Insurance Policy FAQs & Basics

Does Homeowners Insurance Cover Tree Removal Costs? Find out how your homeowners insurance policy can help to cover the cost of removing a fallen tree on your property or a neighbor's property. What to Do Before Renewing Your Home Insurance Policy? Photo of Valencia Patrice Higuera Valencia Patrice Higuera What to Do Before Renewing Your Home Insurance Policy? Home insurance is a policy that protects your property from losses and damages. It’s... How Much Homeowners Insurance Coverage Is Required by Mortgage Lenders? Photo of Valencia Patrice Higuera Valencia Patrice Higuera How Much Homeowners Insurance Coverage Is Required by Mortgage Lenders? If you’re like most homebuyers, you’ll probably use a mortgage to buy a... How to Get Health Insurance Coverage Without Medicare Learn how you can still get health insurance coverage if you're not eligible for full (or partial) Medicare benefits. Health Insurance Options for Retirees Under Age 65 Find out how you can get health insurance when you're retired and under age 65--consider and compare coverage options that may still be available to you. Level Term vs. Annual Renewable Term Life Insurance: Pros and Cons Photo of Lance Cothern Lance Cothern Level Term vs. Annual Renewable Term Life Insurance: Pros and Cons Term life insurance is a popular type of life insurance policy to protect your... How Your Life Insurance Policies Affect Medicaid Eligibility & Benefits Photo of Lance Cothern Lance Cothern How Your Life Insurance Policies Affect Medicaid Eligibility & Benefits Life insurance and Medicaid may seemingly be unrelated but there is a connection that... Life Insurance and HIV: The Impact on Your Policy & Premiums Learn how HIV could affect the process of buying life insurance, especially when it comes to the impact on your premiums. High Deductible Health Plans (HDHPs): How to Choose Between Health Insurance Options Find out how high deductible health plans (HDHPs) offer health insurance coverage whilst offering access to health savings accounts (HSAs). Can You Buy a Life Insurance Policy for Someone Else? Photo of Lance Cothern Lance Cothern Can You Buy a Life Insurance Policy for Someone Else? Typically, an individual buys a life insurance policy to insure... How to Buy Life Insurance When You’re Disabled Photo of Lance Cothern Lance Cothern How to Buy Life Insurance When You’re Disabled People buy life insurance to protect their family financially in the unfortunate... Homeowners Insurance Non-Renewal: What to Do? Find out what you should do to ensure coverage in the case of homeowners insurance non-renewal, when your insurer refuses to renew your policy. Homeowners Insurance and Trampolines: Are They Covered? Find out how having a trampoline on your property can affect your homeowners insurance premiums How to Get Health Insurance Coverage When You Don't Qualify for Medicare Photo of Lance Cothern Lance Cothern How to Get Health Insurance Coverage When You Don't Qualify for Medicare Most people become eligible for Medicare at age 65. You can start the sign-up... What to Do if Your Car Insurance Policy Lapses Photo of Kevin Mercadante Kevin Mercadante What to Do if Your Car Insurance Policy Lapses If you miss paying a utility bill, you’ll be hit with a penalty charge and a... Life Insurance for Expats and U.S. Citizens Living Abroad Find out how expats and U.S. citizens should approach life insurance policies while living abroad and still providing financial security for loved ones. What to Do Before Renewing Your Homeowners Insurance Policy? If you're homeowners insurance policy is about to renew, take these steps to ensure that you maintain enough coverage at the lowest premiums. What is the Cash Surrender Value on a Life Insurance Policy? Photo of Lance Cothern Lance Cothern What is the Cash Surrender Value on a Life Insurance Policy? While term life insurance policies are simple, permanent life insurance policies... Life Insurance and Divorce: What Happens to Your Existing Policies? Photo of Lance Cothern Lance Cothern Life Insurance and Divorce: What Happens to Your Existing Policies? Life insurance helps protect your family financially should you die. It pays a... Does Homeowners Insurance Cover HVAC Systems? Find out whether your typical homeowners insurance will cover HVAC systems that integral to your home's heating, ventilation, and air conditioning. Renters Insurance and Roommates: Can You Share Coverage? Learn how to protect your belongings with renters insurance while also living with roommates, as they may affect your coverage and policy. When Should New Parents Get Life Insurance? Photo of Simon Zhen Simon Zhen When Should New Parents Get Life Insurance? When you’re a new parent or expecting to be a new parent soon, life can get... How Do Car Insurance Deductibles Work? Photo of Kevin Mercadante Kevin Mercadante How Do Car Insurance Deductibles Work? Deductibles are the amount of money you’ll pay out-of-pocket when you file a claim... Homeowners Insurance Claims: Actual Cash Value vs. Replacement Cost Learn the difference between actual cash value and replacement cost when it comes to how homeowners insurance policies will pay out your claims. What Short-Term Life Insurance Options Are Available? Learn about the different coverage options for people who seek short-term life insurance policies and how they may fit into your financial planning needs. Is Homeowners Insurance Legally Required? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Is Homeowners Insurance Legally Required? Home insurance is a type of insurance that covers damages to your home after a... How to Get Life Insurance If You're Overweight or Obese Photo of Lance Cothern Lance Cothern How to Get Life Insurance If You're Overweight or Obese People often buy life insurance to protect their family financially in case they pass... Does Homeowners Insurance Cover Termite Damage? Find out whether your homeowners insurance policy will cover the cost of repairs for significant termite damage in your home or property. Does Homeowners Insurance Cover Repairs for Foundation Damage? Find out whether your homeowners insurance policy will cover foundation damage and the associated repairs based on the perils and cause of the damage.