Category Archives: Finance Guide

American Modern Insurance was established in 1965. It was the first company to specialise in mobile home insurance. The company started selling home and car insurance several decades later. The company currently offers policies in all 50 US states and Washington, D.C. American Modern Car Insurance American Modern does NOT offer standard auto insurance. The company is a specialist […]

In 2008, at the height of the financial crisis, murmurs began to emerge in small online communities made up of cryptography enthusiasts and computer scientists. The community broadcast a white paper called “Bitcoin Peer to-Peer Electronic Cash System”, which was a research paper. Who is the author? Satoshi Nakamoto. Satoshi was not a well-known name in the communities. Satoshi […]

2017 Hurricane Harvey caused the destruction of over 1,000,000 vehicles in Texas and other neighboring states. Each year hurricane season causes more damage to property and vehicles. Storm surges and flooding are common with hurricanes. In 2020, it was estimated that more than 446,000 flood-damaged vehicles were on roads. You may feel more at risk if your home is near the coast […]

Many insurance companies conduct routine background checks on drivers at renewal time and when taking on additional coverage or purchasing a vehicle. How a speeding ticket affects your rates depends on several factors, including your driving record and how far over the limit you were. Some drivers may be able to avoid increased premiums by […]

Discover the federal laws that regulate the sale of Medigap policies. It is illegal for insurance companies to pressure you into buying one or provide false information about coverage. Medigap insurance helps pay some of the health-care costs that Original Medicare does not, such as copayments, coinsurance and deductibles. There are 10 government-standardized plans with […]

No matter the size or nature of your tattoo parlor, having appropriate insurance is key for protecting itself against claims involving property damage and bodily injury, while errors and omissions coverage protects against allegations of subpar work performed on clients. Commercial property insurance provides valuable protection for your equipment, furnishings and the physical building itself […]

The US Postal Service offers package insurance policies you can buy online or in person, or automatically insure certain mail classes automatically. USPS insurance is fully backed by the federal government and guarantees your coverage against potential claims. However, carrier liability does not extend to taxes or fees related to international shipments such as customs […]

Title insurance marketing should target several audiences. Ads must be eye-catching and pertinent to the home buying process, while legally collecting email addresses helps build customer bases. Offer educational e-newsletters on topics like escrow, property searches and title insurance protection to build customer retention. Education of the public shows your caring nature and sets you […]

The National Flood Insurance Program is in debt to the tune of $24 billion, and under Biggert-Waters Act we can expect many changes – including increasing premiums so they more accurately reflect individual risk profiles. At present, private companies known as WYOs operate the NFIP by marketing flood policies and making payout decisions according to […]

Comprehensive car insurance may not be mandatory, but it may be worth investing in. Car dealerships and banks often require it if financing or leasing a vehicle from them. Consider whether theft and natural disaster coverage is worthwhile depending on the value and financing situation of your vehicle, your geographic area and what threats might […]