Insurance Info

If you were like me in your 20’s (or maybe you’re in your 20’s now) you had little use for health insurance. I remember thinking I’ll pay the $33 a week deduction from my paycheck just in case, but if they ever raise the price much more than that I’m not giving them another dime. It just so happened that I worked for a major bank and they were able to keep premiums pretty level for my whole 6 year career with them. Still I paid in more (and they paid in much much more) over the years than I got out of it. I honestly do not believe that I went to the doctor more than twice in my six years of group coverage. When I was 30 I decided I wanted more freedom in my work schedule and instead of selling investments and insurance through the bank, I […]

Protecting your Home Investment A home is usually the largest single investment any of us will ever make. When you purchase a home, you will purchase several types of insurance coverage to protect your home and personal property. Homeowner's insurance protects against loss from fire, theft, or wind damage. Flood insurance protects against rising water. And a unique coverage known as title insurance protects against hidden title hazards that may threaten your financial investment in your home. Protecting Your Largest Single Investment Title insurance is not as well understood as other types of home insurance, but it is just as important. You see, when purchasing a home, instead of purchasing the actual building or land, you are really purchasing the title to the property – the right to occupy and use the space. That title may be limited by rights and claims asserted by others, which may limit your use […]

With the largest toy factory in the world, an army of elves and a red velvet fur-trimmed suit, it appears that Santa has everything he could possibly want for Christmas. However, if Mrs. Claus wanted to get him something really useful then she could not go amiss with a cheap travel insurance policy. Here are five very good reasons for Santa to take out insurance before heading out on Christmas Eve: Drunk and in Charge When Santa flies over America they give him milk and cookies, but when he flies over the UK things really start to heat up with lashings of whiskey and mince pies. Roughly 7.4 million families in UK have dependent children and as you can imagine that equates to a lot of whiskey! We imagine that Santa is used to driving in the North Pole, which Top Gear recently discovered had no drink-driving laws. In the […]

There is no denying that California is a lovely state to live in. This is where many celebrities stay. Not to mention, there are many highways, which means there is going to be some accidents. If you drive, then you may get in an accident. Never say never, because you can never predict an automobile accident. If we were able to, then there would not be so many going on. What do you think about CA vehicle insurance? Are you under the impression that you are paying too much? If you believe you are paying too much for your coverage, then chances are, you are right. It never hurts to look around and see what other companies are charging for the same type of coverage you are currently paying for. This way, you will have a general idea of ​​what you should be paying. When we first did this, we […]

When you go out in the world with your new car, you want o make sure that you have two things with you, those things are your license and your auto insurance, if you do not yet have your insurance, you want to make sure that You go around and start looking for auto insurance comparisons. If you are looking for your insurance you are probably looking for a cheap policy that will give you everything you need. Many people do not believe these exist, but the truth is that they are out there; You just have to know where to look. The best place to start your search is online. In the old days, you would not have this option, so seeing that it is available to you today, you may as well take advantage of it. In the old days the only way you were going to find […]

Auto Insurance Quotes comparison should include a few more steps than checking your wallet. First is to get all the information presented to you in order, this means getting accurate quotes in the first place. If you did not give the company your cars make and model as well as your driving record, chances are you were given a ballpark quote that may be a lot more, or less, than you will pay. Often insurance companies give ballpark ranges of their lowest paying customers in order to entice you to join, only to nail you with much higher premiums later. Getting your insurance quotes on an apple to apple basis can be hard, not all insurance policies are the same. The main factors to compare are bodily injury, property damage, collision coverage and uninsured motorist coverage. Personal injury protection is also favored by many people as it ensures full coverage. […]

know it sounds too good to be true…and depending how you take the title…it is. This article is meant for people that don’t have insurance and need to go to the doctor, dentist, specialist, etc. This is not meant to be interpreted by you as good ole Don has another loophole for us that lets us cancel our insurance and still get cheap medical bills. That’s just not the case. If you don’t have insurance and you need to go to the doctor here is what you do. I will use a dentist office for this example. Say you need to have your wisdom teeth pulled. What you do is call up the dentist and ask them for a free consultation visit. (Most dentist offices will do this for you. If your particular one doesn’t, call around until you find one that does.) Now, when you go to the dentist […]

Not long ago, I got an email from a gentleman wishing to set up a mobile oil change business in Florida. He was concerned about what sort of insurance he might need and was under the impression that a 1 million dollar commercial liability policy was needed up and beyond his work truck vehicle commercial auto policy. Okay so, let’s talk about this; is he correct? It turns out that he most definitely is, you see commercial auto is not the same as completed operations or the potential liability while working. For instance, if a car catches on fire that you are working on, your commercial auto policy isn’t going to cover it. Do you see that point? So, this is the advice I explained to him; You will need most likely want to get a commercial insurance policy; $1 million aggregate, 300K per occurrence general liability, with a “garage […]

One of the largest risks facing small business owners is a failure to ensure an adequate level of insurance cover for their company – this is particularly true of small businesses who may not quite have the resources to cope with the large financial losses which may be suffered as a result of ‘underinsurance’. A UK study recently estimated that around 80% of businesses may actually be underinsured, and this figure is only likely to rise given the unprecedented volume of new businesses which are forming by the day in the UK. As commercial insurance can be a somewhat dry and complicated topic, it is often overlooked by business owners eager to focus their efforts on lead generation, sales, customer service and production. This is an understandable, yet extremely dangerous view to take, particularly in the modern era. Unfortunately, claiming that you were ‘unaware’ that you lacked the correct insurance […]

If you are a citizen of the Northwest as you know winter can be one of the harshest times of the year. As the winter storm that did thousands of thousands of dollars of damage to home through the Northwest proved it's not only snow that you have to worry about but the ice, wind and rain as well. In the winter of 2008 thousands of people across the Northwest felt the shock of the winter season take hold as they lost power, become stranded in many areas, or even suffered from structural damage to their homes from both the environment and their surroundings (such as Trees, power poles and out-of-control cars). For homeowners without a home insurance plan or adequate protection this meant not only different loss in damages but also the loss of a functional, warm living space that could potentially save them from the cold. In the […]