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Insurance Basics For New Homeowners
jennifer Mar, 05, 2021You’ve been searching for the perfect house for months. Finally, you found the one. After your offer is accepted and a small mountain of paperwork is signed, it’s yours. What are you going to do next? If you’re smart, before you pack a single box, you will make sure your home insurance has you covered for whatever life might have in store. While your mortgage lender likely requires you to carry some level of home…
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Do You Need Automobile Insurance?
jenniferAutomobile Insurance is required by law in most states for people that own automobiles. Each state has its own requirement that tells you how much coverage is allowed as a minimum that each vehicle owner is required to carry. This is not only to protect you but also other drivers and vehicle owners. When someone is involved in an accident there is normally damage to the vehicles and many times medical expenses to the people…
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Who Needs Life Insurance?
jenniferLife insurance is an important insurance for everyone to have. Life insurance is an insurance policy that an insured pays a premium for a set length of time and when the insured person passes away the set amount of the life insurance policy is paid to the insured’s beneficiary. Many people purchase life insurance to help their families survive in case of their death. Most everyone needs help in paying for funeral expenses and many…
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Considering Whole Life Insurance
jenniferLife insurance is something that most people don’t like to think about. This means that death has occurred, and they are no longer living their life with their families and friends. It is something that all of us need to face because no one wants to leave their family with the expense of a funeral and other bills including even possibly their home. It is something that all of us need to learn the facts…
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What is Cobra Insurance?
jenniferA Cobra Insurance normally pertains to your health insurance that allows you to pay for your current insurance at a discounted rate. This sometimes can be expensive because you may be required to pay both your and your employers’ costs. Right now, because of the Coronavirus Pandemic, many people are being left without jobs because they work for a company that is classified as a non-essential company. Meaning it does not supply food, medical or…
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Paying Your Insurance Premiums
jenniferInsurance Premiums on your Automobile Insurance are something that everyone should consider. When you select your insurance and sign a contract between you and the insurance company, you have agreed to pay for your policy which outlines your insurance protection. Depending upon the type of coverage and the Insurance Agent that you have selected, your premiums will vary. It is wise to shop for your insurance coverage or to use an Insurance Broker that will…
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Student Loan Calculator: Estimate Your Payments
jenniferStudent loans have become one of the primary ways students and their families pay for college. Nearly two-thirds of graduates from public and private nonprofit colleges in 2018 left school with student loan debt, according to the most recent data from The Institute for College Access & Success. But while student loans can help make college affordable, the amount you borrow now will affect your budget for years after you graduate or leave school. Before…
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Can A Landlord Make You Buy Renters Insurance?
jenniferA decade ago, mandatory renters insurance was so rare that landlords who tried to impose it risked losing tenants. Today it’s as much a part of the rental process as a security deposit, credit check and first month’s rent. But in the early 2000s, when the cost of property insurance for apartment owners skyrocketed, landlords sought to reduce their costs. Now a $100,000 deductible is common at large complexes. The high deductible reduces an owner’s…
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Why Have Health Insurance?
jenniferHealth Insurance is very important for everyone to have. If you get sick or hurt yourself at home and have to go to the doctor or an Urgent Care or Emergency Room, the cost of just walking in is very expensive. Then if you require x rays or any other tests the costs climb even higher. You are charged for any medications, equipment and supplies that are used on you. These prices are nowhere near…