So you’ve just landed your first apartment and you’re thinking about all of the different services you need to go out and purchase. You have to think about WiFi and cable, water and sewer services. However, you also need to think about insurance for your apartment, which is called renter’s insurance. This kind of insurance is important to make sure that your belongings are protected and you are covered for living expenses should something happen to your apartment you can can no longer live in it. This could be thanks to a fire, a hurricane, and some other kind of disaster or tragic event.
Here are three things to consider when insuring in Florida! Remember, insurance prices and policies changer per state, so be sure to read them through!
1. Think about the coverage amount
Remember, in the event of a natural disaster, renter’s insurance is meant to help you cover the cost of what belongings you’ve lost. The same goes for an accident or theft, as well. When you are trying to determine your policy amount, think about how much all of your belongings are worth and try to create a complete inventory of what is in your apartment. This is just one of the many things to consider when insuring in Florida.
2. Know what the policy is covering
For the most past, a natural disaster counts as something that is covered by a renter’s insurance policy. If your apartment became uninhabitable thanks to a hurricane, you would be covered. However, you really need to read through your policy options with a fine-tooth comb, as some smaller insurance companies might not cover you if your apartment is wrecked thanks to an earthquake or a flood.
3. Try and bundle your policies
If you’re looking for renter’s insurance and have a car, first check into how much you would have to pay the company that’s supplying your auto insurance. Many companies offer all different kinds of insurance, such as auto insurance, life insurance, home insurance, and motorhome insurance. If you bundle, it can end up costing you much less than if you went with another insurance company.
Do you have any other suggestions for those looking to buy renter’s insurance for an apartment in Florida? Write it in the comments below!
In our previous post, we explained some common life insurance mistakes to make sure to avoid. Choosing between life insurance policies and talking to different life insurance companies can be overwhelming, scary, and bring out the fear of the unknown, but if you follow these tips there is nothing to worry about.
Here we continue our list to make sure you choose the right policy for you and your family.
Mistake: Picking a policy based only on price.
It can be tempting to pick a policy because it is cheaper, but this can easily backfire in the long-run. When it comes to life insurance, choosing the cheapest option is not always the best idea. While it can be hard for you to justify an expensive price for something you may never see, it is important to consider your family after you pass on. You will want to do what’s best for them and ensure they are protected, and the cheapest policies won’t do that.
Mistake: Purchasing a policy with premiums that increase over time
In a perfect world, there would be life insurance policies that have a level premium. But this isn’t always the case, and sometimes premiums increase over time without you knowing. This can lead to financial problems if you are not on top of your policies. So it is best to every month or so, check on the rules and regulations of your policies to see if your premiums are increasing without your life insurance company telling you. As always, when picking a plan, you will be able to sign up for alerts and notices that will let you know if anything changes.
Mistake: Not shopping around
To ensure that you pick the best policy, you’ll need to look at factors other than just the price. You’ll want to choose a life insurance company that will work with you and will be able to keep you in the loop. Shopping around and getting price quotes is a good place to start and then you’ll be able to see first hand what exactly you have to work with.
As long as you prevent these mistakes from happening, you will be prepared to choose the right life insurance plan for you and your family. If you have any questions, please do not hesitate to ask our professionals, we’re here to help!
Cancer is a trying time for anyone, but if you or a loved one are trying to navigate the complicated cancer treatment process while on medicare it can be especially difficult.
In the first part of our series of posts on medicare and cancer, we discussed financing your treatment with medicare A and B. In this second part, we’ll dive into medicare C and D.
Medicare Part C or Medicare Advantage
Medicare Advantage has a number of different benefits (dental, hearing, vision), there is little difference in what cancer treatments are covered. In addition, these private plans might even restrict which doctors and hospitals you are able to visit, so it is important to do your research thoroughly.
The is one possible advantage — although it is highly dependent on the terms of each individual plan. Medicare Advantage might reduce the out of pocket cost for the medical procedures covered by Part A and Part B.
Medicare Part D Coverage
Part D is designed to alleviate some of the burdens of prescription drug costs. This plan can be purchased either on its own or in addition to a Medicare Advantage plan. While these plans will not cover every single prescription you might need, they can greatly help take the financial pressure off your or your loved one.
One issue that you might experience with Part D, especially if you need many prescriptions, occurs when you have reached the limit of your initial coverage. During this period of time, you will need to pay a higher percentage of the medications cost. While there are a number of steps you can take to limit your costs during this time, there is little you can do with this plan but wait until you have reached the next phase of your insurance, called the catastrophic coverage phase, which requires a small co-pay and lasts until the end of the year.
Medicare is a very popular program: as of 2015 there were 55.7 million Americans enrolled — that’s up from 39.7 million in 2013. In fact, experts at the Commonwealth Fund expect that it will grow to cover 81 million people. But that does not mean the program is all inclusive.
In the third and final part of these series, we will examine the various medicare supplement insurance plans and cancer care insurance, and how they can help you and your loved one.
Would you like to purchase insurance for this package? When you are getting ready to ship items to your friends and family members for holidays like Valentine’s Day and other special events it is pretty easy to find affordable insurance options:
- Acorns to your aunt who lives in Maine.
- Booties that you crocheted for your newest niece.
- Christmas gifts for your neighbors from the old neighborhood.
- Dresses that you found on sale at your favorite boutique. You know your college age daughter will love them.
- Elegant vintage jewelry pieces that you want to lend to your granddaughter for her senior prom.
- Fish food for your grandson?s new aquarioum.
- Glasses to replace the ones your daughter broke at her college volleyball practice.
- Hats and gloves that you knitted for your daughter?s neighbor.
- Individually framed photographs of your mother in her wedding dress. They are gifts to all of her grandchildren.
- Joke books for your nephew who wants to try to put a comedy routine together for his school?s talent show.
- Kites for your daughter?s first grade classroom. She is teaching her students about dfferent kinds of wind and has told them that envelope kites can fly with just the slightest winds.
- Little holiday window clings for your best friend from high school who is in the hospital recovery from a surgery.
- Money and gift cards so that your newly married daughter and her husband can celebrate their six month anniversary.
- Notes for every day of the week from now until your oldest son gets to come home from college.
- Old sheet music that you found when you were cleaning out your grandmother?s house. You know that your piano teaching niece will be excited to play these pieces.
- Pottery pieces that you made yourself. They will make perfect planters for your old neighbor who first taught you how to repot plants.
- Quaint little figurines that remind you of the toys you and your sister played with when you were little.
- Red hand sewn Christmas sockings for your daughter?s first apartment.
- Shoes that you found when you were shopping for your son who is starting his first full time job after graduating from college.
- Tiny little beads that you worked into handmade bracelets. You found a store on the west coast that is willing to sell them.
- Ugly Christmas sweaters that you created for a shop in downtown New York.
- Very old books and maps that will make perfect decorations for your sister?s new bookstore and coffee house.
- Wrestling shoes that were your good luck charm the year you won the state title. Your nephew is starting his first year of high school wrestling.
- X-tra insurance on family heirlooms.
- Yellow quilted pillows for the guest room in your grandmother?s new assisted living apartment.
- Zoo passes and three stuffed animals that you are giving to the family that just moved into your grandmother?s old house.
Finding affordable insurance can be a challenge if you are a high risk driver or live in a location that is known for tornadoes, hail, or flooding. And while it might be easy to find affordable insurance rates when you decide to ship items across the country to friends and family, the same is not always true for home, car, and life insurance.
Although the decision to purchase property insurance and homeowner insurance is more complicated than deciding to pay a small fee at the post office for package insurance, it is still very important to make sure that you have the coverage that you need. By asking for free insurance quotes from a number of agencies you can make sure that you are making the decision that is in your best interest.
Although the decision to get insurance on a small package that you are mailing across the country can be fairly inconsequential, other insurance decisions should not be taken so lightly. For instance, most experts say that you should keep insurance on a car at all times. Any gaps in coverage are a sign to companies that you may be a risk, so it is wise to never let your car insurance lapse. Likewise, it is important to have homeowners or property insurance. Did you know, for instance, that while 95% of homeowners had homeowner’s insurance, only 37% of renters had renter’s insurance? Finding affordable insurance, even if you are renting, is a wise, responsible decision.
Do you need help choosing a health plan? With the United States seeing its healthcare policies in constant flux, it helps to know your options when it comes to getting the basic care you need to stay healthy and happy. Choosing a health plan means balancing your budget, exploring your unique needs and pinpointing the proper care necessary to make sure you’re covered no matter what happens. If you’re not sure what the best medicare supplement will be for your lifestyle or simply want to know more about the most common health issues facing modern Americans today, take a look at the list below to get started.
One of the most common issues facing American adults today is that of diabetes. In fact, one in three American adults has pre-diabetes and most are unaware of it. It’s essential to visit with your regular doctor to determine if you have lifestyle or genetic factors that could have you predisposed toward this condition.
Did you know nearly 85% of people over the age of 65 will die from heart disease? This debilitating condition is caused by a variety of factors, including genetic predisposition, stress, smoking and age. Heart disease can lead to instances of heart attack, as well, and can be better staved off with preventative measures, regular check-ups, lifestyle changes and an ongoing, healthy diet regimen.
A healthy diet is one of the best ways to secure a healthy body and a healthy mind. Different age groups require different needs, however, with the Institute of Medicine Dietary Reference Intakes recommending at least 21 grams of fiber per day for women over the age of 50 as well as 30 grams of fiber per day for men in their later years. Age can contribute to loss of bone density, hormonal fluctuations and vitamin deficiency. Because of this supplements can be helpful in a healthy diet as well, ranging from hormonal to basic vitamins.
A frequent issue faced by thousands of Americans every year is that of breast cancer. Thanks to a survey conducted by The State Of Aging And Health In America, a mammography screening conducted every two years for women over the ages of 65 has been shown to significantly reduce breast cancer-related deaths. While a self-check can be done in the safety of your own home, it’s essential to have a professional eye assisting you on a regular basis.
The United States is home to a rapidly aging population. It’s estimated that, by 2050, Americans over the age of 65 will number nearly 89 million across the country. As a result healthcare plans will have to go through significant changes to meet the needs of elderly populations as well as those with disabilities or chronic illness. Today, more than two-thirds of all health care costs are for treating chronic illnesses or diseases.
Choosing A Health Plan
Everyone has different needs when it comes to applying for a life insurance plan. Life insurance policies can be purchased at almost any benefit increment in the United States, from as little as $10,000 into the millions. While two in five Americans over the age of 65 have employer-based healthcare coverage, this is not the reality for the majority of the population. Six in 10 Americans, according to a survey conducted by The Commonwealth Fund, say that Medicare is working well and meeting their needs. Consider applying for a Medigap plan to supplement your own health insurance, such as emergency room visits or out-of-state travel expenses, to ensure you’re never wanting for assistance when you need it most.
Are you currently thinking about what you need in terms of insurance? If so, you may already have one or more of these insurance types:
- Car insurance
- Homeowner’s insurance
- Life insurance
- Property insurance
- Renter’s insurance
When you initially looked for life insurance, you probably contacted several insurance companies to determine how to get insurance coverage. At that time, you likely requested life insurance quotes.
With your home insurance, you probably asked for free insurance quotes on affordable home insurance as well.
In 2014, ORC International conducted an Insurance Information Institute poll. The information they obtained revealed that 95% of homeowners polled had homeowner’s insurance. It was also found, however, that there weren’t as many renters with renter’s insurance, Only 37% of the renters polled had this type of coverage.
Most home insurance policies will cover home damage that results from storms. This includes damage caused by heavy hail, tornados, and high winds. Additional coverage is usually needed for flood and earthquake coverage, however.
Have you taken an inventory of your possessions? This is needed when you insure your home against theft and damage. When polled, approximately 50% of homeowners stated that they had made an inventory.
While this process may be time-consuming, it’s important to have an accurate list of your possessions prepared. This can be accomplished in a variety of ways, such as with photos and in account books. You can also ask the company with whom you have insurance for their recommendations.
When you purchase a new policy, it’s important to find out what is and isn’t covered. This is one of the many situations where knowing all the details is essential. You want to be certain that you’re covered for a variety of situations, even though they may never occur. In 2012, for example, just 7.2% of homeowners actually filed a claim.
Once you have decided that you need additional insurance services, the insurance company can provide you with all the information you need to choose the right policies for you and your family. Whether you want additional homeowner’s insurance or life insurance quotes for you and your spouse, your insurance services company will be able to assist you with this.
Do you have affordable auto insurance? If you feel you’re lagging behind on your car’s coverage it’s time to start looking up your local insurance services, as a vehicle that doesn’t have a back-up plan is going to feel the pain if you get into an accident or have to pay off a speeding ticket. This, of course, extends to owning a home or renting an apartment. When a disaster can strike at any time and leave you financially stranded, insurance is there to help you get back on your feet again in no time. Below is a simple list of the benefits affordable auto insurance and additional insurance services can offer you in your day-to-day.
Why Should I Have Car Insurance?
Affordable auto insurance is a must if you own a vehicle. Buying and maintaining a car is expensive enough without adding speeding tickets, accidents and repairs to the mix! Try not to have gaps in your coverage, either — this is a sign to insurance companies that you’re an at-risk customer, so the more your affordable auto insurance sticks around the better. Private insurers can pay an upwards of 50% of all motor vehicle crash costs, which is no small sum when you could have additional medical bills and court fees to attend to yourself. Even getting a speeding ticket can be mitigated if you maintain a form of affordable auto insurance.
What If I Get A Speeding Ticket?
If you find yourself being charged for a speeding ticket, a good record with your car insurance will do wonders. Each speeding ticket you receive will raise your auto insurance rates, with young people between the ages of 16 and 25 having some of the highest rates around, but good behavior will go a long way. Many affordable auto insurance companies will offer discount rates to drivers who maintain a safe record throughout the year — according to Cars Direct, some insurance companies will give specific discounts to drivers of hybrid vehicles due to ongoing research revealing they are less likely to be in an accident.
What About Home Insurance?
Insurance covers more than just vehicles, offering you peace of mind concerning your house or apartment all days of the year. Surveys have shown only 7% of insured homes had a claim back in 2012, showing little sign of change in recent years. A 2014 Insurance Information Institute poll conducted by ORC International discovered that over 90% of homeowners bought homeowners insurance but only 35% of renters had the same equivalent. If you’ve ever found yourself worrying about the aftermath of a break-in or a fire, consider putting this on your to-do- list.
What Does Home Insurance Do For Me?
Anything could happen, so you’ll want to be prepared at all times. Homeowner’s insurance and renter’s insurance offer you a variety of fallback in case of an accident — these include, but are not limited to, tornado damage, floods, hail, burglaries and fire. However, not all insurance is built the same and you’ll want to double-check your particular company to make sure it has all your bases covered. Earthquakes and floods generally require additional coverage, for example, and your unique location can attribute to some policies offering different specifics than others.
Where Do I Start?
If you want to save money and maintain peace of mind, you’ll want to start looking up free insurance quotes to see where you stand. Affordable auto insurance is essential if you own a vehicle, protecting you from the fallout of potential accidents while offering you discounts for consistently safe behavior. If you own a house or rent an apartment, consider checking out home insurance companies and seeing what they can offer you monthly or yearly. You’ll want to keep an inventory on hand to better help your items be replaced if they’re damaged or stolen, as well. What form of insurance are you thinking of signing up for?
The vast majority of Canadian businesses are made up of small businesses comprised of between two and 100 employees. For smaller companies, group benefit plans are more feasible, although many small business owners in Canada are worried about the cost per employee of employee benefit services.
However, in most of Canada, health care costs are paid through funding from income taxes. In spite of this, just under a third of all Canadian health expenditures come from private sources, meaning both insurance and out of pocket payments. When a company provides an employee benefit plan that involves supplemental health insurance, it means that employees can rely on the benefit plan to pay any leftover costs not covered by the government.
Though Canada has a publicly funded medicare system, there are still times Canadians have to pay for medical work. Though many companies cannot afford a good benefit plan, there are many companies who can, as there are a bevy of solutions to choose from. When a company can find good group benefit plans, it means their employees are better taken care of.
Car insurance might seem like a one size fits all purchase, but that isn’t true. Depending on what kind of car you have, your needs will be different and your price might change. Whether you’re looking for classic car insurance or cheap first car insurance, there are options available. So it is important to research your options before going with the first insurance company you see. Cheap easy car insurance can be found online. Many companies will allow you to get a free quote on their website before you make any decisions. So you can shop around and make sure that your cheap insurance cover what you need it to. Sometimes you might need to pay a little more, but other times you could be overcharged and not realize it. If you’re looking for insurance, talk to friends with similar cars and situations to see what insurance they use. Then you can also find agencies online. Cheap insurance for your car is out there, but you have to do the research in order to find one that will work for you.
It’s required by law to buy auto insurance, but just because you have to do it doesn’t mean you should skimp out on it. In fact, just the opposite is true. It’s incredibly important to buy auto insurance (hence why the law requires it), because it protects you, your loved ones, your property, and any other parties who may become involved in an accident. This means that you shouldn’t worry about how to get auto insurance cheaply, but rather how to find good insurance.
So, to help you buy auto insurance, here’s a few tips!
1. You Can Buy Auto Insurance Online.
Many underestimate how valuable this option can be, though it’s increasing in popularity. According to a Internet marketing research company ComScore, in 2011 just 20% of new car insurance policies were purchased online, when compared to the 43% purchased through an agent. However, there was a five percent increase from two years earlier, while the number of policies purchased through an agent decreased by six percent. Not to mention the fact that a survey by J.D. Power and Associates showed that the majority (54%) of new policy owners applied for a quote online.
2. Shop Around.
One of the biggest benefits of going online to buy auto insurance is that you can quickly, efficiently, and easily compare rates. The same policy can cost very different things between companies based on factors such as how much they spend on advertising, commissions, or risk levels. There are aggregator sites available that can search the most popular auto insurers simultaneously, and deliver all of the results on one page for an easy comparison of rates.
3. Don’t Shop Just by Price.
As mentioned earlier, looking for the cheapest policy is no way to buy auto insurance. You want the maximum amount of coverage available for the most affordable cost. If this means spending a little bit extra every month, so be it. You’ll be more than happy that you did in the event of an accident.
If you keep these three tips in mind when you buy auto insurance, you’ll be sure to get find a highly valuable policy. If you have any questions, feel free to ask in the comments. More on this.
In the United States, one of the most common types of insurance is car insurance. There are a couple of reasons for this. First, has to do with the sheer number of cars in the United States, an estimated 245,000,000 vehicles. Second, all states, with the exception of Virgina and Mississippi, require that drivers have at least some kind of car insurance.
There are a few different kinds of car insurance. The most basic car insurance is known as liability coverage. It covers damages for bodily injury and property damage for which the insured driver is responsible. However, it will not cover damage caused by another driver or thing. However, this kind of insurance is fairly limited. Many drivers want more extensive coverage.
Hence there is collision coverage. Collision coverage is designed to coverage for vehicles involved in collisions, subject to a deductible. Collision coverage will pay for a car to be repaired, or pay the cash value of the vehicle if the car is not able to be repaired.
Comprehensive insurance, as the name suggests, covers all of the other kinds of accidents that may befall a car, like a tree falling on a car for example. It too is subject to a deductible. Together, these three kinds of insurance are refereed to full coverage car insurance. While other kinds of car insurance exist, like rental insurance, these are considered separate from full coverage car insurance.
If you are looking for car insurance in Rochester NY, then you can contact an insurance agent. Another good idea if you are not sure how to choose car insurance is to go online. There internet is a great resource to find quotes for auto insurance. You can even compare quotes from different car insurance companies. More can be found here.