When we mention crime, even white-collar crime, insurance fraud is not what immediately comes to mind. Yet, insurance fraud has lately become one of the front-runners among the most often prosecuted white-collar crimes in New Jersey.

In fact, New Jersey has the toughest criminal insurance fraud statutes in the country. The Health Care Claims Fraud statute, N.J.S.A. 21-4.3 and the Insurance Fraud statute, N.J.S.A. 2C:21-4.6, make many acts of insurance fraud second-degree crimes. For starters, a second-degree crime in New Jersey carries with it a prison term of up to ten years and fines of up to $150,000.

The vast majority of insurance fraud cases in New Jersey are investigated and prosecuted by the Office of Insurance Fraud Prosecutor (OIFP) and these cases involve all thinkable areas of insurance fraud, including health, life, disability, auto, homeowners’ or commercial insurance coverages.

According the 2007 OIFP report, there was “a 10% increase in criminal sentences over last year’s figure and sent defendants to prison for a combined total of 147 years”. The report exemplifies the wide array of individuals who found themselves in trouble for insurance fraud: ” In 2007, OIFP recorded OIFP won convictions of four former police officers, two of whom will serve a total of 12 years in State prison. Four licensed health care providers received State prison sentences totaling 12 years. A licensed insurance agent was sentenced to a five-year State prison term. An auto body shop owner and his accomplice were sent to State prison for a total of nine years. The sentences imposed on several members of vehicle theft rings totaled 77 years in State prison, over $1.8 million in restitution, and $9,500 in civil insurance fraud fines”. The list goes on.

So, what is “insurance fraud” made of? One large area of Insurance fraud in New Jersey is Automobile Insurance Fraud. The most popular crime here is auto theft and “give up schemes”, where the owner or lessee of a car abandons the car or gives it up to a someone who agrees to dispose of the car. Next come staged accidents and fraudulent Personal Injury Protection Claims and criminal use of “runners”. These types of cases normally involve organized rings of “runners”, medical providers, and lawyers. Vehicle Insurance policies in New Jersey provide medical benefits for persons injured in car accidents as part of Personal Injury Protection (PIP) coverage. PIP insurance typically covers diagnostic testing and treatment for persons injured in automobile accidents. In many cases, uninjured passengers involved in accidents are contacted by “runners” who convince them to file claims for “soft tissue” injuries, such as “whiplash”. Such injuries are not easily verifiable by x-rays and MRI. In the end, “runners” receive their illegal commissions, medical and chiropractic mills provide unnecessary medical services, including fake diagnostic and treatment, for which they bill, and lawyers file unwarranted lawsuits.

Other case involving New Jersey Automobile Insurance Fraud are selling and buying fake insurance ID cards and insurance agent fraud where licensed agents steal insurance premiums or are engaged in fraudulent premium financing schemes.

Another large area that pays bills for New Jersey insurance fraud criminal defense attorneys is Health Care insurance fraud. Most such cases involve submitting fraudulent claims for payment for health care services that were never provided and received. The most often targeted individuals here are New Jersey doctors, dentists, chiropractors, nurses, physical therapists, pharmacists, and social workers.

The most widely used tool in New Jersey heal care insurance fraud prosecutions is the Health Care Claims Fraud status, N.J.S.A. 2C:21-4.3 that makes it a crime for any health care provider just to submit a false claim to insurance companies, no matter what the amount is. A non-provider only needs to submit a false claim for $1,000 to have committed a second-degree crime. Other criminal charges used in prosecutions of New Jersey health care insurance fraud cases are usually charges of theft, conspiracy, and falsifying records.

Another area of New Jersey insurance fraud is life and disability insurance fraud, both governed by the Insurance Fraud Statute, N.J.S.A. 2C:21-4.6. Life insurance fraud offense is submitting a claim that falsely represents death of a claimant or otherwise misrepresenting important facts concerning the claim. Disability fraud involves faking a non-existing condition in order to receive benefits or knowingly failing to disclose new income.

Probably the largest single area of New Jersey Insurance Fraud is Medicaid fraud, which is investigated and prosecuted by the OIFP’s Medicaid Fraud Section. New Jersey Medicaid Fraud can be committed by any health care provider that participates in the Medicaid program. New Jersey physicians, dentists, clinics, chiropractors, pharmacists, laboratories, nursing homes, etc. are routinely prosecuted for New Jersey Medicaid fraud.

The basic New Jersey Medicaid fraud crime involves billing the Medicaid program for services that were never provided or might not be provided by the billing provider, or when the amount billed exceeds the costs of services performed (over billing). Other Medicaid fraud charges in New Jersey may be associated with charges of patient abuse and criminal neglect.

Another related New Jersey Medicaid fraud area is Medicaid prescription and drug diversion fraud. This involves pharmacies billing Medicaid for drugs that were not actually dispensed. Doctors, who sometimes form “partnerships” with pharmacies to engage in this fraud, are understandably find themselves in deep trouble as well.

Home health care fraud is the last largely prosecuted New Jersey Medicaid fraud crime. Medicaid pays for personal care provided for eligible beneficiaries by certified home care assistants, aides, and nurses, all of whom must be certified and licensed by the State to participate in the program. Criminal activities in this are involve billing for services that were not provided, employing non-certified providers, and lying in the certification process.

New Jersey insurance fraud is a wide area and persons facing any of the insurance fraud charges should seek legal counsel as soon as they discover that they are under investigation. A consultation with a competent New Jersey fraud defense attorney is absolutely indispensable.

Source by Joseph Potashnik

“Home insurance is only for people who own homes, right? And I rent my home (apartment, condo), so why do I need renters insurance?”

Fact is, you do need renters insurance unless you want to risk losing everything you own. Read on to learn the truth behind common renters insurance myths.

Myth: As a Renter I’m Covered By My Landlord’s Policy

Your landlord probably does have home insurance covering the property you rent. But it only covers the building itself. It will not …

* Cover your possessions if they are stolen or damaged.

* Provide you any money for living expenses if your home is damaged and you have to live elsewhere during repairs.

* Cover you if someone is injured while visiting you.

You need to buy renters’ insurance to provide these coverages.

Myth: I Don’t Have Enough Possessions to Buy Renters Insurance

You may not think you have very much stuff, but if you take an inventory you’ll be surprised at how much you actually own. Walk from room to room in your house and write down everything you own, including:

* Sports equipment, such as bikes, skis, tennis rackets, etc.

* Electronic equipment, including television sets, computers, cameras, phones, music players, etc.

* Clothes and shoes

* Furniture and appliances

* Books

* Linens

* Kitchen items, including pots and pans, silverware, dishes, and utensils

* Tools and hobby equipment

* Jewelry and collections

Now think about how much it would cost to replace all these items!

Myth: I Can’t Afford Renters Insurance

Renters insurance costs less than you think. The average cost is $200 a year ($16 a month) for $30,000 worth of property coverage and $100,000 worth of liability coverage.

To make sure you get the best rate on your renters insurance, go to an insurance comparison website where you’ll get fast quotes from multiple A-rated insurance companies. The best insurance comparison websites also let you talk with insurance professionals to get answers to your rental insurance questions (see link below).

Visit http://www.LowerRateQuotes.com/renters-insurance.html or click on the following link to get the best renters insurance quotes online from top-rated companies and see how much you can save. You can also get more insurance tips there.

Source by ryan@thesatellitetvguide.com

When each driver involved in an accident are fully insured, then covering the cost of the damages usually is straightforward. However, in many cases, one or both of the drivers are underinsured, or not insured at all. Underinsured means that the driver has insurance, but it is not sufficient to cover all costs involved in the accident. An uninsured driver is someone who is operating their vehicle without any insurance at all. Although it is against the law to drive in either of these conditions, many people do anyway, and the amount of accidents involving insufficient insurance is increasing every year.

A driver who is involved in a car crash with a driver who has no insurance or has insufficient insurance, then their insurance company would cover the costs if the driver had included uninsured/underinsured motorist coverage in their insurance policy. This takes care of medical expenses, property damage, and other compensatory damages. An insurance policy that includes uninsured motorist coverage can also play an important role in cases or injuries that are due to a hit-and-run car accidents. Uninsured/underinsured motorist coverage can also be utilized if a pedestrian is hit by a motor vehicle.

It is extremely risky to drive without insurance or without proper insurance, so always be sure that your insurance is up to date and covers all of your motor vehicles’ needs. If you have proper insurance, then your insurance company should cover the costs of an accident in the case that you are at fault. If the other driver is at fault, then their insurance should pay. However, in the case that the other driver does not have insurance or their insurance isn’t sufficient, it is wise to have an insurance plan that covers you even if you are hit by someone without insurance.

Even though a driver has the right to take legal action against an underinsured or uninsured motorist, if their insurance does not cover uninsured/underinsured motorist coverage,they are not guaranteed money because the other person involved in the accident may not have the assets to pay for the judgement. For this reason, having uninsured or underinsured motorist coverage in your insurance policy is a good idea.

If you have suffered injuries from an automobile accident, it is possible that you will have a successful legal case. If you would like to contact a lawyer, please use the Find Attorney button at the top of the page.

Source by Peter Kent

Are you looking for a way to find the best rates on auto insurance? If you have teenagers that you need to insure on your policy, you are probably thinking that there is no such thing as an affordable policy rate. But there are ways that you can save money on your car insurance, and save on car insurance for teenagers. If you are adding a teenager onto your existing policy, you probably have discovered that your insurance rates took a steep increase.

Teenager drivers are typically very expensive to insure, and most people don’t take the time to look around for insurance quotes when it is time to add one onto their policy. If you have been with the same insurance company for years, you are probably thinking that you are going to get the best rates by sticking with them, but you could actually save a lot of money by getting multiple auto insurance quotes online for free. The best thing about getting multiple quotes online is that you are able to see what other companies are available, and what is going to be the best in service and price for you.

If you want to get more information on getting free online insurance quotes for car insurance for teenagers, you can check out http://carinsurance4youngdrivers.org. The web site has all of the information and links that you need to find the best quotes and the best kind of policies that you need. If you have already checked what your new rates are going to be with your car insurance company, and have found that they are really high, you may want to do some checking before you add on your teenager to the policy.

It only takes a few minutes of your time to go online and request multiple car insurance for teenager quotes. You can enter in all of the information that you would be changing on your policy, and within a few minutes have results to your email with all of the possible matches for your quotes. You can add in whatever criteria that you would like, so the results that are delivered to you are exactly what you are looking for.

Don’t assume that you will always get the best rates with the insurance company that you have been with for years. Adding young drivers onto a policy can be very expensive, and you should take time to look around and get quotes from reputed sites to see what else is available that could help you save money on your car insurance and still get the coverage that your entire family needs.

Source by arielbird1217

People who have pre-existing conditions were once deemed uninsurable. Pre-existing conditions is one of the reasons 30 million Americans live their lives without health insurance. In the past, a family could be faced with a huge sum of debt and financial problems after an unexpected medical emergency. Afterwards, if these people suffered from a recurring condition, they wouldn’t be able to get uninsured. The fact is insurance companies want to pay for future events; they don’t want to pay for something that has already occurred.

Many people in the United States, including people who had suffered a heart attack, stroke, cancer, and other health problems are considered people with pre-existing conditions. Opponents of the American health insurance system believe that the system is unreliable and needs to be changed. Why does the system make it so difficult for people who need the insurance the most to get it? With President Obama’s new health care plan, there will be some change.

Pre-existing conditions excluding women

Cancer- Studies have found that one out of eight women in the US is likely to get breast cancer during their lifetime. Many women also suffer from skin cancer and lung cancer.

Diabetes and heart disease are 2 other conditions which cause women to be excluded from health insurance coverage.

Women were not only charged higher premiums than men but they have more difficulty finding a health insurance plan that will cover these needs. Some insurance companies even list domestic violence as a pre-existing condition.

When will this bill take effect?

The health care reform bill won’t take effect for years, but the first to gain from this bill will be children with pre-existing conditions. Soon, companies will be forces to rescind their exclusions on children, however adults with pre-existing conditions won’t benefit from the new bill until 2014.

Currently, about 35 states have high-risk pools which help uninsured individuals with pre-existing conditions. As one can see, some states are excluded and do not offer this benefit. In the short term, people with pre-existing conditions that haven’t been insured for 6 months or more will become eligible to get subsidies which will help them pay for their premiums; the federal government will try to make their risk-pool more affordable than state run pools.

One of the problems though is that some individuals with pre-existing conditions will still have premiums up to 125% of the cost of a healthy person. The maximum out-of-pocket cost sharing will be $5,950 per individuals and about $12,000 per family. Federal insurance pools will stay in effect until 2013 and dissolve in 2014 when insurance companies will have to offer health insurance to everyone, even people with pre-existing conditions.

Source by Wojciech Albert Ciszewski

You can locate plenty of clientele contacting them by telephone.  Telemarketing insurance leads can provide a source of reliable and profitable business.  You can spend the time to make calls on a regular basis and you can also find a telemarketing company to help you reach your goals.

Hiring a Telemarketing Firm

You can hire a telemarketing firm that specializes in securing qualified life insurance leads.  They have the expertise on how to reach your potential clients and the staff to take the time making the calls.  They have access to various types of lists and can create a list based on the criteria you’re looking for, such as new homeowners or those who have refinanced their homes in the past few months.

While they are working on connecting with potential clients for your business, you can spend more time making personal contacts, writing policies and following up with your existing clients.  The firm you hire can also set appointments for you, and all you’ll have to do is show up at the locations of your potential clients.

Outbound Calls

Utilizing a professional telemarketing firm to make your calls for you will save you time as they can reach out to several people at once.  Your telemarketing campaign can be conducted by a team of callers as opposed to you calling on only one person at a time.  

Not only can they make multiple calls during the day, they can pre-qualify the telemarketing leads for you.  You will only get the names of the people who are in the market to purchase insurance, and they can gather all pertinent information from them so you know ahead of time what their needs are.  Because you’ll know what products would fit their circumstances, you can have an illustration already prepared when you arrive at the appointment.

Inbound Calls

Your telemarketing company can prepare a direct mail appeal that will grab prospects’ attention and make them want to call for more information.  Obviously, if they mail out to hundreds of people at a time you will need to be available to take calls as they come in.  The telemarketing firm can be trained to effectively answer questions and then direct the caller to you for even more information.

They can provide a toll-free number for people to call as well as flexible hours of assistance.  People can call regarding your mailing at any time during the day or evening and receive the assistance they want without having to leave a message or wait for you to call back. While you are sitting with a client and completing their application for insurance, a telemarketer could be on a call with a potential client setting up your next appointment.

Even in the age where people are communicating through emails and text messages, the telephone can still provide a valuable source of telemarketing insurance leads.  You can pick and choose the types of services they provide for you as well as determine the amount of money you want to spend on your telemarketing campaigns.

Source by Howard Boyd

If you are like most automobile owners, you have probably shopped for auto insurance at least once in your lifetime. And like most of those people, you may have wondered whether there was really anything that you can do to lower the price of your insurance. Well, the good news for you is that there are certain steps you can take to lower your auto insurance premium. Some of the information provided in this article may seem obvious or be viewed as common knowledge by some people, but we hope that you are able to take away at least a couple pieces of information that will help you lower your annual auto insurance premium. If you can, then we have accomplished our goal!

Auto insurance companies generally take into account several factors when determining your rate, such as driving record, geographical location, vehicle model, coverage limits, vehicle safety features/anti-theft devices, operator discounts, prior insurance, and age. (And in some states and with some companies–sex, marital status, where the vehicle is kept at night, and credit score are also factors) While many of these factors are difficult, if not impossible, to change, there are still some relatively simply steps you can take to save money.

The 11 steps you can take to lower your auto insurance premium are:
(Note: we have tried to list the steps from the most obvious to the least obvious)

1.) Needless to say, try to avoid being involved in accidents or receiving moving violations by driving defensively and obeying all traffic laws–This is by far the most important way to reduce your auto insurance premium (plus it is safe and smart!).

2.) If you already own a registered vehicle, make sure to keep your insurance current, without a lapse in coverage, since many insurance companies provide much better rates to individuals who already have current insurance and have an established history of insurance coverage. Note: If you have had a lapse in insurance on a registered vehicle, we recommend getting insurance coverage as soon as possible and THEN do more shopping for better rates. Since you will have re-established your insurance, you will now be (PRESTO!) an insured motorist and most likely able to secure a better insurance rate immediately with another company.

3.) If you have an anti-theft device on your vehicle, make sure to let your insurance company know about it. If you do not have an anti-theft device already installed, consider adding one if you have comprehensive coverage on your vehicle. Insurance companies generally offer discounts for anti-theft devices from 5% to 20%, or more, of your comprehensive coverage premium, depending on the type of anti-theft device. Vehicle recovery devices (e.g., Lo-Jack or On-Star) generally provide the biggest discount, with automatic anti-theft devices (i.e., those that arm themselves) probably being second on the list, and passive anti-theft devices (i.e., those that you must arm) and window glass etching or ignition shut-off mechanisms probably providing less of a discount. Of course, before installing an anti-theft device you will probably want to compare the savings you will receive by adding it to the total cost of installation. Depending on the cost of installation, it may not be cost-effective to install it.

4.) Check with your insurer to find out whether they offer discounts for attending a defensive driving course. These courses may normally be taken by drivers of all ages. Discounts vary by state and from company to company, but by paying a small fee and spending a few hours of your time for a defensive driving course, you may be able to save yourself approximately 5% to 10% or 15% of your TOTAL insurance premium. Note: If you are over age 55, ask about a special “Mature Driving Course” or “55-Alive Driving Course” discount. Also, if there are multiple drivers on your policy, ask whether you can receive a larger discount if all of you take the course–some companies will offer larger discounts, some won’t, but if you ask, you can at least decide which driver/s on your policy should take the course to maximize your discount.

5.) For youthful operators (generally considered to be drivers under the age of 25), make sure you ask the insurer what discounts they may be eligible for. This may seem obvious, but it is amazing how many people miss out on significant savings because they forget to ask about specific discounts for younger drivers. Driver’s Ed or Driver’s Training and Good Student discounts are the most common types of discounts for youthful operators, but always ask if other discounts may apply.

6.) Always notify your insurance company when you have changes that may be beneficial to you. For instance, if you were single and are now married, make sure to let the insurer know. If you used to commute a far distance to work, but now have a shorter commute or work out of your home or are retired, you will most likely be eligible for a lower rate. If you used to park your car in your driveway or on the street and now park it in an enclosed or covered garage or shed, you may get a lower rate. As a basic rule of thumb, if it seems to you that you are less of a risk due to some change in your life, chances are your insurance company will think the same thing and give you a lower rate.

7.) Check rates for higher Bodily Injury (BI) limits. That’s right, HIGHER limits! Believe it or not, it may be substantially cheaper for you to have limits for BI coverage of 50/100 or 100/300 than it is to have the state minimum coverage. One of the reasons for this odd phenomenon is that insurance companies consider you to be less of a risk if you are the type of individual who would be conscientious enough to have higher limits of BI coverage. Insurance companies have shown statistically that drivers who have higher BI limits are, overall, better risks and less likely to be involved in accidents or losses. Therefore, you can insert yourself into this group of drivers that is viewed more favorably by your company by carrying higher BI limits. Note: If you currently carry lower BI limits, your insurance company may not immediately rate for the change–you may have to wait until the next renewal to see a price change, or, in some cases, you may have to increase your BI limits and then shop for other insurance so that companies give you “credit” for your higher limits.

8.) Consider taking full coverage off of that older vehicle that is paid for. Many, many people carry full coverage on an older-model vehicle they own that may only be worth a couple thousand dollars. Even if they have a total loss of their vehicle, they may only receive a small amount of money for their vehicle after the deductible is taken into account. Yet, they may be paying several hundreds of dollars extra every year for full coverage. To save money, compare what you would receive for your vehicle if you had a total loss to what it costs to carry full coverage, and then make an educated decision. Note: Taking full coverage off of an older vehicle probably makes the most sense when the drivers of the vehicle have a good driving record, since they are even less likely than the average person to have an accident and file a claim.

9.) If your credit score has recently improved, contact your insurance company to find out whether they will re-run your credit score to possibly give you a lower rate. Most auto insurance companies now use credit in one form or another to accurately rate a policy. Whatever your personal opinion is of this practice, it is the standard method of operation for most auto insurance companies. (Note: There are states that have made laws against use of credit for auto insurance rating purposes. In these states, this step will not help you.) Because your credit score is a MAJOR factor with some companies, an improvement in your credit may save you a LOT of money, but only if you request that they re-check it).

10.) Check on how much it would cost to add comprehensive coverage, collision coverage, or both to your vehicle. Surprisingly, some companies actually offer lower rates if you have comprehensive, collision, or both, than they do for liability-only policies. This is definitely counter-intuitve, but it is based on the same principle mentioned above regarding higher BI limits–the insurance company may view you more favorably (as far as risk is concerned) if you are an individual who would at least carry more than the basic coverage on your automobile. So, when you shop for quotes on a vehicle, you may want to check what the difference in price would be between liaiblity coverage, liability plus comprehensive coverage, and liability plus comprehensive and collision coverage.

11.) Lastly, periodically contact your insurance company to see whether they may be able to place you with one of their underwriting companies that is designed for “better” drivers (“better” according to your insurer’s rating factors–they are not judging your “goodness” or “character” for this!). Normally, insurance companies (particularly the larger companies) have multiple underwriting companies (subsidiary companies) that specialize in underwriting different categories of drivers based on the company’s risk assessment of you. If you are not in the insurer’s “best” underwriting company (reserved for their “best” risks), you always have room for improvement with that company, and by simply asking to be considered to be placed in one of the underwriting companies for “better” drivers, you may be able to save yourself a LOT of money over the years. Note: You may only have a real chance of being placed in a better underwriting company if your driving record has improved dramatically over the last couple or several years or if, in the states where credit may be used, your credit score has improved. Either or both of these improvements may give you leverage with the insurance company to request that their underwriters review your policy for placement with a better underwriting company.

We encourage you to visit our website www.quotehippo.com to sign up for our Free bi-monthly insurance newsletter and get your Free quotes on Auto Insurance, Life Insurance, Home Insurance, Health Insurance, Motorcycle Insurance, and Small Business Insurance. We now also offer great quotes on Mortgage Loans and Auto Loans. Our slogan is “Insurance & Loans Made Easy” and that is what we strive for.

Source by Franklin Wallace

An insurance that covers a lender’s risk which is linked with financial loss (normally occurring when the person is unable to pay mortgage loan) is known as the CMHC’s Mortgage Loan Insurance. CMHC stands for Canadian Mortgage and Housing Corporation. Such non payment of loans increases the demand of this insurance under the best interest rate. The amount of the premium paid under this insurance can vary between 0.65% and 2.74% depending upon the proportion of the buy price or the home value is invested with the mortgage loan. With the help of CMHC Mortgage Loan Insurance, one can be the owner of the property by paying a down payment which can be as low as 5% of the purchase price. It is a good idea to make a down payment of five percent as a minimum of the residence price, but it also depends on the property price –
• For a solo family and two unit residence – minimum five percent down payment is required.
• For up to a four unit residence – minimum of ten percent down payment is essential.
But it should be remembered that only Canadian citizens can apply for CMHC Mortgage Loan Insurance.

CMHC Mortgage Loan Insurance has many advantages –
1. It can be applied to various kinds of housing.
2. It is available everywhere in Canada.
3. It has several flexible products and options to help the buyer in going for the best investment.

In a normal case, the buyer pays the minimum down payment. Sometimes, first time homebuyers receive gifts from the relatives for the down payment. Any promotions offered by the lender and money borrowed from friends and family is acceptable as additional sources of down payment for the borrowers through CMHC’s Flex Down product.

Before applying for CMHC, a person should keep following points in mind –
• The qualifying criteria
• Is the lender approved by CMHC?
• The total housing cost including Principal amount, Interest accrued, property tax and heating costs (P.I.T.H.) should not be more than thirty two percent of the gross household income.
• The total debt should be less than forty percent of the gross income. To get the Total Debt Service (TDS) ratio add up the P.I.T.H. and payments on all other debt / gross annual household income and 50% of condominium fees (if applicable).
• Take the closing cost (like the lawyer fees, adjustments, land transfer tax if applicable, PST and GST as applicable etc.) into account. This is usually two to four percent of the purchase price.
• There are certain details which may vary from case to case and one needs to get in touch with the lender to know about them.

The premium of the CMHC Mortgage Loan Insurance is based on the amount of the down payment made and is proportional to the cost of the house or the value that one borrows. The higher the value of the house the higher will be the insurance premiums. This insurance is paid by the lender, who later passes on the charges to the actual buyer.

So, in order to pay less interest rates and avoiding the administrative charges, one should go for the mortgage insurance.

Number of Words: 523
Keyword: insurance
Frequency: 12

Source by Ben Hirsh

If you are presently with no health insurance, you will want to take a look at finding it, as it might have a significant effect on your life, your heath, in addition to your finances. Health insurance should form part of your finance planning as the consequences for remaining uninsured can spell financial disaster. It may be true that a temporary illness or minor injury may not necessitate big spending. However, a major disease, prolonged hospitalization or accident will entail payment of huge amounts in the form of medical treatment. Being sufficiently covered under a health care plan will provide total comfort free from all anxieties.

Health insurance is a highly helpful type of insurance- particularly in today’s scenario when medical treatment is becoming increasingly unaffordable. With a proper health insurance plan, the insurer will pay all your medical expenses if you fall sick or meet with accidents all you have to worry at that time is about your recovery. It is worth stating and re-stating any number of times that health Insurance is the only assured way to protect yourself and your family from financial devastation in case of serious illness.

Health insurance costs are on the rise due to personal health choices made by individuals. Poor eating habits, smoking, drug and alcohol abuse, lack of physical exercise, obesity are some of these known bad health instances. The other reason for escalating cost of health insurance is ongoing advances in medical care technology is making medical treatment is more expensive. Today there are more senior citizens than ever before they are frail and more prone to illness thus requiring more medical care. This also causes an increase in the price of health insurance. But however high the cost of health insurance, it is prudent to get adequate health coverage.

Your family and your children need health care throughout their lives and the onus is on you to provide them with the right insurance plan. Without coverage, your entire family is vulnerable, and if anything happened to their health, you would have to bear the entire financial burden or suffer from a sense of guilt for neglecting their health care.

There are a wide range of insurance products and insurance companies and you may be utterly lost which to choose. A committed health insurance professional would be able to assist you in deciding the type of health plan that will best meet your requirements. A good health insurance professional will have the expertise and experience to guide you in selecting the ideal health plan.

Today, there can be hardly any valid reason to remain uninsured. The health insurance companies offer attractive discounts and incentives to people who buy a healthcare plan. Often, an individual is expected to provide health information and a personal medical history when buying health insurance. This information is used by the insurance companies to address problems like smoking, obesity, drug use, and disease history. The incentives offered by health insurance companies today may strongly motivate even some chain smokers to quit smoking or make other positive changes in their lifestyle.

Please remember that it does not make any sense to go bankrupt, and ruin your financial future, just because you did not buy affordable health insurance for yourself and your family members.

Source by Sharma

Much attention is put on the teen drivers and what can be done to get them affordable Insurance, but what about the new drivers that are not teenagers anymore. Unfortunately, they face the same dilemma.

This does not mean that there is no hope for the new drivers. It does mean a lot of research and shopping around. By diligently doing this, you could very well save yourself a great deal of money. Do not fall into the trap of thinking that all Insurance Companies and Premiums are the same rate, because they are not. Every Insurance Company has their own viewpoints as to how they want to view the market. They obviously want to reduce their risks of high claims, but by the same token, they do not want to be in a position where they cannot expand their market because of their restrictions.

Your research could end up being a very interesting project for you. Perhaps one idea would be to tackle it a little different. Instead of going after the Insurance Companies and asking them about their rates based on your circumstances, reverse the roll. Ask them what would you have to do to get their best possible rate as a new driver. You have the opportunity here, to find out a great deal about Insurance that you did not know about or have not give much thought to.

By asking this question, of what they expect, it gives you some options of maybe making some of the changes to put you into their requirement category. For example, lets say you have not purchased a vehicle yet. You are pretty flexible as to what kind of vehicle you can buy. The Insurance Company you are dealing with may tell you, that if you buy a used vehicle then they can give you a lower rate, than if its new. This is a common practice amongst Insurance Companies, but because you are new to this, you may not have known it. You may have just been able to reduce the Insurance you were expecting to pay by a few hundred dollars.

Now do not stop here and do not jump at the first rate you get. Start tracking some of this information by writing it down. Go through this exercise for three to five Companies. Make a note of all the requirements they ask for to offer you the lowest price. Then find out what the final price would be if you complied. Once you have got all your information gathered then analyze it. First off, which one is offering you the best rate if you do all that they ask. Now look at the requirements, is it possible for you to meet what they are asking? Perhaps it will mean changing some of your driving plans but is it feasible, and would it be worth the savings?

Once you have analyzed all of your information, you will have a very good idea where you stand. You may have two or three Insurance companies that were very close in their quotes. Now you need to go and review this much more closely.

Source by Nick Vernon

If you are looking for guaranteed acceptance term life insurance quotes, then you may be out of luck. In this day and age there are so many potential health risks and diseases that it’s virtually unheard of for an insurance company to give guaranteed acceptance term life insurance quotes or whole life insurance quotes, without some type of exclusions, restrictions or waiting periods written into the policy, such as the type of insurance policy you see on television for elderly people. Read the following article and you’ll see that illness or poor health conditions can strike anyone at just about any age.

There are many times in our lives that we believe that something may have happened for a reason. There are other times that this cliché may seem over used, but there definitely are times when unexpected things happen, sometimes these happen to benefit us. Some think these things are simply coincidence, while others believe that it is fate. Still others believe that it may be divine intervention, whatever you choose to believe, I know that it has changed the lives of both myself and my son.

Shop and Compare multiple Life Insurance quotes for free.

My son and his wife had been married for nearly two years and his wife was six months pregnant at the time, with their first child, when he thought that it would be a good idea to purchase more life insurance that they currently had. He got quite a few different life insurance quotes online and finally narrowed it down to two different companies that had low rates. He found out that, although the life insurance quotes that the got were low, companies that offer these low premiums required the most thorough health examinations. This wasn’t didn’t worry my son though as he’d been active in many team sports throughout high school and college and had always seemed to be very healthy. He is in excellent physical condition and is rarely ill.

He went to see the doctor to get the life insurance examination. He is only 27 years old and has never smoked cigarettes, so the life insurance quotes were very affordable. He took the form with him that the insurance company wanted the examining physician to complete and return. The insurance company wanted blood tests in addition to the thorough physical exam.

The physical went fine, but when he got the blood work back he found that his cholesterol was extremely high. The doctor was concerned about such high readings for a person that was so young. He told my son to to stay on a strict diet for the next month and then they would test him again. The doctor wanted to be certain that the test wasn’t measuring a cholesterol spike because of poor eating the day before the test. The doctor told my son that if the level didn’t come down significantly he would be forced to go on medication in order to avoid heart problems.

My son called me to let me know about how the physical for the life insurance quotes went and about his high cholesterol level. He was aware that my because brother had died of heart disease at the age of 45, and that his children had high cholesterol levels, His second test may come back the same. It did. Forunately, because of the life insurance quotes and physical examination, we were able to find out before it was too late.

The doctor immediately started him on medication. The doctor thinks that they have avoided an early stroke or heart attack because they caught the problem in time and because of the use of the medication. By looking into life insurance quotes when he did, my son may have prevented an early heart attack.

Although you may not find guaranteed acceptance term life insurance quotes or guaranteed acceptance whole life insurance quotes, there’s always a chance that you may be accepted. It doesn’t cost anything to get a free quote. Why not do it now?

Source by Joe Stewart

The last four or five years of a person’s student life can be the hardest. This is the time when a student gets so close to earning his chosen degree. College years can be truly a challenge for anyone, whether a student is taking his college degree thousands of miles away from his home, or just across the other side of his hometown. Theses, case studies, defenses, and other college requirements will surely punish his body, so it is best to keep his health at check. More importantly, a student must get the best college health insurance available. For more information on college health insurance packages, all you have to do is read on.

The first thing you must consider is the type of insurance you are applying for. Different types of students can avail of different types of insurance packages. For example, there is a renewable college health insurance plan for students who are studying his degree full time. There is also an insurance policy for part time students. The rates are adjusted to fit the different needs of part time students.

An international college health insurance plan is best for students who are travelling overseas for their education. There may be additional requirements for international students, but these should not hinder a student from availing of insurance plans from the foreign country. Or, he may opt to get an American insurance company give him coverage that he can use even when he is abroad. All he has to do is choose the option that covers him best.

Source by Allen Jesson

As a funeral director I’m often asked by the public, “do I need burial insurance?” My stock reply is the usual, “that depends.” I’m not trying to be insensitive or cute with my answer, but the truth is that it does depend on several factors in my opinion, but two most importantly.

I believe two of the most important factors are to consider who will make your final plans first, then how will those plans be funded? Simple questions yes, but among those most of us fail to ask ourselves or give serious thought to.

Choosing a person to handle yourfinal arrangements can be done in reality by doing nothing at all. At your death in most states, lineage will decide who will have right of disposition. If no legal descendants are available to handle this duty most counties, townships and/or states will step in and have the final disposition done. This will usually be a direct burial or cremation as determined by the government body handling it. I recommend avoiding this possibility by selecting a family member or friend to entrust with this duty and to make sure they have the legal documents necessary to abide by your wishes. Also, be sure your chosen administrators will have access to final expense funds. Many problems can be avoided by making sure of this one thing. Tip: Burial insurance will in most cases let you designate the beneficiary. This allows you to make sure specific funeral and burial expense funds are in the control of your chosen administrator.

Secondly, give thought to the funding aspect of your final arrangements. Are you satisfied with your current funding (insurance, savings, etc.) to be sufficient and available when that time comes? Is it possible your current insurance might be needed to settle other expenses such as medical bills, estate taxes, etc.? Are you comfortable that your current insurance or savings will keep pace with funeral inflation costs? If you answered no to any of these questions, then you may want to consider additional insurance specifically for your final expenses. Tip: Burial insurance policies can be issued in small amounts to subsidize your existing insurance or larger amounts to cover total funeral and burial costs. In many cases it is also easier to qualify for in older age groups.

Does everyone need burial insurance? Certainly not, but as a funeral director I can tell you that many families I’ve assisted were able to honor a loved one’s wishes only because that person had a burial insurance policy in force at the time of their death.

Take a few minutes and give this some thought. The attention and consideration you give these matters now will make a tremendous difference for those who eventually will do your final planning.

Source by Jerry R. Guy

You may already have commercial property insurance, but if you work within the renewable energy sector, your company needs to have specialized renewable energy insurance. While commercial property insurance will cover your buildings, their contents, and outside structures, it may not adequately address the many problems common to the energy industry. In this article, we break down some of the basic things you need to know about this kind of specialized coverage.

What does commercial property coverage do?

Any business that owns, rents, or leases property must carry this kind of coverage. It provides protection for your buildings, the contents inside, and any outlying structures. Your policy can be tailored to your specific needs, but this coverage can provide protection for merchandise, furniture, equipment, accounting records, electronic data, and even signage.

When you carry this kind of insurance, you should opt for a broad policy that covers a wide range of possible perils. These are threats posed by fire, vandalism, extreme weather such as tornadoes and hurricanes, and even riots. This will help protect your property in the event of an unforeseeable emergency.

What does renewable energy insurance do?

Renewable energy insurance adds to the protection offered by commercial property coverage. It addresses concerns that are unique to the energy sector and not necessarily covered by standard commercial policies. This kind of policy provides protection against:

• Property damage–such as lightning damage to a wind turbine during a storm;
• Equipment breakdowns–if your equipment is damaged and taken off-line due to the unexpected implosion of a fermentation tank at an ethanol facility, this will provide coverage for income loss and repairs;
• Business interruption–if your equipment damage interrupts your business, your lost income can be replaced and extra expenses reimbursed;
• Workers compensation–protects your company and pays the medical and legal fees if an employee is injured on the job.  Many standard insurance companies will not accept renewable energy risks;
• Liability insurance–basic coverage if your company is held liable for injury or property damage to a third party;
• Business auto insurance–protection for the company’s vehicle fleet;
• Umbrella policy insurance–protection over and above what your basic liability policy pays out in the event of a catastrophe;
• Pollution insurance–if you have a chemical or fuel leak that requires cleanup and possible incites allegations from third parties.

Does my business need this kind of specialized coverage?

Every business should carry commercial property, liability, auto and workers compensation coverage. If your business is within the energy sector, you should have specialized renewable energy insurance coverage that enhances those standard policies to cover your unique exposures. This includes the following kinds of businesses:

• Biodiesel producers;
• Wind power facilities;
• Solar power facilities;
• Ethanol producers.

If you are unsure about how this kind of coverage can help protect your company, consult with a carrier who offers specialized insurance products. This carrier will be able to assess your business’ needs and offer a comprehensive, cost-effective solution for you.

Source by Russ Birch

New York State has suffered from historically high car insurance rates. In 2005 New York was recorded as having one of the highest in the country by the National Association of Insurance Commissioners. Several factors can impact your auto insurance rates such as:

* Age and Gender
* Make, Model, Price and Age of Your Vehicle
* Your Location
* Safety Features of Your Vehicle
* Credit
* Driving Record

To offer a bit of hope, the New York State DMV allows motorists to complete a defensive driving course to get a mandatory 10% car insurance discount for 3 years. This program is called PIRP or the Point and Insurance Reduction Program. The “Point” means that New Yorkers can also reduce up to 4 points on their driving record using the same course. Recently the state of New York passed a law allowing this program to be completed entirely over the internet. It’s called online defensive driving. For many New Yorkers this is great news.

With the program avaialbe online, the acronym is suitably changed to IPIRP for Internet Point and Insurance Reduction Program. And the same benefits apply. If an NY motorist completes this course and turns in proof of completion to the insurance company, they get a mandatory 10% car insurance discount. This applies to any insured motorist in New York, and can be taken once every 3 years to maintain the insurance discount.

What’s better is that in addition to the auto insurance discount, taking the course can also reduce up to 4 points from your driving record. According to the NYS DMV this can be done if you received your points within the last year and a half (18 months). The course will not reduce your active point total to less than zero.

This new online defensive driving allows you to complete the course at your own pace, without having to finish all at once. No classroom required! The course lets students log on and off as many times as they want. Every student has up to 30 days to complete the course from the date of registration. What’s even better? The same course can be taken every 3 years to continue the mandatory 10% insurance discount.

As with most e-learning courses, this online defensive driving was created to maximize convenience and help those who do not have the ability to get to a live class. Now, New York defensive driving will be able to reach and benefit more people without having to take time off work, lose a weekend, or waste time and gas.

The online defensive driving course is available at NewYorkSafetyCouncil.com, an approved IPIRP provider.

Source by Christine

An increasing number of people today find that their weight has achieved such a level that they either choose, or are more or less forced to choose, gastric bypass surgery as the only solution to their weight problem. However, having decided to undergo surgery, they are faced with the complex problem of just how to pay for the operation.

Gastric bypass surgery, including comparatively minor procedures such as gastric banding, is an expensive business requiring a highly paid surgical team, together with a stay in hospital and you are unlikely to come away with a bill of under $20,000 and could well be looking at closer to $30,000 or $35,000. Indeed, if complications arise, either immediately after surgery or during recovery at home, the final bill may rise considerably higher.

The first port of call for many people is their insurance provider. But will your insurance company meet the cost?

The answer depends in the first instance upon the form of insurance policy that you have and you will need to read through the terms of the policy with care to see whether surgery of this nature is specifically excluded and, if so, whether there are exceptions to any general exclusion. If your medical insurance is being provided by your employer then you will need to seek advice from your employer, as various insurance providers allow employers to specifically exclude weight loss surgery from their group policies.

This said, morbid obesity is a recognized medical condition and, more importantly, if left untreated it can become life threatening. Accordingly many insurance providers will cover the cost of gastric bypass surgery provided they are satisfied that surgery is a medical necessity.

So, if your insurance policy does not specifically exclude weight loss surgery and your insurance company says that your policy does not cover you when you first ask, don’t merely assume that their word is gospel. Go back to them again, preferably in writing, and make your case.

Every insurance company has its own way of doing things but, in general, you will need to satisfy your insurer that this is indeed a medical necessity in your particular case, that this is the only route open to you to solve your problem and that you understand and are able to cope with the marked lifestyle changes that result from gastric bypass surgery.

This means you will typically need to provide your insurer with:

1. A full medical history provided by your doctor giving his opinion that weight loss surgery is necessary. It will also help if this is backed up by the opinion of a specialist in the field of gastric bypass surgery.

2. Proof that you have attempted weight loss under medical supervision and without success in the period before your application. This period will vary between insurers but is commonly anywhere from 6 months to 2 years. You should note that this must be a weight loss program under the supervision of a physician and that programs such as those from Weight Watchers will not generally be accepted.

3. A psychological report indicating that you understand what is involved in weight loss surgery, including the considerable changes that it will make to your lifestyle, and that you are considered able to cope with the stress that this will involve.

Once you are able to meet these criteria, your insurance provider will generally be happy to meet the costs of gastric bypass surgery.

Source by Donald Saunders

Errors & Omissions Insurance (E & O) acts like a shield to help protect indie film producers from a lawsuits dealing with copyright infringement, using music without proper permission, chain of title issues and a lot of other lawsuits that can come up when distributing a movie.

Without E & O insurance most film distribution companies will not release a movie through retailers. It’s a necessary cost of doing business with a majority of distributors, even at the independent film level.

There are indie film producers that already have E & O insurance in place before shopping their movie to distributors. When they finalize their distribution agreement they submit a copy of the original certificate of insurance to the distributor adding the distribution company as an additional insured on the policy. Indie film producers that complete movies on a steady basis usually have an E & O insurance policy in place before principal photography begins.

A good rule of thumb to remember is that indie films should have E & O insurance coverage not less than $1,000,000 for each claim and $3,000,000 aggregate for all claims with a policy deductible no greater than $10,000. A good E & O insurance representative can explain the entire process based on your movie’s unique elements.

There are those times an indie film producer realizes the original movie budget did not include a line item expense for E & O insurance or they had no idea that it would be a needed to get their movie sold and distributed. When they step to the table to sign a distribution agreement there is no money to pay for E & O insurance policy.

It’s not the end of the world if you find yourself short on money to get E & O insurance. If a distributor is really hot for a movie they can front the cost through a carrier they deal with on a regular basis. The indie film producer will not have to go out of pocket upfront for the cost. But the distribution company will recoup the money spent from any sales, commonly referred to as a “charge back” to the indie film producer.

Be realistic that it’s most likely the distribution company will not get an indie film producer a great rate on E & O insurance. Think of it like buying something on credit you can’t afford and paying a higher interest rate later on. But if an indie film producer’s pockets are light money there is not another choice unless you pass on the deal. Easy credit will cost indie film producers more of their future movie profits down the line.

An indie film producer is better off if they look around for E & O insurance, get a firm quote, and include that real cost into the overall movie budget before shooting one frame. Making indie movies takes a squeeze a nickel until it bleeds approach. Save all the money you can where you can in production! This is indie filmmaker Sid Kali typing FADE OUT.

Source by Sid Kali

After the initial shock of receiving a speeding ticket the thought in the back of anyone’s mind is how will this affect my auto insurance rates? It’s nothing to be shocked about when you see your auto’s insurance rates rise after receiving a speeding ticket, and even if you move out of state you are still left with the skeleton in your closet because a speeding ticket stays on your driving record for so long. Here are a few common concerns when dealing with a rise in insurance rates after receiving a traffic citation.

How long will I have to pay?
Most insurance companies have different time frames for speeding tickets, but most average between three and five years. Sounds like a long time, but insurance companies reward and penalize customers for doing different things. A traffic citation is considered a no, no to and automobile insurance company and they believe that the rise in an insurance rate along with the time you have to pay for it will have drivers learning a very quick lesson about speeding. Some auto insurance companies raise insurance premiums by the number of points taken off your license, after awhile these points will eventually expire, making your insurance premiums drop as an insurer gains their points back.

Why do your insurance premiums rise?
When and auto insurance company is providing insurance for someone, the cost of your premium depends on how much of a risk you are at costing an insurance company money in the long run. If there is a greater potential risk for insurance companies to have to pay out with you as an insurer, your premiums will be higher. An automobile insurance company has many statistics to compare, and with a speeding ticket on a driving record, most insurance companies will see this driver as reckless, and are more likely to receive future traffic citations, along with a higher risk of causing traffic accidents, both major and minor than that of a person with clean driving record. So when you receive a speeding ticket, this flags the insurance company letting them know that you are a potential risk for filling out an insurance claim under their policy.

How can I change my rise in premiums?
Contact your insurance company and ask if there is anything that can be done about your rising insurance premium. Some insurance companies will suggest enrolling into a driver safety course which can vary from state to state. You can also see about changing the coverage levels on your car, paying more or less can dramatically affect your insurance premium, or you can make voluntary safety upgrades to your vehicle to potentially reduce your insurance premiums.

Knowing these facts should make any insured driver want to back off the gas a little, and pay closer attention to the speed limit. The repercussion for one traffic citation can last for years, not only costing at the court house, but can potentially cost thousands more, for months to come.

You can read more unique articles about auto insurance at crossquote.com along with price quotes and free tools such as an automotive loan calculator and vehicle bill of sale.

Source by Craig F Stevens

With a growing number of cars in the world countries like Canada or the United States and European countries, also experience a growing number of car accidents. Auto insurance became one of the main things that protects the driver from financial losses. Auto insurance is a legal contract between driver and insurance company, that not only provides ongoing protection to the driver, but also can be a constant reminder of the possible dangers on the road. While the driver pays the premium to the company, the company provides coverage in case of an accident. There are three types of coverage available in any insurance: property, liability and medical coverage. Property coverage pays for damage done to your car and in some cases repays the costs in case of theft. Liability coverage pays for your legal responsibility to others for causing bodily injury or property damage during an accident. It is calculated according to the fault of the driver and it is important to remember that in case of an accident the fault can be distributed among two or move drivers involved. Medical coverage pays for the cost of treating injuries after the accident, the process of rehabilitation and in some cases also lost wages and even funeral expenses, for this type of coverage it is important to provide all the checks and bill for medical expenses. As for auto insurance in Canada several Canadian provinces (British Columbia, Saskatchewan, Manitoba and Quebec) provide a public auto insurance system, while the rest of the provinces provide private insurance. The basic auto insurance is mandatory throughout Canada, still the government of each province defines which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. The coverage itself is also different from province to province, for example accident benefits coverage is not mandatory in Newfoundland and Labrador.

While on the one side car related laws and regulations are constantly being updated to handle the growing number of accidents, alternative solutions for handling the situation are also being developed and used. In 1994 a study conducted by Jeremy Jackson and Roger Blackman showed that increasing the costs of one accident leads to reduction of the number of accidents. A driver must understand that and accident could not only lead to injuries or casualties, but will also lead to compensations even after the smallest accidents. A modern driver starts to pay for the possible accidents even before he gets behind the wheel, with the means of Compulsory Insurance. Compulsory Insurance is one of the insurance mechanisms that drivers must file proof of insurance and make a payment before they receive their vehicle registration. Compulsory insurance is used for two scenarios. First in case of an accident involving two or more vehicles it covers the damages done to vehicles, irrespective of who’s in responsible for the accident. It also covers the most common damages that can occur from problems like theft, fire or vandalism.

Source by Rebecca Brown

Now that your offer on a home is accepted, the whole process is almost done until the closing day. But that does not mean you have nothing to do before closing. You still have some things to consider before closing. One of the important things that you need to get done in the weeks before you complete the closing is the homeowners insurance.

If you are a first-time homeowner, chances are you already have renters insurance. Homeowners insurance is like renters, but it is more expensive and it has more elements. You will need to protect your property and not just your possessions, and this is why you need to get homeowners insurance. Homeowners insurance gives protection to homeowners from financial losses in the event of theft, storms, fire, natural disasters and all other causes stated in your policy. So you must read the policy carefully to know the details and your rights. Take a second look at your policy and know your rights.

It is best to get homeowners insurance that covers five or six coverage instead of separate policies for specific coverage. You will spend more when you chose to get separate policies. Homeowners insurance includes five coverages.

Dwelling insurance coverage: This covers the physical structure of your home and not any other structures like guest house, fences, detached garage etc. This means you are covered in case of damage to the main house and any attached structures such as an attached garage.

Personal property coverage: This coverage of the homeowners policy ensures the contents of your household items like the items you usually use which are not a permanent part of you home’s structure, such as furniture, television sets, appliances, clothing, utensils and tools.

Liability coverage: This coverage secures you when you are accountable to someone else’s injury or damage. In such incident homeowners insurance will soon give you a minimum of $20,000 as coverage. Policy holders can get an extra premium of one million dollars. This coverage include at the scene emergency aid, bodily injury medical expenses, legal defense fees, loss of income compensation, funeral expenses, bail bonds (the person must be listed on the insured’s policy) and medical services for sickness and/or disease.

Medical payment coverage: This coverage will take care of all your medical expenses if someone gets hurt even in the area of your property. Particular injuries are covered by your medical insurance including your dog biting someone in your property. It also covers policyholders and their family members when in others’ vehicles, or when the insured and their family members are on foot and hit by a car. The costs of coverage are subject to the limits you choose when you purchase your auto insurance policy. Normally, the basic coverage you can get is $500, which can increase up to $5000 by paying added charges.

Loss of use cover: In case your home is damaged due to any reason and become homeless, under this kind of situation your homeowners policy will cover your living expenses.

With all the benefits of having a homeowners insurance policy, you ensure security to your home and your life.

Source by Alvin Clavines