Health insurance is one of the most sought-after coverages in the U.S. In 2019, more than 90% of Americans had health insurance coverage, as indicated in the 2019 Annual Social and Economic Supplement (ASEC) survey. However, choosing the right policy for your needs can be difficult, and therefore, you should ask questions about health careRead more
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Unlike auto insurance coverage, homeowners insurance is optional in the U.S., and some homeowners treat it as such. More specifically, while 85% of American homeowners have home insurance, most of these policyholders are obliged by their mortgage companies to carry it, as reported by the Insurance Information Institute. Because of their reluctance to purchase aRead more
Opening an online store will allow you to support your family and work from home. You can set your working hours and manage almost every aspect of your business from a device that supports a Wi-Fi connection. An online store must deal with potential risks just like a real business. This is why it isRead more
Contrary to popular belief, it is never too late for life insurance. There are life insurance policies that can be purchased affordably, no matter what your age. To find the right type of policy that meets your needs, you will want to schedule a consultation with a reputable agent. This will give you a solidRead more
Teen drivers learn by watching you. Always set a good example when your teen rides with you. Safe driving habits are easily learned if they observe them in those they ride with. When they finally get behind the wheel on their own, set a few solid rules for them to follow. Monitor their driving habitsRead more
Renters insurance provides you the same basic coverage as a traditional homeowners’ policy without covering the structure of your home. Most renters’ policies include some form of liability coverage as well as coverage for your personal possessions. There are many common questions about renters insurance. Talking to a reputable agent is the best way toRead more
Workers’ compensation costs for employers are based on payroll, employee job classification, and claims history. Premiums are calculated based on the equation of multiplying payroll per $100 by job classification rate and an experience modifier known as MOD. This algorithm can be confusing to policy holders, leading to the following 5 mistakes behind a costlierRead more
When it’s time to purchase life insurance to protect your family, you should know the basic differences between term life insurance and whole life insurance. Here are a few essential facts you should know to understand the benefits of each plan: Term vs. Life Insurance The main difference between term and whole life insurance isRead more
Some people might believe every car insurance company is standing by to take their money, but this idea is a myth. Insurance companies aim to attract low-risk drivers who are less likely to cause an accident. Here are essential reasons why a car insurance agency may refuse to insure you. Common Reasons for Denial YourRead more
As an investor in residential property, you need to have a clear and complete understanding of your standard homeowners insurance policy. It generally covers disasters, accidents, and theft, but you should talk with your insurance agent to be more certain. Standard coverage is categorically for home structure, personal belongings, liability, and additional living expenses (ALE).Read more