Category Archives: Finance Guide

Tooth extraction can be a costly affair, and if you don’t have insurance, it can be downright expensive. In fact, pulling a tooth without insurance is actually more than twice as expensive as pulling teeth with insurance. That’s why it’s important to investigate your coverage options before getting your teeth pulled—you may be surprised at […]

Homeowners insurance typically covers roof leaks caused by perils covered under their policy, such as windstorm-induced cracking in the ceiling that allows rainwater into your home. However, normal wear and tear may not be covered – check with your agent. Damage caused by a covered peril Homeowners insurance typically covers roof damage caused by covered […]

New Mexico’s insurance laws make it difficult to drive without insurance. New Mexico is the fourth largest state for uninsured motorists with an estimated 21.8% of drivers driving uninsured, based on the latest study from the Insurance Information Institute. According to the Insurance Information Institute, this means that drivers who are involved in an accident with an uninsured […]

For years, chiropractors have been accused of being expensive without insurance. But is that really true? The answer, unfortunately, is yes. In fact, many chiropractors charge rates that are much higher than those offered by most medical providers without insurance. What’s more, chiropractors can be very difficult to get ahold of if you don’t have […]

This may sound like something you might say about your bank or council, but we are referring to a feature that most modern homes have these days, and which is often ignored until it stops working. This is when you realize that you cannot wash your clothes properly. This is a very unpleasant proposition considering most people […]

Many large projects require contractors to carry certain forms of insurance policies as conditions of working together with project owners, making compliance an imperative in order to secure business opportunities. Contractors can obtain these policies through either purchasing individual coverage individually, or bundling multiple policies into an affordable business owners policy. Below are six forms […]

There are various auto policies available to cover the expenses resulting from hit-and-run accidents, including uninsured motorist coverage for property damage (UM PD), personal injury protection or medical payments coverage and collision. Medical payments and PIP coverage may not be available in all states and a deductible may apply; UM/UIM and collision coverage is often […]

According to the New Jersey Department of Transportation‘s latest report, there were 276,861 crashes in the state in a single year. Distracted driving was the leading cause of crashes. If you caused an accident by texting or not paying attention behind your wheel, you could face reckless driving charges. High-risk drivers are those who have had one or more […]

Condo insurance is one of the most important pieces of property insurance you will ever buy. It’s responsible for protecting your investment, as well as the people who live in it. In this blog post, we will teach you how to estimate condo insurance dwelling. What is Condo Insurance Dwelling? Condo insurance dwelling is a […]

Most life insurance policies aren’t tax deductible as the IRS considers them personal expenses; however, there are exceptions; for instance, premiums paid by an employer for group life policies may be deducted; also some permanent policies provide tax advantages like an untaxed death benefit and tax-deferred growth of cash value. Taxes Though many individuals and […]