"Featured" Blogs

High-Risk Auto Insurance: Things To Keep In Mind

If you are one of those that made poor choices out on the road, you still have a chance to make it better. Insurers consider some individuals to be “high risk” drivers. In other words, they are more expensive to insure. But who is considered a high-risk driver? To an insurance company, your behavior behind […]

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How Credit Scores Affect Your Car Insurance

Besides the type of vehicle, and accident or claims history, your credit score is an important factor to consider when it comes to how much you will pay for car insurance.  Insurance companies tend to use your credit history to help set your rate. Factors that affect your car insurance rate Your driving history has […]

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Situations Where You Should Buy Life Insurance

Life insurance is a good investment as it protects those who may depend on you financially in the event you die. It covers one or more beneficiaries after you die and provides income replacement so that they can pay their expenses.  The main reason why most people don’t buy life insurance is because they simply […]

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Actual Cash Value vs. Replacement Cost When Filing A Homeowners Insurance Claim

At times homeowners may not understand some terms such as “actual cash value” or “replacement cost” and how it can affect their homeowners insurance claim. Many people think that the limits included in their Insurance Declaration Page (DEC) are the best indicator of how much they may get paid in a homeowners claim, but that’s […]

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Intellectual Property Insurance: Why You Should Consider It

Every business has intellectual property (IP), which is oftentimes their most valuable asset. Many high-profile cases have brought IP insurance coverage to the spotlight. Intellectual property insurance is there to safeguard your business, whether small or large, as well as inventors, if you are sued for infringement by another business. In other words, someone takes […]

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Reasons To Consider Buying Cancer Insurance

While health insurance is expected to help cover your medical care expenses, whether that involves a routine visit, or emergency surgery, every policy may not cover the same things, especially when it comes to cancer. Under such circumstances, you may want to consider acquiring a disease-specific policy. What’s cancer insurance? Let’s start with the basics. […]

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Why Do I Need Critical Illness Insurance?

It’s one of those things available that could protect you from financial crisis if you are suffering from a serious condition. Unfortunately, this is the type of insurance less understood by most people.  Critical illness is basically a protection insurance designed to pay out a tax-free lump sum if you are diagnosed with a life-changing […]

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Common Medicare Mistakes To Avoid

Millions of older Americans rely on Medicare to pay for their healthcare services, especially during retirement. It’s easy to make wrong moves that may cause you to miss out on essential health benefits, or leave you paying more than you can afford.  Make sure you avoid the following Medicare mistakes, so you can steer clear […]

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Does Car Insurance Cover Natural Disasters?

Natural disasters are unpredictable. They cause many insurance claims for both drivers and homeowners. The big question is whether your car insurance will cover damages caused by a natural disaster. In order to answer this question, you first need to learn about the type of insurance you have and whether a natural disaster will be […]

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Should I Buy Life Insurance Through Work?

Most people would say “yes” since employers offer basic life insurance as part of their benefits package at a low cost and sometimes it’s free. That sounds fair if you are single and don’t have any children. However, if your death would be a financial burden to your spouse and children, you may need coverage […]

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When You Should and Shouldn’t File a Homeowners Insurance Claim

Just like in any other type of insurance, you need to be cognizant of when you should or shouldn’t file a homeowners insurance claim and take into account how doing so may affect your premium and wallet. You should not assume your homeowners insurance will cover this or that. Just because you pay your premium […]

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Do I Need Cyber Liability Insurance?

Do I Need Cyber Liability Insurance? The cyber age is here and to stay – at least for now. When it comes to data breach, a proper and timely response to protect your business is crucial. Every day more businesses of all sizes and types rely on large amounts of data to effectively run their […]

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