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When you buy a new home and move in, the last thing on your mind should be what would happen if a theft or fire occurred. Having homeowner insurance is vitally important regardless of where you live. In Washington State there are a few things a homeowner can do to help secure a discount on their homeowner s insurance and ensure they are working with a reputable company:

- The Office of the Insurance Commissioner in Washington State releases a list of consumer complaints each year. This includes complaints against homeowner insurance companies. Individuals can check to see how their potential insurance company stacks up.

- Insurance companies look at your claims history when they are preparing to insure you. If you ve had a series of frivolous claims this can increase the amount of your premiums. Don t ever file a claim with your home insurance company unless warranted.

- Maintain a solid employment history. Many homeowner insurance companies use your record of employment to help deter (more...)

A universal life insurance is a financial resource that provides money for your family in the event that you die. The money that is received by your family will come as a big help, since it will cover funeral costs, childcare, housing and other expenses that are difficult to compensate for without this type of insurance.

But with the many insurance companies and agents in the market today, it is difficult to know which universal life insurance policy is the best for you unless you know about the universal life insurance policy and its definitions as they apply to the policy.

Universal life insurance combines features of the two basic types of life insurance: term life insurance and whole life insurance. This insurance policy provides the whole life insurance cash value and the term life s protection feature. If you have this policy, you will have flexible premiums and death benefits. You can choose to pay what you want and how often you want to make these payments. The amount on the death (more...)