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A homeowner s insurance company rating lets you, the potential policyholder, know the financial strength of the particular company. Although the insurance business is highly regulated, this information is important because you don t want to purchase homeowner s insurance from a company that is at risk for filing bankruptcy. You may not even want to purchase a policy from a homeowner s insurance company that s been flagged in some way for a current, “iffy” financial situation.

You can find your homeowner s insurance company rating by searching independent research companies. These companies gather and evaluate a plethora of the insurance company s financial information. The rating is designed to let you know the homeowner s insurance company rating, therefore assisting you in your decision to, or not to, do business with a particular company. These companies are usually easily accessible via the Internet, too.

Your state s department of insurance can also provide you with a homeow (more...)

Paying for health care can consume a large portion of an individual or family s disposable income. Some costs are non-negotiable but there are ways to lower the amount you spend on insuring your health.

Deductibles

You may be able to pay a lower premium by paying a higher deductible. This is particularly true if you are insured as an individual rather than through your employer. If you choose this option it is wise to place a portion of the money saved on your premium into an account which is used solely to pay your deductible.

Co-pay amount

Many companies have lower premium policies available for those willing to make a higher co-payment when they visit the doctor. Opting for a higher co-payment can be especially advantageous for people who don t often visit the doctor.

Generic drugs

Generic drugs are manufactured to the same standards as brand name drugs. Choosing to have a prescription filled with a generic drug can offer substantial savings over having it fill (more...)