Why is insurance important? Want to get a home mortgage, your lender will require homeowner’s insurance. Want to buy a car?  If you need a car loan, your lender will require auto insurance. Ever been injured on the job?  By law, in most states, you are protected by workers compensation, a form of insurance. Insurance…

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Did you know an estimated $1 billion in benefits from missing or forgotten life insurance policies are unclaimed in America?  One in six hundred benefits are never claimed by the insurance policy owner.  It may be an average of only $2,000 but some payouts are as high as $300,000.  That is a lot of money…

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As Hurricane Dorian heads to Florida after scouring the Bahamas, you may be wondering just what will be covered by your insurance.  Though damage from disasters are usually covered under a standard policy, there are some damages that require separate coverage.  So, where do you stand? Normal policies cover damage sustained from most natural perils:…

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Is it covered?  Read your policy…all of it.  The written insurance commitment benefits matter more than what insurance agents said, according to New Jersey federal judge.  Reading the fine print is tedious, but when it comes to insurance, skipping the dry prose can cost a lot of money.  Insurance is regulated federally, but is also…

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Compare products, not just prices.  You buy insurance for coverage, not just so you can get the home mortgage or car loan.  Make sure your insurance will provide the amount and type of coverage you are looking to get.   Then compare prices. Ask about discounts.  Once you find the coverage that meets your specific needs,…

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