Category Archives: Finance Guide

If not caught quickly, property damage from rodents, animals, or insects can cause serious injury to your home. Many homeowners wonder if their homeowners insurance policy covers animal damage. Depending on the loss, there may be exceptions that cover animal damage. What does animal damage have to do with your home insurance policies? Homeowners insurance covers you, your […]

We all know how important dental health is, but the cost of a trip to the dentist can be enough to give anyone a cavity! Without insurance, it’s easy to feel overwhelmed and wonder just how much you’ll need to pay out of pocket. We’re here to help put your mind at ease and answer […]

Employers increasingly offer retiree health coverage through health reimbursement arrangements (HRA), which help their employees cover plan-eligible medical expenses during retirement. Employer premium payments are generally exempt from taxes, helping employees keep costs for health insurance at bay after tax payments. But is this exemption permanent? Taxes on Premiums Employer contributions toward retiree health insurance […]

Short-term health insurance provides coverage gaps. This type of policy differs from major medical policies in that they’re less expensive and shorter in duration – though they still need to cover all ten of ACA essential benefits, these typically exclude services like maternity care or behavioral/mental health. Cost Short-term plans offer low upfront costs while […]

Information contained within a policy’s insuring agreement will vary depending on the type of insurance being purchased; for example, homeowner’s policies typically contain named-perils coverage limits premiums and deductibles. Navigating policy exclusions and exceptions may seem intimidating, but this information is vital in understanding exactly what coverage exists within an insurance policy. Definitions The Definitions […]

Uber is a convenient ride hailing service that provides passengers with an alternative to taxis. Uber also maintains auto insurance for its drivers and can cover damages caused to your car in case of an accident. But does your own car policy provide coverage when working for Uber? Keep reading to find out. Liability Coverage […]

Let’s look at the “loss-of-use” exclusion in your car insurance policy. It describes what alternate transport your insurer will provide if your vehicle becomes unusable due to theft or accident. The majority of cases, the answer is negative. A few insurance companies have a team that can repair your vehicle and provide a courtesy vehicle if […]

Classic cars are undoubtedly at the top when it comes to vehicles. Their unique features set them apart from all the rest. As is the case with all things that draw attention, classic cars are prone to being stolen and vandalized. Because classic cars are rare and expensive, large insurance agencies and agents won’t even consider offering […]

It used to be difficult to find affordable auto insurance in Southern California. However, it’s now much easier to find the right insurance quotes without too much effort. Many services are available to help you get multiple rate quotes from different insurance companies. One service can provide multiple rate quotes from different insurance companies. All you need […]

Road accidents and car damage are inevitable due to the number of people who live on busy roads all across America. Drivers become more concerned about their jobs and their homes and lose sight of their vehicles. It is important to have auto insurance. This should be affordable in every state. Insurance can be difficult and expensive in […]