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.
Homeowner’s Insurance Coverage: 4 Items You Must Have
You took the plunge and bought a house to fulfill your own version of the American Dream. Well, the fun has just begun. You’re going to need homeowner’s insurance coverage to protect your investment. The problem with insurance, in most cases, is you have to get it when you don’t need it because when you [...]
Three Insurance Policies Your College-Bound Child Needs
Your kid is off to college. The bags are packed. The GPS is set. And you’ve got a fistful of tissues for the drive back home. Now what? The moment your child moves out of your house, everything will change with regard to your insurance policies and how you can provide the best protection. Here [...]
Seven Ways to Save on Auto Insurance
Economy got you down? You’re not alone. But here’s the good news: you may be able to save some cash on your car insurance. When insurance companies consider your application for auto insurance or a request to lower your premiums, they look at a variety of factors, including your driving record, your credit score, and [...]
About Linda Rey
Insurance. It’s pretty much all I’ve known since 1985, when my dad traded dollars for the time I spent assisting him at his seven-year-old insurance business. He paid my college tuition, and I helped out in the office, using carbon copy forms printed via typewriter and sending correspondence via certified mail to guarantee effective dates [...]
Universal Life Versus Term Life Insurance
If you're thinking about buying life insurance, there are several policies to consider including a universal life insurance policy or cash value policy and term life insurance. With a universal life insurance policy, you pay over time and part of the premium goes into a savings plan with little value unless you stick with it for the long run. With term life insurance, you pay a smaller yearly premium for a certain length of time. Because term life insurance costs less, it offers more of an opportunity to save on your own.
Buying Homeowners Insurance For Vacant House
A sibling asks about having a brother move into his widowed mother's now vacant home to facilitate buying homeowners insurance. The family plans for the brother to buy the home but he can't afford it until he receives his share of the estate. It's a good idea to have the brother move into the home to help buy homeowners insurance, but it might not be necessary to sell him the home right away.
What’s Included In A Title Search?
Title insurance protects you and your property. A title insurance company runs a title search before issuing a policy. A title search means looking at public records relating to your property and tracing the chain of ownership. What documents are included in a title search?
Easements Are Common In Subdivision Properties
When you buy a property in a subdivision, your property likely has easements around it. In some cases these easements are for utilities. An easement allows a second party, such as a utility company or neighbor, access to property. Easements are legally documented and it's helpful to consult a real estate attorney to understand them.
Title Insurance And Deeds
Learn what a property deed is and why it's important to have title insurance. A deed is a document of conveyance. A deed combined with title insurance guarantees your home ownership. Learn about deeds and title insurance.
What Does Title Insurance Cover?
What does title insurance cover? Title insurance covers property line disputes, easements, bad appraisals, fraud and forgery. Learn what title insurance covers before you buy it. Find out how title insurance protects you and your property.