Free Insurance Articles from HometownQuotes

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Categories: General InsuranceAuto InsuranceHomeowners InsuranceRenters InsuranceLife InsuranceLong-Term CareHealth InsuranceDisability Insurance

General Insurance Articles

Fun On The Fourth = Fire Risks Are More Abundant
Independence Day is less than 24 hours away and the scents of summer celebration are ready to be unleashed.  The smell of hot dogs and hamburgers on the grill, sun-sweetened tea, fresh-squeezed lemonade, ripe watermelon and emblazoned fireworks will infuse the backyards, porches, waterfronts and street corners of many American cities and small towns tomorrow.

Shop for Insurance Online = Save Precious Time and Money
Your time is valuable, so save it! Between shuttling the kids to soccer practice, mowing the lawn, finishing that huge research project that’s due in tomorrow’s political science class or just finding a few minutes to simply take a break and unwind, it can be difficult to find time to shop for affordable insurance coverage. Wherever you are in life’s many stages, why dig through the phone book when the insurance quotes you are looking for are at your fingertips?

How Safe Is Your Mattress? Replacing Your Mattress Could Save Your Life and Your Bank Account
Fire safety is probably the furthest thing from your mind as you drift off to sleep each night.  According to the Consumer Product Safety Commission, approximately 360 people die each year from mattress fires. Considering that statistic, you might want to re-think your current sleeping arrangements and re-visit your insurance policies.

Tips for Getting the Best Insurance Quotes
1. Have your current insurance policy with you when requesting your insurance quotes.
2. Consider a higher insurance deductible.
3. Place all of your insurance policies with the same company to qualify for a multiple policy discount.

Insurance for Your Home-Based Business
When you start a home-based business, buying insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens — and it will — having insurance coverage may mean the difference between the success and failure of your home-based business.

Auto Insurance Articles

Car Insurance – California, Do You Have Auto Coverage?
Trying to find an alternate route to work when nearly 280,000 other commuters are scrambling to find their way into the city can definitely increase the odds of getting involved in a fender-bender. San Francisco Bay area interstate travelers will be the first to tell you that you cannot predict accidents or catastrophes.

Auto Insurance Tips – Sealing the Deal on Affordable Car Insurance
Okay. I admit it. I’ll stand in line for the latest Harry Potter book. You can probably convince me that I “need” the latest Dior volumizing mascara and yes, I have eaten turtle cheesecake for supper before. I have several guilty pleasures. Buying auto insurance is not one of them, but it’s a necessity. Read on to learn why, in addition to being a legal stipulation, auto insurance is important to you and your assets.

Tips for Buying Cheaper Car Insurance
With the rising costs of car insurance for most American families, there are more and more people searching for cheaper car insurance. Although it is certainly possible to get cheap car insurance quotes, let the buyer beware. The old adage “you get what you pay for” is as true in buying car insurance as it is in the retail world.

Auto Insurance – What’s In Your Policy?
If you are in an auto accident – the last thing on your mind should be money. It is important to know you are covered and what that coverage includes.

Determining how much Auto Insurance Coverage you Need
Auto Insurance Bodily Injury (BI) Liability and Property Damage (PD) coverage is Legally required in most states today. (BI & PD) Most people understand that they need BI & PD, but they have no idea how to determine how much coverage they need.

Changing Auto Insurance Companies
There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!

Auto Insurance Tips for Senior Drivers
Like all drivers, senior citizens (or as I like to call them “seasoned citizens”) want to get the best rates on their auto insurance policies.

How Does Credit History Affect Car Insurance Rates?
Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates. I hope that we will be able to let you know why and how they do this.

How to Find Car Insurance Discounts
Saving money wherever you can is important to us all. Car Insurance should be no different. Do not assume that your insurance agent knows everything about you and your car. At HometownQuotes we go out of our way to find all the possible car insurance discounts that are available to each customer.

Auto Insurance Buying Tips
Insuring two or more vehicles with the same insurance company can save you between 10 – 15% on your premiums.   Covering your home through the same company that you have auto insurance with can reduce your premiums by another 10-15%.

Factors That Affect Your Car Insurance Premium and How to Lower It
There are many factors that affect your car insurance premium. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver’s gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc.

Which Car Should You Own To Keep Insurance Rates Affordable?
Do you consider the cost of car insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type.

What to do after an auto accident
Driving on America ’s highways can be a risky proposition.  Whenever you’re in a vehicle, there’s a chance you’ll be involved in a traffic accident.

Cheap Car Insurance for Teens
Purchasing cheap car insurance for your young driver can be a breeze – if you know where to look!

General Information about Auto Insurance Protection
Driving is a privilege, but it comes with a price tag. There’s the cost of the vehicle itself, maintenance, repairs, fuel and auto insurance. Many states require you to carry a basic, minimum level of auto insurance. It’s a way of sharing the risks of driving.

How to File a Car Insurance Claim
Having even a teeny-tiny car accident can be one of life’s least enjoyable moments. However, accidents happen, and sooner or later we all have the experience of meeting one of our fellow road travelers up close and personal and having to file a car insurance claim.

Homeowners Insurance Articles

California Homeowner’s Insurance – 7 Tips for Ensuring Proper Residential Coverage PLUS Understanding Your Options for
Homeowner’s Coverage

Owning and maintaining a home is one of the largest financial responsibilities you will ever have. If it has been awhile since you have looked at your homeowner’s insurance policy, it is time to examine your coverage to be sure you are prepared in the event of disaster. Consider the following tips to be sure you’re not in a mess the next time you file a homeowner’s insurance claim.

Hurricane Season 2007: Tips To Keep Your Home Insured Against Flood Damage
The lazy days of summer are upon us. So pass the sweetened sun-brewed iced tea with the mini cocktail umbrella and light up a few tiki torches. But don’t doze off in that hammock just yet. Along with summer comes the increased chance of severe summer weather. As hurricane season swiftly approaches, homeowners are encouraged to prepare for worst case scenarios.

Hurricane Season – Are You Prepared With Flood Insurance?
Hurricane season is just around the corner, which means greater potential for flooding and/or flood damage to your home. It doesn’t matter where you live, flooding can occur almost anywhere. If you live along the coast or near a body of water, particularly, protection against and preparation for this type of disaster is necessary to ensure your finances are protected. Have you purchased flood insurance?

Homeowner’s Insurance – Keeping Track of Your Goods
Homeowner’s insurance is an invaluable investment for every homeowner. If your house went up in flames and you lost everything, would you be able to recall everything you owned, including the items’ values? If you came home from work to find someone burglarized your home, would you be able to account for everything that had been taken or destroyed? While some items are priceless and/or likely have sentimental value, memories unfortunately are not sufficient for filing a homeowner’s insurance claim in the wake of a disaster.

Homeowners Insurance: Lessons from Katrina and other gulf storms
Homeowners Insurance is supposed to protect us in case of disasters. That is what we have come to expect from our homeowners insurance over the years. But what if the disaster is the costliest in U.S. History? What if your insurance agent’s home and office were destroyed in the disaster also?

Your Homeowner’s Insurance Policy – Dissected: Part 1 of 5
If your homeowner’s insurance policy has been stuck in a drawer, cabinet or just tucked mindlessly away somewhere, it is probably about time to pull it out, shake off the dust and make sure it’s still up-to-date. This article is the first in a series of five articles that will help you decipher your homeowner’s insurance policy.

Your Homeowner’s Insurance Policy – Dissected: Part 2 of 5
If your homeowner’s insurance policy has been stuck in a drawer, cabinet or just tucked mindlessly away somewhere, it is probably about time to pull it out, shake off the dust and make sure it’s still up-to-date. This article is the second in a series of five articles that will help you decipher your homeowner’s insurance policy.

Your Homeowner’s Insurance Policy – Dissected: Part 3 of 5
If your homeowner’s insurance policy has been stuck in a drawer, cabinet or just tucked mindlessly away somewhere, it is probably about time to pull it out, shake off the dust and make sure it’s still up-to-date. This article is the third in a series of five articles that will help you decipher your homeowner’s insurance policy.

Your Homeowner’s Insurance Policy – Dissected: Part 4 of 5
If your homeowner’s insurance policy has been stuck in a drawer, cabinet or just tucked mindlessly away somewhere, it is probably about time to pull it out, shake off the dust and make sure it’s still up-to-date. This article is the fourth in a series of five articles that will help you decipher your homeowner’s insurance policy.

Your Homeowner’s Insurance Policy – Dissected: Part 5 of 5
If your homeowner’s insurance policy has been stuck in a drawer, cabinet or just tucked mindlessly away somewhere, it is probably about time to pull it out, shake off the dust and make sure it’s still up-to-date. This article is the fifth in a series of five articles that will help you decipher your homeowner’s insurance policy.

8 ways to keep your Home Insurance Costs low
1. Increased Home Security – Most homes are fitted with some sort of security device. To make the most of your Home Security Discount make sure that you home is fitted with: dead bolt locks, smoke detectors, fire extinguishers and a burglar and fire alarm that are monitored. You do not have to have all of these to receive a discount on your home insurance so even if you only have one or two make sure that you ask for the savings.

Home Insurance Price Factors
Here are some factors to consider when purchasing home insurance.  All of these factors can and will have an influence on the price you pay for home insurance.

Home Insurance Tips
Getting quality insurance is a good first step towards protecting your home. But ultimately, the best protection is prevention. There are steps that you can take to help you avoid ever having to make a home insurance claim – the following home insurance tips can get you started.

The Top Ten Things you need to know about Homeowners Insurance
Why should you wait until after a disaster to discover your homeowners insurance doesn’t really have you covered? Here are ten important things to do so you can have peace of mind — and full protection — right now:

What is Home Owners Insurance?
Home owners insurance policies are designed to protect your house and personal property against losses from the perils listed in your policy.

Homeowners Insurance Tips
Just like auto insurance, policies have deductibles, and the same rule of thumb applies–carry the highest deductible you can afford.

Tips for Buying a New Home
Buying a new home can be a daunting task, even for someone who has owned several homes. If you recently purchased your first home, you probably found that is hard to find good advice that is truly useful.

Shop Around and Save on Home Insurance
What do you like the most about your home – the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms?

Renters Insurance Articles

Renter’s Insurance Tips
Renter’s insurance protects your property against damage or loss, and insures you in case someone is injured while on your property. It’s offered by most companies that sell homeowner’s insurance. If you rent or lease your home this is for you!

Questions and Answers about Renters Insurance
“In any given year, burglary losses in the United States run in the billions of dollars. The average residential loss often exceeds $1,000.00” (Insurance Industry News)

Life Insurance Articles

Life Insurance Policies Explained
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.

Life Insurance Buyer’s guide
When you buy life insurance, you want coverage that fits your needs and doesn’t cost too much. First, decide how much you need – and for how long – and what you can afford to pay.

Long-Term Care Insurance Articles

The Top Ten Reasons Why People Need Long Term Care Insurance
10. The government isn’t going to pay for long-term care at home, in a nursing home, or in an assisted living center. Medicare pays 100% of long-term care for 20 days and all but $95.00 per day for the next 80 days–after that nothing. However Medicare only pays for skilled care and most long term care is not skilled care.

12 Questions to ask about Long-Term Care Insurance
Those who aren’t getting older can skip this story. Still with us? Good. You are getting older, and at some point, your body will break down. Here are some scary statistics: Studies indicate that as many as 40 percent of Americans over 65 will spend time in a long-term care facility, that more than 70 percent over 65 will use some form of home health care, and that a year in a nursing home can cost anywhere from $40,000 to $100,000 or more today, with costs likely to more than quadruple 30 years from now.

Health Insurance Articles

Health Insurance for California Residents
A recent news article explained that approximately one in five working Californians has health insurance. If that statistic is true, there are many California residents that lack health coverage. If your employer does not offer a health plan, there are affordable alternatives at your fingertips. Securing health insurance is a few mouse-clicks away.

Group Health Insurance Quote Tips
Group Health Insurance is necessary to attract and keep good employees. While employers may not like the cost of group health, they should be aware of the benefits to the company and overall morale. There may be things you as an employer can do to alleviate some of this costly pain. Also, all Group Health companies and insurance agents that offer them are not created equal.

Health Insurance – Eye-Catching Benefits You Can’t Pass Up!
Health insurance is a crucial package of benefits your pocket book can’t live without. Read on to learn why this coverage is important and what elements you should look for when you’re shopping for a health insurance policy.

A Few Words About Health Insurance
If your health, well-being and pocketbook are three things that are important to you, you probably understand the significance of health coverage. “But I don’t go to the doctor a lot,” you say. While you may not make many trips to the doctor, you never know when a medical emergency that could cost you thousands of dollars will occur; this is where health insurance steps in.

Disability Insurance Articles

Disability Insurance In-Depth
Disability Insurance protects your income. It provides income to you when the injury or sickness you obtain, does not arise out of  work.

Do You really need Disability Insurance?
Many individuals struggle to understand what disability insurance covers. There are two basic forms of disability insurance, short-term and long-term disability.

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