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.
Home security comprises a number of different technologies, tools and techniques. Choose one that fits your needs and your budget.
I wanted to setup my own ice-cream parlor. However, the issue was that I lacked funds. I was aware of the concept of online funding so I decided to give it a try. I searched online and came across the site WO funding. I decided to try the website. I read the testimonials and they gave me confidence to go ahead with the site. I knew quite well that if things go well then I can really dream of having the most lavish ice-cream parlor in town. I started preparing my campaign and put in my ideas in the best possible way so that people could find my campaign interesting. I went through the several training tools that comprised of documents and audio files. After going through the training tools I brought significant improvement in my campaign. The thing I kept into consideration was that I did not keep very high fund targets. This greatly helped me because I adopted the realistic path so I had to encounter less issues. When I had done my homework on the campaign I kept my fingers crossed because I knew now was the time to wait for the results. Gradually I felt that people were getting inclined towards my campaign and it was experiencing an uplift. The best part was that I was able to gain the funds faster than I had expected. I have to yet to experience a platform more effective than this. I have learnt from my experience that if you want to excel then the clue is that your campaign should be flawless and this is the strategy that I worked on and the results were remarkable. I would suggest everyone to go through the video tutorials. You will learn the maximum through this. Another good idea is to opt for any workshops if available. All these things will surely help you out in getting better results. It would obviously not be a smart approach to just randomly start preparing your campaign. The gradual approach will surely help you. My project has been so successful that I am thinking on the lines of opting for wofunding for my future projects as well since my efforts have really paid off and I have been able to get the result I always wanted. This is definitely the right approach and can give you the output that you have been looking forward to quite some time. I did not even find the sign up process complex and things went out the smooth way. Everything is laid out in a way that even a novice user can manage all the affairs without encountering much of a problem. Therefore, it is better to try out a reliable platform like wofunding to give your business the boost you have been looking forward to. Moreover, this is a fast way to gather funds because if you try out other means you would not be able gain funds that easily. Therefore, opt for the smart approach opt for wofunding. For further Discussion Contact us: http://wofunding.com/.
I am a painter by profession and I wanted to set up my own art gallery. It is obviously not an easy job as this requires a lot of funds. I used many different sources for funding and I could not get the desired result. One day I decided to surf the internet on my own and figure a way out. I came across the concept of online funding sites. This idea interested me and I decided to dig down more into it. I came to know that the online funding sites were one of the fastest ways to gain funds online. However, the next question that hovered my mind was that which site I should be choosing. I decided to opt for wofunding since I read positive testimonials on the respective site. Now the next problem that awaited me was that I am not a technological person and I am not very well versed with complex signup details. However, to my utter surprise I was able to manage my signup with the wofunding platform without much of a trouble. The reason is that everything on the website is self explanatory and the user does not have to go through a lot of trouble. I clicked on the sign up option and entered my basic details and my sign up was complete. This was quite a fast process and solved half my problems. When I moved towards campaign creation everything was as easy as a piece of cake. I just had to choose the category and set my fund target. I just had to enter my campaign title, my campaign description and some basic credentials and the initial structure of my campaign was ready. I was pretty impressed by this fast and simple mechanism because obviously an artist like me is not a computer wizard. I gradually modified my campaign and improved it. I put my best work picture as an image for my campaign. The most surprising element was that I started to see the results sooner than expected and the funds started to pour in it. It was very surprising for me that if I could put my ideas effectively that could gain the attention of so many people. You would be surprised to know that now I have gained significant funds to materialize my dream of having my own art gallery. The social media integration of my campaign has also given me a lot of popularity and I know things will get better. I want to have a great exhibition as well once my gallery is ready and I will be using wofunding to gain funds for that as well. I am now of the opinion that online funding is the fastest way to gain significant amount of funds and we should make use of this opportunity rather than knocking every second door and facing disappointment every now and then. This is called smart planning and failure will certainly not knock at your door when you plan things the right way. For more detail contact us http://wofunding.com/.
I was recommended to contact Shawn at Prosper Insurance by a good friend of mine, who also happens to be my Realtor, while looking for Home Owners Insurance. Since my husband and I are first time home buyers, and I am the one doing the "hard work" of getting all the paperwork in order, I was a little overwhelmed with all of the information out there. Shawn was wonderful and worked amazingly fast to get me not only Home Owners Insurance quotes, but quotes for Auto, Flood, and Term Life Insurance as well. I called the company my husband and I have been using for the last 4 years as our insurance provider (renters, auto and life) to get a Home Owners Insurance quote from them and spent a lot of time on the phone and felt like I was being sold something. The quote wasn't that much better or worse from what Shawn had given me, but since Shawn had gone out of his way to get quotes for those 3 policies on top of the Home Owners, we decided to go with him (plus the rates and policies he gave were better than what we currently have). Shawn is very easy to talk to, explains things well and makes sure all of your needs are covered, all without making it feel like a sale. He is easy to reach via phone and email. I have also been in contact with his co-worker Peter about getting a more specific Life Insurance policy quote (which,when bundled with our Auto coverage, will help our Auto Insurance rate go down). Peter also explained things very well and since I have never in my life shopped for Life Insurance, I felt very comfortable talking with him. All in all, the folks at Prosper Insurance Group seem like a well rounded, level headed group that don't make you feel pushed into a sale and I would highly recommend at least calling them for a quote or estimate.
After moving to Virginia, we needed to find a new insurance agent. We knew no one here so I just googled insurance agents that represented the same company that we had in Ohio. We hooked up with an agency that at first seemed competent and friendly. While they continued to be friendly, the competence became an issue. Within 6 months, our insurance file became over 1" thick with all of the changes and paperwork that we got. It was information overload and so confusing for us!. I met Jessica through a networking event. She was clearly passionate about insurance and saving her customers money. I contacted her and dropped our enormous file off at her office for her to review. Within a couple of days, she had weeded through the file and had a recommendation for us that not only increased our coverage but also saved us a substantial amount of money. Since then, we have had to contact their office several times and all have been positive experiences. Jessica and the receptionist have taken time to answer questions, help with claims, and also provided recommendations for us for to make small changes in our coverage to save money. Jessica's extensive knowledge of property and casualty insurance, coupled with her passion for her job has made working with her agency a very positive experience!
I was able to get multiple policies with Prosper Insurance: Umbrella, Auto Insurance, and Home Owners Insurance. Joel was able to quickly respond to my questions and offered me an accurate quote within a few hours of calling. He works extremely efficiently and was completely transparent in what everything means. I had him review some of my old policies and he was able to fully explain the differences in our current and old policies. I referred Joel to another one of my friends that is also closing on her house for homeowners insurance because of their competitive rates and transparency with their coverages and rates! I highly recommend Joel as he has been extremely helpful in this process as well as Prosper Insurance Group!
Ashley Latimer was my life saver and I'm not kidding. We were drowning fast, she saved us almost $2200 a year between our hazard and flood insurance (that won't even be required when the new Flood panels are "official") I was ready to pull my hair out after fighting with my mortgage company, FEMA and the City for months. Then Ashley Latimer with Prosper Insurance Group came along and eased all my worries, pretty much saving me from going into foreclosure with what my mortgage payment would have been. I couldn't be more grateful, I tell everyone I know about Prosper Insurance Group now and how ASHLEY LATIMER ROCKS!!!! :)
Cheeks Insurance Agency always exceeds all my expectations. I am confident that you will be abundantly satisfied when you contact Willie and his staff for Insurance! I never thought buying Insurance could actually be enjoyable but Cheeks Insurance always finds a way to save me money and what is more enjoyable than reduced rates and more money in my pocket! I trust Cheeks Insurance so much that I have my Car, Home, and Life Insurance policies with them. I am confident that you will be happy with them too! Call them and start saving today!
After struggling with companies who didn't have the knowledge to advise me on my financial situation, I stumbled over Matt Abbott State Farm. Not only did I receive expert advice on my homeowners and auto insurance coverage by Jessica, I also invested my 401k into a mutual fund Matt. I have never met a more knowledgeable staff nor have I ever have had such an enjoyable insurance experience. I highly recommend this office and it's staff!
I have never had a more wonderful experince when dealing with insurance. I came from a Nationwide office before switching to Matt Abbott State Farm. Not only was I greeted with appreciation I really felt I had an experinced team on my side. Since switching, I have spoke with everyone in the office and have found nothing but proffessionalism and a wonderful sense of family. I would recommend this office to everyone!
I was very impressed with the professionalism of the agents at this location. I bundled my car insurance with my home and saved 20% on my home. That lowered my mortgage payments by $200 a month. Highly recommend if your home is already with state farm adding your cars. I have had no issues with State Farm. I have been with them since I purchased my home and plan to stay with Mike McDonald.
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.