Understanding Deductibles...

Are you muddling over health insurance options? Are you confused with the insurance industry's terminology and lethargic contracts? We've published free resources to help you navigate the health insurance process. Most insurance policies require you to cover part of your health expenses yourself . The portion covered out of your own pocket is called the "deductible". This money requirement is paid before the company pays anything. Under some policies the deductible is annual, and you pay only once each year if you use the insurance. Under others, you pay the deductible each time you have an illness or injury. In choosing insurance, you should think carefully about how much you can afford to pay out of your own pocket each time you are sick or injured, and weigh the deductible against the premium before you decide. If you have questions about health insurance we're here to help.We can assist you in finding the right coverage for you at the right cost for your pockets. Visit our Health Insurance Resource page for more information on health coverage.

Insurance Tips: Ways to Save on Auto Insurance

The requirements of auto insurance vary from state to state. Some states demand more coverage than others.  Before purchasing auto insurance be sure to check the legal requirements in your state and read these tips on how to save on Auto Insurance.

Ways to Save on Auto Insurance
-Keep your driving record clean. The more faults you make, the higher the premium.
- Installing security devices such as car alarms, air bags, and other safety devices will generally lower your premium.
-Raising your deductible can help you lower your premium amount. But you should be ready to pay more out-of-pocket if you meet with an accident.

Insurance Tips: Tips to Save on Homeowner's Insurance

For many families their home is consider their largest asset and protecting that asset is imperative to their future. There are many ways to save on the rising cost of protecting your home. Check out these tips on lowering the cost of homeowner's insurance.

Tips to Save on Homeowner's Insurance
-You must speak to a reliable insurance expert to know how much coverage you need.
-There is no need to pay excess amount if you know what is essential to be covered under a homeowner’s insurance policy.
-Install electronic security alarms to reduce the cost of insurance.
-Ask for a deductible if your home is made of fire resistant material.

Insurance Tips: Ways to Save on Life Insurance

Having the proper life insurance policy is the foundation for building a solid financial house for you and your family. Contrary to popular belief buying life insurance doesn't have to be extremely expensive. Having the right resources and the right timing can make a huge difference in your monthly and annual life insurance costs. Utilize these tips to get the policy you need with an affordable premium.

Ways to Save on Life Insurance:
 -Buy Life Insurance when you are young
 -Buy the right amount of coverage and the right length of Term Life Insurance
 -Make sure you deal with a licensed provider who covers all underwriting criteria in case you fall under one or more risk factors
 -Ask for discounts if you intend to pay your premium annually, or monthly via electronic fund transfer
 -Review your Life Insurance policy at regular intervals

Property Insurance Pitfalls: What's Liability?

Liability is an extremely important provision inside your property insurance. This provision extends to a certain extent for neighboring homes or guests of your residence. If your home burns down and the fire spreads to the house next door the additional home should be covered. Liability also comes to assistance if a guest is injured on your property.

Get General Liability Info HERE

Property Insurance Pitfalls: Do I need insurance?

Many U.S. state laws require some form of insurance. The specific coverage and policy demands vary from state to state. Fortunately, insurance policies are often offered n bundled packages, saving the policy holder money over the course of time. Be sure to gather all of the details regarding your policies and gain clarity if you are unaware of the requirements held in your state.

Property Insurance Pitfalls: Additional Coverage

Knowing the specifics concerning our additional property insurance coverage can help you sleep better at night. Depending on your state of residence various rules may apply to your policy. In some states home base businesses are not commonly included in coverage. Additionally, if you own multiple homes for vacationing and seasonal travel higher premiums may be applied to cover vacancy.