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One of the necessary expenses involved in owning your home is insuring it. All homeowners should have it. If they don t, they re playing a very dangerous game. Why run the risk of not insuring one of the largest investments you ll ever make in your life. One catastrophic loss and it s gone.

In the process of buying insurance, we d like to help you get the most for your money and save whenever possible. We all work very hard to earn money, let s not give away more than we have to. Here are a few tips that will help you to save money on your homeowner s policy:

Know the difference: It is very important to know the difference between a named peril policy vs. all risk . A named peril is more restrictive as a loss has to occur by one of the perils named in the policy. Conversely, an all risk policy is covered for all risks except for those occurrences excluded by the policy terms and conditions. All risk policies encompass more causes of loss than a named peril policy and thus will cost more (more...)

Student health insurance can be affordable, and even cheap, if you choose a plan that offers the exact coverage your student needs, and if you understand the coverage your student has. By choosing the coverage your student needs, you won t have to worry about paying for any medical costs that you know your student will acquire. And, by making sure you thoroughly understand your student s coverage, you won t be hit with any surprise costs along the way.

The first step to finding affordable student health insurance is to ask about any health coverage offered to your student by his or her school. Many colleges and universities provide medical services via on-campus clinics to students. These medical services may be available free or at a very low cost - and what s more affordable than that?

Next, ask about pre-existing conditions. For example, your student may be diabetic medical care for pre-existing conditions such as diabetes may not be offered through the school. If this is the case, (more...)