Category Archives: Finance Guide

A house purchase is a major investment. It is essential to have homeowners insurance in order to protect your home. Your home and belongings are covered by basic insurance policies. You would need to pay out-of-pocket costs to repair or rebuild your house if you don’t have homeowners insurance. Not all homeowners insurance policies are created equal. Laura Adams, personal finance […]

Are you moving across state lines soon but worried about your car insurance? Are you wondering if it’s possible to keep your current out-of-state policy or if you need to switch to a new one in your new location? Well, the good news is that it is possible to have out-of-state car insurance and still […]

The Insurance Information Institute reports that 90% of all natural disasters in America involve flooding. 20% of flood claims are filed annually by homeowners who live near areas with low or moderate flood risk. Renters can protect their personal items with a renters policy. Homeowners can protect their dwelling and contents with a homeowners insurance policy. These policies […]

“Picture this: you’re out on the open waters, wind in your hair and sun on your face. Suddenly, disaster strikes and your beloved boat is damaged or destroyed. You may be wondering – does my homeowners insurance cover me in this situation? The answer isn’t as clear cut as you might think. In this post, […]

New York has one the lowest rates of uninsured motorists in the country. There is less risk of an uninsured driver causing an accident in New York than other states, with a 4.1% rate. Uninsured drivers can face severe penalties and possible jail time. Although car insurance in New York may not be cheap, it’s worth it if […]

All drivers need car insurance, even those who have learner’s permits. Although insurance companies will often allow parents to add teens drivers to their existing policies, this is not a requirement. Some car insurers will also cover a learner driver if coverage is impossible through the parent’s policy. The process can be more complicated than getting insurance […]

Most small business owners are aware of the importance of insurance. It was a natural conclusion that pet care professionals would recognize the importance of having insurance to protect themselves and their clients in the event of an unfortunate incident. The insurance industry is now offering policies for pet sitters and dog walkers all over the globe. […]

Picture this: you’ve been planning your dream cruise for months, selecting the perfect itinerary, booking excursions and making dinner reservations. Everything seems to be falling into place until a sudden family emergency arises. Your heart sinks as you realize that you may have to cancel your trip. But wait! Is it possible to buy cruise […]

Under New York state law, businesses are legally mandated to carry workers’ compensation insurance and can buy it through private providers, the state insurance fund or self-insuring. Small business owners can save money by accurately classifying their employees. Misclassification may lead to costly workers’ comp premiums; New York employers can quickly verify coverage using our […]

Under Obamacare (aka Affordable Care Act), dependent children can remain covered under their parent’s health insurance until age 26.1. After turning 18, they can select their own plan during an exclusive enrollment period. This article will outline various options available to young adults for obtaining health insurance coverage of their own. Employer Plans Most individuals […]