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Wintertime can bring extreme winter weather conditions, including snow and ice. These conditions can create a higher risk of property damage, including damage to your roof, interior and plumbing. Follow our tips to protect your home during the winter months.
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If you enroll in an eligible high-deductible health insurance plan that meets specific requirements, you have the option to open a health savings account (HSA). An HSA is a type of savings account that allows you to set aside money on a pre-tax basis to pay for qualified medical expenses. The untaxed dollars that you or your employer put in your HSA allow you to pay for deductibles, copayments, coinsurance and other qualified health-related expenses.
Homeowners and business insurance policies do not cover earthquake damage. You may want to consider an earthquake insurance policy. Those policies decrease financial losses in the aftermath of an earthquake. When you shop for an earthquake policy, don't forget about the deductible. A deductible is the amount the homeowner is responsible for paying on each claim.
If you need health coverage or want to change your Marketplace plan for 2021, you can do it between February 15 and May 15. In response to the COVID-19 pandemic and public health emergency, President Joe Biden issued an executive order that will allow families and individuals to enroll in health care coverage or change their Marketplace plans in most states. The new special enrollment period (SEP) means no qualifying life event is necessary for people to enroll in new plans or change plans. The SEP runs from Feb. 15 — May 15 in most states.
Scammers are taking advantage of the COVID-19 vaccination release, according to the U.S. Food and Drug Administration (FDA) and the Better Business Bureau (BBB). The FDA released several warning letters to companies attempting to sell illegitimate products. Be aware of the warning signs of vaccination scams.
Your home is insured for earthquake damage only if you've added an endorsement to your policy or bought a separate earthquake policy. There are steps you can take to be prepared should an earthquake strike.
Some insurance policies have a special deductible for losses caused by named storms. The insurer applies this deductible only when a named storm causes damage. This deductible is separate and different from the normal deductible in a homeowners policy. A deductible is the amount you, the policyholder, owe before your insurance company starts paying its share of the loss. Insurers do this to reduce their financial exposure. Here's what you should know about named storm deductibles.
A derecho (de·re·cho) is a widespread, straight-line wind event caused by severe thunderstorms. Because of how quickly derechos happen and the length of time they last, there is not much time for preparation, making them uniquely dangerous. According to the National Weather Service (NWS), derechos cause more deaths than EF0 and EF1 tornadoes combined.
More than 63,000 Mississippi homeowners currently have flood insurance through the National Flood Insurance Program (NFIP). An update to the program called Risk Rating 2.0 will change how flood insurance is priced and determine flood risk. The Federal Emergency Management Agency (FEMA) has touted the transformation as “equity in action” with policyholders no longer paying more than their share of flood insurance premiums. The Federal Government sets these rates.
Tornados can happen anywhere, at any time. According to ready.gov, tornado winds can exceed 200 miles per hour. No matter where you live, now is the time to prepare and reduce your risks.
Knowing how to navigate the claims process can help ease you through the recovery and rebuilding process with your insurance company. The NAIC offers this overview of handling a claim following a disaster.
When it comes to buying an insurance policy and filing claims, you'll want to be aware of the difference between replacement cost and actual cash value.
Severe weather can happen any time of the year. It's important to ensure that you and your family have a plan to stay safe. Read on to understand how your insurance policies work to help you recover if disaster strikes.
With students heading back to college campuses, now is the time to consider their insurance needs. For example, students living off-campus should consider renters insurance. Individuals with one or more unrelated roommates should know that each leaseholder needs their own individual renter’s policy.
If you're dissatisfied with the actions of your insurance company or insurance agent, you can file a complaint with your state department of insurance (DOI). Delays, denials, and unsatisfactory settlements are among some of the most common reasons for consumers to file complaints.
Severe weather can happen any time of the year. It's important to ensure that you and your family have a plan to stay safe. Read on to understand how your insurance policies work to help you recover if disaster strikes
Consumer protection laws govern many types of health insurance coverage, like plans purchased through an employer or the health insurance marketplace. But other types of plans aren't insurance and aren't required to protect consumers in the same way. Consumers who use health care sharing ministries (HCSMs), discount plans, or risk-sharing plans can best protect themselves by understanding the coverage they participate in.
