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What is Critical Care Insurance? Do You Need It?
Critical care insurance (also known as critical illness insurance or catastrophic coverage) is a supplementary type of health insurance plan. It’s designed to help you financially in the event of a...
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Hospital Indemnity Insurance: What Is It and How Does It Work?
When looking at different options for supplemental health insurance, it’s possible you’ve seen the phrase “hospital indemnity insurance.” However, you might not know what it means. In short, hospital...
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AD&D Insurance: Everything You Need to Know
This is a conversation with no easy starting point. If you didn’t already know, AD&D insurance is a bit morbid. It stands for “accidental death and dismemberment,” something we hope never happens...
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Medicare Plan G: Everything You Need to Know
Medicare Plan G is a highly regulated supplemental insurance plan for those already enrolled in Medicare Parts A and B. Purchased through private insurance companies, Plan G is an alternative to fill...
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Short Term Disability Insurance: How Do You Qualify?
Short term disability insurance is a special kind of coverage. As the name implies, it’s meant to replace lost wages during a short period where you are unable to work due to a temporary disabling...
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What Is Final Expense Insurance and Do You Need It?
We recently went through the trauma of losing my dad. We were fortunate that our finances were solid enough to not have to worry about funeral costs. In fact, my sister wanted to spend even more money....
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Personal Liability Insurance Explained: Do You Need It?
We’ve probably all heard this story, one way or another. It remains one of the funniest things I’ve ever read about. It’s the story of the burglar who broke into a home and then tried to sue the home’s...
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What is Hazard Insurance and Do You Need It?
When I tried to refinance my house last year, one of the first things the new lender wanted to see was a hazard insurance policy on my house. I was honestly surprised when they made that request. I...
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What is Laptop Insurance (And Do You Need It)?
Laptop insurance is, as the name implies, simply extra insurance coverage for a laptop computer. You’ll pay a monthly (or annual) premium to have your laptop insured against theft, loss, or damage. If...
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What is HO6 Insurance and How Does it Work?
Do you ever wonder why insurance companies invent so many different names for essentially the same thing? Take H06 insurance, for example. It’s sometimes called walls-in coverage. Others just simply...
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What’s An Insurance Binder? Everything You Need to Know
In the world of insurance, things can get complicated. There are so many different types of polices and lots of terminology to know about. One common term you’ll likely come across is “insurance...
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Driving Without Insurance: Everything You Need To Know
I was always told that having car insurance is required by the law. However, I recently found out that not strictly true. Not entirely. Stay with me for a second. Yes, every state requires drivers to...
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Whole vs. Term Life Insurance: How To Choose
When looking at the financial needs you may have throughout your life, the subject of supporting your loved ones should the worst happen will likely come up. It’s a grim topic—and it’s natural to want...
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What is SIPC Insurance? Everything You Need To Know
It’s been years since anybody’s worried about a financial brokerage firm going under. However, that doesn’t mean consumer protection isn’t important. After all, you never know when the next crisis will...
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How to Get Health Insurance If You’re Self Employed
One of the biggest challenges faced by those who are self-employed is finding affordable health insurance. For some, not having that benefit from work can be a real budget killer. You know that health...
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Medicare Advantage Plans: Are They Good or Bad?
A Medicare Advantage Plan, also called “Part C” or an “MA Plan,” combines hospital insurance, medical insurance, and prescription drug coverage into one single plan. Essentially, a Medicare Advantage...
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Health Insurance for the Self-Employed: Best Options
One of the scariest things about self-employment is trying to figure out what you will do for healthcare. Not having healthcare can result in incurring steep costs after a medical emergency. For a lot...
View ArticleIs Gap Insurance Worth It? Everything You Need to Know
It seems like there is insurance for anything and everything these days. You can (and should) obviously insure your vehicle and home (or rental). You can buy AppleCare for your new iPhone. And yes, you...
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Vicarious Liability: What Is It and How Does it Work?
“The court finds you vicariously liable!” That’s the dreaded statement no one ever wants to hear. For anyone who doesn’t know what it is, vicarious liability can seem like a legal jargon that’s best to...
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Adding a Teen Driver to Your Insurance (Without Breaking the Bank)
Teenagers learning to drive is a rite of passage. It’s one that parents dread, but their teens can’t wait for. I remember how I couldn’t even fall asleep the night before when my parents told me I...
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What is Supplemental Life Insurance and Do You Need It?
One of the benefits I never had while working a 9-to-5 was a group life insurance policy offered by my employer. That’s mostly due to never really working for large corporation where they are common....
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Is Homeowner’s Insurance Tax Deductible?
Whenever tax time rolls around, a lot of people start asking “is homeowner’s insurance tax deductible?” The simple answer is no. In most cases, homeowner’s insurance is not tax deductible and is...
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Contractor Liability Insurance: Everything You Need to Know
Contractor liability insurance protects general contractors against lawsuits that may arise when they are working on a construction job. It can cover anything from a smaller home repair to a larger...
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How To Get Affordable Life Insurance Without A Medical Exam
For most people, life insurance is an important financial backup. After all, everyone wants to ensure that their family will be financially taken care of if they are suddenly gone. Unfortunately, most...
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HO3 Insurance Policy: What Is it and What Does it Cover?
Owning a home can be an overwhelming process. On top of the mortgage payments, there are a ton of other oft forgotten costs. One of these extra expenses is homeowner’s insurance. Trying to navigate the...
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What is Commercial Insurance? Do You Need It?
Commercial insurance is a generally broad term. It’s used to describe various types of insurance that provide protection from risks associated with operating a business. Commercial insurance has a few...
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POS Health Insurance: Everything to Know
Choosing the appropriate health insurance policy can be a confusing and daunting task for most folks. After all, medical bills can quickly cripple anyone who experiences health issues. It’s important...
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Prepaid Insurance: Is It an Asset or Owner’s Liability?
A common financial question we see asked is related to prepaid insurance. Specifically, is prepaid insurance an asset? But maybe that’s getting ahead of ourselves a bit. Let’s start with the basics...
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Variable Life Insurance: Pros and Cons
Recently, my uncle managed to cause quite a reaction in our family chat group. He claimed that he was still making monthly life insurance premium payments. It was a shocker, since he’s well into his...
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Motorcycle Insurance For New Riders: The Best Coverage and Companies
Say what you will about the risks, there are some benefits to riding a motorcycle. Motorbikes get better gas mileage. They are smaller, which means they are easier to park. Repairs, licensing, and...
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Long Term Care Insurance: Pros and Cons Breakdown
Before my aunt passed away, she was in need of constant care for her last couple of months. My uncle decided to put her in a nursing home, where all of her needs would be met by medical professional....
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What Is Legal Insurance? Everything You Need to Know
Legal insurance (or sometimes called legal expense insurance) is exactly what it sounds like. It’s insurance that helps cover your costs in the event you are hit with various types of legal expenses....
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Drone Insurance: How Much Is It and Is It Worth It?
Drone insurance is definitely a bit of a niche product. It’s exactly what it sounds like — insurance for a drone. You’ve probably noticed more of them around these days, as they are growing in...
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Insurance For College Students: What Does Your Child Need?
The era of online and remote learning seems to be coming to an end. Soon we’ll be back to that familiar end of summer scene. You know, the one where a family packs up the car with dorm necessities and...
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Temporary Car Insurance: What Are Your Best Options?
Temporary car insurance isn’t that common, but it can come in handy. It’s primarily for vehicles that are only driven for a short period of time. Popular uses for temporary car insurance are when...
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How Does Insurance Work: A Complete Guide
You’d have to be literally living under a rock to have never heard of insurance. It’s everywhere — home insurance, car insurance, life insurance, health insurance. You can’t really exist in modern...
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Mechanical Breakdown Insurance: Everything You Need to Know
For most of us, a broken-down car is never a good thing. You rely on your vehicle to get you where you need to go, right? So why not purchase specific insurance that helps keep your vehicle running...
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Professional Indemnity Insurance: Who Needs It and What Does It Cover?
Professional indemnity insurance is one of many types of business insurance. Most companies should investigate getting it, as a part of establishing their enterprise. Other types of business insurance...
View ArticleThe Best Car Insurance For Millennials
Millennials, also known as Generation Y, are the demographic sandwiched between Generation X and Generation Z. They are typically considered to be propleg born between 1981 to 1996. Most Millennials...
View ArticleHow to Buy Car Insurance: The Best Tips and Tricks
Sometimes you really have to follow your own advice if you want to get ahead. For years, I’ve been telling my readers to continually bug their insurance brokers to price out new policies and not just...
View ArticleFiling For Unemployment Insurance: Everything You Need To Know
Losing a job is never easy. This is especially true if it caught you by surprise or you received little (or no) severance pay from your former employer. Thankfully, unemployment insurance is designed...
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Low Cost Renters Insurance to Protect Your Interests in 2022
Renters insurance is specifically for the contents of your rental unit, but not the building itself. Unlike home insurance, renters insurance premiums are extremely cheap. Some insurance providers...
View ArticleGet the Full Compensation You Deserve – Hire an Attorney
Serious injuries and accidents happen all the time – between 20 and 50 million people are in accidents every year according to ASIRT. When an accident happens, you need an attorney’s help. Without one,...
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Why More Americans Are Getting Renter’s Insurance
Renter’s insurance provides peace of mind and financial protection on both sides of a lease. The number of Americans choosing to buy renter’s insurance is growing by the day, which we think is an...
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How Appliance Insurance Can Save Seniors Money and Hassle
It’s a familiar sight: the washer suddenly breaks down mid-cycle, leaving a pile of sodden clothes and a wash of anxiety. Or, perhaps it is the fridge that decides to retire, putting that big holiday...
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