Autumn is here, and that means it’s time for pumpkins, apple cider, and the ACA annual open enrollment period. If you need to change your ACA health coverage — sometimes called “Obamacare” — this is the time to do it. You may add or remove dependents, change details, like your income or marriage status, buy […]
Homeowners and landlords use their property differently, so they face different risks. That’s why several distinctions exist between homeowner’s insurance and landlord insurance. For insurance purposes: A homeowner lives in a primary residence full-time. They own the home completely or make a mortgage payment. Usually, they keep most of their belongings at this home, too. […]
A new school year is upon us. And it’s time for parents and students to discuss affordable car insurance for college students. Whether you need to know about the cost of car insurance for college students, the discounts available for some, or the best types of car insurance for college students, the experienced team at […]
You buy homeowner’s insurance to protect yourself from expensive losses. And as a savvy consumer, you know that too many claims on your home insurance policy can lead to increased premiums, difficulty finding affordable insurance, and even non-renewals. No one wants to struggle to find affordable homeowner insurance. That’s why it’s vital to learn about […]
Absolutely, yes. Climate change will affect your homeowner insurance over the upcoming years in a myriad of ways. Whether these changes manifest as increasing premiums, reduced coverages, new exclusions, non-renewals, or a combination of all these points, property owners in the US can expect to see significant changes to their home policies. In this article, […]
Homeowner’s insurance endorsements are extra coverages you can buy to protect yourself, financially. Not every consumer needs endorsements. But some do, and it’s our goal at Einsurance.com to make sure everyone gets the right insurance for their situation. So, if you’re curious about homeowner’s insurance endorsements, or if you’re wondering about prices, keep reading. We’ll […]
For many Americans, life insurance is a staple in their financial plans. Still, life situations change, and economic changes happen around us all the time. Suddenly, you find yourself asking, “How do I cancel a life insurance policy?” If you’re ready to cancel your life insurance policy, or if you’re wondering if this is the […]
Home insurance and home warranties are not the same. Each provides different protections, and some homeowners feel more comfortable if they have both types of policies. This article aims to explain the differences between homeowner’s insurance policies and home warranties. Written by our team of licensed insurance agents, this piece provides consumers with unbiased, honest, […]
Usually, yes. Homeowners insurance will often cover hail damage. There are instances when your insurer may refuse to cover hail damage. For instance, if hail is excluded on your policy, or if your home insurance policy was recently cancelled for non-payment, you will likely pay for these repairs out of pocket. At Einsurance.com, we provide […]
Legislation surrounding civil unions, same-sex marriages, domestic partnership, and health insurance change often. Laws vary from state to state and can be altered at any time. At Einsurance.com, we aim to provide readers with accurate, up-to-date information written by licensed individuals. However, it’s critical to pay attention to changes in your specific state. The information […]
The best car insurance for seniors will vary from state-to-state and from one individual driver to the next.That’s because we all have unique needs, vehicles and driving histories. Whether you’re looking for the cheapest car insurance for senior citizens or wondering if your car insurance prices will go down when you retire, the experienced team […]
As of November 2023, the average cost of life insurance is $23 per month for a 10-year contract that supplies a death benefit of $250,000, per MoneyGeek.com. That price is for a young, healthy adult male who doesn’t use tobacco or work in a dangerous setting every day. But there are so many details at […]
Life insurance can serve several roles in your financial plans. For most people, it’s a reliable way to create an instant estate for their loved ones, should disaster strike. Depending on the type of policy you buy, life insurance can help you save for retirement, build savings and access to cash in emergencies, and protect […]
Generally, yes. Your homeowners insurance policy (HOP) will cover many of your child’s belongings while they’re away at college, as long as they’re living on campus. It will not cover them in off-campus student housing or other apartments. However, the coverages supplied by a traditional HOP may be quite limited. For instance, coverage on expensive […]
No usually, no. Car insurance does not cover battery replacement for a dead battery. However, insurance might help pay for batteries damaged in accidents, or stolen batteries, depending on your policy and the situation. Whether you drive an old truck, a sports car, a hybrid or an electric vehicle (EV), in the realms of auto […]
Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s important to understand the effects it can have on the kinds of insurance coverage you need. When you live in an […]
You’re wondering if car insurance covers flood damage to your vehicle. And, like most questions related to auto insurance, the answer is somewhat complicated. It depends on the type of policy you buy. Today, our team of licensed insurance agents is here to explain when flood damage and water damage are covered by an auto […]
When even big hitters like Experian are hacked, it makes the news. If a small business suffers a cyber attack we don’t necessarily hear about it, but it happens. Stolen data can cost a company a lot of money, no matter their size. A small business, however, is more vulnerable and runs the risk of […]
