19 Jul 2021
What Kind of Insurance Do I Need for My Rental Property?

What Kind of Insurance Do I Need for My Rental Property?

Insurance
Rental properties face specific threats. As a landlord, you need to be proactive if you want to protect your investment. Most landlords often seek to know the best kind of insurance for their rental property. Some may think that having a homeowner’s insurance is enough. However, this is not true. That is because rental properties have more risks than your private residence. The only time that the homeowner’s insurance may cover rental property is when you temporarily rent out your home. Therefore, short-term rentals do not require extra…
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12 May 2021
What is Renter’s Insurance and Why Do You Need It?

What is Renter’s Insurance and Why Do You Need It?

Insurance
Living in a home of any kind comes with its risks. There is a long list of unpleasant things that can happen to the building, its occupants, or their belongings. The building could suffer flood or fire damage. A tree could fall on the roof or a burglar could break into the home. These are events no one wants, but which happen in the everyday course of life. Bad things happen despite our best efforts to prevent them. This is why people buy insurance. Insurance offers assurance that…
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30 Mar 2021
My Teladoc Telemedicine Experience

My Teladoc Telemedicine Experience

Insurance, Wellness
I’m one of many people who hate going to the doctor. Also, since COVID-19 started, I’m even less inclined to drive in for a visit. I’m fairly young and take pretty good care of myself, so prior to working for an insurance company I opted for a bare bones, major medical insurance health plan. However, last month I saw the wisdom of having decent medical insurance coverage with added benefits. I experienced some digestion-related issues similar to food poisoning that persisted for over 48 hours. I was just…
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26 Aug 2020
Tips for Staying Safe on the Road

Tips for Staying Safe on the Road

Insurance
According to the ASIRT, over 38,000 people in the USA die in traffic accidents every year (the most of any high-income country) and 4.4 million people are hurt badly enough to need medical attention. You can’t control the recklessness of other drivers, but you can reduce your driving risks by following these safety tips. Maintain a safe following distance Tailgating is a major cause of accidents because drivers often follow other cars too closely. If the driver in front of you slams on their brakes for any reason,…
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04 May 2020
My Progressive Snapshot Experience – Lower Your Car Insurance Rates

My Progressive Snapshot Experience – Lower Your Car Insurance Rates

Finances, Insurance
You may have seen Flo from Progressive Insurance telling you to install their Snapshot plug-in device (there is also a mobile app, but it’s not available in all states). When I was looking for car insurance, I got several quotes from different carriers through A and H Insurance and Progressive came back the cheapest, while still giving me excellent coverage. The rate was great, but I decided to see how much lower I could get it and signed up to get a Snapshot device. How To Sign Up…
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21 Jan 2020
Why You Should Avoid Health Insurance Imitators like HCSMs

Why You Should Avoid Health Insurance Imitators like HCSMs

Insurance, Wellness
I get it. Money is important. Health insurance is essential. Health insurance is expensive. Why Health Insurance is Expensive The biggest reason that health insurance is expensive is that healthcare is expensive. It’s not the cost of a few stitches or a flu shot that make the premiums so expensive. It’s the cancer treatments, the transplants, the dialysis. The reasons why healthcare is so expensive include administrative costs and defensive medicine (ordering lots of tests to avoid getting sued), among other factors. It is easy to look at…
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11 Nov 2019
Insurance and the “Peace of Mind” Effect

Insurance and the “Peace of Mind” Effect

Insurance, Psychology
Insurance can be a bore to talk about. However, it is a crucial part of our lives. Not only is health insurance, for example, important in the event of unexpected health issues and preventative care, but simply having health insurance can give people “peace of mind.” Not just in a figurative sense, but literally. One study found that having health insurance may reduce stress and cortisol levels. Insurance is not just useful in the event of accident or injury, it can also reduce anxiety about these feared events…
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22 Apr 2019
Navigating the Frustrations of Medical Billing

Navigating the Frustrations of Medical Billing

Insurance, Wellness
Going to the doctor’s office to be treated for a certain physical pain shouldn’t also be a financial pain. To ease the worry of getting doctor bills, below are a few steps that will help you to confidently open those dreaded bills. Know Your Benefits The most important part of the insurance puzzle is to know your benefits and what is covered by your insurance company. Prior to making an appointment, know if you need a referral to see that physician. Also find out whether the provider is in…
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02 May 2018
What’s Driving Auto Insurance Rates Up?

What’s Driving Auto Insurance Rates Up?

Insurance
Come July 1, 2018, the State of Nevada will raise the required basic minimum limits for auto insurance, resulting in premium hikes for roughly a third of Nevada drivers. If you are unsure of how this new law might affect you, reach out to your insurance agent or read the Nevada Division of Insurance FAQs. Some industry professionals have opined that the Silver State’s 24-hour cities pose increased risk as a result of higher incidence of drunk driving and auto accidents, but the data does not support this. Nevada…
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