Insurance Policy FAQs & Basics

Valencia Patrice Higuera Does Homeowners Insurance Cover Tree Removal Costs? A home insurance policy covers different types of damage to a home. Although these... What to Do Before Renewing Your Home Insurance Policy? Learn what you need to do when it comes time to renew your homeowners insurance policy, especially reviewing everything to ensure proper and adequate coverage. Valencia Patrice Higuera How Much Homeowners Insurance Coverage Is Required by Mortgage Lenders? Find out how much homeowners insurance coverage will be required by mortgage lenders, who will want to protect their investment in your home loan. Valencia Patrice Higuera Lance Cothern How to Get Health Insurance Coverage Without Medicare Most people become eligible for Medicare at age 65. You can start the sign-up... Lance Cothern Health Insurance Options for Retirees Under Age 65 Retiring before you turn 65 can be a great accomplishment. If you’ve retired early... Level Term vs. Annual Renewable Term Life Insurance: Pros and Cons Compare the pros and cons of level term life insurance and annual renewable life insurance to determine the best policy to Lance Cothern How Your Life Insurance Policies Affect Medicaid Eligibility & Benefits Find out how your life insurance policies might affect your eligibility for Medicaid health coverage. Lance Cothern Lance Cothern Life Insurance and HIV: The Impact on Your Policy & Premiums According to HIV.gov, 1.2 million people in the United States are living with... Lance Cothern High Deductible Health Plans (HDHPs): How to Choose Between Health Insurance Options When it comes time to pick a health insurance plan, you've probably come across a... Can You Buy a Life Insurance Policy for Someone Else? Find out if you can buy a life insurance policy for someone else based on any potential insurable interest you may have if that person is no longer around. Lance Cothern How to Buy Life Insurance When You’re Disabled Learn how people with disabilities should consider when buying life insurance, especially when dependents' financial livelihoods are at stake. Lance Cothern Valencia Patrice Higuera Homeowners Insurance Non-Renewal: What to Do? If you own a home, you likely know the importance of homeowners insurance. This... Valencia Patrice Higuera Homeowners Insurance and Trampolines: Are They Covered? Jumping on a trampoline is a great way for the entire family to burn off energy... How to Get Health Insurance Coverage When You Don't Qualify for Medicare Find out how you can get health insurance coverage when you do not qualify Medicare in the traditional ways. Lance Cothern What to Do if Your Car Insurance Policy Lapses Find out what steps you should take if your car insurance policy lapses and obtain coverage as soon you as can before driving again. Kevin Mercadante Lance Cothern Life Insurance for Expats and U.S. Citizens Living Abroad Expats and U.S. citizens living abroad have reasons why they chose to live outside... Valencia Patrice Higuera What to Do Before Renewing Your Homeowners Insurance Policy? Home insurance is a policy that protects your property from losses and damages.... What is the Cash Surrender Value on a Life Insurance Policy? Find out what the cash surrender value means in relation to your life insurance policy and the different ways that it can affect your policy and your finances. Lance Cothern Life Insurance and Divorce: What Happens to Your Existing Policies? Find out what happens to existing life insurance policies for couples that get divorced, including how to maintain coverage for their beneficiaries. Lance Cothern Valencia Patrice Higuera Does Homeowners Insurance Cover HVAC Systems? Your HVAC system helps your home maintain an ideal temperature. It keeps it cool... Valencia Patrice Higuera Renters Insurance and Roommates: Can You Share Coverage? Whether you’re renting a house or an apartment, it’s important to get coverage... When Should New Parents Get Life Insurance? Find out when new parents should start thinking about life insurance coverage to protect their children, financially, in case the worst happens. Simon Zhen How Do Car Insurance Deductibles Work? Find out how car insurance deductibles work when it comes to the claims process and payout. Additionally, see how they might affect your policy and premiums. Kevin Mercadante Valencia Patrice Higuera Homeowners Insurance Claims: Actual Cash Value vs. Replacement Cost Home insurance is a vital type of policy that protects your house from losses and... Lance Cothern What Short-Term Life Insurance Options Are Available? Life insurance can provide your family with a financial safety net should you pass... Is Homeowners Insurance Legally Required? Learn about the legal requirements when it comes to homeowners insurance and coverages that are designed to protect your finances from unpredictability. Valencia Patrice Higuera How to Get Life Insurance If You're Overweight or Obese Learn about the process of getting life insurance if you're overweight or obese, as it will have an impact on your eligibility, premiums, and coverage limits. Lance Cothern Valencia Patrice Higuera Does Homeowners Insurance Cover Termite Damage? Termites are destructive pests that feed on wood. Although small, these insects... Valencia Patrice Higuera Does Homeowners Insurance Cover Repairs for Foundation Damage? Homeowners insurance protects your home against worst-case scenarios. It’s a... Are Homeowners Insurance Premiums Tax-Deductible? Find out whether homeowners insurance premiums are tax-deductible and what other tax deductions may be available in relation to homeownership. Valencia Patrice Higuera