Entries by Barbara Howington

All You Should Know About Commercial Truck Insurance

What You Should Know About Commercial Truck Insurance For commercial truckers, days and nights on the road can be filled with hazards—accidents, spilled cargo, damaged property, for example. Commercial truck insurance can protect trucks and the truckers who drive them by helping cover the costs of many of these types of events. If your business […]

How To Compare Car Insurance Quotes

How to Compare Car Insurance Quotes Online Before you buy an auto insurance policy, it’s important to shop around and find the best coverage at the right price for you. Many variables go into any particular insurance company’s formula for deciding how much to charge individuals, including the rules of whichever state the person lives […]

Windshield Replacement Costs – All You Need to Know

How Much You’ll Pay for a Windshield Replacement If you’re lucky, you have never thought about your car’s windshield except when it’s too dirty and needs a good cleaning. But if you’re like most of us, a damaged windshield is one of the more common problems you can have with a car. What Are Windshields […]

How to Choose the Right Homeowners Insurance Deductible?

One of the best ways to save money on your homeowners insurance coverage is by understanding how your homeowners insurance deductible works. By definition, a homeowners insurance deductible represents your share of the insured risk in an insurance contract. It’s the money you’ll have to pony up to repair or replace a covered loss. In […]

Buying Prescription Drugs Online – The Ultimate Guide

Are You Overpaying for Your Prescriptions? A recent study by the University of Southern California Schaeffer Center for Health Policy & Economics found that 23% of the time, customers overpaid for their prescriptions. The average overpayment, the study revealed, was $7.69 per prescription. Despite your health insurance, you may be paying more than you need […]

Insurance for Online Businesses

If you own an online business, you are likely in need of insurance for protection. While it may seem kind of magical to most people not in the tech industry, the internet comes with some very real vulnerabilities. Sixty percent of small businesses who experience a data breach or cyber attack go out of business […]

Roofing Insurance Coverage Guide

No doubt about it. Dealing with roof damage can be drawn-out and expensive. But spending the money to keep a roof in good shape or replacing it is the better alternative to losing your homeowners insurance coverage. The Importance of In-Shape Roofing The roof is just about the most important feature of a home, as […]

Does Homeowners Insurance Cover Termites?

Chew on This: Does Homeowners Insurance Cover Termites? Spring is in the air. It’s warmer out and snow melts. It is also termite mating season and your home is more vulnerable to the pests. But wait, you have homeowners insurance, so you’re covered for termite damage, right? Probably not. Unfortunately, there is no such thing […]

How to Compare Medicare Plans

How to Compare Medicare Plans It’s true what you hear about Medicare: it is confusing and can be hard to figure out. There just seem to be lots of “moving parts” pieced together to provide the coverage that works best for you. So, if you’re starting to look into Medicare, don’t worry. It’s easy to […]

Group Term Life Insurance – What Is It?

If you’ve ever been offered a life insurance policy by your employer or by a professional association you have joined, the coverage is probably group term life insurance. The most common kind of group term life coverage is often offered as an employee benefit, and typically paid for by the employer. Group Term Life Insurance […]

Stacked Vs. Unstacked Auto Insurance – What You Should Know

Stacked Vs. Unstacked Auto Insurance Think of a stack of boxes and a single box. Stacked boxes give you a taller stack while a single box is, well, one box. Keep these images in mind as we discuss stacked auto insurance versus unstacked insurance. What’s the Difference? Basically, stacked insurance covers bodily injury while unstacked […]

Green Insurance – What Is It?

Green has gone mainstream. From recycling at home to cleaning up Superfund sites, eco-friendly solutions are influencing the world—even in the insurance sector. Green insurance and incentives reflect a growing desire to make our planet more environmentally stable. Types of Green Insurance Available Eco-friendly insurance coverage can be purchased in a variety of categories including: […]

How to Prepare for a Home Insurance Inspection

Home Insurance Inspection: How to Prepare Buying a house can feel like you’re having to jump through hoop after hoop. You’ll need to buy home insurance coverage buy before closing on your home. And before that you will probably need a home inspection to qualify for homeowners insurance. Why Insurance Providers Inspect Homes Insurance companies […]

Does Life Insurance Pay for Suicidal Death?

If you were to be asked life insurance pays beneficiaries in the event of a suicidal death, what would your answer be? Many people believe that in the case of suicide, life insurance flat out won’t pay. This is a common misconception. The truth is, there are circumstances in which many insurance companies will pay […]

Indexed Universal Life Insurance – A Complete Guide

Do You Need Indexed Universal Life Insurance? When considering permanent life insurance, you might come across something called indexed universal life insurance (IUL). Like traditional Universal life insurance (UL), IUL has a death benefit plus a cash value. Universal Life Insurance vs. Indexed Universal Life Insurance There are two types of universal life insurance: Universal […]

Insurance Endorsements for Business Insurance

Do You Need Insurance Endorsements for Your Business? Insurance endorsements, or riders, are modifications to an insurance policy to include additions, deletions or exclusions. They are used to customize a policy to best fit your needs and budget. Typically, endorsements make it possible for you to buy insurance that truly fits your needs, either by […]

How to Get High Risk Homeowners Insurance

Here’s How to Get High Risk Homeowners Insurance Let’s say there’s a house you have your heart set on. But when you try to get homeowner’s insurance, a requirement if you took out a mortgage, you are told the situation it is “high-risk”. You are turned down. What do you do? Don’t give up just […]

Don’t Make These Commercial Insurance Claim Mistakes

When Filing a Commercial Insurance Claim, Don’t Make These Common Mistakes If you own a small business, you know that it can be, well, risky business. Errors can be made, and you often learn as you go. There is at least one area, though, where knowledge goes a long way: filing commercial insurance claims. Mistakes […]