Budgeting-help.com - Articles - Disability Insurance

Insurance Policies for Personal Items

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 21:51:07 CDT

You probably already have coverage for personal items through your homeowners, condominium, or renter’s insurance. However, if you have a number of expensive or unique items of significant value, the coverage may be minimal compared to the value of your goods.

Coverage for Credit

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 21:49:53 CDT

Credit insurance provides coverage in the event you are unable to pay debt related to a credit line you accepted in the past, whether a mortgage, refinanced loan, or credit card. This form of insurance and what it provides is not well known to most consumers, so they typically don’t seek out the coverage. It is usually offered by lenders during the application process, and has recently come under fire due to its predatory use in the subprime lending market.

The Benefits of Business Insurance

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 21:48:21 CDT

When you run a business, you have created a system in which your products or services can generate revenue, keep your employees working, and make you profitable. But at any time, there may be an accident, mishap, emergency, or conflict that threatens your business’s viability. If you are a business owner or operator, you should have business insurance coverage to protect you from liability related to your business or damages that affect your business systemically.

Other Home Insurance Options

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 21:46:39 CDT

If you buy a condominium or are renting an apartment or home, you have different options for home insurance policies. However, you can still expect similar protection of your home and/or its contents

Types of Homeowners Insurance Coverage

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 21:45:09 CDT

After understanding the four different areas of coverage in a typical homeowners policy (see “Insurance for Any Home”), it is important to learn about the different types of coverage. The types vary depending on the type of home you have (house, condominium, or rental unit), and on the level of desired coverage you want for your home, its contents, liability protection, and other costs.

Insurance for Any Home

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 21:43:43 CDT

So you’re taking the plunge into the biggest single purchase in your life: a home of your own. Maybe it is only the first of many; maybe it will be the one where your grandchildren will visit.

Selecting the Right Health Insurance Coverage for You

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 21:41:53 CDT

When selecting insurance coverage, you may find the wealth of options overwhelming. HMO, PPO, or Fee-for-Service? What about coinsurance, deductibles, and all the charges that come in addition to your monthly premium? If you’re healthy now, should you still get broad coverage, or wait until you need all of those services? What would make your monthly premium increase?

Group v. Individual Health Insurance

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 21:40:33 CDT

Unlike other forms of insurance, which are required by law in many states for their protective purposes (see “All About Auto Insurance), or optional insurance for valuables and material possessions (“Policies for Personal Items” gives details), health insurance is optional but extremely important. It provides protection of the policyholder in case of the “cough you can’t get rid of” or a major injury, or at least that annual physical.

Understanding Types of Health Insurance

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 21:38:55 CDT

Overall, 15.6% of Americans do not have health insurance. Considering the expense of major procedures, or at least how dramatically preventative check ups can reduce healthcare costs, not having insurance can be a losing proposition to the pocketbook and sense of wellbeing.

Insurance

no@spam.com (Budgeting Help) — Tue, 24 Jul 2007 20:24:01 CDT

If you are concerned about your health, drive a car, own a home or condominium, or any of the above, you probably have some form of insurance. Typically, you pay for insurance with the hope that it never or rarely will be used; calling in a claim may mean you had a car accident, a house fire, or need extensive medical services. But in many cases, it is a necessary (and legally-required) evil.