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. 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.... 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. Lance Cothern 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. 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... Lance Cothern How Your Life Insurance Policies Affect Medicaid Eligibility & Benefits Life insurance and Medicaid may seemingly be unrelated but there is a connection... 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. Lance Cothern 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). Lance Cothern Lance Cothern Can You Buy a Life Insurance Policy for Someone Else? Typically, an individual buys a life insurance policy to insure... 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. Valencia Patrice Higuera Homeowners Insurance and Trampolines: Are They Covered? Find out how having a trampoline on your property can affect your homeowners insurance premiums Valencia Patrice Higuera 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... 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. Lance Cothern 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. Valencia Patrice Higuera Lance Cothern What is the Cash Surrender Value on a Life Insurance Policy? While term life insurance policies are simple, permanent life insurance policies... 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. Valencia Patrice Higuera 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. Valencia Patrice Higuera 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... 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. Valencia Patrice Higuera 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. Lance Cothern Valencia Patrice Higuera Is Homeowners Insurance Legally Required? Home insurance is a type of insurance that covers damages to your home after a... 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... 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. Valencia Patrice Higuera 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. Valencia Patrice Higuera