Insurance

The 4 Best California Homeowners Insurance Companies

The California home insurance market is the largest in the country, with over 50 providers competing for customers. As a result, the average rate for homeowners insurance is pretty low, despite an otherwise expensive housing market — quotes for annual premiums averaged just $980 in 2012, which is lower than the national average for that year. California’s enormous …

Categories: Housing, Insurance

The 5 Best New York Homeowners Insurance Companies

Home to one of the world’s largest cities as well as over 36,000 farms, New York is a diverse state of skyscrapers and silos, with varied insurance needs. While the average annual premium for homeowners insurance in New York State is pretty pricey — $1,158 compared to the national average of $1,034 — shopping around will …

Categories: Housing, Insurance

The Cost of Raising a Child (and the Baby Checklist You Really Need)

If you just assumed that having children must be an expensive proposition, last year’s “Cost of Raising a Child” report from the U.S. Department of Agriculture removed all doubt. The cost for a middle-class family to raise a child to the age of 18 comes in at around $245,340, according to the report — and that doesn’t …

Categories: Family, Insurance

What Is FDIC Insurance?

FDIC insurance protects customer bank deposits in the event of a bank failure. The Federal Deposit Insurance Corporation, the independent government agency that runs the program, was set up in 1933 to restore faith in the financial system during the Great Depression. After all, when you entrust your life’s savings to a bank, you expect …

Categories: Banking, Insurance

Looking for Travel Insurance? Check Your Wallet First

Just last winter, my husband and I took a much-anticipated vacation to Jamaica with some friends. Not only was it a nice way to break up the cold Midwestern winter, but it was also nice just to get away. That’s probably why we paid so little attention to what was going on back home; we …

Best Cheap Insurance in 2015

Finding good, affordable insurance coverage is possible, whether you’re looking for cheap car insurance, homeowners insurance, or a life insurance policy. Unfortunately, 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 …

Categories: Insurance

Best Car Insurance Companies of 2015

The best car insurance companies offer comprehensive coverage, superior customer service, financial strength, and painless shopping experiences to get a leg up on their competition. The barrage of TV ads underscores that there’s no shortage of competition in the industry, either. Whether you’re staring at Progressive’s Flo or Allstate’s “Mayhem,” it’s hard to escape any …

How to Get Cheap Car Insurance in 2015

Whether you have a set of shiny new wheels or a decaying rust bucket, cheap car insurance is a must for staying legal on the road. The good news? You have more control over factors that influence your car insurance rates than those that affect other types of coverage, such as life insurance or home …

How Much Will That Ticket Cost You?

Before we pass our road test and receive a freshly minted driver’s license, we learn one of the most important facts about driving: Being charged with a moving violation is costly. Most of us have the facts imparted first by a driving instructor and then reinforced by a concerned parent, who assures us that the …

Categories: Automobile, Insurance

Health Care for Buster: All About Pet Insurance

Our pets are many things — companions, protectors, and servants. They are warm and fuzzy. They bring smiles to our faces and joy to our hearts. Our pets are good for our emotional well-being as well as our physical health. Our pets are members of the family that are woven into many of our fondest …

Categories: Family, Health, Insurance

It’s Insurance, It’s an Investment: It’s Variable Life Insurance

The subject of variable life insurance brings to mind a fake “Saturday Night Live” commercial for a product called Shimmer. In the spoof, Dan Aykroyd and Gilda Radner play a married couple arguing about whether Shimmer is a floor wax or a dessert topping; they ultimately agree it’s both. Variable life insurance is a hybrid that, like …

Categories: Insurance, Investing

Do You Believe in Health Care Sharing Ministries?

Since Jan. 1, my family has been without traditional health insurance for the first time in our lives. Sounds scary, but it wasn’t a decision we took lightly, or one we made voluntarily. Due to the passage of the Affordable Care Act (ACA), also known as Obamacare, the Anthem plan we had last year was …

Categories: Health, Insurance

How to Start a Home-Based Medical Billing Service

There’s a reason your mother said that if you can’t be a doctor, marry one — because there’s lots of money to be made in health care. But if you missed the bus to medical school and you haven’t married a doctor, there’s still lots of money to be made from being a health care professional, …

Are Annuities Right for You?

Annuities are not complicated, which is why so many people find them appealing. They come in two basic types — immediate and deferred — with two ways of calculating earnings — fixed and variable. Immediate annuities: As their name implies, these begin paying you as soon as you buy them. Payments are based on your original …

Categories: Insurance, Retirement

Retiring Abroad? What You Need to Know About Health Insurance

So you want to pack up all your cares and woes and retire overseas. The world is full of possibilities, from hundreds of thousands of miles of warm and habitable coastline to mountain towns and cosmopolitan cities on six continents. Your retirement benefits including Social Security will travel to your destination. However, one thing that …

Will 2015 Bring Lower Health Care Costs?

When it comes to health care, the most common question is: Will my costs go up in 2015? The answer is a resounding… absolutely maybe! There are multiple answers. The cost of health care services will be going up in 2015. That means doctors and hospitals will increase their fees. The same is true for lab …

Categories: Health, Insurance

Why You Probably Don’t Need Rental-Car Insurance

Your bags are packed, you’ve found a sitter for the dog, and you’ve suspended your newspaper subscription for a few days. That can only mean one thing: You’re going on a trip. This year, consumers will take 1.6 billion leisure trips across the United States, reports the U.S. Travel Association, a trade group. Nearly eight in …

Best Travel Insurance for 2015

The best travel insurance can help cushion the financial blow in case of situations that can upend an expensive, carefully planned trip. Whether you’re suddenly dealing with an unexpected illness, a death in the family, a missed flight, or even a lost suitcase, all of these scenarios have the potential to cancel or ruin your …

Categories: Insurance, Travel

What to Know Before Buying Insurance Stocks

Promises, promises. Insurance is all about promises. Policyholders promise to pay their premiums and insurance companies promise to pay claims in a timely manner. On the surface, it’s a straightforward proposition, unless the insurance company can’t afford to pay all its claims. Policyholders are not alone in that fear. For many investors, particularly casual investors, …

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