Category Archives: Finance Guide

When you need to file a claim for roofing damage, it’s important to know who to contact. Should you call an insurance adjuster or a roofing contractor? The answer is not as black and white as you may think. There are pros and cons to both options, and in this blog post, we will take […]

Cortisone injections may provide an efficient and cost-effective solution to large, painful acne cysts that defy all attempts by drugstore zit creams to shrink them down. This in-office treatment option is relatively cheap and often covered by insurance plans. Cortisone shots contain corticosteroid medication to relieve long-term inflammation, as well as an anesthetic agent for […]

State law mandates car insurance in many states; however, some drivers still choose not to purchase it and even if they do have coverage, their limits may not cover all the expenses resulting from an accident. Uninsured and underinsured motorist coverage comes to the rescue here, covering your injury expenses as well as damages to […]

Food loss should generally be covered under homeowners insurance, though your policy may require you to pay a deductible first. Be certain that any claim you file meets this threshold before filing one. Food spoilage may be covered in your standard home insurance policy if a power outage was directly caused by damage to your […]

Homeowners insurance typically covers personal belongings stolen from a garage, depending on the specific policy details and coverage options. Some policies reimburse stolen items based on their actual cash value (ACV), while others may offer replacement costs as compensation. In addition, if your garage isn’t attached to your house, other structures coverage should provide any […]

Your health insurance may cover at least some of your liver transplant costs, whether through private coverage, managed care plans or government medical assistance programs. Furthermore, Medicare Supplement policies offer additional coverage options. Locate a center that performs liver transplants with excellent survival rates. Ask about services they provide such as supporting groups coordination and […]

Mortgaged homeowners living in high-risk flood zones are required by mortgage agreements to carry home insurance policies that provide coverage against flood damage to their belongings, such as their car. Unfortunately, standard HO-3 or HO-5 policies don’t include coverage against this risk. Flood insurance policies offer building and contents coverage for homes, condominiums, apartments and […]

Surgeons, obstetricians and other medical professionals must pay hefty premiums for malpractice insurance policies with annual deductibles attached. Selecting sufficient limits of liability coverage is of critical importance. These should cover sustainable verdict values for non-economic and economic damages. Most medical facilities require that physicians hold specific limits of occurrence coverage in order to be […]

As with bank deposits, credit union savings are federally insured by the National Credit Union Share Insurance Fund (NCUSIF). NCUA coverage typically extends up to $250,000 for single ownership accounts in each category of checking, savings and money market accounts. All federally and most state-chartered credit unions offer this protection free to consumers. FDIC The […]

Personal Liability and property damage are two common terms in insurance. They are often abbreviated as “PLPD”. Although this coverage is standard in many policies, it is often not clear what it covers. This coverage is an important part of vehicle insurance. If you need to file a claim for an accident, understanding PLPD can help you save […]