EINSURANCE Insurance Journal Archives | EINSURANCE

Does Health Insurance Cover Sleep Disorders?

EINSURANCE — Thu, 15 Jun 2023 16:00:29 +0000

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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All You Should Know About Commercial Truck Insurance

Barbara Howington — Thu, 08 Jun 2023 16:00:49 +0000

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 […]

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What Is Forced Placed Insurance?

EINSURANCE — Thu, 25 May 2023 16:00:41 +0000

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. […]

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What Color Cars Are More Expensive to Insure?

Kathryn Morstad — Thu, 18 May 2023 16:00:34 +0000

Key Takeaways: Car colors may not affect your insurance costs directly, but there are still certain things to take into consideration when shopping for insurance. Custom colors and fancy paint jobs will raise your rates, along with high performance add-ons like turbo superchargers and custom after-market wheels. Finding the best price on car insurance takes […]

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How To Find A Good Doctor In Your Area

EINSURANCE — Thu, 04 May 2023 16:00:30 +0000

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 […]

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Does Home Insurance Cover Natural Disasters?

EINSURANCE — Thu, 27 Apr 2023 16:00:05 +0000

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 […]

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Workers’ Comp Vs. Disability Insurance

Kathryn Morstad — Tue, 18 Apr 2023 16:00:57 +0000

Explaining Workers’ Comp vs Disability Insurance Key Takeaways: Workers’ compensation insurance and disability insurance both provide financial protection to an individual when they are unable to work because of an injury, illness, or disability. Both short and long term disability insurance can be purchased by an individual or employer and cover non-work related injuries and […]

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Does Car Insurance Cover Hail Damage?

EINSURANCE — Thu, 30 Mar 2023 16:00:00 +0000

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 […]

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What is Residual Market Insurance?

EINSURANCE — Thu, 23 Mar 2023 16:00:00 +0000

If you are a high risk for insurance companies, do not let them deny you the right to shop for competitive prices.

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Seven Essential Insurance Policies for Small Nonprofits and Smaller Charitable Groups

EINSURANCE — Thu, 16 Mar 2023 16:00:00 +0000

7 insurance policies that will help your non-profit continue to carry out its mission.

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Are Health Insurance Premiums Tax Deductible?

EINSURANCE — Tue, 07 Mar 2023 17:00:49 +0000

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 […]

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Expert Tips on How to Get the Best Auto Insurance Deals

EINSURANCE — Tue, 28 Feb 2023 17:00:48 +0000

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 […]

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6 Safety Features That Can Save You Money on Car Insurance

EINSURANCE — Thu, 23 Feb 2023 17:00:00 +0000

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 […]

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Complete Guide to Renters Insurance: Protecting Your Rental Home

Kathryn Morstad — Thu, 16 Feb 2023 17:00:37 +0000

When you own a home, having homeowner’s insurance is common — in fact, not having it can cause serious problems with a lender or mortgage holder. But what about when you rent? How do you protect your belongings from theft or damage? Today, many large rental companies and properties require tenants to carry renters insurance […]

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Dump Truck Insurance Basics

EINSURANCE — Thu, 02 Feb 2023 17:00:00 +0000

Your basic required dump truck insurance will include liability and physical damage coverage.

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2023 Insurance Industry Outlook

Kathryn Morstad — Thu, 26 Jan 2023 17:00:00 +0000

Key Takeaways: In 2023, insurance companies will need to find ways to demonstrate value in their products while combatting rising costs for car and home repairs. Car insurance rates may rise as much as 8.4% in 2023. Contributing factors include increasing prices for cars, homes, and the costs to repair them, changes in habits as […]

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PLPD Insurance Explained

EINSURANCE — Thu, 19 Jan 2023 17:00:20 +0000

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 […]

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Does Home Insurance Cover Tornado Damage? Be Aware of Regional Limits to Tornado Insurance Coverage

EINSURANCE — Thu, 12 Jan 2023 17:00:00 +0000

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

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