Author Archives: Admin

Many of those enrolling through an Affordable Care Act exchange or marketplace receive federal premium subsidies and cost-sharing reductions, yet any significant improvement would require undoing tax cuts worth $2 trillion over 10 years. These programs have made health insurance affordable for millions of Americans, but navigating them can be complex. Here is a guide […]

USPS offers package insurance at a reasonable cost, which protects the value of your item should it become lost or damaged during shipping. It’s an ideal solution for sending fragile or high-value goods as well as building trust among your customers. USPS services typically come with some level of free coverage, and additional insurance can […]

A vacant home differs significantly from one inhabited by someone, in both physical and financial terms. Protecting it requires special measures. Vagrant homes present greater risks of vandalism, theft and water damage; without someone around to detect leaks for example, your home could become irreparably damaged beyond repair. Some insurers offer vacant home coverage as […]

Sometimes, homeowners misplace important paperwork from closing. For example, they might misplace their lender’s title insurance policy purchased when financing the purchase of their home. Most title insurers can assist you in finding a replacement policy, provided that you present closing paperwork such as HUD-1 Settlement Statement, ALTA Statement and Closing Disclosure forms from your […]

Many AAA members are inquisitive as to whether or not their membership includes rental car coverage. According to WalletHub, most credit card providers and auto insurers provide rental protection plans. Prior to purchasing additional protection for your personal auto policy, it’s essential that you understand its coverage limits and deductibles. Depending on your individual needs, […]

Employer-sponsored health insurance plans are an increasingly popular way for companies to attract and retain talent, while offering tax savings benefits for both employers and employees. But how does group health insurance work exactly? There are various options, each offering different features that impact coverage such as plan tiers and provider networks. Cost-Sharing Model Employers […]

Business insurance can protect against unexpected incidents that threaten the success of your enterprise, although costs for different forms of coverage vary significantly. Insurance providers take past accidents and claims into consideration when setting premium rates, so starting a newer business will usually incur higher premiums than established ones with clean histories. Some businesses choose […]

Homeowners’ insurance policies often cover structural damage caused by fallen trees as long as the fall was due to an insured peril, such as high winds or hailstorm. But homeowners must understand how insurance companies approach claims regarding fallen trees. No matter where the tree originally fell, most homeowner policies cover the cost of removal […]

Many children opt to remain on their parents’ car insurance to save money, but at what point should they purchase their own policy? Most often, children can stay on their parents’ policy if they remain living at the same address; however, there may be certain instances that would necessitate being removed from it. Age Children […]

Louisiana insurance companies must abide by stringent timetables when it comes to processing claims. Adjustments on claims typically begin 14-30 days after receiving proof of loss, according to Louisiana regulations. Proof of loss must include receipts, invoices and estimates that demonstrate your losses and damages quickly. Your insurance provider must compensate you accordingly. The Statute […]