Author Archives: Admin

Agents from across the U.S. clear up a few of the most common insurance misconceptions. Insurance can be complicated and not everyone has the time or desire for to go through all of their policies. A little knowledge can make a big difference. An insurance agent can help you to understand the basics and dispel any […]

Farmers is one of the largest national insurers and offers many useful features to renters. These include the ability to customize coverage, an app that makes it easy to use, and the ability to manage your policy online. NerdWallet found that Farmers’ renters insurance rates were more expensive than the national average, but the company offers […]

Travelers home insurance is a solid choice if you are looking for a customized homeowners policy from a well-respected, established company. Travelers was established in 1864 and sells homeowner policies in all 50 states. Travelers allows you to manage your policy online, or talk with an independent agent about the coverage that is right for you. Overall […]

Homeowners insurance is more than just required by mortgage lenders; it provides financial security for both your property and personal liability. Homeowners policies provide complete coverage that protects both the actual cash value of your house and contents as well as liability claims on those harming others on your property. Liability coverage protects you against […]

Credit life or debt protection insurance policies may be sold by banks and lenders when you take out a loan, though you are under no obligation to accept them. These policies are typically guaranteed issue and require no medical exam to obtain. Furthermore, their beneficiary is usually the lender themselves rather than your heirs. Lenders […]

If an insurance provider denied a claim that is crucial to your health, consider filing an internal appeal. Check your plan documents or website for information regarding this process and deadlines. Proving medical necessity is usually the easiest way to overturn a denial. You may need to go through two-tier appeals process with external review. […]

Rodent damage may not receive much consideration in car insurance policies, yet it can be costly. Luckily, comprehensive policies often cover it. Comprehensive car insurance provides additional protection from theft, fire and falling objects – not necessarily things like rodents chewing through wires though! Unfortunately this coverage doesn’t usually extend to rodent chewing through cables […]

Policy numbers on insurance cards provide an identifier that corresponds directly with your specific coverage. They’re essential when filing claims, accessing policy details or communicating with insurers about coverage matters. This code, commonly referred to as your Member ID number, should always be kept handy when purchasing insurance coverage. Prepaid Health Cards Prepaid health cards […]

Many people rely on dental coverage provided by their employers or as part of a medical insurance plan, while those needing additional coverage may find more cost-effective plans through licensed marketplaces like eHealth. Private dental plans often provide multiple options, from Preferred Provider Organizations (PPO) to Dental Health Maintenance Organizations (DHMO). Finding one that suits […]

Medical expenses are among the greatest retirement costs. But they may be tax deductible if you itemize deductions rather than taking the standard deduction, according to Claire Hunsaker, founder of AskFlossie a financial community for women. Long-term care insurance premiums are an expense. But are they fully tax deductible? Tax Deductions Retirees can take advantage […]