Home warranties vs. home insurance: What are the benefits?

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Homeowners Insurance vs Home Warranties

Owning a home comes with a lot of responsibility in terms of protecting your belongings and the house itself. Having a home warranty and insurance coverage can relieve some of the stresses that come with leaky plumbing and broken appliances. There is definitely a risk associated with choosing to use a home warranty or insurance company, but should something major happen, having one or both of these services can save a lot of money. The main difference between a warranty and homeowners insurance is that home warranties cover appliances and systems…

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Opt in before Mandatory Health Insurance Hits

Guest Author
health care reform

With the Affordable Care Act set to be fully implemented in January of 2014 how much thought have you given to how the law will affect you?  Starting January 1st Americans will be required to purchase health insurance or pay a tax penalty. Before you get defensive or incited, take a moment to think about your options. The numbers Some people are already saying that they would rather choose to pay the penalty instead of buying health care coverage for themselves.  Here’s the skinny on that penalty.  For the 2014…

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Does Home Insurance Cover Insect or Pest Damage?

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pest vs homeowners insurance

Most standard home insurance policies purchased today cover damages caused by storms, fire, and theft. It may be possible to find coverage for  collateral damage caused by insects and other pests, but generally this  type of protection is not available. The question of whether or not your home insurance covers insect or pest damage can be answered by first determining how the insurance company views  this type of risk as an insurable event and the type of infestation problems you are experiencing in your home. The Purpose of Home Insurance…

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Using a Vehicle Tracking Device to Lower Your Insurance Premiums

Guest Author
vehicle tracking

Insurance premiums are rising year on year… this is down to more cars being on the road and more careless driving as people take more risks to get to work on time. This year it is predicted there could be a further rise of between 3-10% on insurance premiums due to reinsurers (the insurers for the insurance companies) increasing their own premiums because of a concern over how easy insurers are paying out. The issue is that it is generally a small proportion of drivers who actually have accidents regularly…

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3 Types of Corporate Insurance You Must Have to Stay Protected

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corporate insurance

Businesses engage in inherently risky behaviour. It’s impossible to guess at how the consumers might react to a corporation’s actions. If your company gets sued, you’ll want the right type of insurance cover. Likewise, if something happens to key employees within your operation, you’ll want insurance coverage that protects your business and keeps the doors open. General Liability Cover Every business has at least some need for general liability coverage – assuming that customers come to your place of business. General liability covers you if someone is injured on your…

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