and physical damage coverage.
Personal Liability and Property Damage (PLPD) insurance coverage is required in some states to drive a vehicle, legally. Every state has unique laws requiring the amount of liability coverage you must carry and may use different terms to describe it. Note the term “PLPD Insurance” was used mostly in Michigan at one time, but that […]
Does insurance cover tornado damage? Most homeowner’s policies include tornado insurance coverage, but if you live in Tornado Alley, you may need additional tornado insurance
Don’t own a car? You might still need to own an auto insurance policy. Called non-owner car insurance, this kind of coverage can be a good idea and, in some states and circumstances, even required. Non-owner car insurance is a unique policy specifically for people who do not own a car. It provides liability coverage […]
Every homeowner should carry homeowner’s insurance, even if your home is completely paid off. It protects your investment and protects you with liability coverage in case you get sued by a guest at your home. And if you’re paying a mortgage, it’s likely that your mortgagee — the bank or institution who owns the loan […]
Health insurance is a necessity for all Americans. And many working-age individuals get their health coverage via group health insurance plans through their employer. Usually, these plans cover the employee, and family members can be added to them. But employment status can change. Layoffs and downsizing can occur in any economic environment. And since the […]
Premise liability lawsuits targeting small businesses are on the rise. Learn more and get quotes commercial general liability quotes online from top insurers.