Posts Tagged ‘insurance’
How do I get health insurance for my dog?
May 22nd, 2012
Question by Gypsy Dancer: How do I get health insurance for my dog?
I’m looking into buying a dog and checking out different pet health insurance agencies. Is it worth it? How much does it usually cost for a healthy puppy/dog?
Best answer:
Answer by Malamute Breeder
When you first get a dog, you will probably be told by several people that you need to buy dog pet insurance. However you may not be at all clear as to exactly why you need it, especially if you haven’t owned a dog before and are aware of the situation. The cost varies with the type of dog and the age, shop around but i know my dog insurance policy has had a battering in the last two years and they paid out over two thousand pounds , thank god for my policy! LOL
If there is one reason for having dog pet insurance that you had already thought of, it is probably health insurance. That is, insurance to cover your vet’s bills if your dog is sick, or injured in an accident. It’s most unlikely that your dog will go through his whole life without a single disease or injury, and nowadays just one treatment can cost literally thousands of pounds. Dog pet insurance policies vary enormously as to what level of cover they provide for vet treatment, so you need to compare them carefully and see what best meets your needs.
However, there are several other reasons why it is important to take out dog pet insurance. Some of these may not have occurred to you if you haven’t had a dog before.
If your dog causes a motor accident, for instance by running out into the road, you will need insurance to cover you for legal advice and compensation payment. You are responsible for what your dog does, so the other party will sue you. If a serious injury is involved, the compensation could be huge.
Similarly, you can be sued if your dog bites someone, e.g. a postal or other delivery worker, or a neighbour. Of course, you need to keep your dog under control and train him not to bite people, as it would also result in him being put down.
If you have to be hospitalised and there is nobody to care for your dog, your dog pet insurance can pay for boarding kennels (if you have a policy that specifically includes this). The policy won’t pay for putting your dog into kennels while you go on holiday! However, if you have booked a holiday and your dog is sick or injured at the last minute, preventing you from going, you can have a policy that covers the cost of cancelling your holiday.
If your dog is lost or stolen, dog pet insurance can pay for advertising and rewards. Some policies will also cover replacement – some will even pay for bereavement counselling!
If your dog is hard to control, is disobedient or has other behaviour problems, a dog pet insurance policy can pay for advice and help from a dog training expert or a dog behaviour therapist.
Of course, many of these things may never happen – and you certainly hope they won’t. But sometimes they do, and it’s a good idea to consider right at the outset how you would cope if any of these things did happen. There are a number of good reasons for having dog pet insurance, but the most important one of all is – peace of mind.
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iMingle
May 16th, 2012
Chicago, IL (PRWEB) July 06, 2011
In the latest in a series of state rollouts, iMingle
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Is it important that your auto insurance company has an office in your town?
May 16th, 2012
Question by : Is it important that your auto insurance company has an office in your town?
It is the first time that I am buying auto insurance, and I am not sure which company to choose.
I am considering to buy Amica Mutual insurance. However, the problem is that, its closest office to me is 125 miles away. Is this gonna be an issue? Should I consider this when choosing my insurance company?
Best answer:
Answer by raina_vissora
No, strictly speaking it’s not important… but it can be helpful, especially if you’ve never bought a policy before. I found it was much easier to talk to someone in person rather than over the phone when I was trying to decide how much coverage I needed. Plus it can sometimes be easier to get a hold of a local agent than a regional agent if you need to make an immediate change to you policy (i.e. you buy a new car or need to add a second driver).
I personally like having my agent local… but you don’t *need* one.
What do you think? Answer below!
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What is the range in NJ for home flood insurance??
May 16th, 2012
Question by a.d.b.b: What is the range in NJ for home flood insurance??
we are buying a home we found out is definetly in a flood zone (though it has never flooded ever). Just wondering what you guys have found to be the range of flood insurance in NJ??
okay.. perhaps i didn’t clarify- I know you can get a quote but it requires you fill out all those forms and I was just wondering what people are finding to be the usual rates… that is all I need. Since we do not own the hosue yet I do not have all the info to fill out the forms or tell the guy.
Just your experiences or knowledge please in this matter… number wise
Best answer:
Answer by ernesto_tig
You don’t have to guess, go find out. The link below is for the flood insurance program; put in an address, get a quote.
***** NO FORMS REQUIRED
If you buy the house and you’re required to get a survey done, request a flood certification from the surveyor. Since he’s there already, he can kill …. you know
Good luck.
http://www.floodsmart.gov/floodsmart/pages/premiumest.jsp
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1971 Allstate Insurance Ad House Fire related
May 16th, 2012
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Insurance in Hyattsville MD – Massabni Insurance
May 16th, 2012
The Massabni Insurance Agency is committed to building lifetime relationships and treating you as a customer and not a policy. Our commitment is to make insurance easy. We pride ourselves on one-on-one customer service and will work with you to identify and assess your insurance needs, explain the options available, and help you choose a policy that provides superior protection. We offer auto, home, motorcycle, renters, business and life insurance coverage. Whatever your situation, our professional staff can help you address and understand your available choices. Serving Maryland, DC and Virginia.
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Homeowners Insurance Salado Tx | (512) 887-1484 | Salado Insurance Agency | 76537
May 15th, 2012
Homeowners Insurance Salado Tx (512) 887-1484 We are continuously working to provide the individual coverage you require. When it comes to protecting your auto, home, business and family, don’t leave it up to chance, or fly-by-night brokers. We take pride in our business and strive to be relationship specialists providing you with the total insurance solution for all your needs. Being insured with the best has its advantages. Not all homeowners insurance is the same and neither are insurance agents. It sometimes is not enough just to have someone to “sell” you insurance. It takes insight, forethought and just plain ole wisdom to make purchasing insurance go from being just another thing we have to take care of to being something that can save your bacon in a pinch. Whether you live in a mansion in the city, or a mobile home in the country, we have a market just for you. We try to tailor the coverage to fit your needs homeowners insurance salado tx auto insurance salado tx commercial insurance salado tx Salado Insurance Agency Insurance Agency Salado business insurance salado tx errors and omissions insurance salado tx
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How to be a smarter life insurance shopper
May 15th, 2012
Kathryn Hawkins
Do you have a life insurance policy? If so, you’re ahead of the game.
According to LIMRA, a trade group for the financial services industry, only 44 percent of Americans have individual life insurance coverage; 30 percent have no coverage at all.
So why are consumers dropping their life insurance policies or not buying coverage in the first place? Deloitte Consulting surveyed more than 2,000 Americans, both policyholders and non-policyholders, to gauge their thoughts on life insurance coverage.
While the survey’s primary goal is to help marketers sell life insurance, the results offer insights that consumers can tap to be smarter about buying life insurance.
Why are fewer people buying life insurance?
In the study, non-buyers cited a range of reasons for not getting life insurance.
1. I don’t need it.
Half of the people surveyed claimed that they didn’t need life insurance because they don’t have children, or that their dependents would be able to support themselves. However, that’s not necessarily a good reason to not pursue coverage, says Bob O’Brien, vice president of Maine insurance agency Noyes Hall & Allen.
“Even people who live alone and have no heirs will leave an estate that will incur final expenses,” O’Brien says. “These may include medical, funeral, cremation or burial. Life insurance provides the estate with funds to pay these expenses, reducing your burden on those left behind.”
2. I think it’s too expensive.
Just over half of the people surveyed said they’d like to buy life insurance but thought it was too expensive.
Deb Newman, chairwoman of the LIFE Foundation, a nonprofit resource for insurance consumers, believes most people don’t have an accurate sense of what life insurance costs. “Life insurance costs much less today than it used to,” she says. “There’s a lack of understanding around this, and we need to do a better job educating consumers.”
In fact, a study co-sponsored by the LIFE Foundation and LIMRA found that less than one-fifth of consumers correctly estimated the cost of a life insurance policy. Survey respondents were asked to estimate the annual cost of a 20-year, $ 250,000 term life policy for a healthy 30-year-old. The actual cost is roughly $ 150, but Americans pegged the cost at $ 400.
3. I don’t trust the industry.
One-fourth of those surveyed cited another motive for not purchasing a policy: They don’t trust insurance agents or companies.
Newman says it’s common for consumers to be cautious about the prospect of being talked into buying insurance policies that they don’t want or need. The best remedy, she says, is educating yourself.
She recommends visiting lifehappens.org and other online resources to analyze your life insurance needs before speaking with a life insurance company or agent.
“Tell an agent, ‘I’ve done some work on my own, and this is what I believe to be my need,’” Newman says.
Typically, the agent’s analysis will be closely aligned with your own. If the cost winds up being much higher than your own estimate, you may want to speak to several other agents to see whether their quotes match up or to find out the reason for the disparity.
4. I don’t have the opportunity.
A final reason given for not buying life insurance is a lack of opportunity. Consumers who don’t gain life insurance benefits through their employers rarely receive offers to buy policies independently, and they’re often confused about the process of purchasing it on their own. Two-thirds of the people surveyed said they’d had no offers to purchase insurance, and one-fourth said the application and purchasing process was too complicated.
Newman thinks insurance agents need to do a better job of reaching out to consumers as their life circumstances change.
“I’ve been in the insurance business for 33 years, and when I started, you could call someone to talk about insurance when they’d just gotten married or had a baby,” she says. “No one is doing that anymore.”
She suspects one factor may be that more people are living together in committed relationships without getting married, and neither agents nor consumers are bringing up the need for life insurance at this point.
Newman says that consumers should take more responsibility, no matter the legal nature of their relationship. “They should look at their circumstances and say, ‘Do I have responsibility to make sure this person will be OK if something happened to me?’”
The downside of group coverage
Often, the decision to purchase life insurance is tied to a new job’s benefits package. Forty-four percent of those surveyed had purchased coverage through an employer.
While group coverage can be a practical option in some cases, it does not always provide coverage if you leave a job. Twenty-two percent of uninsured respondents had lost coverage after losing a job that offered the benefit.
Additionally, O’Brien says, “the amount of insurance is low. Group life insurance face amounts are usually a small multiple of your salary,” often equivalent to little more than one year’s pay, he says. “If you’re like most people, your dependents would need much more money than this to replace your lost income.”
O’Brien recommends that consumers look into buying individual life insurance even if they’re eligible for group policies. In many cases, he says, younger people may pay less for individual policies, since they’d otherwise be lumped in with older co-workers.
More education
Many of the study’s findings point to a need for the insurance industry to do a better job of educating consumers about the role that life insurance should play in their financial planning.
In a notable example, 30 percent of consumers who hoped to buy life insurance in the future said they’d buy less than $ 50,000 worth of coverage.
Why so little? Newman says there’s a misconception that life insurance’s main purpose is to cover funeral expenses.
“They might only need $ 10,000 for that, so $ 50,000 should be plenty, in their minds,” she says. “Most people don’t think of life insurance as a way to protect the future income needs of their families.”
She recommends talking with insurance agents and financial advisers to determine the actual value of your income to your family.
“Your ability to earn an income is your most important asset, so it’s much more important to insure your life value than to insure the things that you own,” she says. “Take personal financial responsibility to ensure that your family is protected.”
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Insurance Commercial Parody When Good Money Turns Bad – Waist Apron With Pockets
May 15th, 2012
Insurance Commercial Parody When Good Money Turns Bad – Waist Apron With Pockets
Insurance Commercial Parody When Good Money Turns Bad Apron is commercial quality product. Whether it’s put to use in a restaurant or home, this apron will always help keep you clean. 100% cotton with Teflon finish for added protection. 1″ wide neck and waist ties, adjustable neck strap for full and medium length aprons.
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How much does property taxes and house insurance go up every year?
May 15th, 2012
Question by mimi: How much does property taxes and house insurance go up every year?
My husband are first time home buyers so we are still learning a lot. We are calculating a home which we can afford. We are also calculating the monthly payment that is going to be most comfortable for us. I am nervous though, about continue increase of taxes or house insurance which will obviously raise my monthly payment every every year. so basically I am asking, for your home owners what have you experienced in cases of your monthly payment going up because of increased property taxes or insurance?
Best answer:
Answer by RUSerious
It depends on where you live. As to the assessed value of the home that you are considering purchasing, go to your county’s website and trace the increases in value that have already been assigned to this property. Then go to your county’s tax collector’s website to see how much the previous owner has been paying over the years.
As to home insurance, that is something you will need to address with the company from whom you intend to purchase home owner’s insurance. This will vary somewhat from company to company.
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