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An accident can leave serious injuries that require costly medical treatment and aren’t covered by health insurance, necessitating you to spend extra money unplanned for. When an accident strikes, an accident policy might be worth exploring as a means of protection. But just what will it cost and how does it work? Continue reading below […]

No matter if you’re an amateur photographer or professional, equipment can be expensive – protecting it with an insurance policy can provide peace of mind. Accidents happen, such as when you trip on your tethering cable while shooting at a wedding and damage all your equipment. A camera equipment protection plan typically offers both general […]

Before the Affordable Care Act (ACA), most young adults were typically dropped from their parents’ health insurance plans shortly after turning 26 – something which presented real issues for those relying on accessing coverage. Federal and some state laws permit dependents of parents who provide health coverage until age 26 (or for disabilities that prevent […]

Elevation Certificates (ECs) can help your client take steps that reduce flood risk while complying with local floodplain management ordinances, while potentially leading to lower insurance rates and premiums. Before hiring an engineer or surveyor to perform a flood elevation certificate, check with your local floodplain manager first. Your community may already have an EC […]

Homeowners in high-risk areas should purchase flood insurance as an essential step towards becoming homeowners, with lenders often mandating that these individuals obtain coverage through the National Flood Insurance Program (NFIP) before being approved for federally regulated loans. NerdWallet walks you through both types of policies offered by NFIP: building and contents coverage. Our guide […]

If you are considering purchasing whole life insurance, it’s essential that you understand how dividends work. Dividends represent a portion of a company’s profits that is paid back out as dividends to policyholders. Life insurance dividends, unlike cash value earnings, typically don’t incur taxes and you may choose between applying it toward premium reduction or […]

USAA provides insurance and financial services tailored to military members, veterans, and their families. Their products include long-term disability coverage, life insurance policies and banking services – as well as exceptional customer service. Home insurance premiums depend on factors like location and home size. Life insurance costs depend on age and health status – some […]

Business insurance provides essential protection for any company against costly damages or lawsuits, providing peace of mind for both employees and owners alike. While most small businesses only require general liability and business owner’s policies, others may need specific coverage depending on their structure or industry. Some examples include product liability coverage that protects against […]

Many tenants assume their landlord’s building insurance covers their belongings, eliminating the need for extra coverage on personal items. But in truth, their landlord’s policy only protects against structures; not belongings. An essential renters policy typically covers personal property, liability for specific incidents and additional living expenses incurred due to fire. Property Damage Renters often […]

An HSA (health savings account) allows you to save tax-free money and use it to reimburse yourself for qualified medical expenses. See IRS Publication 502 for details of eligible expenses. Combining an HSA with a high-deductible health plan (HDHP) offers three distinct advantages, such as tax savings, medical reimbursements and providing a financial foundation to […]