Author Archives: Admin

Based on your business insurance needs, it may be necessary to work with non-admitted insurance markets. These policies typically offer niche or higher risk coverage that admitted markets don’t provide. Non-admitted or surplus lines insurers (also referred to as surplus lines) are typically overseen by their state through the surplus lines office, though they are […]

People often become dismayed to discover that their health insurance has not covered lab testing services. Understanding your coverage options and cost management practices are the keys to optimal care and cost control. Choose an in-network laboratory to reduce out-of-pocket expenses. These labs have established rates with your insurance provider. Types of Lab Tests Laboratory […]

Homeowners insurance provides coverage for many aspects of homeownership; however, not everything. For instance, if your dishwasher springs a leak and damages the floor in your kitchen, homeowners insurance may cover some or all of the damage – but only if it was sudden and accidental. But what about bathtub leaks? NerdWallet investigates whether homeowners […]

Homeowners insurance is an invaluable way to safeguard both your possessions and financial wellbeing against unexpected events. It can protect against property damage, liability issues and additional living costs. When renting out your home, landlord insurance policies provide essential protections. This article outlines their key differences. Property Coverage Homeowners insurance provides essential protection in the […]

Car insurance companies generate revenue by selling policies with premiums attached in return. They also make money through investments and other sources, which helps cover costs while providing financial security in case of claims. Drivers with poor credit tend to pay more for car insurance due to insurers charging them higher premiums as compensation for […]

Most states mandate car insurance in order to drive legally. If you don’t carry coverage when operating someone else’s car, fines, license suspension and even imprisonment could follow. NerdWallet writers are subject matter experts who conduct both primary and secondary research to answer your queries. We draw our data from expert interviews, government websites and […]

Homeowners insurance provides financial security in case of unexpected events like fire. To determine what coverage is appropriate, it’s essential to understand all available policy types, limits and deductibles. Policies generally cover damage to your house and belongings as well as injuries sustained on your property, along with liability coverage if anyone gets hurt on […]

North Carolina businesses must purchase workers’ comp insurance. This policy protects employees against injuries sustained on the job and occupational diseases contracted at work; it excludes injuries that occur as part of their regular duties and are caused by routine events, like routine events happening while performing an employee task that they regularly complete. Corporate […]

Short-term medical insurance plans offer temporary health coverage that are lightly-regulated, noncompliant with Affordable Care Act guidelines, and provide limited benefits at higher costs. They’re generally offered across most states. If you’re considering purchasing a short-term plan, be sure to read all of its fine print before making your decision. Furthermore, research the insurer and […]

At least one out of every four 20-year-olds should expect to become disabled for at least one year before retirement age. Individual disability policies provide essential protection to your financial stability and the lifestyles of those you rely on. Long-term disability insurance may be expensive, but it could save you from the strain and anxiety […]