Insurance Policy FAQs & Basics

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 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... Valencia Patrice Higuera Why Did Your Homeowners Insurance Premiums Go Up So Much? Homeowners insurance is an important policy because it protects your house against... 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. Lance Cothern Liability-Only vs. Full Coverage: What is the Difference in Auto Insurance? Learn the differences between liability-only and full coverage policies when it comes to car insurance and which one you should consider based on your needs. Kevin Mercadante 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... Valencia Patrice Higuera Co-op Insurance: How It Differs From Standard Homeowners Insurance If you live in a co-op, you'll need -- specifically -- co-op insurance, which is... 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. Kevin Mercadante Are Life Insurance Payouts Considered Taxable Income? Find out whether life insurance payouts and death benefits are considered taxable income for beneficiaries and when taxes may affect the value of your policy. Lance Cothern 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... Kevin Mercadante Moped and Scooter Insurance: Guide to Getting Proper Coverage Just as in the case with car insurance, you’ll also need coverage for insuring... 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. Kevin Mercadante FAIR Plan Insurance vs. Private Homeowners Insurance Policy Learn how FAIR Plans can offer insurance coverage for homes that may not qualify for standard homeowners insurance policies due to high risk. Valencia Patrice Higuera 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... Kevin Mercadante How Does Car Insurance Differ when You're Leasing vs. Financing a Vehicle? Most consumers are familiar with what’s involved with car insurance when financing... Pregnancy & Health Insurance: How to Get the Right Coverage Lance Cothern Does Homeowners Insurance Cover Plumbing, Pipe Leak Damage? Find out whether your standard homeowners insurance policy will cover damage to your property as a result of plumbing issues and pipe leaks. Valencia Patrice Higuera 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... Valencia Patrice Higuera Homeowners Insurance Canceled: Next Steps to Ensure Coverage Insurance isn’t required by law, but a policy can protect your finances and... 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 Lance Cothern New Hampshire Car Insurance: How to Get the Cheapest Rates See the average New Hampshire car insurance rates and learn how to qualify for the cheapest rates on your auto coverage policy. Kevin Mercadante 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... Kevin Mercadante Wisconsin Car Insurance: How to Shop for the Cheapest Rates Wisconsin, also known as “America’s Dairyland”, where many residents refer to... 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. Valencia Patrice Higuera Mortgage Protection Insurance vs. Term Life Insurance: Pros and Cons to Consider Learn the differences between mortgage protection insurance and term life insurance to cover your family's mortgage payments if something happens to you. Lance Cothern 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... Valencia Patrice Higuera What Happens When You Don’t Have Homeowners Insurance? Your home (and the contents inside) is your biggest investment, so replacing the... 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. Lance Cothern How to Get the Cheapest Car Insurance for College Students Learn how college students can get the cheapest car insurance rates even though younger drivers will typically be charged more expensive premiums for coverage. Kevin Mercadante