Being a full-time employee offers a number of different benefits. You are often offered health insurance benefits to cover you and possibly your loved ones. While most people assume that their health insurance is there just to cover them when they get sick or need to visit the dentist, there is more to it than what you might realize. Unfortunately, many people don’t realize all of the different benefits they could be taking advantage of with their premium. Read More»
So, you’re going on a long road trip this holiday season and your auto insurance covers the minimum amount of coverage for your state. Since minimum coverages vary state by state, it’s important to find out if your insurance offers a broadening clause.
Broadening Clauses Ensure You Have the Minimum Required
Broadening clauses extend your auto insurance coverage to meet the minimum requirements for the state where you’re driving. So for example, if you are a resident of California and your state’s minimum liability coverage is 15/30/5, and you’re driving to Colorado this holiday season where the minimum coverage is 25/50/25, your insurance is inadequate unless it has a broadening clause. Read More»
Mitigating liability is one of the key components of ensuring both patient satisfaction and preventing malpractice claims. As a practicing dentist, there are many ways you can work to lower your risks of lawsuits, which can help lower your business’s insurance costs overall. The following three strategies, combined with a comprehensive malpractice liability insurance, can aid you in this goal.
#1: Educate Thoroughly
One of the most important steps you can take is to make sure every patient is fully educated upon their treatment options and overall dental health. Read More»
If you live in rental property and own or plan to own a waterbed, you need renters insurance. A waterbed can do extensive and immediate damage to the home you are renting, items with which it comes into contact with, and the apartment of anyone who is unfortunate enough to live in an apartment below yours. Fortunately, you can protect your financial interests and get help with the expenses related to the waterbed leak if you have the right type of renters insurance. Read More»
If you are starting to think about shopping around for a new auto insurance policy, you might want to take a few minute to review the following money saving tips. This way, you will be able to get the best insurance possible for the best price.
Make Your Premium Payment In Full
Instead of having your yearly premium broken down into monthly payments, you may want to consider paying it in full. Read More»
Not everyone realizes that a regular homeowner’s insurance policy doesn’t cover damage from flooding. For this, you need to purchase a separate flood insurance policy. These policies aren’t always well understood.
Flood Insurance Isn’t Only For High-Risk Areas
Actually, most homeowners have access to this type of policy. While it’s a requirement to get a mortgage in high-risk areas, and sometimes in areas that are next to high-risk areas, those in low- or moderate-risk areas could also benefit from this type of coverage and won’t have to pay as much as those living in high-risk areas. Read More»
If you own a home, but don’t yet invest in home insurance, you may be wondering whether it’s worth the cost. Many people wait to purchase this coverage because they assume they will never need it. While this may be the case, you want to make sure that you’re protected in case the unthinkable happens. This protection offers many benefits. Take a look at the following information to better understand some of the reasons as to why you should invest in home insurance. Read More»
As a newly licensed driver, you need to choose a car insurance policy that suits you. You may know that most states require drivers to have valid car insurance policies. In many states, you will be required to have a minimum amount of coverage. You can find requirements for your state by searching online. In addition to this minimum coverage, you have additional options for car insurance policies.
Collision Coverage and Comprehensive Coverage Read More»
Having your grandkids for a weekend or the summer can be fun, but could lead you into a cornered situation. If your grandchildren are visiting and want to get out and about, your car may be their first target. However, before you hand your grandchildren the keys to your car, ask yourself, “Does your auto insurance cover your grandkids?”
Who Should Be Covered?
According to the United States Census, grandkids are doing more than just visiting their grandparents. Read More»
Fraud costs car insurance companies a lot of money, but it also affects motorists. Insurers would lower their rates if motorists would file fewer claims, and fraudsters are helping to ensure that this is not the case. This is why insurance companies are always on the lookout for fraudulent claims. Some of the red flags that they watch out for include:
Incriminating Social Media Posts
These days many people seem to live their lives on social media, and insurance companies are alert to this fact. Read More»
