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EINSURANCE.(com): EInsurance Journal Auto Insurance Articles

Mandatory Driver Safety Discounts for Mature Drivers

If you are 55 or older, chances are good you can get a discount on your auto insurance, and learn a thing or two in the process. Even if you have not been told you must take a senior driving course to keep or reinstate your driver’s license,...



POSTED SEPTEMBER 27, 2017
6 Safety Features That Can Save You Money on Car Insurance

There might just be a treasure trove of savings in your auto insurance premiums. If you haven’t yet explored discounts for safety features, it might be worth looking into. It varies by state and insurance carrier, but if your car is equipped...



POSTED AUGUST 16, 2017
Buying Auto Insurance: Online vs. Agent

The Internet has changed our lives in so many ways. Where we get the news, how we learn, the way we do business and how we shop. Now you can even buy insurance policies online. But which is better, buying an auto insurance online or the “old...



POSTED AUGUST 16, 2017
Comprehensive Auto Insurance: What It Is and When You Need It

Despite its name, comprehensive auto insurance doesn’t cover everything related to your car in the case of an accident or damage to your car. Instead, it covers theft and damage to your car due to natural disasters and other non-collision ev...



POSTED AUGUST 16, 2017
What to Do With Your Car Insurance When You Move

Moving is such a hassle, it’s understandable if something falls through the cracks in the process. But, when you’re letting people and companies know you have a new address, there is one particular item that often gets forgotten: your...



POSTED JULY 20, 2017
The In’s and Out’s of Motorcycle Insurance

If you’re considering a motorcycle purchase, be sure to include insurance in your cost estimating equation. Even though there are a few states – Montana, Washington and Florida – that don’t require motorcycle insurance, if...



POSTED JUNE 21, 2017
What Is Personal Injury Protection Insurance and What Does It Cover?

Think of personal injury Protection (PIP) as sort of a “get home free” extension of auto insurance. It is no-fault coverage that pays out no matter who is at fault in a car accident. PIP goes above and beyond standard auto insurance to...



POSTED MAY 17, 2017
How to Shop for High Risk Auto Insurance

As a driver, somewhere along the line you’ll no doubt have an “oops” moment, whether it’s serious (DUI) or less dangerous (driving without insurance). Reasons big to small can cause you to be considered a high risk driver,...



POSTED APRIL 17, 2017
When Would You Have an Excluded Driver on Your Car Insurance Policy?

Whether you ask for it, or your auto insurer demands it, having a named driver exclusion attached to your policy has its consequences. It can also save you money. In states where it’s legal, insurance companies can allow, and sometimes r...



POSTED MARCH 26, 2017
How Much Will Your Car Insurance Cost?

Like many things, auto insurance rates seem to be getting higher every year. So how much is the average cost? It depends on many factors taken into consideration when it’s time to get a new policy. On average, the annual cost to insure a...



POSTED FEBRUARY 14, 2017

EINSURANCE.(com): EInsurance Journal Life Insurance Articles

Is Life Insurance a Good Investment for You?

If you’re thinking about buying a life insurance policy you may be wondering, is life insurance a wise investment? You’ve heard that some kinds of insurance allow you to “borrow” against the accumulated cash value as a tax-...



POSTED SEPTEMBER 27, 2017
What Is Dependent Life Insurance?

Dependent life insurance provides coverage in the event a spouse or dependent child dies. Typically purchased to meet after-death expenses, the amount of coverage is typically modest. Dependent life insurance policies may cover: A spouse who is...



POSTED AUGUST 16, 2017
How Family Health History Affects Your Life Insurance Costs

It’s not just your personal health that insurance companies are concerned about when considering providing your life insurance policy, and at what price. They also look at your parents’, and sometimes your siblings’, health histo...



POSTED JULY 20, 2017
What’s Your Excuse? Why People Avoid Life Insurance and Why They Shouldn’t

Life insurance has proven to be a wise purchase for many, but there are still holdouts who decide it’s not for them. If you’re one of those who feel they just don’t need it, think again. Here are some of the reasons people don&rs...



POSTED JUNE 21, 2017
Can Your Life Insurance Policy Be Cancelled?

A lot of Americans purchase life insurance, and they rarely decide to cancel their policies. Termination is possible, although only 4.4% of individual policies were voluntarily cancelled in 2015. While it makes sense to hold onto your policy, ther...



POSTED MAY 17, 2017
Avoid These Mistakes When Naming Life Insurance Beneficiaries

Who are you going to name as your life insurance policy beneficiary? You have many options. Your beneficiary could be a son or daughter, your spouse, a trustee or organization. The point is to make sure your assets go where you want them to. But a...



POSTED APRIL 17, 2017
Selling Your Life Insurance Policy: How Life Settlement Works

There may come a day when you really don’t need or want that life insurance policy you’ve been paying for. Maybe your spouse has passed away and your grown children don’t need to be taken care of. Could be you need cash or you si...



POSTED FEBRUARY 14, 2017
EINSURANCE’s Top 10 Articles of All-Time

We have been posting articles for over 20 years to ensure you, our customers, are informed when buying insurance. Our commitment has been, and will always be, to keep you up-to-date on coverage options, policy terms, and all you need to know about...



POSTED JANUARY 24, 2017
The Top 5 States Where People Live Longer

Exercise, eating right and access health care have a positive influence on life expectancy in the United States, and richer Americans live longer, on average, than poorer people. While other developed nations have longer life expectancies (the U.S...



POSTED JANUARY 24, 2017
Live Long and Prosper: Tips for Longer Life

For the most part, life is good in first world countries and, notably, the average life expectancy continues to improve. While life expectancy at birth, on average, is about 73.5 years for women and 68.5 for men, many people live well into their 8...



POSTED DECEMBER 09, 2016

EINSURANCE.(com): EInsurance Journal Health Insurance Articles

ACA Special Enrollment Period: Do You Qualify?

If you plan to buy health insurance for 2018 through the marketplace for Affordable Care Act, or Obamacare, you’ll have less time this year. Instead of closing on December 31st, the Open Enrollment Period will be November 1 to December 15, 2...



POSTED SEPTEMBER 27, 2017
How to Choose the Right Health Insurance Plan for You

Odds are good you have health insurance through your employer, like most do. But for the many others who buy their insurance individually, choosing a plan can be a challenge.  An overview of steps to take and things to consider can make the p...



POSTED SEPTEMBER 27, 2017
What to Expect with Obamacare in 2018 and Tips on Getting Coverage

With the current political climate and threats to the Affordable Care Act (Obamacare), patients, providers and insurance carriers don’t fully know what to expect in 2018. If you buy health insurance through an exchange, or plan to enroll, th...



POSTED SEPTEMBER 27, 2017
Which Over-the-Counter Pain Medication Should You Take?

You’re in pain and you want to make your day a little more tolerable, so you’re at the store to pick up an over-the-counter (OTC) remedy. But, you’re faced with a staggering number of options provided by big name and generic bran...



POSTED AUGUST 16, 2017
5 Health Insurance Options for College Students

Despite the ever-changing health care landscape, one of the truths that can be counted on is that even college students should have health insurance coverage. At this time, these students have several affordable options Consider the following...



POSTED JULY 20, 2017
Do I Really Need Medical Travel Insurance if I Already Have Health Insurance?

Unexpected injury or illness while traveling can throw a wrench into your plans, but your health policy from back home will take care of you, right? Not necessarily. In fact, whether you’re traveling abroad or in another state, getting the m...



POSTED JULY 20, 2017
Yes, You Need a Dentist. Here’s Why

If you want to hear good news from your dentist at your next dental exam, you need to brush twice daily with fluoride toothpaste, floss at least once a day, and avoid foods and beverages high in sugar. If you smoke, quit and if you drink alcohol,...



POSTED JUNE 21, 2017
How Much Does Health Insurance Cost?

If you’re like many Americans, figuring out what you should expect to pay for health care is akin to herding cats. It might be helpful to look at what a health insurance policy would cost you without an Affordable Care Act (ACA), or Obamacar...



POSTED MAY 17, 2017
What You Need to Know About Small Business Health Insurance

As if the health care scene isn’t confusing enough, small business owners must sift through a number of options to find the employee health insurance program that makes sense for them. Business with fewer than 50 employees are not required t...



POSTED MAY 17, 2017
Miss the Obamacare Deadline? Short Term Health Insurance Might Be Just What You Need

Did you miss the enrollment period for the Affordable Care Act (ACA) coverage, or Obamacare? Or maybe you chose to forgo Obamacare at this time. Either way, a short term health care insurance policy might be just what the doctor ordered. In fact t...



POSTED APRIL 17, 2017

EINSURANCE.(com): EInsurance Journal Home Insurance Articles

Does Your Home Insurance Cover Animal Damage?

So, does homeowners insurance cover animal damage to your home? The answer is: It’s complicated. There are a seemingly endless list of “ifs” and “buts” at first look, but overall there are guiding factors. Check y...



POSTED SEPTEMBER 27, 2017
How Homeowners Insurance Covers Firearms

Firearms and homeowners insurance have a complicated relationship. The issues related to the topic range from policy limits to criminal or non-criminal acts to individual state regulations. Firearms and Insurance Rates Many insurance compa...



POSTED JULY 20, 2017
Insuring Your Home in an HOA Community

Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s impo...



POSTED JUNE 21, 2017
Does Your Airbnb Home Have Enough Insurance Coverage?

Home sharing service Airbnb now offers free Host Protection Insurance (HPI).  Although HPI covers up to $1M per incident, don’t expect it to be enough protection. The liability policy, like those offered by other vacation rental sites,...



POSTED MAY 17, 2017
Can You Deduct Your Homeowners Insurance Costs On Your Taxes? Sometimes.

The answer to whether or not homeowners insurance is tax deductible is kind of a mixed bag of good news/bad news. Generally, your premium costs are not deductible (bad news), but there are exceptions (good news). Since home ownership comes with so...



POSTED APRIL 17, 2017
EINSURANCE’s Top 10 Articles of All-Time

We have been posting articles for over 20 years to ensure you, our customers, are informed when buying insurance. Our commitment has been, and will always be, to keep you up-to-date on coverage options, policy terms, and all you need to know about...



POSTED JANUARY 24, 2017
5 Tips for Keeping Your Home Safe This Halloween

For home owners, trick-or-treaters aren’t the only spooky things that come with Halloween. While you’re handing out goodies and enjoying the costumes you’ll want to have a good time and not worry about your home becoming a liabil...



POSTED OCTOBER 25, 2016
Protect Your Home from the Unexpected

Older people are most likely to sustain an injury at home than anywhere else. But accidents at home can happen no matter your age. With precaution you can make your home safer, and some of these measures might allow you to receive home insurance d...



POSTED SEPTEMBER 28, 2016
Don’t Let Lack of Dog Liability Insurance Come Back to Bite You

Beware the dog that takes a chunk out of your bank account. You are liable should your pet pooch bite someone, but your homeowners or renters insurance may take some sting out of the injury. How protected you are can be limited by both the state i...



POSTED APRIL 29, 2016
Grinch-Proof Your Home for the Holidays

Don't be an easy mark for grinches and thieves who target homes during the holidays. Whether you’re going to be away from home for a couple hours or a couple weeks, here’s how to protect your home from holiday thieves. Your season will...



POSTED DECEMBER 02, 2015

EINSURANCE.(com): EInsurance Journal Business Insurance Articles

How to Reduce Your Costs for Workers Compensation

Chances are good your business is located in a state where Workers Compensation insurance is required. No matter how small your business is, and whether or not Workers Comp is required, coverage is good for you, your employees and your business....



POSTED SEPTEMBER 27, 2017
A Guide to Finding the Right Accounting Software for Your Small Business

Accounting software has simplified the accounting process for business and personal finances. Today, many software options are available, helping users avoid the one-size-fits-all dilemma. With a little bit of research you can find the accounting...



POSTED AUGUST 16, 2017
How to Keep Your Millennial Employees Happy at Work

A lot of generalizations have been made about millennials, considered anyone reaching young adulthood in the early 21st century. A lot of what is said about them isn’t particularly flattering: they’re privileged, entitled, spoiled and,...



POSTED JULY 20, 2017
Small Business? You’re at Risk for Employee Fraud

If you think your company is too small to worry about employee fraud, consider this: A small business with fewer than 100 employees had 28% higher losses from fraud than larger companies, according to a report by the Association of Certified Fraud...



POSTED JUNE 21, 2017
Should Your Business Allow Employees to Bring Pets to Work?

Many companies are finding out that letting employees bring pets to work can actually improve business. In fact, the Society of Human Resource Management found that seven percent of employers let employees bring their pets to work. It’s beco...



POSTED MAY 17, 2017
What You Need to Know About Small Business Health Insurance

As if the health care scene isn’t confusing enough, small business owners must sift through a number of options to find the employee health insurance program that makes sense for them. Business with fewer than 50 employees are not required t...



POSTED MAY 17, 2017
Understanding Business Insurance for Veterinarians and Animal Service

Businesses that involve working with animals deal with something others don’t: pets that belong to other people. That distinction comes with particular considerations that aren’t covered in other business insurance plans. Pet-relat...



POSTED APRIL 17, 2017
Can a Company Retreat Improve Your Small Business?

After several years of waning popularity, the corporate retreat has been making a comeback. Interest dropped almost 90 percent from 2005 to 2013, but since coming out of the Great Recession, more and more companies are carving out time for busines...



POSTED MARCH 26, 2017
Employee Wellness Programs: What You Should Know

Employee wellness programs, which vary in scope, are changing the workplace environment for the better, even for small businesses. They offer a perk that can help a company attract and retain employees. But wellness programs have also been found t...



POSTED FEBRUARY 14, 2017
6 Must-Haves For Your Small Business Website

Think of your business website as your living room, where you greet visitors and make them feel welcome. It’s where first impressions are made. Treat visitors right, and they’ll come back again and again. Every small business needs...



POSTED JANUARY 24, 2017

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