Insurance

you need to purchase casualty insurance, or that you need property and casualty insurance, it is important that you understand what specific type of insurance you are actually being advised to purchase. The term casualty insurance, as well as property insurance, actually applies to a broad range of different types of insurance. Here is a brief overview of what exactly is meant by property and casualty insurance, and all the forms of these two insurances that are available to you. What Property & Casualty Insurance Really Means As a broad definition, property insurance is insurance that protects your personal belongings, such as your home and vehicle, against all sorts of natural and manmade damages and disasters. Casualty insurance, on the other hand, provides you with…

Aha Insurance – What All Renters Need To Know About Insurance The Insurance Bureau of Canada has calculated that approximately 50% of Canadians who rent homes – apartments or houses – do not have insurance, but this does not mean that renters should not have insurance. On the contrary, it means that 50% of Canadians who rent houses or apartments are exposing themselves to unnecessary financial risks. What Should All Renters Know About Insurance? 1. Legal Liability If there is an accident…

Without health insurance in the United States, costs for health care can be out of control and unmanageable for most individuals. These are facts that the government knows to be true as well as private insurers. If not covered by a government funded or public plan, an alternative is to seek coverage through a private insurer. Currently, individual plan purchase is available. For others, employer sponsored plans are available to participate in. The hope is that with all of these options…

Gap insurance is meant to cover the gap between the value of your vehicle and the amount that is sill owed on the vehicle in the event of a car wreck. At one point, many people who lease or take out a loan on a car owe more money towards the loan than what the actual car is worth. This is most common if the car is fairly new. The car’s value depreciates immediately after you drive it off the dealership. Therefore, if your car becomes completely totaled during this time frame you may end up owing…

homeowners insurance many times, is required. Homeowners insurance is also helpful even if the house and any loans against it are paid off. Homeowners insurance in Memorial Texas protects from many different perils and includes property and liability insurance coverage. Since homes come in many shapes in sizes, homeowners insurance has to be very adaptable to a wide variety of properties. Homeowners insurance comes in many different types with the main difference being what perils…

Do you need insurance for a vehicle, but only need it for one day? Most policies for auto insurance will offer coverage for six months to a year. However, you may find that one day insurance will be a perfect option for your needs. You may want to review some of the basics and then decide if one day insurance is something you will need. The Nitty Gritty A one day insurance policy for a car is a form of short-term insurance. This means coverage is available only for a short amount of time. Do…

These high expenses include rent, health insurance, personal care, and food, which all have their own sub categories that provide more depth into the source of each expense. As already explained rent was a major factor when trying to calculate each and every expense. After, you find out which place you are going to call home, you have to find out your health insurance options. Before you do your research, finding health insurance may seem simple depending on how much you are willing to pay. But…

pay homeowners insurance until your loan is paid off. But what many homebuyers don 't always think about prior to putting a contract on a home is how much that homeowners insurance will cost. The cost of your homeowners insurance is usually split up and paid monthly along with your mortgage payment. Therefore, if you didn 't anticipate those extra costs, which could also include your property taxes and perhaps property mortgage insurance (PMI), if you didn 't put 20 percent down, then you might…

to having auto insurance, you need to know what to do in the moments immediately after an accident to make sure your insurance agent can help you sort things out. Advantage Insurance Agency in Lincoln, NE has helped many drivers through the worst, and they have great advice for you about how to handle a car accident. If you're in an accident, make sure you follow these steps: Move Your Car: Before you can even think about your car insurance information, you need to move your car out of the…

Many insurance companies now offer what is known as employment practices liability insurance (EPLI). Whether an employer elects to purchase such insurance coverage is a decision which should be made with care and only after a complete review of various options open to the employer. Your insurance agent or human resource consultant may urge your business to purchase employment practice liability insurance (EPLI) in the hope or belief that this insurance will protect your business against the…