Insurance Policy FAQs & Basics

Accidental Death & Dismemberment Insurance vs. Life Insurance: The Differences Photo of Lance Cothern Lance Cothern Accidental Death & Dismemberment Insurance vs. Life Insurance: The Differences No one wants to assume bad things will happen. However, they are possible. To... Why Did Your Homeowners Insurance Premiums Go Up So Much? Learn about the most common reasons that your homeowners insurance premiums increased significantly -- and how you can take steps to bring them back down. Domestic Partner Health Insurance: How Does It Work?. Find out how domestic partner health insurance can be used to extend healthcare coverage (and save money on premiums) to couples who may not yet be married yet. Liability-Only vs. Full Coverage: What is the Difference in Auto Insurance? Photo of Kevin Mercadante Kevin Mercadante Liability-Only vs. Full Coverage: What is the Difference in Auto Insurance? Car insurance is typically sold as something of a package deal. Most states... Indexed Universal Life Insurance: How Does It Work? Photo of Lance Cothern Lance Cothern Indexed Universal Life Insurance: How Does It Work? People generally build assets over time with the goal to one day retire. In the... Co-op Insurance: How It Differs From Standard Homeowners Insurance Learn how co-op insurance differs from standard homeowners insurance because this coverage is still needed even with the co-op's master policy. No-Fault Insurance: What It Means for Auto Coverage in Your State Find out which states operate under no-fault insurance laws when it comes to auto coverage and how car insurance policies may handle claims. Are Life Insurance Payouts Considered Taxable Income? Photo of Lance Cothern Lance Cothern Are Life Insurance Payouts Considered Taxable Income? Life insurance helps your family stay on their feet financially after you pass... Homeowners Insurance for a Vacation Home or Second Home Photo of Valencia Patrice Higuera Valencia Patrice Higuera Homeowners Insurance for a Vacation Home or Second Home Whether you’re looking for a winter or summer escape, buying a second home or... Moped and Scooter Insurance: Guide to Getting Proper Coverage Learn about the insurance coverage needed for your moped or scooter, including factors that affect your policy premiums. Indiana Car Insurance: How to Get the Cheapest Rates See the average car insurance rates in Indiana and learn how you can qualify for lower premiums on your auto policy. FAIR Plan Insurance vs. Private Homeowners Insurance Policy Photo of Valencia Patrice Higuera Valencia Patrice Higuera FAIR Plan Insurance vs. Private Homeowners Insurance Policy A homeowners insurance policy insures your property against certain losses and... Contingent Beneficiary: How to Choose One for Your Life Insurance Policy Photo of Lance Cothern Lance Cothern Contingent Beneficiary: How to Choose One for Your Life Insurance Policy Life insurance helps provide financially for the loved ones you leave behind when... How Does Car Insurance Differ when You're Leasing vs. Financing a Vehicle? Find out whether car insurance coverage requirements may differ when you're choosing between leasing or financing a vehicle. Pregnancy & Health Insurance: How to Get the Right Coverage Does Homeowners Insurance Cover Plumbing, Pipe Leak Damage? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Does Homeowners Insurance Cover Plumbing, Pipe Leak Damage? Your property's plumbing system is an integral part of the home and if anything... Arizona Car Insurance: How to Shop for the Cheapest Rates Photo of Kevin Mercadante Kevin Mercadante Arizona Car Insurance: How to Shop for the Cheapest Rates With the Grand Canyon being in Arizona, the state’s car insurance can be a little... Homeowners Insurance Canceled: Next Steps to Ensure Coverage Learn the next steps to take if your homeowners insurance is canceled or renewal is denied and you still need coverage for your property. Coinsurance vs. Copay: How Much Will You Pay Out of Pocket? Learn the difference between coinsurance and copay when it comes to paying for out-of-pocket medical costs New Hampshire Car Insurance: How to Get the Cheapest Rates Photo of Kevin Mercadante Kevin Mercadante New Hampshire Car Insurance: How to Get the Cheapest Rates The granite state has much to offer, including no sales tax (don’t visit around... HO3 vs HO5 Homeowners Insurance Policy: What’s the Difference? Photo of Valencia Patrice Higuera Valencia Patrice Higuera HO3 vs HO5 Homeowners Insurance Policy: What’s the Difference? Homeowners insurance protects your property from losses and damages. It’s not... Wisconsin Car Insurance: How to Shop for the Cheapest Rates See the average car insurance rates for Wisconsin drivers and learn how to get the cheapest premiums based on coverage and your driver profile. Hazard Insurance: How Does It Cover Your Home? Learn how hazard insurance works as part of your overall homeowners insurance policy, especially if you have an existing mortgage on your property. Mortgage Protection Insurance vs. Term Life Insurance: Pros and Cons to Consider Photo of Lance Cothern Lance Cothern Mortgage Protection Insurance vs. Term Life Insurance: Pros and Cons to Consider When you take out that home loan, it gets recorded in the public records of your... Should You Switch Car Insurance After an Accident? Photo of Kevin Mercadante Kevin Mercadante Should You Switch Car Insurance After an Accident? The good news: You can switch car insurance at any time – but that doesn’t... What Happens When You Don’t Have Homeowners Insurance? Find out what happens when you don't have homeowners insurance coverage and the various reasons that you should have a policy in place to protect your property. How Life Insurance Fits Into Your Estate Planning With Wills and Trusts Learn how life insurance and associated policies may work in conjunction with other estate planning instruments such as wills and trusts. How to Get the Cheapest Car Insurance for College Students Photo of Kevin Mercadante Kevin Mercadante How to Get the Cheapest Car Insurance for College Students Just like any other auto insurance premium, age, gender, location, vehicle type,... When Can You Switch Homeowners Insurance Policies? Photo of Valencia Patrice Higuera Valencia Patrice Higuera When Can You Switch Homeowners Insurance Policies? If you own a home, chances are you have homeowners insurance—especially if you’re... Child Life Insurance: When Does It Make Sense? Learn more about life insurance for a child. Compare the pros and cons to decide when such a policy might make sense for your child and your family.