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Insurance Topics

Life Insurance - Personal Topics

Final Expense

The benefits of funeral insurance.

Friend or Foe - Funeral Funding

A fresh way to look at your competition. Whether your in the funeral funding assignment business or something else, every business has competition, why not be friendly?

Insurance - Property - Homeowners Topics

Arizona Wildfires

Every year, Arizona fights the blaze and unfortunately homes, personal property, acreage of beautiful land, and in some cases lives are lost. To eliminate some of the destruction we've provided several tips to keep you and your family safe this summer.

Insurance - Flood Topics

National Flood Insurance Program

Facts about Flood Insurance. Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.

Life Insurance - Personal

Key Man Insurance- Yeah I've heard of it now tell me how it works.

Key Man Insurance protects the life of a business

Five Financial Threats to Your Financial Security

Are you ready for these 5 financial threats to your financial security? Everyone will encounter at least on of them within their lifetime.

Health Insurance for Individuals

Do You Know What A Good Benefit Plan Looks Like?

A good benefit plan should include a number of plans that would meet you and your family's medical and financial needs such as: a good major medical (health) insurance plan, a good a accident and health supplement insurance plan, and a good life insurance plans.

Business Advice for Insurance - Property - Business

Every Small Business Should Consider Carrying Thirteen Types of Insurance

Small business should carry adequate insurance coverage regardless of the size of company. Here is an outline of thirteen types of insurance every business owner should consider carrying.

Insurance - Auto - Personal - Questions & Answers

Save 15% on Your Auto Insurance

Though it sounds great and we’re all ready to cut costs where we can the question you have to ask yourself is what else are you cutting?

Insurance - Flood - Questions & Answers

Is federal flood insurance available nationwide?

Top answer: Yes

Are flood insurance policies transferable?

Top answer: No, never

Are flood insurance premiums more expensive in high-risk flood areas?

Top answer: Yes

Are homes in high-risk flood areas required by law to have flood insurance?

Top answer: Yes

Can a mortgage lender require me to buy flood insurance?

Top answer: Yes

Can I still buy flood insurance if I don't live in a high-risk flood zone?

Top answer: Yes

Can renters purchase flood insurance?

Top answer: Yes

Does flood insurance cover damage from mudslides and mudflows?

Top answer: In some cases

Does flood insurance cover flooding due to sump pump failure?

Top answer: No

Does flood insurance typically cover earthquake-related flooding?

Top answer: No

Does flood insurance typically cover flash flooding?

Top answer: Yes, always

Does flood insurance typically cover flood-related erosion?

Top answer: In some cases

Does flood insurance typically cover flooding if my pipes burst?

Top answer: No, never

Does flood insurance typically cover groundwater seepage?

Top answer: No

Does flood insurance typically cover hurricane-related flooding?

Top answer: In most cases

Does flood insurance typically cover landslide-related flooding?

Top answer: No

Does flood insurance typically cover sewer back-ups?

Top answer: No

Does flood insurance typically include contents coverage? (protects personal property and belongings)

Top answer: Yes

FEMA is the only provider of flood insurance in the United States.

Top answer: False

How long does it typically take for a flood insurance policy to take effect?

Top answer: 30 days

Is basement flooding typically covered by a flood insurance policy?

Top answer: In some cases

Is flood insurance tax-deductible?

Top answer: No

Is flooding due to levee or dam failure covered by a typical flood insurance policy?

Top answer: In most cases

Is HVAC equipment (A/C, furnace, boiler, etc.) typically covered by flood insurance?

Top answer: No

Is post-flood mold damage typically covered by flood insurance?

Top answer: In most cases

My house has flooded in the past. Can I still purchase flood insurance?

Top answer: Yes

Will a typical flood insurance policy cover flooding due to snow melt?

Top answer: In most cases

Will the age of my home affect the cost of purchasing flood insurance?

Top answer: No

Will the elevation of my home affect the cost of flood insurance premiums?

Top answer: Yes

Would you recommend purchasing flood insurance through the National Flood Insurance Program (NFIP)?

Top answer: Yes

Auto Insurance Topics

Eight Tips For The Road Ahead

Tips to keeping you and your loved ones safe this summer while embarking on your next road trip adventure.

Health Insurance Topics

Should Employers Educate Their Employees About Long Term Care?

Since employers offer them the opportunity to save for retirement, shouldn't they do the same for this financial risk?

Employer ACA Mandate

Solutions for employers who need to provide health coverage by 2015.

Online Health Insurance Exchanges

Obamacare, is it the answer or more costly to everyone?

Personal Health Insurance Benefits for Small Business Owners

Health Care Reform is here on the first coast. Custom-built plans are the future of health insurance

Do You Know What Factors Determine the Cost of Health Insurance?

Major factors that determine the cost of health insurance. The cost of health insurance effects everyone, those who are starting their own business or getting married. There are number of factors which determine these cost, including your insurability, your health condition, your choice of plan, your location, your age, and gender. Some plans cost less, however, and some people pay less for their insurance, that's because these specific factors are calculated into the cost of health insurance.

Does your company pay for a portion of your individual health insurance?

Top answer: No

How much does your company offer to pay of your individual health insurance policy?

Top answer: None of the cost

Affordable Dental Insurance and Medical Insurance Alternatives

Finding affordable dental insurance and medical insurance alternatives is difficult. So many people through out the United States cannot afford heath care coverage.

Life Insurance Topics

Recharged Marketing for your Funeral Home

How badly do you feel when one of your families choose another Funeral Home? What’s important is finding out “why” they went to Smith’s Funeral Home and not yours. Is it your pricing, sales approach, an insurance assignment funding concern, your offices or rooms, your staff or something else?

Life Insurance

Why Life Insurance?

Allstate Insurance - Daniel Dennis

You're in good hands.

Long Term Care Insurance Topics

Five Questions about Long-Term Care

The What, The Why & The How of Long-Term Care and Paying for It.

Property Insurance Topics

Protecting Your Personal Property Begins with an Inventory

Most people have more personal property than they realize. Here's how to inventory your personal property, so you'll be prepared for the unexpected.

Does homeowners insurance typically cover flood damage?

Top answer: No, never

Tree Trimming or Removal Topics

If a tree falls on a home, is it typically covered by the homeowners insurance policy?

Top answer: In most cases

Other Insurance Topics

You Don’t Have to Pet the Skunk

Tips on adequate automobile insurance.

Tips to Help You Save on Auto Insurance

Learn the basics on how to get the most for your money and still feel confident that your auto insurance adequately covers you.

Tips to Keep You Safe on Your Motorcycle

As warmer weather approaches, more and more riders will out on their motorcycles after a long winter. While this is a great time of year for motorcycle enthusiasts, motorcycles do not forgive mistakes. Follow these tips to stay safe on the road.

“My car is getting older, it is decreasing in value, but my insurance isn’t much cheaper. Why?”

A common misconception people have about auto insurance is that as a car ages and decreases in value, the insurance rate dramatically decreases as well. While the premium does tend get less expensive, read on to find out why it doesn't get as low as many expect.

New Car, New Car Insurance

While upgrading to a newer, more expensive car may increase insurance premiums, it's also true that each additional safety feature will reduce those costs.

Before Hiring That Contractor, Check for Certificates of Insurance

If you engage the services of an independent contractor who does not have workers’ compensation insurance, the law may hold you responsible for work-related injuries.

4 Key Components Of A Properly Structured Life Insurance Policy

Have you given thought to getting a new life insurance policy? Are you struggling to determine how much insurance to get? Do you get a low face amount for a low price or a high face amount for a higher price? These are the questions that most people think about when they decide to get a life insurance policy or increase the face value of the one they currently own. The truth of the matter is none of the answers to those questions should be the determining factor. You need to look at what is your ultimate goal? What or who are you trying to protect? Remember you can't take it with you when you go, so why not prepare it for your loved ones who will remain.

Security for your Sweetheart

For Valentine's Day you can do the usual, or you can do something that could make a world of difference.

Mr. Agent, I Have Insurance Provided Through My Job!

Is Insurance at your job adequate for the future? While I think it is a great thing to take advantage of the Insurance on your job, you should ask yourself the following questions.

How Do You Know If You Are Completely Covered?

What percentage of your total bill do your major medical health insurance cover of the doctor and hospital bill.

How to Access the Treasure in Your Old Life Insurance Policy

Those over 65, or younger if in poor health, can sell their policy to an investor group, who will pay you in cash much more than you can get by "cashing in" your policy.

Insurance Solutions

This article is to provide helpful information about insurance solutions, insurance benefits, and insurance problems.

Taking Care of Life Before You Go.

Life insurance is designed to protect your family's financial security after you die. Life insurance guarantees payment of a specific sum of money on the death of the insured person.

Term Vs. Permanent (Whole) Insurance

Speak with an experienced Licensed Agent before making a decision on what will be best for you and your family

The Current Market and you Variable Life Insurance Policy

This article emphasizes the need to review your Variable Life Insurance policy and consider other options if that is the only Life Insurance you have.

What Is The Best Type Of Insurance?

So Many Insurance Products. Term Life, Whole Life, Universal Life many ask the question. Here is your answer from and Insurance Agent.

How to negotiate for better insurance during tough budget times

What Insurance Companies Don’t Want You To Know About Your Long-term Disability (LTD) Plan In This Issue… • Does my disability policy contain hidden “off-contract” policy language? • Is it true that LTD insurance is practically worthless after 20 years of service? • Will my disability policy cut off claim payments if I refuse a recommended surgical procedure?

Why Long Term Care Insurance is Important

Why you should not over look your long term health options and how it can affect your financial portfolio.

Benefits of Long Term Care and Life Insurance

Some questions you may have about why everyone needs Long Term Care and Life Insurance.

What is an HSA (Health Savings Account)?

HSA, health savings account...the benefits of using a tax-favored account in conjunction with a high-dedcutible medical plan

Health Care Reform: Compare Your Health Care Options

Great tip sheet on how to use on line resources to access health care.

Health Insurance Considerations For 2011

It is always a good idea to review your coverages. Things change, make sure you still have the best coverage for you and your family.

Health Insurance or non-insurance - what is best for you and and your family

Short commentary on health insurance and alternatives

Benefit Selection Process

8 check-points when choosing the right benefits plan using a benefit selection process.

Do You Run The Risk Of Not Being Covered?

Do You Run The Risk of Not Being Covered? Most people don't put a lot of thought into how much a major medical emergency cost them until it is too late.

Have You Had Time To Read Your Benefit Plan?

Have you read and understand your insurance plan? Wouldn't it be nice to have a insurance benefit plan that would take care all your medical, and financial needs when you need it, for instance if you or someone in your family got sick or had an injury and had to be in the hospital for a while, money is going out and not enough money is coming in to take care of the everyday living expenses?

Health Care Reform - What Does It Mean To Consumers

PPACA went into effect Sept. 24, 2010. What does this mean to consumers?

Health Care Reform Timeline

Here is a look at some of the major health care reform provisions that you will see over the next decade.

Health Care Revisited

United States Health Care System through History

National Health Care Update

Did anyone catch the Health Care Summit last week? Impressive? I'm just not sure. While both sides made fantastic points on why there proposal is better, I wasn't convinced that anything happened.

Shopping for Health Insurance? Advantages of Choosing An Independent Florida Insurance Broker

Advantages of Working with an Independent Florida Health Insurance Broker / Agent

Stream-Line Your Insurance Costs

Look at your health benefit insurance cost. You may be able to stream-line your costs by joining a group with other business owners.

What Should Be Covered In a Medical Health plan.

This is a summary of some of the things should in your major medical (health) plan, including features and some benefits.

What Would You Do If The Unexpected Happens?

What would you do if you feel like giving up? Let me tell you a story about a family that live in the southeastern part of the country. John was a self employed contractor with a wife and two kids, he did residential renovations for the people in his town and surrounding area making a decent income paying the household bills.

Wildfire Risk to Homeowner’s on the East Slope of Washington’s Cascade Mountains

How to Best Prepare Your Property to be Best Protected from a Wild Fire and The 5 Key Insurance Coverage's Your Home Policy Should Include In The Event of a Total Loss

Protect Your Family from the Dangers of Fire

With some foresight, you can safeguard your family from the dangers of fire. Here are some tips to protect your family in the event of a fire.

Emergency Planning Is Your Family Prepared for an Emergency?

knowing what to do in case of an emergency. educate your family of the emergency plan

Captive Agent vs Independent Agent – Is there a difference?

Here's why you should choose to work with independent versus captive agents.

Compact Fluorescent Bulbs Can Be A Costly Environmental Hazard In Your Home

Curly Bulbs Carry Toxic Mercury & Must Be Desposed of Properly. They Pose An Expensive Clean Up If Broken In The Home. Damage Is Not Covered by Insurance.

6 Key Things to Look for in an Excellent Homeowner’s policy.

Key coverage components that you want in an excellent homeowner's policy are often not included and too many agents don't even know what they are.

30 Years and Out

Knowing the longevity of your home components can help with planning and keep costs down.

Ten Reasons Why You Need Renters Insurance

10 reasons you need renters insurance.

How to Insure Vacation Income Property & What’s It Going to Cost:

Vacation Rental Properties Need Special Insurance to Cover the Commercial Liability Exposure That is Exlcuded From Home or Landlord Policies. It costs significantly more.

Even Movie Stars are not Immune to Bad Insurance Experiences

A brief story about Tom Hanks & Rita Wilsons bad insurance experience. (as reported by TMZ)

Know Your Liability

You can be held liable if you sell a defective product and it cause an injury. Learn the 4 key product liabiity areas

Why a good relationship with your Agent or Broker is nessassary.

This highlights the need for a good relationship with your insurance professional.

Press Releases - Insurance - Property - Homeowners

Cityscape Insurance Announces Launch, Provides Personalized Experience

CityScape Insurance believes that you aren’t just a customer, you’re family. Not only does the Phoenix area’s newest insurance agency pride itself on its extensive experience in the industry, but it also offers comprehensive coverage options tailored to your specific personal and professional needs.

Is a home warranty the same thing as a homeowner's insurance policy?

Top answer: No

Related Questions & Answers

Does homeowner's insurance typically cover termite damage?

Top answer: Rarely

Will my homeowner's insurance cover any damage that occurs during a move?

Top answer: In some cases

Would you recommend purchasing an insurance policy from a third-party before moving?

Top answer: In some cases

If a mover damages my home in some way (hole in a wall, scratch on metal, broken glass), am I responsible for the damage?

Top answer: No, never

Will window tinting increase the cost of my car insurance policy?

Top answer: No, never


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