Does Health Insurance Cover Sleep Disorders?

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 […]

What Is Forced Placed Insurance?

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. […]

How To Find A Good Doctor In Your Area

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 […]

Does Home Insurance Cover Natural Disasters?

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 […]

What Kind of Insurance is Tax Deductible?

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

Does Car Insurance Cover Hail Damage?

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 […]

Are Health Insurance Premiums Tax Deductible?

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 […]

Expert Tips on How to Get the Best Auto Insurance Deals

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 […]

6 Safety Features That Can Save You Money on Car Insurance

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 […]

PLPD Insurance Explained

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 […]

Do You Need Non-Owner Car 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 […]

Buying Homeowners Insurance with Bad Credit

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 […]

Gap Health Insurance – What You Need to Know

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 […]