Facing foreclosure can be a frightening prospect. Once your foreclosure has become a matter of public record, you'll be forced to find a new place to live. This will require you to face the daunting task of moving your spouse, children and belongings across town or to a completely different part of the country. With […]

Fires can be particularly devastating. Like floods, they tend to damage or destroy structures and possessions without prejudice. Unfortunately, they're also one of the most common hazards that American homeowners can expect to face. As a result, homeowner's insurance companies generally offer robust protections for policyholders whose homes are damaged or destroyed by fires. While […]

If you're facing foreclosure, chances are good that you have many worries on your mind. After all, you stand to lose the home that you've worked so hard to keep. In addition to the psychological and physical disruptions that your foreclosure is likely to cause for your family, you'll have plenty of financial issues to […]

These days, finding an adequate health insurance policy can be demanding. Although many employers still offer robust group health insurance plans that cover a wide range of medical expenses, these are becoming more expensive with each passing year. In some states, health insurance can cost as much as $15,000 for a family of four. If […]

Car insurance is a major expense for which many young people fail to plan. In fact, it's especially important that you account for the cost of your auto insurance policy in your household's budget. Since these costs tend to vary over long periods of time, a sudden spike in your auto insurance premiums after an […]

Water damage has an unfortunate habit of striking without warning. Whether you left an upstairs window open during a torrential rainstorm or returned home from vacation to find that your home's poorly-insulated sewer pipe had burst, chances are good that your experiences with in-home water damage haven't been pleasant. To make matters worse, you're probably […]

If you aspire to be a licensed insurance agent, you'll need to spend a significant amount of time studying for your state's property and casualty insurance exam. While each state administers its own version of the exam, the subject matter is finite and easy to review. Even if you can't find a sample exam or […]

Insurance claims adjusters have several clearly-defined roles. These roles require adjusters to speak with many different policyholders. If you hold a homeowner's insurance policy, chances are good that you'll deal with a claims adjuster at some point during your tenure as a homeowner. This interaction is equally likely to occur in person or over the […]

If you're getting ready to file a homeowner's insurance claim, you should take a moment to assess its likely impact on your out-year premium payments. According to the latest available statistics, the average American homeowner files just one homeowner's insurance claim per decade. If you've lived in your house for just a few years, you […]

Filing an insurance claim involves plenty of diligence and hard work. Unfortunately, the process also requires a tremendous amount of patience. Depending upon the severity of the damage to the covered piece of property, it might take as long as two years for you to receive a payout from your insurance company. If you disagree […]

Florida's motor vehicle bureau requires every motorcyclist who lives within the state's borders to obtain motorcycle insurance. Like regular drivers, riders must carry certain "minimum coverages" that offer financial protection for reasonable expenses related to property damage, medical bills, injuries to uninsured motorists, and post-accident lawsuits and arbitration proceedings. In practice, this sets a "floor" […]

There are several instances in which it might make sense to file a claim against your neighbor's homeowner's insurance company. If your home was damaged by a structural component of his or her house, you might have reason to suspect that his or her negligence caused the problem. If a tree limb or other natural […]