Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
Great apps and resources that can help make you the master of headache-free pickups and dropoffs.
Just had our son's 7th birthday party there yesterday, and, to put it mildly, we were impressed... and all the kids loved it there (as the name would suggest). It totally surpassed our expectations. To be honest, we didn't know WHAT to expect, especially since there were so many different activities planned, some of which may not have appealed to all the kids. These misgivings were entirely misplaced: from the moment the kids arrived, they were engaged in the terrific play area, with the inflatable jumper, to the rolling foam rides (expertly staffed by three very "into it" Party Helpers), and much else besides. After nearly an hour, they transitioned to the lego-building (this was the party theme), mask-making, and play-tattooing activities; we weren't sure the kids would take to it, but they were completely enthralled, and didn't want to move, even for lunch! They finally transitioned into the dance room, and went crazy dancing to a CD we brought with us, with songs we'd put together for the occasion. The owners have a nontrivial list of regulations, meant to ensure that the kids are kept out of harm's way, and we'd thought they might be somewhat sticky about altering things. It was the opposite: we always felt that it was OUR party, and they were there to make it a success. They helped put up extra decorations, switched around the order of some activities, served whatever we brought, and had more than enough of everything on hand to accommodate all the kids (about 30) and as many adults as were attending them. Everyone was cheerful and professional, and the place was spotless (commented on by several of the parents, in fact). Yes, the party was pricey, nearly $1000 with everything added in (helpers, party favors, food, etc.), but it was TOTALLY worth it. We'd had his prior parties at museums and such and, while the kids enjoyed themselves there, they did not *interact* with one another. Here, we felt the kids were getting to spend time with one another, and with our son. Not having to shop for plates, forks, napkins, hats, party favors (I could go on), or having to CLEAN UP... it was all a huge time-saver and stress-reducer. But the most important part was this: the kids obviously had a blast. We kept taking video to see them frolicking about. Again, we were uncertain about how it would go over, but, after it ended, we said to one another, "well, that really went amazingly well, didn't it?" We'd have his party here again in a heartbeat.
Celebrated my child’s sixth birthday here and the party was a huge success. From start to finish everything worked out very well. The place was very spacious and colorful with many different types of play equipment and toys. The manager was very helpful and the staff courteous with a smile always on their faces. From sending invites to paying attention to the kids and keep they loaded with lots of fun activities to help with the set up for lunch and the cake cutting and photos everything was done very professionally. This was one party where we the parents and hosts actually had time to socialize amongst ourselves rather than attend to the children. We just got the food , cake and juice and there were plenty of plates, cups and accessories provided by Kidz Luv It Here for our guests. The staff here took care of everything. The children had a really enjoyable time; every child there was very happy you could see it in their faces. Only problem was towards end of party no one wanted to leave but we requested and got an extension and went back home with some very fond memories and many many beautiful photographs
Held my daughter's 9th birthday here and it was fantastic. We booked their diamond package Tote bag decorating Art Party coupled Hawaian Hula Theme and also took party favors and face painting. . The Kids really loved the place and were so happy with the Tote Bags they made. Very beautiful and good quality. Also there was a nice play area and a dance studio for the Hula dance so there was so much for the kids to do and enjoy. The adults also had a great time having the bufffet ffod we got in the comfortable lobby are. Cake cutting was a great photo opportunity. Cleary the best place for Birthdays in Bay area.
This is the best place in Bay Area for childrens Birthday Celebrations. An independent upscale place with nice cool ideas and themes for children. I tried their Tote Bag Party for my older child and their Play Party for my younger one. They customized the whole birthday package for me and it was an instant favorite when all the children came to the party. I recommend this place to the parents. Try out their Art Project Parties for your older ones and Play parties for your younger kids, they will give smiles and happy faces to your children and their friends for sure!
Excellent service - there are 4 or 5 agents working in the office. They are very friendly; professional (and dress real nice). I met the Agency Principal, Josh-Binh Nguyen, he is clever - very fast & funny too. I was greeting us with water & candies fr my two children. Thank you for taking your time to explaining the overage we need & also offer us an affordable life insurance as well. I recommend the this agency to my friends & family. You would need to visit them to believe what I say.
Best customer service I ever had from an insurance office. AJ and his team are the best in the business... He helped me set up all of my insurance, including my house, my cars, the umbrella, and most important, the life insurance policy. I am also looking to retire soon, and AJ will be helping me roll my 401K over since his background was in investments. So glad that I met this office and the way they treated me as family, it really felt warm to my heart. Thank you AJ, I highly recommend him...
Wonderful kid friendly place to host childrens birthday parties.....A really different and special venuel. Nice toys and equipments geared for children of various age groups. Children would love to come to this spot again and again I am sure. I hosted my child's birthday party here. They do a lot of fun stuff with the children and make them feel special. I like this venue and recommend parents to definitely try out this place for kids classes and birthdays.
I bring my child regularly for the wekend Art Classes and am very pleased with the quality of the class. Excellent facility and good instructors. Also my friend hosted her daughter's birthday party here and it was excellent with lots of activities for the kids and great party leaders. They have a great play area along with the Art studio and Dance studio and my friend got the entire facility for exclusive use by her guests.
AJ is very carring and passionate about helping people. He knows Financial services and insurance really well. He helped us make sure that there was no gaps in our insurance coverage, and he also protected our family with the right life insurance product that was necessary just in case the worst did happen.
Excellent Birthday Party Place. This place is really fantastic for Themed Birthday Parties. Lots of Games, Activities, Dance, parades and cool stuff for kid. I went there with my 5 year old and 8 year old for my firend's daughter's birthday party and both my boys really enjoyed along with the other kids.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.