Top 5 Reasons to Never Buy Credit Protection Insurance.

It’s hard to miss all the news about identity theft and the damage caused to some people’s credit reports. With so much reporting about identity theft con-artists have set up elaborate scams to scare consumers into buying worthless credit protection insurance. The question is, Should anyone buy credit protection insurance, or a payment protection plan, or identity theft insurance? The answer is NO: 1. Under Federal law, there is a limit of $50 liability for unauthorized use of your credit card. Check your statements monthly or on the Internet and make sure you authorized each charge. If you notice a … Continue reading →

Is Your Engagement Ring Insured?

Most people are surprised to learn homeowner’s and renter’s insurance policies don’t offer full coverage for their engagement rings or other fine jewelry. The standard homeowner or renter insurance policy usually covers jewelry theft, but not other kinds of loss. Homeowner and renter policies typically have limits for loss of some types of personal property, jewelry is one of them. The standard homeowner policy will have a set maximum limit and will usually only cover theft. If the value of jewelry exceeds coverage limits, you need to make some choices on how to manage the other risks. If you have … Continue reading →

Pet Health Insurance, Good Deal or No Deal.

If you’ve taken your beloved family pet to the vet lately, chances are good that you came home with sticker shock along with your bundle of fur! With all of the advancements in medical treatment and screening veterinary service costs have become a real investment for families interested in giving Spot or Fluffy the best! One way to help families cover the costs of veterinary bills may be pet health insurance. An insurance program that many people may have never heard of before, pet health insurance has been around for awhile, but is gaining popularity as vet bills continue to … Continue reading →

Choosing COBRA Insurance

COBRA is a program covered by U.S. federal law that allows workers and their immediate family, in certain circumstances, to maintain their employer-sponsored health insurance upon a change in employment or life status. The qualifying events include any loss of benefits in case of: The death of the covered employee Reduced working hours due to resignation, layoff, strike, medical leave, business slowdowns Separation from work for any reason other than gross misconduct Divorce or separation which terminates the ex-spouse’s benefits Dependent child reaching an age at which they’re no longer covered. The length of time you may use COBRA depends … Continue reading →

Are You Buying or Selling Your Home? Consider the Benefits of A Home Warranty.

A Home Warranty is an affordable and easy way to help make your home sale listing more attractive to possible home buyers. They offer protection to homeowners before, during and after the sale of the house. Buyers are assured their home investment is covered for mechanical failures of covered components for a full year and most warranty’s are renewable. A Home Warranty provides service coverage for the things the ordinary homeowner insurance policy considers as routine maintenance or ware and tare items. Homeowners who have home warranty coverage can be sure when there’s a problem with covered home systems or … Continue reading →

Do You Insure Your Pay Check?

Most of us insure our homes, cars, and even our lives. But what about one of the most valuable assets – Our paychecks? I don’t think anyone ever expects to become disabled or unable to work due to sickness or injury until we are faced with the situation in our own lives. We don’t plan to have an accident or a serious illness and not being able to work or run our own businesses. When it does happen Disability Income Insurance may help to insure the income our families need when we need it the most. People who have earned … Continue reading →