Category Archives: Finance Guide

“Your vehicle is a total loss.” These words are often used to cause immediate controversy between the insured and their insurer. In total loss, the main reason for contention between an insured and their insurance company is that most people believe their vehicle is more valuable than it is. Although historically a poor investment, a vehicle is […]

Gastric bypass surgery is a major medical procedure, and it’s one that can offer life-changing benefits to those who opt for it. Those benefits can be physical, mental, and emotional; however, they often come with a hefty price tag. Given the costs associated with gastric bypass surgery, many people are left wondering if their insurance […]

Mortgage insurance is an expense many homeowners must shoulder, with payments included as part of your monthly mortgage payment and required for most conventional loans with down payments of less than 20%. PMI does not serve your interests; rather, it protects the lender. But you may still find a loan without PMI requirements. What is […]

Your car was just stolen. You had important personal items. Is my auto insurance going to cover my personal items? The simple answer is that auto insurance does not typically cover personal property. This would be true for almost all insurance companies. Auto insurance is not meant to protect personal property, but damage to the vehicle. Your […]

There are various factors that contribute to the cost of property insurance, with replacement costs playing the most crucial role. Therefore, creating a home inventory can be invaluable. Location can also have an effect on rates; living in an area where theft or weather damage rates are higher may mean higher premiums. Homeowners Insurance Homeowner’s […]

Flooding is one of the most common and expensive types of property damage. If you live in an area that’s at risk for flooding, it’s important to have the right kind of flood insurance coverage. But how do you know what kind of coverage you need? The answer is in Flood Insurance Rate Maps (FIRMs). […]

It is wise to have both familiar and less-frequently owned insurance types. An insurance plan that is well-thought out can help prevent the unravelling of years of planning. If you don’t pay attention to this critical aspect of prudent planning, years of savings could be lost in a matter of seconds. We are not all able to […]

Driving without car insurance in most states is illegal and breaking this rule can result in expensive fines or the suspension or cancellation of your license or registration. Furthermore, you’ll be held accountable for any property damage and medical costs caused by accidents caused by you or your vehicle. At times, individuals need to temporarily […]

Are you looking to insure a car in Florida that is registered to someone else? It may seem like a tricky prospect, but it can be done. In this blog post, we will take a look at the ins and outs of insuring a vehicle that you do not own in the Sunshine State. We […]

In most countries, employees receive health insurance based on salary rather than hours worked; however, in the U.S. there are numerous laws which determine what constitutes full time employment status for benefits purposes. Under the Affordable Care Act (ACA), employers with 50 or more full-time equivalent employees (FTE) must provide health insurance or pay a […]