Insurance

I’m Covered — No You’re Not! How to Dispute Insurance Claims

You’re sitting in your favorite chair when you hear the sound of screeching tires, followed by breaking glass and crunching metal. Before you even have a chance to get up and see what’s happening, a 1977 Cadillac Coupe Deville crashes through your living room wall, knocking you from your chair and breaking your right arm …

How to Insure Your Home Business

A business is a business regardless of where it’s located. That includes home-based businesses, which is why decisions about insurance should be based on need and not location. Each of the almost 40 million home-based businesses in the United States is unique. From the smallest part-time venture to multimillion-dollar international enterprises, they all need insurance to …

How to Start Your Own Insurance Business

Looking for a recession-proof business? Insurance is one of those industries that is largely untroubled by the state of the economy. The reason is that most insurance products are necessary part of modern life. You can’t own a car without automobile insurance, and while your mortgage company may not require that you have homeowners insurance, would …

Cyber Insurance for Your Business

The saying “crime doesn’t pay” is intended to caution would-be criminals that the reward is not worth the risk. And for the most part, it’s true: The average act of grand larceny in 2013 netted about $1,260, according to the FBI. Conviction of grand larceny is punishable by up to five years in prison; with time off, …

How to Find Affordable Health Insurance in 2014

Whether you’re self-employed, unemployed, or covered under an employer’s health-care plan, finding affordable health insurance can be a frustrating, time-consuming process. Throw in controversy around the Affordable Care Act (ACA), and finding accurate, reliable information can be a nightmare. Sure, cheap health insurance exists, but qualifying can be tricky, and you’ll want to be sure …

Best Cheap Insurance in 2014

Whether you’re looking for auto, home, or life insurance, you certainly don’t want to overpay. Unfortunately, policy prices are based on highly personal factors; what might be the cheapest insurance company for your friend or neighbor could be the most expensive for you. And you might find an awesome deal with a certain provider now, …

Categories: Insurance

Cyber Insurance and Personal Data

Imagine if complete strangers could look inside your head and see your every thought and know everything about you. Imagine if they could use that information any way they wanted to. What sort of damage could they do to your life? Strangers can’t get into your head to root around for information to exploit, but …

The Accidental Landlord

When I say real estate tycoon, your thoughts probably jump straight to Donald Trump or somebody on a reality show. Then you probably smile a little bit and think to yourself, “If only I had an investment property, I could be on my way to a mega-fortune in no time at all.” Well, if you …

Everything You Need to Know About Workers’ Compensation

Virtually every business with any employees in the United States has to address the issue of workers’ compensation coverage. We’ll look at why you need it, how it works, and how to pay less for it. Most but not all states require that workers’ compensation coverage be provided in the form of an insurance policy …

Steering Clear of Car Insurance Scams

You are probably already a victim of insurance fraud, whether you realize it or not: The average family pays between $400 and $700 a year in higher premiums just to cover the more than $40 billion cost of non-health insurance fraud, according to FBI estimates. About half of that comes from auto insurance alone. The National Insurance …

Categories: Automobile, Insurance

What Happens When Insurance Companies Go Bust?

What do you do when you’ve entrusted a company to insure your most valuable possessions — your car, your home, your life — and that company goes belly-up just when you need them most? Of course, no one expects the company holding their policy to go bankrupt. But still, every once in a while, it happens. When …

Words Matter: How to Speak Insurance

All insurance policies are contracts between an insurance company and a person or business. As with all contracts, they contain some very specific language that spells out the responsibilities of both the insurance company and the policy holder. Since insurance policies are intended to be read by consumers without the benefit of an attorney, the …

Categories: Insurance

Around the World With Travel Insurance

Whether it’s for business or pleasure, by land, air, or sea, travel is fraught with perils. That may be a bit hyperbolic, but the fact of the matter is that travel introduces some risks that you wouldn’t normally have to be concerned with. Regardless of whether you or a loved one plans to backpack across the …

Categories: Insurance, Travel

Life Insurance for Your Business: The Basics

Businesses of every size and type operate on a risk-reward basis. Risks are everywhere, from investing in new equipment in hopes of earning new business, to hiring a new employee on the strength of a resume and a 30-minute interview. However, any good businessperson will also agree that thoroughly considered risks are not only necessary, but the …

Confronting Your Worst Money Fears

A tornado sweeps through your town and leaves nothing but death and destruction in its wake. An electrical fire burns your house and everything in it to the ground. A hacker steals your identity and runs up tens of thousands of dollars in debt before you realize what’s happened. Or, a distracted driver gets into a severe, life-changing accident …

How to Find Cheap Home Insurance in 2014

If your home is your castle, cheap home insurance is your modern-day dragon and moat. Homeowners insurance doesn’t just protect the structure of your house. It also protects your belongings and covers you in case you’re liable for someone else’s injuries or property damage while they’re at your home. Though a number of factors that …

Best Car Insurance Companies of 2014

You’ve seen auto insurance ads cluttering every commercial break, no doubt. Sometimes they’re funny (talking animals, anyone?), sometimes they’re sobering (shocking crashes, sobbing families), and sometimes they simply appeal to your bottom dollar by promising the best possible rate. The barrage of ads underscores that there’s no shortage of competition among the nation’s car insurance …

Are You Covered?

Insurance is a form of protection for the things you value most in life. It helps you manage risk by promising to assume some or all of the financial burden caused by unexpected events such as fire, accidents, illness, or death. But not everyone has the same insurance needs. As you accumulate more of value …

Categories: Insurance

How to File an Insurance Claim

It’s a beautiful day with clear skies and bright sunshine. The birds are singing and there’s a gentle breeze rustling the leaves in the trees. You take a deep breath and savor the sweet scent of honeysuckle. You think all is right with the world, and then… it happens. It can be a car slamming …

Categories: Insurance