Dianne Flores

The Basics To Navigating Medicare Advantage Plans

Navigating Medicare can take a little patience and willingness to learn, as there are multiple parts to the government-backed insurance plan for elderly and retired Americans. If you are of retirement age, it is important that you understand the different types of insurance that you can get under Medicare and how they all work. Medicare Coverage Is About Age You cannot qualify for Medicare until you are at least 65 years old.

Does Your Homeowners Insurance Really Cover The Damages?

When you pay homeowners insurance premiums each month, you expect for things to be covered when you file a claim with the company. Unfortunately, there are so many things that you might think would be covered, but aren't. So, what happens if the soil around your home erodes and causes damage to the house? What happens if someone breaks in and steals your hunting rifles? Will these things be covered? Here, you'll find a little bit of information that can help you determine if you need to contact your insurance agent to add some more coverage to your policy.

Why You May Need To Inspect Your Home Before Buying Insurance Coverage

There are cases where you don't have to inspect your home before buying homeowners insurance and there are also cases where the home inspection is a prerequisite for the coverage. Here are some of the cases where you may need an inspection. The House Is Very Old Extremely old homes have unique risks that their newer counterparts may not have. The plumbing system may be deteriorating and prone to leaks, the electrical system may be outdated and risky, and many of the building materials may be breaking down.

Is Your Current Commercial Insurance Suiting Your Needs? 4 Signs That It's Time For An Update

If you've had the same commercial insurance for a while, it's time to take a look at your policy. Like your other insurance policies, your commercial policy should be updated from time to time. Those routine updates can ensure that you have the right coverage for your commercial needs, and ensure that you're not paying too much for the coverage you have. If you're not sure you need to update your policy, take a look at the list below.

Signs That Your Home May Be Underinsured

Many people are living in under insured homes, which mean they won't be fully compensated if disaster strikes. To make it worse, many of those living in under insured homes don't even know that they don't have adequate insurance protection. Here are some of the situations that may mean your house is under insured: You Have Renovated the House Renovating the house can increase its replacement cost, which calls for greater insurance coverage.

Want Tips To Save Money On Auto Insurance? Start With These

If you are in need of some money-saving tips for your auto insurance, you are going to want to read through the following tips. The more tips you use, the more money you should be able to save each year. Ask About Multi-Vehicle Discounts Some people find out that they are paying too much for their auto insurance payments because they did not know to ask about multi-vehicle discounts. Basically, it is a discount that you receive for having more than one vehicle insured with the same company.

How To Handle A Denied Life Insurance Claim

A life insurance policy through a company like Reinhardt's Insurance Agency can lessen the financial upheaval that often follows a loved one's unexpected passing. Sadly, it's not uncommon for a life insurance policy claim to be delayed or even denied for various reasons. The following explains what you can do in the aftermath of a denied life insurance claim. Learn Why It Was Denied One of the most common reasons for a life insurance claim denial is due to material misrepresentation caused by false or inaccurate information.

From Military Service To Entrepreneur: What You Need To Know When Starting Your Own Business

According to the United States Small Business Administration, veterans are almost twice more likely to be self-employed than those who have never served in the military. Perhaps this is due, at least in part, to the discipline and dedication that is instilled and ingrained into those who serve in the armed forces. Here's what you need to know if you are a veteran, or you are currently in the military and quickly approaching your ETS date, and you are interested in starting your own business.

Spend Most Of Your Workday Driving? How Can You Keep Your Insurance Costs Low?

Although it takes most U.S. workers an average of only 26 minutes to commute to work each day, some employees who travel around the state (or country) to entertain clients, drum up business, or make deliveries may spend far more than an hour per day in their vehicles. Unfortunately, the more you drive, the higher your risk of eventually being involved in an auto accident, and therefore the higher your insurance rate--often even if you have a better driving record than another driver who spends far less time behind the wheel.

Major Differences Between Auto Insurance Non-Renewal And Cancellation

Both auto insurance cancellation and non-renewal can leave you out in the cold as far as coverage is concerned, but the two aren't the same. Here are some of the major differences between cancellation and non-renewal: The Triggers An insurance company can only cancel your policy if you do something bad that makes you uninsurable, at least in their eyes. That is why most states allow insurance companies to cancel policies for those who fail to pay their premiums, have their driving licenses suspended, or commit fraud in their insurance applications.