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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 […]

When an accident happens, it’s essential that it be reported immediately in order to prevent miscommunication between parties involved and allow your insurance provider to assess damages accurately, so you receive all the compensation due. The specific deadline depends on your state and insurer, but most car insurers require policyholders to report accidents “promptly”. Please […]

Life insurance payouts generally aren’t considered taxable income; however, there may be exceptions. If you sell your whole life insurance policy for cash and its settlement exceeds the cumulative total of all premium payments, a portion of any profit may be subject to taxes. Premiums As with any type of insurance policy, life insurance premiums […]

Travel trailers are an enormous investment and require comprehensive insurance protection. While some may treat their travel trailer like any other automobile, a more comprehensive RV policy must take into account its contents and features. USAA, founded in 1922 by 25 Army officers who came together to insure one another, boasts excellent customer satisfaction ratings […]

Customers Bank offers high-yield savings accounts and CDs with attractive interest rates, as well as high-interest checking accounts with low fees, offering cash back rewards on everyday purchases with their Visa debit card. Customers Bank offers FDIC insured deposits; however, their mobile app has received poor reviews and most accounts require visiting a branch to […]

Whole life insurance policies provide long-term protection. Your premium contributes toward building up cash value – similar to a savings account which accumulates interest over time. Some whole life products with shorter guaranteed payment periods produce a higher basic cash value than 10 pay policies, yet using policy blending and paid-up additions we can create […]

USAA provides competitive car insurance rates and provides other financial services at extremely competitive prices, and boasts impressive customer satisfaction and strength ratings compared to many competitors. Joining USAA depends on several criteria, but qualifying is easy if you have military ties or family members who are currently members. Membership can even pass down through […]

USAA Earthquake Insurance covers more than just loss of use and personal property damage: It also offers protection for: Earthquake insurance rates differ by insurer and typically cost an average of $3.54 per thousand dollars of coverage. USAA members can take advantage of discounts on travel, car rentals, home security systems and moving services; gym […]

Hospitals negotiate with insurance companies to secure fair reimbursement rates, with the results having an immediate effect on how easily you are able to access healthcare in Dayton. Hospitals now enjoy more negotiating power than ever thanks to a new federal rule requiring them to disclose prices for 70 common routine services. Cost-effectiveness Hospitals now […]