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Elevation Certificates (ECs) can help your client take steps that reduce flood risk while complying with local floodplain management ordinances, while potentially leading to lower insurance rates and premiums. Before hiring an engineer or surveyor to perform a flood elevation certificate, check with your local floodplain manager first. Your community may already have an EC […]

Homeowners in high-risk areas should purchase flood insurance as an essential step towards becoming homeowners, with lenders often mandating that these individuals obtain coverage through the National Flood Insurance Program (NFIP) before being approved for federally regulated loans. NerdWallet walks you through both types of policies offered by NFIP: building and contents coverage. Our guide […]

If you are considering purchasing whole life insurance, it’s essential that you understand how dividends work. Dividends represent a portion of a company’s profits that is paid back out as dividends to policyholders. Life insurance dividends, unlike cash value earnings, typically don’t incur taxes and you may choose between applying it toward premium reduction or […]

Once living at their listed address, remaining on your parent’s car insurance may be cheaper than taking out your own policy. Just keep in mind that any DUI could quickly make you high risk and could prevent them from adding you back as a beneficiary. You live with them There is no age restriction when […]

When selecting a home insurance deductible, it’s essential to factor both short and long-term costs into your decision. Select an amount you can comfortably cover in case of a claim filing. Deductibles are typically either dollar amounts or percentages of the coverage amount of your policy. Learn about how they could impact your homeowners insurance […]

Medicare Supplement insurance (Medigap) helps cover out-of-pocket expenses not covered by Original Medicare, such as deductibles and copayments. Medicare Supplement plans are sold by private insurance companies licensed by individual states. NerdWallet compares the best Medicare Supplement insurance companies based on plan availability, pricing, extra perks and more to find you the most appropriate plan […]

USAA provides insurance and financial services tailored to military members, veterans, and their families. Their products include long-term disability coverage, life insurance policies and banking services – as well as exceptional customer service. Home insurance premiums depend on factors like location and home size. Life insurance costs depend on age and health status – some […]

Business insurance provides essential protection for any company against costly damages or lawsuits, providing peace of mind for both employees and owners alike. While most small businesses only require general liability and business owner’s policies, others may need specific coverage depending on their structure or industry. Some examples include product liability coverage that protects against […]

Typically, your parents cannot be added to your health insurance plan; most company plans only cover you, your spouse and any “Dependent Children.” But there may be exceptions. Your parents can be added to your plan during open enrollment or when an eligible event occurs such as getting married, having a baby or losing coverage. […]

DEXA scans (also referred to as bone density testing or densitometry) measure the thickness of bones to help doctors diagnose osteoporosis, a disease in which bones become fragile and more likely to fracture. Valley uses cutting-edge PET scanning technology, which displays metabolic processes in your body and can identify cancerous from healthy tissues. What is […]