Category Archives: Finance Guide

Travel trailers are non-motorized vehicles, meaning most states do not require their owners to purchase insurance for them; however, your car or truck’s liability coverage may extend over to it in certain instances. Most policies also provide roadside assistance services like jumpstarting, fuel delivery and tire changes; some even cover personal items in case of […]

Under the Affordable Care Act (ACA), plans and insurers are required to offer dependent coverage up until a child turns 26 years old – but with certain exceptions. Dependency eligibility depends on a number of different criteria, including if an adult is married, has children of their own, or lives away from the parents’ house. […]

Aircraft insurance costs can be expensive, depending on its value, age and usage. Policies usually provide liability protection as well as physical damage coverage (hull coverage). Liability insurance typically includes third-party property damage, passenger liability and final expenses in the event of a fatal accident. Training and experience of pilots are also taken into consideration. […]

When renting a car, salespeople at the counter will probably encourage you to purchase their company’s insurance as an added cost. But is it really worthwhile? If your auto policy includes both liability and collision coverage, rental car insurance may not be necessary. But if only state minimum liability exists or none at all, an […]

When selecting a health plan, it’s essential to understand deductibles and copays. A deductible refers to the amount that must be paid before insurance coverage kicks in; copays are payments you make after meeting your deductible amount. Copays are flat amounts (for instance $20) you pay when visiting the doctor; often these payments count towards […]

TRICARE is a health care program for active duty service members, retirees and their families that offers health plans, special programs, prescription coverage and dental coverage. Your TRICARE ID card comes equipped with an 11-digit Department of Defense Benefits Number (DBN), which serves to validate eligibility and file claims. In addition, it displays which type […]

Most experts advise that each resident in a shared house should carry his/her own renters policy to protect personal property and provide recourse in case it is lost or destroyed. Averagely, roommates should invest in at least one policy together each year at around $12 monthly premiums for added peace of mind. This makes insurance […]

Losing track of your keys can quickly turn into having a stolen car, so it is wise to understand all your coverage options well in advance of such an incident occurring. Comprehensive, specified perils and all-perils car policies typically cover theft of a vehicle’s contents including key fob. Furthermore, personal property coverage on homeowners or […]

Have multiple health insurance plans is an increasingly popular trend. Supplementary policies – also referred to as “top-up” or “super top-up” insurance policies – help cover medical expenses not covered by primary healthcare plans. Before deciding to carry two plans, it is important to carefully consider both present and future healthcare needs as this usually […]

If your dental coverage comes through an employer, open enrollment is the only time when changes to it can be made; otherwise, qualifying life events must first occur before any adjustments can be made. Individual dental insurance policies may help you to bypass waiting periods; however, you should carefully weigh the costs of premiums against […]