Category Archives: Finance Guide

When selecting a home insurance deductible, it’s essential to factor both short and long-term costs into your decision. Select an amount you can comfortably cover in case of a claim filing. Deductibles are typically either dollar amounts or percentages of the coverage amount of your policy. Learn about how they could impact your homeowners insurance […]

Medicare Supplement insurance (Medigap) helps cover out-of-pocket expenses not covered by Original Medicare, such as deductibles and copayments. Medicare Supplement plans are sold by private insurance companies licensed by individual states. NerdWallet compares the best Medicare Supplement insurance companies based on plan availability, pricing, extra perks and more to find you the most appropriate plan […]

USAA provides insurance and financial services tailored to military members, veterans, and their families. Their products include long-term disability coverage, life insurance policies and banking services – as well as exceptional customer service. Home insurance premiums depend on factors like location and home size. Life insurance costs depend on age and health status – some […]

Business insurance provides essential protection for any company against costly damages or lawsuits, providing peace of mind for both employees and owners alike. While most small businesses only require general liability and business owner’s policies, others may need specific coverage depending on their structure or industry. Some examples include product liability coverage that protects against […]

Typically, your parents cannot be added to your health insurance plan; most company plans only cover you, your spouse and any “Dependent Children.” But there may be exceptions. Your parents can be added to your plan during open enrollment or when an eligible event occurs such as getting married, having a baby or losing coverage. […]

DEXA scans (also referred to as bone density testing or densitometry) measure the thickness of bones to help doctors diagnose osteoporosis, a disease in which bones become fragile and more likely to fracture. Valley uses cutting-edge PET scanning technology, which displays metabolic processes in your body and can identify cancerous from healthy tissues. What is […]

Suspending your policy can be beneficial in instances of financial hardship or an extended trip overseas; provided your health fund allows it, this period does not count towards your maximum of 1,094 absence days. Active and retired federal workers paying both an FEHB premium and commercial Medicare Advantage premium can save significant money by opting […]

Uber and Lyft both offer commercial insurance policies to their drivers that vary by state. In New York for instance, coverage depends on whether or not their personal vehicle possesses comprehensive and collision coverage. Rideshare insurance can be added onto a personal auto policy as an endorsement rather than as a standalone commercial policy, providing […]

Many tenants assume their landlord’s building insurance covers their belongings, eliminating the need for extra coverage on personal items. But in truth, their landlord’s policy only protects against structures; not belongings. An essential renters policy typically covers personal property, liability for specific incidents and additional living expenses incurred due to fire. Property Damage Renters often […]

GAP insurance (Guaranteed Auto Protection or GAP for short) covers the difference between what you still owe on your loan or lease agreement and the actual worth of your vehicle after an accident or total loss, providing financial relief that usually covers many expenses. Gap coverage may be required by loan or lease agreements, and […]