Category Archives: Finance Guide

Imagine if your current insurance policy could be eliminated. What if your current health insurance doesn’t cover office visits co-pays, or specialist co-pays? Did you ever consider how much a “zero” drug deductible could be costing you each month? If this is something you think about every day, or if you’re just one of those people who talk […]

In no-fault states such as Minnesota, PIP (personal injury protection) insurance is a common topic of discussion with car insurers. PIP covers you and your passengers’ medical expenses resulting from an accident, as well as any related costs such lost wages. PIP is an important part of any insurance plan. It should be thoroughly researched, and carefully considered […]

All of us have been there. We’ve all thought about buying something, but haven’t had the time or resources to properly research it. We decide to buy it because it looks good and since I don’t have the time right away, it’s worth it. I assume they’re all the same. The skim researcher will do more. They will […]

Builders risk insurance is essential coverage for contractors and owners when building a new structure. This insurance allows you to protect your structure during construction. This type of insurance offers benefits not available with commercial property or homeowners insurance. These are the main benefits of this coverage. How it works This type of insurance is usually purchased by […]

If you are making a car accident claim, the other driver’s insurance company will likely contact you to discuss injuries and damages. Ideally, an experienced car accident lawyer should be hired before communicating directly with their insurer. However, this may not always be feasible. In this article we will look into whether and when to […]

Renters insurance policies cost approximately $168 annually to cover up to $100,000 of personal property, which typically includes coverage against theft, damage and additional living expense expenses if necessary. Estimate the value of all your possessions to establish how much personal property coverage is necessary. Consider creating a home inventory to document all items’ prices/current […]

Dean Winters is best known as the actor behind Mayhem insurance commercials and boasts an extensive acting resume, including roles in John Wick and Rescue Me. Additionally, he portrayed Avi in Tarasov Mob movies. His Allstate ads combine deadpan humor and big set pieces to stress the importance of having quality insurance. He is an […]

Most businesses are required by law to provide workers’ compensation insurance to their employees; however, this only covers medical costs related to workplace injuries or illnesses and not unrelated ones. While it is illegal for employers to retaliate against employees who file worker’s comp claims, they are not obligated to maintain them on payroll and […]

Unfortunately, not many people understand mortgage payment protection insurance (MPPI). Yet each year, many people buy it along with their mortgage believing that it will provide the income they need to cover their expenses. Although it is usually able to do so in most cases, there are some exclusions that could make it difficult for you […]

These complex financial products combine investment growth and life insurance in one package. These products were popular among homebuyers in the eighties, nineties and nineties as a way to repay a mortgage. Many people purchased them because they were able to get large commissions from home loan companies and middlemen like estate agents. These charges are often […]