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Medicare and Medicaid are two government programs that provide medical and other health-related services to specific individuals in the United States. Medicaid is a social welfare or social protection program, while Medicare is a social insurance program. President Lyndon B. Johnson created both Medicare and Medicaid when he signed amendments...
Buying insurance isn't the same as buying groceries or clothes—you can't pick up two policies and compare the labels on the back. The best way is to work with an insurance expert to make sure you are getting the right policy for your needs. How do you know what is considered a good price for an insurance policy? After all, buying insurance isn't th...
Private Healthcare PlansA private Healthcare plan is one of your options when shopping for Healthcare. Unlike a government plan, private Healthcare plans often offer more flexibility in coverage and are often less expensive. If you decide on a private Healthcare plan, you will face a tax penalty at the end of the year. Again, even with the tax pena...
How to Buy the right Health Marketplace Health InsuranceIf this is your first time shopping for health insurance plans, you're not alone. Many Americans are first-time healthcare buyers and look to Health Marketplace for their healthcare needs. But you'll need more than a recognizable name to choose the best Healthcare option. Here's a few tips to ...
You are building a home, congratulations! You need it insured, so we insure it with a home policy, right? As it turns out, there are many types of policies for a home, and you need to have the proper one in order to be protected. Builder's Risk Insurance will cover a structure while it is either being built or renovated. This ensures that if someth...
Getting to design your dream home from the ground up and watching it come together right before your very eyes is an exciting process. If you're planning on partnering with a contractor to help you construct your dream home from scratch, you may be wondering how to protect your beautiful new home from start to finish. Will homeowner's insurance cov...
When planning on taking a vacation you have to plan for so many things. What am I going to pack? Who is going to take care of the pets? Making sure all your vacation plans are laid out nicely can be hard, but what about your auto insurance? While a majority of people understand the importance of auto insurance when driving in their home state, a lo...
After looking at dozens of houses you found a property you love. You've managed to come up with a down payment, get approved by a lender, and started wrapping your knick knacks in newspaper. Now you need to find a homeowners insurance policy that meets your needs, but how do you know if a policy is the right one for you? For most people, your home ...
Part of protecting your property with home insurance is protecting what can happen to others at your home. Make sure you understand your liability coverage and have the right amount on your policy. What is liability insurance?Liability insurance is the insurance coverage that protects you in the event that you cause harm or damage, unintentionally,...
We commonly use the phrase "Roof over my head" to refer to the fact that we have a home to live in. This is largely because the roof is arguably the most important part of our home. We commonly use the phrase "Roof over my head" to refer to the fact that we have a home to live in. This is largely because the roof is arguably the most important part...
Condo insurance covers your unit's interior and your belongings inside. It also provides coverages for personal liability, loss assessment, living expenses if you can't live in your condo because of a covered peril, and even more. Owning a condo isn't the same as owning a house, but you still need to protect your property. Condo insurance, also ref...
Far too many people find out too late that flooding isn't covered by their homeowners insurance. Whether or not you live in a flood-prone area, an affordable flood insurance policy is one of the smartest precautions you can take. Has there been a flood in your neighborhood? Maybe you are dealing with unexpected torrential rain, or perhaps a h...
Condos. Homes. Apartment complexes. Rental properties come in all shapes and sizes—and so do insurance policies. How do you find the one that limits your exposure to risk and liability? Being a landlord can be a profitable business, but it comes with a certain amount of risk. Tenants could damage your property, or worse, someone could get injured o...
The incredibly high rates for insuring teen drivers can be shocking—age, statistics and driving record are huge insurance-rate factors. But there are things you can do to help keep insurance rates for teen drivers as low as possible. Teen drivers and their parents are often shocked by the incredibly high rates they are quoted when they go shopping ...
According to the United States Manufactured Housing Institute, 1 out of every 10 homes built in 2019 were manufactured Homes, adding to an estimated 4.1 million in the US. These aren't the "manufactured homes of yester-year!" Today's Manufactured Home market ranges from budget-friendly starter homes to deluxe, even two story, homes with features th...
Landlords are responsible for insuring the house or apartment you rent. But their insurance won't cover your belongings. Renters insurance will help you repair or replace your property in the event of a covered peril. If you don't own your home or apartment it can be easy to write off insurance as something your landlord needs. Renters don't have t...
Riding a motorcycle can be thrilling, but there's more to it than the wind in your hair. Second only to wearing a helmet, carrying the right insurance is one of the best ways to protect yourself and your bike in the event of an accident. Riding a motorcycle can be a thrilling way to travel from place to place, but there is more to it than the feel ...
You did it! You saved up the money, made the down payment, and closed on your first vacation home! Vacation homes or secondary homes are a huge asset and a place where you want to be able to relax and enjoy some time away and not have to worry about whether you have the correct home insurance for it or not. If you have a second home, you might be a...
Your homeowners insurance policy is actually in parts. What covers your home—not your belongings—is dwelling coverage. It will rebuild your home after a fire or other disaster, so it's important not to skimp on your dwelling coverage. Did you know that your homeowners insurance policy is actually broken into several smaller parts? The section of yo...
Your bank requires a full coverage auto insurance policy for your new car. But what is that? Generally, it's a combination of coverages (liability, comprehensive, collision) to protect you and your car in an accident or other emergency. You bought a new car — congratulations! Now your bank says you need a full coverage auto insurance policy to prot...