What Does Non Standard Mean in Insurance? Non-standard auto insurance is specialty insurance for high-risk drivers. It’s always more expensive than a standard auto insurance policy. Put another way, non-standard auto insurance provides the exact same coverage as a standard auto policy, but since it covers a high-risk driver, it will cost more. Today we’ll […]
Defamation insurance coverage exists to protect businesses from a lawsuit after an incidence of defamation, whether it was intentional or not. Here, we’ll discuss what defamation is — including terms like slander and libel — and how this important insurance coverage protects businesses in instances of misguided advertising or communications. Please note that the information […]
Many Texas homeowners are shopping for new property insurance in the wake of winter storm Uri. Between billions of dollars in storm damage, and skyrocketing materials, labor and fuel prices, Texas consumers are frustrated with their insurance companies and the claims they are receiving. In some cases, homeowners have learned that certain types of storm […]
Workers compensation insurance, also called “workers comp,” is designed to protect employees’ wages if they are injured at work. Often, workers comp insurance also protects an employer from a liability lawsuit after a staffer gets hurt. A worker’s comp settlement occurs when an injured employee is paid the wages they missed while recovering from an […]
The average American will spend almost $100,000 on car insurance during their lifetime. Some of those costs are fixed, meaning there’s very little a consumer can do to change them. Young, inexperienced drivers will usually pay significantly more for auto insurance. Historically unsafe drivers or those with a host of traffic tickets will also pay […]
Car insurance requirements vary from one state to the next. Today, we’ll cover the minimum insurance requirements of each state for a private vehicle to be driven on the road legally. Before we begin, it’s important to note that you might have more complex auto insurance needs that aren’t covered by state minimums, especially if […]
Nothing about divorce is easy. If you’ve relied on your spouse for group health insurance through their employer, you’ll need to find new health insurance after your divorce. You’ll need to move quickly, too. Because the moment your divorce is final, his or her health insurance provider no longer recognizes you as a spouse. If […]
The accident forgiveness endorsement is a relatively new rider available with some auto insurance companies. It’s not available in every state and may not be available for all drivers. You can add this rider to your standard auto policy. Or it might be built into a standard policy depending on your insurer. Either way, it’s […]
What Is A Car Insurance Endorsement? A car insurance endorsement is an additional coverage you can buy to add special perks to your auto insurance policy. Sometimes you’ll hear them called “riders.” Car insurance endorsements usually last for the entire auto policy period and need to be renewed at the same time. If your current […]
The penalties for driving without auto insurance vary from state to state, but they’re all serious. And they’re often expensive. Today we’ll cover the results of getting caught driving without insurance. From the most straightforward issues like getting a ticket, to cascading effects on your future car insurance premiums and car payments, and even jail […]
Private health insurance costs vary. The only way to know what private health insurance will cost you, as an individual, is to get a quote. But before you do that, you might want to learn how insurers plan your rates. Some US plans are more affordable. Others are expensive but provide more extensive coverage for […]
Thinking about dropping your car insurance? Depending on your insurance company and how you pay your premiums, you might be able to get a refund. If you cancel your current policy before it expires, you will likely receive a refund. How to Qualify for a Refund A refund is usually available to you if you […]
Car Insurance for Married Couples It’s not pretty like a wedding gown, or as exciting as a Hawaiian honeymoon. But it can be essential to your marriage financially: car insurance for married couples. Points to Ponder Consider these topics when you are going to buy car insurance for married couples: Joint policy vs. separate policies […]
Everyone makes mistakes. And innocent errors or emergencies may lead to a car insurance cancellation. If your car insurance is cancelled, you need to act quickly to fix the situation. In most states, auto insurance is required to drive a car. Today, we’ll cover some reasons for car insurance cancellation, how cancellations are different from […]
Yes. Homeowner’s insurance will cover many renovations as part of your home. Still, there are a few caveats we should explore. Let’s be sure we’re using the right terms for your home upgrade to be certain we’re answering your question clearly. Before we get any further, know that a homeowner’s insurance policy will only pay […]
HRA Vs HSA: What’s the Difference? If you wish to take better control over the money you spend on health care, consider a couple of health savings options: a health savings agreement (HSA) and a health reimbursement account (HRA). Both are often tied to employer-based benefits. HSAs and HRAs: Employer-sponsored Help offset your medical costs […]
After weeks of searching through listings and going back and forth with agents, you’ve finally settled on a price for your dream home. You are almost at the finish line! The next step is to protect your investment with homeowners insurance. But exactly how much coverage should you get? The cost of homeowners insurance can […]
Liquor Liability Insurance – What Is It? From fine dining restaurants to the corner liquor store, certain businesses need liquor liability insurance, which covers legal fees, settlements, bodily injury medical costs, and property damage caused by an intoxicated patron who was sold alcohol or was served liquor by the policy holder. Businesses that need liquor […]
