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.
Six Tips for Choosing an Auto Insurance Policy
Insurance ads are everywhere you look. They promise low rates, helpful service, and quality coverage. With so many options available, it can be difficult choose the right policy or even to know where to start looking. If you’re feeling overwhelmed, you’re not alone. Many Americans don’t understand the basics of auto insurance, which makes it difficult to [...]
Five Reasons Your Homeowner’s Insurance Rate May Rise
Given the flooding, wildfires, tornadoes, and other severe weather of the past few years, you’re probably fully aware that these conditions have a direct impact on rising homeowner’s insurance costs. If you haven’t already, it’s likely you soon will be contacting your insurance agent to find a way to combat these huge rate increases. However, [...]
Do I Really Need Long-Term Care Insurance?
Many Americans will need the services of a long-term care provider as they get older. Unfortunately, Medicare and private health insurance companies do not cover assisted living facilities and private home care agencies, and many seniors quickly deplete their funds paying for care. There is no one way for you to predict whether you will [...]
What Insurance Do I Need If I’m Renting Out My Home?
In today’s difficult post-Great Recession economy, I find that more of my clients are renting out their single-family homes. This allows them to move to a smaller place so that they can make ends meet or save money for the future more easily. Some of my clients who have second homes are also renting those [...]
Do You Really Need Smartphone Insurance?
You’ve just spent a good chunk of change on a fancy smartphone, and the salesperson paints you a picture of everything that could happen to your shiny new device. You could drop it on a concrete floor and shatter the screen. You could drop it in the toilet (don’t laugh—a colleague of mine just admitted [...]
How Do I File an Auto Insurance Claim?
If you have ever been involved in an automobile accident, you probably remember how flustered you were after the initial impact. In the event of even a minor collision, it can be difficult to remember what your course of action should be. Calling the police should be your first step. After that, here are a [...]
How to Avoid Life Insurance Scams
Life insurance can give you the peace of mind that your spouse or children will be taken care of in the event of your death. Unfortunately, there are fraudsters out there who know how to prey on your fear for your dependents and scam you out of thousands of dollars. When you’re shopping for a [...]
Five More Myths About Your Homeowner’s Insurance
This article was written by guest blogger Loretta Worters. There are a lot of homeowner’s insurance myths floating around, and it can be hard to separate fact from fiction. Whether you’re shopping for homeowner’s insurance for the first time or updating your existing policy, here are a few misconceptions to keep in mind about what [...]
Six Things You Need to Do After a House Fire
You may think a house fire will never happen to you. But what if it does? Are you prepared? Figuring out what to do after a home fire can be a very stressful and overwhelming process, and it can be hard to decide what to do first. With a little help from your insurance agent, [...]
Watch Out for These Four Health Insurance Scams
With the rollout of the new health insurance exchanges, there’s a good chance that a few health insurance scams will also be rolled out to unsuspecting consumers. Don’t be duped. Here are a few of the most common scams: 1. Fake health insurance plans. High-pressured salespeople may insist that you join a “union” or “association” [...]