Category Archives: Finance Guide

America’s roads are expanding and humans continue to meet the natural landscapes and their animal inhabitants. It is not unusual for humans to cross paths with the wild, especially when construction increases and animal populations are reduced by modern expansion. Wildlife can pose a serious and fatal threat to drivers. According to the U.S. Department of Agriculture […]

Student medical coverage is a type of personal medical insurance that’s specifically designed for students at college or university. Students must be at least 18 years old to be eligible for student medical coverage. You can choose from coverage that is low-cost and limited in terms of the terms or more costly and comprehensive. Is student health […]

Burial insurance, also known as death insurance, is a way to make sure your funeral expenses are covered before it happens. This insurance is a way to prepare for the unexpected and ensure that your loved ones are not left responsible. There are many choices when it comes to insurance that covers life and death. It is […]

Huntsville residents pay on average $1,433 per year or $119 per month for homeowners insurance with $250,000 coverage. This is higher than the national average at $1,312 and much lower than the $1,917 average for Alabama. Bankrate compared the policies of local insurance companies to find the best Huntsville home insurance. We also evaluated affordability and the availability of […]

Homeowners insurance is more than just required by mortgage lenders; it provides financial security for both your property and personal liability. Homeowners policies provide complete coverage that protects both the actual cash value of your house and contents as well as liability claims on those harming others on your property. Liability coverage protects you against […]

Credit life or debt protection insurance policies may be sold by banks and lenders when you take out a loan, though you are under no obligation to accept them. These policies are typically guaranteed issue and require no medical exam to obtain. Furthermore, their beneficiary is usually the lender themselves rather than your heirs. Lenders […]

If an insurance provider denied a claim that is crucial to your health, consider filing an internal appeal. Check your plan documents or website for information regarding this process and deadlines. Proving medical necessity is usually the easiest way to overturn a denial. You may need to go through two-tier appeals process with external review. […]

Rodent damage may not receive much consideration in car insurance policies, yet it can be costly. Luckily, comprehensive policies often cover it. Comprehensive car insurance provides additional protection from theft, fire and falling objects – not necessarily things like rodents chewing through wires though! Unfortunately this coverage doesn’t usually extend to rodent chewing through cables […]

Policy numbers on insurance cards provide an identifier that corresponds directly with your specific coverage. They’re essential when filing claims, accessing policy details or communicating with insurers about coverage matters. This code, commonly referred to as your Member ID number, should always be kept handy when purchasing insurance coverage. Prepaid Health Cards Prepaid health cards […]

Many people rely on dental coverage provided by their employers or as part of a medical insurance plan, while those needing additional coverage may find more cost-effective plans through licensed marketplaces like eHealth. Private dental plans often provide multiple options, from Preferred Provider Organizations (PPO) to Dental Health Maintenance Organizations (DHMO). Finding one that suits […]