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1) What's an endorsement?
Author:
David Mayer
Category:
Insurance
When you start out on your quest to find an affordable homeowners insurance policy, remember that The Lord of the Rings ran to three volumes. You have not found what you're looking for when your online quotes come rolling in. Nor have you arrived at your destination when you read through the policies. The final part of the journey is always dealing with the endorsements.
An endorsement is cover added to your policy. You pay more but get extra protection.
Be warned. You're the only one wi...
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2) Deductibles explained
Author:
David Mayer
Category:
Insurance
Insurance is a contract between you and the insurance company. Like all contracts, it's give and take. That's what makes a good bargain. In this case, we're talking about an auto insurance policy. So, in return for the premium, you're asking the insurer to pay whatever costs arise from the traffic accidents you get into. It's like a bet. The insurer works out what the odds are given the car you drive and your track record -- it's called risk assessment -- and sets the premium accordingly.
Bu...
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3) Prepare and be carefree
Author:
Paul McIndoe
Category:
Insurance
There are few better feelings than escaping the worries and frustrations of modern living by going on holiday - if only for a few days - to some island paradise where the normal rules just don't apply. For many of us, true freedom to enjoy a well earned break can only be achieved when all loose ends back home have been tied up - preferably, prior to departure.
The departure lounge experience can be a return to fond memories of childhood excitement about an imminent holiday, as l...
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4) Sell the hummer, buy a hybrid?
Author:
David Mayer
Category:
Insurance
With the price of gas rising, more people driving hummers are finding visits to fill the tank an expensive business. It's tempting to think of trading in the guzzler and buying a hybrid. A Toyota Prius, for example, will give you not less than 45 miles per gallon -- drive it carefully and you'll do a lot better.
Better still some of the hybrids qualify for a federal tax incentive. The government may talk big about drilling for oil but encouraging people to buy fuel-efficient cars is a good f...
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5) Homeowners -- just what are you buying?
Author:
David Mayer
Category:
Insurance
The idea is so simple. You pay a premium and the insurance company protects you. Yeh, right! When you go out shopping, you read the labels before you buy, don't you. Well, the same should be your habit when you're buying a homeowners insurance policy. Never just use a site like this to get online quotes and then buy a policy because it's low cost or affordable. You should read it before you buy.
So what are you looking for? Well, let's get technical. The insurance company protects you agains...
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6) Professional Liability Insurance vs. General Liability Insurance
Author:
James Cochran
Category:
Insurance
Intrinsically, insurance is based on the principles of protecting a person or business from particular risks. This can include anything from natural disasters to theft to property damage.
Yet, when it comes to business, the kinds of risk can be far more significant, as well as far more costly. Not only are you responsible for what happens to your own property and employees, but you're also responsible to the people with whom your business comes in contact. General liability insurance cover...
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7) A few tips about permanent life insurance
Author:
David Mayer
Category:
Insurance
One way of looking at the choice between term and permanent life insurance is as a lease and a purchase. When you take out a term policy, you lease the right to death benefits during the term. When the contract ends, you have no further interest. But when you buy a permanent policy, it stays in force during your lifetime and accumulates a cash value from a tax-deferred savings component. So a permanent policy is term insurance plus an investment account and many buy this kind of policy because...
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8) Emergencies? What emergencies?
Author:
David Mayer
Category:
Insurance
Well, the good news is that you do have a health insurance plan. So many people today are finding it too difficult to keep their insurance in place. The bad news is that it may still be difficult to get treatment. Huh? Well, accidents and sickness don't always strike at the most convenient times. Because there's a shortage of physicians prepared to work in general practice, it's often difficult to get a same or next day appointment. Worse, getting access to your physician at night or over the w...
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9) The Insurance Claim Game
Author:
Mark Decherd
Category:
Insurance
If you've never had to file an insurance claim, consider yourself lucky - in more ways than one. While it's terrific that you haven't suffered a loss significant enough to file a claim, you're also lucky not to have had to suffer through the insurance claim game.How do you play the insurance claim game? Let's just say that there's more involved than tossing the dice, crossing Go and collecting $200. While the object of most games is to win, this game starts with a loss. It doesn't mat...
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10) Choose a Prudent Insurance Policy
Author:
Addi Vardhaman
Category:
Insurance
Other than Life Insurance Corporation, the public sector life insurer, there are more than 17 other private sector life insurers, and majority of them are joint ventures and mergers between Indian groups and global insurance giants. The only Life Insurer in Public Sector is Life Insurance Corporation in India. Some of the life insurance in the private sector are Tata AIG Life, HDFC Standard Life, Birla Sun life, SBI Life Insurance, Kotak Mahindra Old Mutual Life Insurance, Aviva Life Insuran...
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11) 5 Case Studies in Liability Disasters
Author:
James Cochran
Category:
Insurance
It's simply human nature to think that no harm will ever come, or hit close to home. Unfortunately, things go wrong from time to time. Because the unexpected is possible at any given moment, it's vital to have insurance, business insurance, liability insurance, and professional liability insurance for the best prevention possible. As the old saying goes, "Hope for the best, but prepare for the worst."
It pays to have property, auto, and life insurance for personal protection. On the busine...
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12) Why Horse Riders Need Insurance
Author:
Nicholas Hunt
Category:
Insurance
There are several types of Equestrian insurance. There are insurance coverages for you and your own personal horse, and insurance that covers riders when engaging in equestrian activities on other people's horses. All of these provide a vital coverage.We love horses and like to believe they love us. Even the gentlest horse can be spooked, or be involved in an accident while being ridden. In these circumstances it is best to have coverage that will provide medical insurance for yoursel...
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13) Affordable Car Insurance with High Risk Coverage
Author:
Hugh McInnes
Category:
Insurance
Although each car is different from the other there is one aspect which is common to all - the need for car insurance. Irrespective of its make, model and price, every car owner needs to get their car insured to protect it from the various perils that it is exposed to in its day-to-day usage. However, it is important to look at the different benefits and risk coverage offered by the insurance company before getting the car insured. Usually, the insurance provider that offers a whole lot of bene...
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14) Plastic Surgery Insurance - Is Your Procedure Covered?
Author:
Clare Eisenman
Category:
Insurance
Plastic surgery can be covered by your medical insurance plan. Most major medical plans will cover reconstructive plastic surgery. What this means, is that if you require surgery to correct an abnormality in your body that is congenital (inherited) or developmental or if the abnormality is a result of disease, trauma, tumors, or infection, then the surgery is reconstructive. That is the American Medical Association's (AMA) definition.According to this same organization cosmetic surger...
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15) 4 Tips to Help You Claim Insurance Benefits
Author:
Diana Joseph
Category:
Insurance
Chris was involved in an accident and couldn't go to work for a few weeks. He wasn't worried since he had accident insurance which entitled him to claim insurance benefits for that period. However, when Chris' claim was processed, the claim amount he received was much lower than what he asked for.Why did this happen? In Chris' case, he made a few mistakes while filing his claim. You can prevent the same thing from happening to you by following these simple tips while claiming insuranc...
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16) Pedal power rules: just make sure you're insured
Author:
Paul McIndoe
Category:
Insurance
With the rise in environmental awareness and the need to maintain a healthy body, owning a bicycle has never been more popular. Indeed, according to the latest statistics, there are now over 23 million cycles in the UK, with around 60 per cent of those being used for commuting or professional purposes.
And, with the generally high costs of operating a car, coupled with spiralling fuel costs that are increasingly threatening to empty people's purses, cycling provides a cost-effective method...
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17) Why Buy Mortgage Payment Protection? Is it Really Worth It?
Author:
Jason Davidson
Category:
Insurance
When you sign up for a new mortgage, you may be a little anxious and fearful while you try to figure out how you'll be able to pay for the monthly fees with your current job much less if you unexpectedly lose your job. Well, you don't have to worry so much, as you can opt for a mortgage unemployment insurance policy.You will find that there are a few companies that offer insurance policies that will pay all or part of your monthly mortgage payment if your unexpectedly lose your job du...
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18) Marriage For Insurance
Author:
Susan Duey
Category:
Insurance
If you're thinking the idea of marriage insurance is new, then think again. Its roots go back to the very beginnings of insurance in England. As early as 1664, insurance policies were being written on births, marriages, christenings, and more. Marriage itself is a forward-looking and joyous event. It is a time when your outlook seems bright, and dreams are coming to fruition. Throughout history, marriage has been the cornerstone of what we know as civilized society; or perhaps religious soci...
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19) Digital Insurance
Author:
David Collins
Category:
Insurance
With the advent of downloadable content on the internet and the rise of social networking websites, our buying habits have gone through a change when it comes to purchasing music.With a wide range of mp3 players on the market and a variety of methods for selecting and downloading music, the choice for consumers is endless.As we move away from the world of CDs and film reels into an age where music and photographs are stored and shared digitally, so the value of the data we keep...
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20) Weird Things People Insure
Author:
Susan Duey
Category:
Insurance
If you thought about what types of insurance you have, you could probably only think of a few. If you're lucky, you have health insurance, life insurance, homeowner's, car, and maybe one or two other insured things. Most people don't know it, but you can get insurance on some pretty off-the-wall things. Take it from multiple celebrities; they're insuring body parts. In this market, insurance companies often offer policies that pay if something damages the appearance of functionality of a bod...
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