Earthquakes can strike anywhere and at any time. You could end up paying out of your own pocket if you don’t have earthquake insurance. Standard homeowner’s insurance typically does not cover earthquake losses, with many insurance companies requiring an additional policy endorsement or rider for earthquake damage. California was hit by two earthquakes in 2019, which caused nearly $40 […]

If you own a registered vehicle in Rhode Island, car insurance is legally required. You could be subject to severe penalties, such as heavy fines and restrictions on your driving privileges, if you don’t have auto insurance. Whether you currently live in Rhode Island or are planning a move to the Ocean State, it is important to understand car insurance […]

Summary: Travel insurance provides emergency coverage for travelers who travel from their country to cover a medical emergency abroad. It covers medical evacuations and emergency situations. It is possible that your home health insurance does not cover you overseas, so it is a smart idea to get travel medical coverage. Example Story Imagine the following: Your […]

Driving without car insurance is expensive According to the Insurance Information Institute in 2015, 13% of Americans were uninsured. Driving without insurance is dangerous and expensive. Additional fees are often added to ticket fines. You could end up paying more in fines for one offense than for your entire year of car insurance. You may be cited for driving […]

Many people wonder, can you sell your life insurance policy? You might decide to sell your life insurance policy for a variety of reasons. You might have a better deal or just need the cash. No matter what your motivation, you can sell life insurance policies for cash using a process called a “life settlement”. There are some things you should […]

Although it is difficult and costly to buy life insurance after being diagnosed with cancer, you may be able purchase a policy. You’ll have to evaluate whether the available coverage and cost make financial sense for you. Patients with cancer typically are not eligible for guaranteed-issue policies that offer limited coverage or pay out less in the […]

It is possible to wonder if an auto loan will affect your insurance costs. Yes, it does. But not in the way you think. Having an auto loan usually doesn’t make the insurance company charge you more for the same policy. What a loan does is add additional coverage requirements to your policy — mainly collision and comprehensive — so the […]

It is a good idea to check your insurance coverage before you have shoulder surgery. You should be able to get shoulder surgery covered by insurance, since it is used to treat a medical problem. Your insurance coverage is the most important factor in determining what you will pay. Types of Shoulder Surgery that are covered by insurance […]

Medicare Supplement Insurance (or Medigap) is insurance that covers some costs not covered by Original Medicare. For example, a Medicare Supplement Plan could cover your copayments, coinsurance, or deductibles that you owe under Original Medicare. Medicare Supplement Plans are an additional insurance policy that is not primary. To purchase a Medigap policy, you must have Medicare Part […]

Wildfires will soon be the new norm due to extreme droughts and changing climates. Homeowners should be prepared. According to a Columbia University study, the West U.S. is experiencing a megadrought that is predicted to cause an early wildfire season. According to the National Oceanic and Atmospheric Administration (NOAA), nearly half the country is suffering from […]