Hazard Insurance: Is Your Home Protected?
Hazard insurance offers basic coverage for your home. It may satisfy your mortgage lender’s insurance requirements, but it doesn’t offer the same coverage as a comprehensive policy.
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A Look at Uninsurable Risk
Uninsurable risk refers to those things insurance companies won’t cover. Knowing what is uninsurable will help you plan for the future.
Charlene Royston | Owner
4 Types of Liability Insurance Every Business Should Have
These essential liability insurance policies will protect you from mishaps that can put a company out of business.
Bennett O'Brien | Freelance Writer
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The world of insurance can be complicated. Subscribe to the Insuranceopedia newsletter and stay in the know! Access expert content, industry term definitions and answers to your questions from knowledgeable insurance insiders. Arm yourself with what you need to know to keep your assets and your family safe.
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An insurance agent’s job is to get to know you, figure out what you need, then find the policy that best fits those needs.
Understanding the basic terms of an insurance contract will help you make an informed choice when buying a policy.
Make sure you prevent theft and break-ins in your apartment. Just because you don’t own your space doesn’t mean you can’t take steps to secure it!
Protecting your company with specific types of business insurance can reduce your exposure to financial risk and keep your hard-earned profits in your own pockets.
If you own a business with multiple locations, the term “blanket coverage” is one you will want to get cozy with!
Crimes insurance can protect your company in the event that a commercial crime causes losses. It pays to consider the main types of coverage available to reduce your risk exposures.
If you take out a policy loan, Direct Recognition Life Insurance pays dividends only on the remaining value, non-direct means dividends paid on the whole thing.
When it comes to home insurance, the higher the cost to rebuild, the more coverage you need.
If dealing with your insurance company does not resolve the dispute, there are a few parties who can help you get the settlement you deserve.
With a variety of jobs and lots of opportunities for mobility, the insurance industry is a great place to build a career.
Understanding your insurer’s role in the event of a lawsuit can help you better cooperate with them and allow the process to go as smoothly as possible.
In the event you cannot work due to an injury or illness, income protection insurance provides financial assistance.
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Stay informed with Insuranceopedia!
The world of insurance can be complicated. Subscribe to the Insuranceopedia newsletter and stay in the know! Access expert content, industry term definitions and answers to your questions from knowledgeable insurance insiders. Arm yourself with what you need to know to keep your assets and your family safe.
Advertisement
Commercial Lines
These essential liability insurance policies will protect you from mishaps that can put a company out of business.
Protecting your company with specific types of business insurance can reduce your exposure to financial risk and keep your hard-earned profits in your own pockets.
If you own a business with multiple locations, the term “blanket coverage” is one you will want to get cozy with!
Crimes insurance can protect your company in the event that a commercial crime causes losses. It pays to consider the main types of coverage available to reduce your risk exposures.
Which insurance is best when it comes to Etsy for sellers? Product liability, a home-based business endorsement, or a full commercial policy—it depends on many factors.
Get past the basics of your business insurance policy. Talk to an independent agent about often overlooked, but critical coverages to make sure your business is protected.
Remote work increases insurance exposures. Make sure you review your remote working policy and procedures with your insurance agent
Liability insurance is a must for every business. Your insurance needs will vary based on your specific situation, but liability coverage is one thing you don’t want to overlook.
If you work for a ridesharing service, your auto insurance policy needs to cover all potential liabilities.
Finding the right insurance while self-employed isn’t difficult when you know what to look for.
Running a farm includes managing risk at the lowest cost to stay competitive. Whether you run a small hobby farm or an expansive operation, consider these farm insurance policies to protect your business.
Each insurance company calculates commercial insurance premiums based on risk, but the formulas they use can differ greatly.
Fintech
P2P is still in an experimental stage, but it promises lower rates and increased transparency.
More than 30% of insurance customers already rely on some form of InsureTech. Here’s what we might see next.
With a variety of jobs and lots of opportunities for mobility, the insurance industry is a great place to build a career.
On-demand insurance is unlikely to replace traditional coverage, but it can be a useful way to fill gaps in coverage.
Wearable technology, FinTech, and other recent technological developments will make purchasing insurance more convenient and cost effective.
Many freelancers worry about how to get health insurance. Here are some solutions for this problem.
Follow these bloggers for advice on how to manage your finances, eliminate debt, grow your wealth, or retire early.
As the technology improves and customer demand increases, robo-advisors will likely be a common offering by insurance companies.
Government Regulations
If you have suffered losses as the result of a crime, consult your state government’s victim compensation program to find out which of those losses can be recovered.
Self-driving cars might complicate liability but will likely result in far lower auto insurance premiums for consumers.
Most employees who suffer a work-related injury are entitled to worker’s compensation benefits.
Personal Lines
When it comes to buying versus leasing, you’ll need to weigh your options. Insuranceopedia lays out the pros and cons to help you make the best decision for you.
The bottom line when it comes to expert tips for saving money on your insurance is: do your research and don’t be afraid to negotiate.
Hazard insurance offers basic coverage for your home. It may satisfy your mortgage lender’s insurance requirements, but it doesn’t offer the same coverage as a comprehensive policy.
The ACA means maternity coverage is better than it has been before, but there are still a few things you need to look out for when expecting a baby.
Top insurance tips for newlyweds include buying insurance for the big day and your big ticket items and updating your policies and beneficiaries.
Making the right choice for life insurance can feel overwhelming. Start here, with this list of major life insurance companies and information about each one.
Pump the breaks before you head to the dealership! The first time buying car insurance can be a harrowing experience. Make sure you know what to look for.
Collecting on an insurance claim isn’t always as seamless as it should be. Here’s what to do when your insurance company won’t pay.
Make sure you prevent theft and break-ins in your apartment. Just because you don’t own your space doesn’t mean you can’t take steps to secure it!
Wondering how insurance companies make money? Just like any business, they need to carefully ensure they are bringing in more than they spend.
A low credit score can make you appear like a higher insurance risk, resulting in more expensive premiums for your insurance coverage.
Life insurance should be part of your personal finance plan as a way to help when you are here and after you’re gone.
Professional Organizations
With a variety of jobs and lots of opportunities for mobility, the insurance industry is a great place to build a career.
The Insurance Business
Your claims history plays a major role in your insurability. Understanding its impact equips you with the power to make better decisions to improve your insurance score.
Uninsurable risk refers to those things insurance companies won’t cover. Knowing what is uninsurable will help you plan for the future.
An insurance agent’s job is to get to know you, figure out what you need, then find the policy that best fits those needs.
Understanding the basic terms of an insurance contract will help you make an informed choice when buying a policy.
Wondering how insurance companies make money? Just like any business, they need to carefully ensure they are bringing in more than they spend.
A low credit score can make you appear like a higher insurance risk, resulting in more expensive premiums for your insurance coverage.
Between the global pandemic and financial crisis, insurance companies and their insured clients are facing challenges they have never faced before.
Familiarize yourself with these steps so that you don’t forget something important when you’re involved in a serious car collision.
Regulations and the number of uninsured drivers on the road can make a big difference to the cost of your auto insurance.
Finding a reliable company that treats you well just takes a bit of research.
Like any other business, insurance companies can fail. These tips will help you find a reputable company that is likely to stay afloat.
Drones allow insurance companies to cut costs, be more efficient, and perhaps even offer lower premiums.
Trusts
Fewer than half of Americans have a will, but the process isn’t as intimidating as many think it is.
Trusts are a great way to pass on your assets without burdening your heirs with additional taxes and costs.
Asset Insurance
Protecting your company with specific types of business insurance can reduce your exposure to financial risk and keep your hard-earned profits in your own pockets.
A burglary occurs every 13 seconds in the United States. Are you protected from loss?
Marine coverage is one of the oldest and most complex types of insurance.
Employee theft is common, especially for small businesses.
Small businesses are now the primary target for cyber crimes. Make sure you have the right insurance protection.
The market and the weather are very unpredictable, and both can have devastating effects on agricultural profitability . It’s better to prepare for crop failures with revenue protection insurance than to be caught without your business’ primary asset.
Cyber insurance policy details vary significantly across insurers. Compare policies to make sure you have all of the coverage your business requires.
Group Benefits
Collecting on an insurance claim isn’t always as seamless as it should be. Here’s what to do when your insurance company won’t pay.
For the time between health benefit coverage at your last job and your next job, COBRA may ensure the coverage you need.
Self-insurance is a riskier option for small and medium-sized companies.
Employee benefits improve employee retention and reduce costs.
Insurance is a part of keeping a business running and profitable. Follow these feeds for information and advice straight from the experts.
Group health insurance can offer great benefits for you and your employees, but to find the right policy for your business you will need to do your homework and follow the advice in this brief guide.
Consult an insurance agent and carefully consider your healthcare coverage options before quitting your job.
Follow these feeds to stay up to date on the latest developments in health insurance and to get helpful tips on managing your insurance.
Understanding these options will help you select the benefits that are most suitable to your employees.
Liability Insurance
These essential liability insurance policies will protect you from mishaps that can put a company out of business.
An insurance agent’s job is to get to know you, figure out what you need, then find the policy that best fits those needs.
Which insurance is best when it comes to Etsy for sellers? Product liability, a home-based business endorsement, or a full commercial policy—it depends on many factors.
Get past the basics of your business insurance policy. Talk to an independent agent about often overlooked, but critical coverages to make sure your business is protected.
Understanding these five crucial auto insurance coverages will help you keep your car protected.
Liability insurance is a must for every business. Your insurance needs will vary based on your specific situation, but liability coverage is one thing you don’t want to overlook.
If you work for a ridesharing service, your auto insurance policy needs to cover all potential liabilities.
Insurance for renovations can make or break your project, especially when working with a contractor.
Running a farm includes managing risk at the lowest cost to stay competitive. Whether you run a small hobby farm or an expansive operation, consider these farm insurance policies to protect your business.
If you have more assets than liability coverage, umbrella insurance can give you the protection you need.
Parental liability is complicated and varies across states. If your child has committed a wrongful, negligent, or criminal act, you may want to consult a lawyer.
Ordinary business insurance doesn’t usually cover you for property that is entrusted to you.
Auto Insurance
When it comes to buying versus leasing, you’ll need to weigh your options. Insuranceopedia lays out the pros and cons to help you make the best decision for you.
The bottom line when it comes to expert tips for saving money on your insurance is: do your research and don’t be afraid to negotiate.
Top insurance tips for newlyweds include buying insurance for the big day and your big ticket items and updating your policies and beneficiaries.
Pump the breaks before you head to the dealership! The first time buying car insurance can be a harrowing experience. Make sure you know what to look for.
An insurance agent’s job is to get to know you, figure out what you need, then find the policy that best fits those needs.
Collecting on an insurance claim isn’t always as seamless as it should be. Here’s what to do when your insurance company won’t pay.
Look beyond the price when you compare car insurance quotes.
Various factors, including the number of major city centers and the number of uninsured drivers, affect car insurance rates across states.
For seniors, making sure your insurance policy reflects your lifestyle will protect both yourself and your family’s financial future.
Understanding these five crucial auto insurance coverages will help you keep your car protected.
Motorcycle insurance is a separate policy you need to purchase to ensure you are covered out on the open road.
If you work for a ridesharing service, your auto insurance policy needs to cover all potential liabilities.
Health Insurance
There are 4 key trends shaping pain management billing and insurance.
The bottom line when it comes to expert tips for saving money on your insurance is: do your research and don’t be afraid to negotiate.
Uninsurable risk refers to those things insurance companies won’t cover. Knowing what is uninsurable will help you plan for the future.
The ACA means maternity coverage is better than it has been before, but there are still a few things you need to look out for when expecting a baby.
Collecting on an insurance claim isn’t always as seamless as it should be. Here’s what to do when your insurance company won’t pay.
For the time between health benefit coverage at your last job and your next job, COBRA may ensure the coverage you need.
Looking to get a life insurance online? Here’s what you need to be aware of before you start the process.
Not sure what you need in a travel insurance or emergency medical coverage? This article is your first step to understanding your travel insurance.
Making adjustments to your policy or your lifestyle can help you save on health insurance. Here’s how.
Like most insurance products, when it pays out, it’s usually bittersweet and worth every penny. And, in this case of critical illness insurance, if it doesn’t, you are still left with peace of mind, your health and financial security.
Smoking marijuana may affect your ability to buy life insurance, and maybe most importantly, it may affect how much you’ll pay for life insurance, too.
In the world of life insurance, the Goldilocks of policies may be Universal Life insurance. The available forms of life insurance range from term contracts to whole life policies. In the middle, we have Universal Life (UL) insurance, more formally known as Flexible Premium Adjustable Life.
Home Insurance
The bottom line when it comes to expert tips for saving money on your insurance is: do your research and don’t be afraid to negotiate.
Hazard insurance offers basic coverage for your home. It may satisfy your mortgage lender’s insurance requirements, but it doesn’t offer the same coverage as a comprehensive policy.
An insurance agent’s job is to get to know you, figure out what you need, then find the policy that best fits those needs.
Collecting on an insurance claim isn’t always as seamless as it should be. Here’s what to do when your insurance company won’t pay.
Make sure you prevent theft and break-ins in your apartment. Just because you don’t own your space doesn’t mean you can’t take steps to secure it!
For seniors, making sure your insurance policy reflects your lifestyle will protect both yourself and your family’s financial future.
When it comes to home insurance, the higher the cost to rebuild, the more coverage you need.
Figuring out how much homeowner’s insurance you need is a balancing act between overpaying for coverage you don’t need and ending up with inadequate coverage.
Insurance for renovations can make or break your project, especially when working with a contractor.
Parental liability is complicated and varies across states. If your child has committed a wrongful, negligent, or criminal act, you may want to consult a lawyer.
Home improvements that increase your risk or the value of your home can result in changes in your insurance coverage.
Veterans and active duty servicemembers might be eligible for tailored policies and discount rates.
Personal
When it comes to buying versus leasing, you’ll need to weigh your options. Insuranceopedia lays out the pros and cons to help you make the best decision for you.
Collecting on an insurance claim isn’t always as seamless as it should be. Here’s what to do when your insurance company won’t pay.
Purchasing a life insurance policy early allows you to take advantage of lower premiums.
Looking to get a life insurance online? Here’s what you need to be aware of before you start the process.
Look beyond the price when you compare car insurance quotes.
It isn’t just your age and lifestyle that determine what life insurance premium you will pay.
When deciding on life insurance coverage, you need to consider premium costs, investment options, and how long you want your coverage to last.
If you take out a policy loan, Direct Recognition Life Insurance pays dividends only on the remaining value, non-direct means dividends paid on the whole thing.
When it comes to home insurance, the higher the cost to rebuild, the more coverage you need.
Several key steps can help you get your life insurance payout quickly. Follow them to avoid having to wait a long time to access your benefits.
A new baby means big changes. Now is the time to evaluate your insurance needs.
Term life insurance is a simple, affordable option that offers a lot of flexibility. Here’s what to consider when you are shopping for life insurance.
Vehicle Insurace
Motorcycle insurance is a separate policy you need to purchase to ensure you are covered out on the open road.
