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    Category: Insurance

    Five Tricks Insurance Companies Use to Deny Claims (and How to Avoid Them)

    Posted on May 29, 2025 by resourcefulman

    Insurance is a modern necessity, and it can often be a lifesaver. When disaster strikes, whether it involves your property , your business, or your […]

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    Insurance

    Five Reasons You May Qualify for Lower Auto Insurance Premiums

    Posted on March 6, 2025 by resourcefulman

    Like homeowners insurance, auto insurance is becoming significantly more expensive, with data showing policy costs rose 11% last year, likely due to factors such as […]

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    Insurance

    What Homeowners Insurance Actually Covers (and How Much You Should Have)

    Posted on January 15, 2025 by resourcefulman

    As Los Angeles County continues to battle devastating wildfires , you may be wondering about the safety of your own home. More specifically, how will […]

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    Insurance

    Here’s What You Should Do If Your Insurance Company Denies Fire (or Flood) Coverage

    Posted on January 9, 2025 by resourcefulman

    Los Angeles County is currently suffering from apocalyptic scenes of deadly, out of control wildfires. Unfortunately, insurance does not function the same way as a […]

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    Insurance

    Four Situations When Supplemental Health Insurance Makes Sense (When You’re Not Retired)

    Posted on December 13, 2024 by resourcefulman

    There is probably no topic less exciting and more annoying than health insurance . The whole experience is frustrating for most people: navigating the plans […]

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    Insurance

    What Homeowners Insurance Will (and Won’t) Cover If Your Holiday Party Goes Awry

    Posted on December 10, 2024 by resourcefulman

    “Tis the season of holiday gatherings, twinkling lights and potential insurance headaches. Before you deck the halls and invite your whole group of friends, let’s […]

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    Insurance

    Get a CLUE Report If Your Home and Auto Insurance Rates Seem Too High

    Posted on November 22, 2024 by resourcefulman

    Auto and homeowners insurance rates have risen sharply in recent years. The average homeowners insurance policy costs $231 per month , and the average person […]

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    Insurance

    Why You Need to Apply for Homeowners Insurance ASAP After a Natural Disaster

    Posted on October 11, 2024 by resourcefulman

    After a natural disaster, especially one that causes significant damage to your property and community, the prospect of seeking homeowners insurance can seem overwhelming. However, […]

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    Insurance

    How to Take an Inventory of Personal Property (and Why You Should Do It Once a Year)

    Posted on September 13, 2024 by resourcefulman

    If you own a home, chances are you have homeowners insurance —more than 90% of homeowners have some kind of insurance. Most mortgage lenders require […]

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    Insurance

    Three Things You Should Insure

    Posted on July 8, 2024 by resourcefulman

    Insurance is often a necessity, an expensive necessity. Car insurance costs an average of $1,718 per year for full coverage, health insurance can cost over […]

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    Insurance

    When to Take Cash After a Car Accident (and When to File an Insurance Claim Instead)

    Posted on June 18, 2024 by resourcefulman

    Any car accident you walk away from is, relatively speaking, a positive outcome, but even minor fender benders can cause you a lot of hassle: […]

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    Insurance

    Why You Should Use AM Best Ratings Before Buying New Insurance

    Posted on May 23, 2024 by resourcefulman

    When purchasing any type of insurance policy, it is important to consider the financial strength of the insurance companies themselves—after all, the whole point of […]

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    Insurance

    You May Need Car Insurance Even If You Don’t Own a Car

    Posted on May 17, 2024 by resourcefulman

    Cars are expensive – even used cars are no longer a cheap option. So it’s not surprising that people living in areas where a car […]

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    Insurance

    How Much Car Insurance Coverage Do You Really Need?

    Posted on May 15, 2024 by resourcefulman

    Car insurance is a necessity, but it is not universal for everyone. Your state requires minimum coverage, but it may not be enough to provide […]

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    Insurance

    Why Gig Workers Need Business Insurance (and How Much They Should Buy)

    Posted on May 3, 2024 by resourcefulman

    As a freelancer , you are essentially a sole proprietor providing services on a freelance or contract basis. While the gig economy offers greater flexibility, […]

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    Insurance

    How to Avoid Being Forced to Place Insurance on Your Home or Car (and Why You Should Do It)

    Posted on March 14, 2024 by resourcefulman

    Owning a home and a car is a funny thing. Since most people have to take out loans to buy a house or car (even […]

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    Insurance

    Why You May Need Mechanical Breakdown Insurance for Your Car

    Posted on March 14, 2024 by resourcefulman

    Most of us rely on cars in our daily lives. Nearly three-quarters of Americans commute by car, and nearly 90% of us use cars to […]

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    Insurance

    All the Differences Between HSA and FSA

    Posted on February 2, 2024 by resourcefulman

    Health savings accounts (HSAs) and flexible spending accounts (FSAs) are two common types of tax-advantaged accounts that can be used to pay for medical expenses. […]

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    Insurance

    When You Should Use an Insurance Check for Repairs (and When You Can Keep It)

    Posted on December 13, 2023 by resourcefulman

    Insurance is something you probably don’t think much about until you need to use it. This can make your insurance payout—whether for a car accident […]

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    Insurance

    Nine Things You Need to Tell Your Home Insurer

    Posted on December 12, 2023 by resourcefulman

    Purchasing a home comes with a lot of inevitable bills, be it repairs and renovations or essentials like homeowners insurance , which is surprisingly expensive. […]

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    Insurance

    How to Get Health Insurance If You’re Self-Employed

    Posted on October 24, 2023 by resourcefulman

    Self-employment gives you the freedom and flexibility to be your own boss. However, one of the major disadvantages of being your own boss is securing […]

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    Insurance

    Avoid These Common Mistakes During Open Enrollment

    Posted on October 4, 2023 by resourcefulman

    Open enrollment for the next year of the US Health Plan begins on November 1, and the process can be challenging, to say the least. […]

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    Insurance

    When You Should (and Shouldn’t) File a Home Insurance Claim

    Posted on May 19, 2023 by resourcefulman

    Homeowner’s insurance is a recommended (and, if you have a mortgage, required ) investment in the safety of your home. While these policies help mitigate […]

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    Insurance

    Don’t Risk Losing Your FSA Funds This Year

    Posted on November 4, 2022 by resourcefulman

    If you have a Flexible Spending Account (FSA), the time required to use your remaining balance expires. During the pandemic, you may have taken advantage […]

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    Insurance

    Don’t Forget Obamacare Open Enrollment Deadlines

    Posted on October 25, 2022 by resourcefulman

    Whether you’re one of the estimated 35 million Americans enrolled under the Affordable Care Act or you’re applying for a health plan through the marketplace […]

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    Insurance

    How to Find Out How Much Your Health Insurance Will Pay in Advance

    Posted on July 5, 2022 by resourcefulman

    Last year, hospitals had to publish lists of the prices they charge for each procedure . Access to the data was not easy, and the […]

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    Insurance

    Is It Worth Insuring Any Parts of the Body?

    Posted on April 21, 2022 by resourcefulman

    Body parts insurance has long been part of our cultural mythology. Jennifer Lopez has been plagued by rumors for years that her butt is insured, […]

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    Insurance

    Everything You Need to Know About Health Insurance but Are Too Embarrassed to Ask

    Posted on March 22, 2022 by resourcefulman

    Whether your employer offers you health insurance or you get it through the Affordable Care Act marketplace, most plans use the same words to describe […]

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    Insurance

    Where to Get Compensation for Spoiled Food After a Power Outage

    Posted on January 13, 2022 by resourcefulman

    As cold, sleet, ice and snow fall in many areas of the country, the threat of power loss is becoming more and more serious. While […]

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    Insurance

    Will Your Health or Life Insurance Rates Go up If You Don’t Get the Vaccine?

    Posted on September 16, 2021 by resourcefulman

    When you hear that Delta charges unvaccinated employees $ 200 a month to enroll in the company’s health plan, you may wonder if your vaccination […]

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    Insurance

    What to Do If You Are About to Forfeit Your Federal COBRA Grant

    Posted on September 2, 2021 by resourcefulman

    The COBRA Extended Subsidy, which temporarily covers 100% of your unemployment premiums, ends October 1 . The program allows you to keep your former employer’s […]

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    Insurance

    Why You Shouldn’t Wait to Get Flood Insurance (Beyond the Obvious Reason)

    Posted on September 1, 2021 by resourcefulman

    Hurricane Ida devastated Louisiana and threatens ” once in a lifetime flood even t” in the northeast in the next few days – a grim […]

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    Insurance

    How to Qualify for Free Health Care If You Are Unemployed

    Posted on July 6, 2021 by resourcefulman

    Effective July 1, unemployed Americans are eligible for huge Obamacare subsidies, which for 60% of them reduce their insurance premiums to $ 0 a month. […]

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    Insurance

    That’s When You Need Insurance for Your Collectibles

    Posted on May 28, 2021 by resourcefulman

    It is easy to assume that your collectibles are covered by homeowners ‘or renters’ insurance, but this is not always the case. Often, you only […]

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    Insurance

    Don’t Miss the Affordable Care Act Deadline Today

    Posted on December 15, 2020 by resourcefulman

    For many people, today is the last day they can enroll in the federal government-subsidized health insurance system for 2021, as open enrollment in 36 […]

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