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Insurance policies provide financial protection in a broad range of circumstances but each type of product specifies certain situations where the policy will not respond. These vary from one type of product to another, and can vary in detail between one insurer and another. It is important to check the details of your individual policy. However the questions and answers below seek to set out the usual approach for each of the main types of insurance.
If you have specific queries on your policy you should approach your insurer or broker.

Property cover

Will my home be covered if it is damaged or destroyed in a terrorist attack?

Yes. Household, buildings and contents policies include damage by fire, explosion or impact whether caused accidentally, through the malicious act of an individual criminal or in an act of terrorism. This cover will normally include the cost of alternative accommodation whilst your home is being repaired, typically up to a total of 20% of the sum insured. (more...)

The HSA stands for Health Savings Account. Simply put it is an insurance policy paired with a savings account. Personally, I love them. To me the HSA is a great insurance policy for people of all walks of life.

If you a sickly person the HSA is appropriate, because it reduces your out of pocket costs to your deductible, On the other hand, if you are a healthy person that rarely sees the doctor, it provides a tax break on your health insurance costs, and it allows you to build up a savings account to cover any medical costs up to the deductible amount.

A typical HSA has a deductible that can range from $1100.00 up to $10,000.00 depending on the company that you choose and your personal preference on premiums and deductibles. Typically after you meet the deductible, the HSA then covers your health care costs at 100%. There are exceptions to this, in that, some companies offer the HSA with 80% coverage after the deductible is met.

That is the gist of the HSA. Complicated? No. It (more...)

Too many companies don t think about their insurance policies and what they cover until after something happens — and unless you have prepared ahead of time, that something might not be covered in your policy. The following are just a few of the things that can occur: lost keys, chemical spills, employee theft, damaged equipment and broken items. The proper insurance coverage can play an important part in keeping your risks to a minimum.

The basic business insurance normally includes general liability insurance, commercial auto coverage, workers compensation and equipment breakdown. These may be all combined into a package policy, but you need to check with your agent to make sure you have coverage in these four areas. Besides the coverage listed above, the janitorial service industry has risks unique to it and you should make sure that you are covered for the following:

*Lost key coverage. This should pay to replace lost keys, adjust locks, or purchase and install new locks.

Could you have overlooked a few things that could dramatically cut down on your car insurance premiums? Could there be a thing or two that you ve missed?

Did you know for instance that driving less than a certain number of miles or kilometers every year could get you a discount on premiums from some insurance companies? This is popularly known as low mileage or distance discount rating. Have you ever heard of something like this? Sometimes this discount can be pegged on certain distances driven to and from work. Ask your insurance company if they have such an arrangement.

Many people do not take car insurance into consideration when they move yet it is important that they do. The right neighborhood (in the eyes of the car insurance company) can save you plenty of cash on your premiums.

Another thing that most people do not know is that two different models from the same manufacturer can be rated differently which could make a difference in the amount of car insurance premium to be pai (more...)

Long term care insurance is sold through a licensed insurance agent or broker, and helps provide for the cost of long term care beyond a predetermined period. It protects you and your loved ones in case extended care is needed during your life. Long term care insurance quotes help you find the best life insurance policy tailored to your requirements.

There are several companies that can guide you and give you the quote appropriate to your requirements. They will take details from you and then will find the best option available. Long term care insurance quotes will help you understand what a policy means, and compare the policies of different companies. You can contact and get a quote from an insurance broker who is an independent agent for many companies and knows what the market is offering. He can explain the advantages and disadvantages of various policies and can help you choose the best product.

Those who cannot afford to pay premiums have them paid by Medicaid programs administered by (more...)

It s the same with all things in life, we don t think about things until we need to and it s the same with health insurance as most people don t give it any serious consideration until they are faced with a urgent health crisis. Is it any surprise than that the majority of us are caught unawares when an emergency occurs and it is only then we realize the insurance we purchased many years ago is now out of date and doesn t provide sufficient cover for our present situation.

There are a bewildering array of options available when deciding on which insurance plan but one basic to remember is that all insurance is only as good as the insurance underwriters and the company behind it. Here are 9 points we should all consider before choosing our next insurance company.

1. Tell the truth

Full disclosure of the facts applies whether it s health, household, auto or personal insurance because withholding vital facts can and does invalidate insurance cover if you fail to reveal the truth with you (more...)