Having the right kinds of insurance — including good medical, disability, automobile, homeowner, long-term care, life, and even travel insurance — is key to good financial planning. This page about insurance gives you the lowdown on how to successfully navigate the often perplexing world of insurance coverage.
Insurance Discounts Available for Consumers Who Go Green
The green movement is everywhere. From recycling to reducing our reliance on oil-based energy sources, Americans are doing more and more to help protect the environment, and that’s good news for our planet. It’s also good news for consumers because going green can result in a number of insurance discounts. Green building insurance products are [...]
Does Your College Student Have the Right Insurance Coverage?
Fall is just around the corner, and many parents are preparing to send their college students back to campus for another semester. Before you say goodbye to your son or daughter, consider that now may be the perfect time to do an insurance policy review. Here are six questions to ask yourself that can help [...]
Flood Insurance 101: What’s Covered—and What’s Not
You do not need to live near a body of water to consider purchasing flood insurance. Even homeowners who do not live near oceans, rivers, lakes or streams may be at risk for flood-related damage to their properties and may want to consider a flood insurance policy. According to the National Flood Insurance Program, a [...]
When Do You Need to Review Your Homeowners Insurance Policy?
I recently took a leisurely walk with a friend—who also happens to be a client—to catch up. The visit quickly turned into a lesson on homeowners insurance and the importance of regularly reviewing your insurance policy. My friend told me how excited she was that her daughter was coming home for the summer after finishing [...]
Do You Need Personal Umbrella Insurance Coverage?
An umbrella insurance policy is a worldwide liability policy that covers you and your family members over and above your primary insurance policies, including the policies you hold for your automobiles, home, rental properties, and even boats or campers. Many of my clients believe that only millionaires need this coverage. Unfortunately, this is a gross [...]
Must-Have Insurance for Your Boats, Campers and ATVs
Finally, summer is here. Our long-awaited vacations are just around the corner, and those of us with summer toys like boats, campers, and ATVs have already started checking them over to be sure they are ready to go for the season. But before you head for the hills with your camper or hit the waves [...]
Living in the Red Zone: Wildfires and Your Insurance Policy
Many homeowners move to places like California, Colorado, New Mexico, or Wyoming for the lure of seclusion and the desire to get back to nature. Often, however, these homeowners put more emphasis on ensuring a spectacular view and less on purchasing an insurance policy that could protect them in the event of a fire. People [...]
Four Questions Before Purchasing a Travel Insurance Policy
Before finalizing your travel plans and dishing out the dough for the perfect getaway, you might want to consider a travel insurance policy to protect your prepaid, nonrefundable expenses. While your vacation will hopefully be restful, remember that flights can be delayed, tours can be cancelled, family members can get sick, and luggage can go [...]
Do I Need Identity Theft Insurance?
Dealing with identity theft can be incredibly overwhelming, especially if you don’t know where to turn to resolve credit issues, restore your identity, or recoup your costs. It may take months or even years for you to recover and get your credit records corrected. Identity theft insurance can help with some of those tasks. In [...]
Tips for Handling Claims When Your Neighbor Has No Insurance
In a perfect world, we would all have friendly, responsible, and reasonable neighbors. Unfortunately, this is not the case, and our firm frequently receives calls from our clients about damage their neighbors have done to their properties. Often, those neighbors do not have proper insurance coverage. The complaints we receive cover a wide range of [...]