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Insurance

Why You Need a Home Inventory and How to Create One

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Each year, one of every 20 households file insurance claims due to theft, fire, wind, and water damage. In 2019, losses from natural disasters topped $25 billion, and 2020 is shaping up to outpace that number.  It’s not something anyone likes to think about, but it can and does happen. And after going through a […]

15 Best Ways to Save Money on Teen Car Insurance

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It seems like just yesterday your teenager was in a children’s car seat. But now your teen is ready to borrow the keys. You might have mixed emotions about them getting behind the wheel. But you’re definitely concerned about the cost of adding your teen to your auto insurance policy. Luckily, there are plenty of […]

Health Savings Accounts: Pros, Cons and Contribution Limits of HSAs In 2020

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During health plan or open enrollment time, your place of employment probably looks like many others. There are lots of “water cooler” conversations about different plans, past experiences, deductibles, and copays. Health savings accounts or HSAs are drawing your attention, and you want to learn more. Let’s say last year you spent $8,000 on the […]

What Does It Mean To Self-Insure And Can It Save Me Money?

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When you’re working on getting your financial house in order, it can be overwhelming to consider all the different insurance products you can (and sometimes are required to) purchase. To protect your financial future there’s insurance for your: Health Life Disability Vehicle Home Cell phone Pet Long-term care You can also buy flood insurance, extra […]

Why Do Women Need Life Insurance? [And How Much Should They Get?]

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If you have a love-hate relationship with insurance, you’re not alone. You love the peace of mind and protection insurance provides but hate seeing premium payments leave your bank account. Buying health, auto, disability, or homeowners/renter’s insurance helps protect you from being financially devastated by severe illnesses, injuries, accidents, or other events that could happen. […]

How Can Smart Technology Save Me Money On Insurance?

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The ever-eccentric Elon Musk recently announced plans to roll out a million autonomous ride-sharing vehicles by 2020. The ambitious goal is intended to take on the likes of Lyft and Uber, but in the grander scheme of things, it may have a much deeper impact on consumer cost savings. In the past decade, technology solutions […]

What Is Long Term Care Insurance And Should I Get It?

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It feels like there’s an insurance product for just about every element of the human experience. After all, you can insure your health, your home, your car, your ability to work, and even your life. While some coverage is compulsory, at the end of the day, insurance is about hedging your bets. Sure, something terrible […]

How Much Homeowners Insurance Do I Need And What Will It Cover?

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The biggest purchase of your life is your house. Whether you’re preparing to close on a house or looking at a renewal bill for your current home’s insurance, you have questions about homeowners insurance coverage and its cost. Frequently asked home insurance policy questions relate to the amount of insurance you need and the type of […]

What Is Open Enrollment And Do I Need To Do Something?

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It’s that time of year again. You’re getting emails from human resources talking about the upcoming Open Enrollment period. There are copies of different insurance plans and their costs available for review. You also hear people discussing their current health insurance plans and how they want to review other programs your employer offers. If you […]

What Auto Insurance Coverage Do You Need For An Older Car?

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If you drive an older vehicle, you’ve probably wondered what insurance you really need and how you can save money on it. You don’t want to spend more than you need to when insuring an older car. At the same time, you want to make sure you have the right coverage in case you’re in […]

Do I Really Need Business Insurance?

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You finally decided to start freelancing or start your own business. You know there’s a lot to consider when launching your gig.  You’ve already chosen the right business structure, registered your business, opened a business bank account, got business cards printed, and built a business website. But you’ve never really thought about getting business insurance. Now […]

Renters Insurance, Do I Really Need To Spend Money On It?

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Once you’ve decided renting is the best decision for you, and after you’ve paid a security deposit and the first month’s rent – along with all of the other costs related to moving – you might question if you need renters insurance. Though the numbers increase each year, an Insurance Information Institute’s 2016 poll reports only […]

What Are The Best Reasons To Buy Travel Insurance?

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You’re busy researching your next big vacation. As you look at all your options, you notice suggestions to buy travel insurance on most trip summary pages. While you’ve never bought travel insurance in the past, when you consider what you are going to spend on this trip, coverage might make sense. Is Trip Insurance Really […]

What Is Umbrella Insurance And Who Really Needs It?

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You work hard to ensure you’re covering all your financial bases. Homeowner insurance – check. Car insurance – check. Health insurance – check. And now someone is telling you your umbrella has to be insured? Despite the odd name, umbrella insurance covers more than the damage an actual umbrella could do. On a rainy day, […]

What Does My Car Insurance Cover?

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Insurance is one of those bills you pay that can seem like a waste. Until you need it! If you have a car, you probably have auto insurance, as most states require it. But do you know what your car insurance covers? Do you understand each item listed on your policy? It’s important to understand […]

Which Life Insurance Is Best To Buy, Term Or Whole?

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According to a 2016 life insurance study conducted by LIMRA, 86% of consumers agreed most people need life insurance. American consumers clearly see the need, but that doesn’t mean everyone is making the purchase. We get it. Life insurance is not a fun topic. The thought of it might make your eyelids heavy or evoke […]

What Happens If I Get Really Sick Or Hurt While Uninsured?

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Getting really sick or hurt while uninsured is a concern for millions of people. Going without health insurance coverage (even for a short period of time) puts you at serious financial risk. Should you get sick or injured and need to see a doctor, receive therapist services, take prescription medication, or require emergency room (ER) […]

How Important Is Disability Insurance And Do I Really Need It?

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Own a car and you probably insure it because you know it’s important. It’s so important most states require it by law. A 2016 Insurance Information Institute poll found 95 percent of homeowners held insurance and 41% of renters carried insurance too. We understand how critical good health insurance is. And many people purchase life insurance to […]