Category Archives: Finance Guide

Flood insurance provides protection to repair or replace your home and its contents following a flood. While the National Flood Insurance Program limits dwelling coverage at $250,000, private insurers such as Neptune offer higher amounts. As with car and homeowners insurance policies, choosing a higher deductible can lower your premium but could require you to […]

Dental implants are an increasingly popular and costly treatment option, leading many people to wonder whether health insurance will cover this procedure. Answering this question depends entirely on your specific health insurance plan, which contains numerous coverage provisions which may be confusing and complex. What Is Covered? Dental implants are the go-to treatment option in […]

If any member of your household possesses a driver’s license and regularly uses your vehicles, it is wise to add them to your insurance policy in order to provide sufficient coverage in case an accident should arise. It also gives you access to discounts such as good student discounts for teenagers. Adding a new driver […]

Mopeds may be convenient and fun, but they also pose risks that are sometimes devastating. Accidental injuries caused by moped accidents may have lasting repercussions for riders and their finances; moped insurance provides vital protection. Mopeds are considered vehicles in most states and must be registered and titled with the Department of Motor Vehicles (DMV), […]

Businesses must prepare themselves against unexpected events by purchasing property and liability policies to cover losses and defend against possible lawsuits. As a hiring party, it is your duty to verify that all contractors you work with have adequate insurance policies that comply with contractual obligations as well as state and industry-prescribed regulations. This process […]

Quitclaim deeds offer a quick and efficient method for transferring property titles between family members or to trusts. However, these deeds do not offer buyers any protection. This blog post will explain why most title companies do not insure quitclaim deeds and what you can do about it. Underwriting Guidelines Deeds are legal documents used […]

The average cost of car insurance varies widely depending on several factors, including where you live and which coverage options you select. To provide accurate national averages, WalletHub conducted a nationwide survey among major car insurers using an ideal driver profile that fulfilled requirements in all 50 states. Some of the key factors are within […]

Homeownership comes with many tax deductions, but homeowners insurance is typically not one of them. As there may be circumstances where home insurance could be partially or fully tax deductible, read on! Homeowners Insurance Premiums Homeowners insurance premiums are typically not tax deductible; however, there may be exceptions. Rental property premiums can be deducted, and […]

Insurance can be an effective way to guard against disasters; however, over-insuring can leave you paying for coverage that’s unnecessary. Overspending on insurance can seriously compromise savings for down payments, retirement accounts, college funds for your children and emergencies. Therefore, it’s crucial that you review and shop around for policies annually. Policy Limits Insurance policy […]

Homeowners and renters insurance typically includes liability coverage for dog bite injuries occurring either on or off their premises, such as medical costs and damages caused by bites that lead to lost wages, pain and suffering or property losses. Some homeowners insurers impose breed-restriction policies, making it more challenging to insure your pet. Others will […]