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Virtually every state mandates motorists have bodily injury liability coverage – typically represented on policies by three numbers like 25/50/20 – but you may want to consider adding uninsured/underinsured motorist coverage as well. Collision coverage, which pays to repair or replace a vehicle involved in an accident, is not mandated by any state. However, your […]

Homeowner insurance may not qualify as one of the expenses you can write off when filing your taxes, but in certain circumstances it could qualify. Speak to a tax professional for more details. Before selecting a homeowners insurance deductible, carefully consider its impact on premium costs and out-of-pocket expenses when making claims. A higher deductible […]

Travel trailers are non-motorized vehicles, meaning most states do not require their owners to purchase insurance for them; however, your car or truck’s liability coverage may extend over to it in certain instances. Most policies also provide roadside assistance services like jumpstarting, fuel delivery and tire changes; some even cover personal items in case of […]

Aircraft insurance costs can be expensive, depending on its value, age and usage. Policies usually provide liability protection as well as physical damage coverage (hull coverage). Liability insurance typically includes third-party property damage, passenger liability and final expenses in the event of a fatal accident. Training and experience of pilots are also taken into consideration. […]

Most experts advise that each resident in a shared house should carry his/her own renters policy to protect personal property and provide recourse in case it is lost or destroyed. Averagely, roommates should invest in at least one policy together each year at around $12 monthly premiums for added peace of mind. This makes insurance […]

Losing track of your keys can quickly turn into having a stolen car, so it is wise to understand all your coverage options well in advance of such an incident occurring. Comprehensive, specified perils and all-perils car policies typically cover theft of a vehicle’s contents including key fob. Furthermore, personal property coverage on homeowners or […]

USAA (United Services Automobile Association) is a financial services company offering insurance, banking and investment products tailored to military members and their families. Products offered include auto and home insurance policies as well as bank accounts, credit cards and mortgages – while investments include mutual funds and 529 college savings plans. Only active duty military […]

Private insurers offer a Medicare Advantage Plan, which is an alternative to traditional Medicare. These are the drawbacks and benefits. Medicare Advantage is an all in one alternative to Original Medicare. Private insurers offering Medicare Advantage Plans contract to the federal government to provide Medicare-qualified individuals with health insurance benefits. Medicare Advantage: The pros and cons Medicare […]

You might wonder if there is anything cheaper these days than Insurance. Individuals can choose to insure their loved ones with insurance. This covers them for the cost of any unfavorable event that may occur, even if it happens within one day. A family’s compensation for their loss does not have to be expensive, especially when […]

Your house could be your most valuable asset. A comprehensive homeowners insurance policy is necessary to protect your home. You can also protect your savings and investments by purchasing homeowners insurance. Although local and state governments do not require you to carry homeowners insurance, mortgage lenders usually do. Most lenders will specify how much insurance homeowners must have, usually over […]