The Insurance Weblog

Health Savings Accounts Expand Medical Coverage Options

Health Savings Account, or HSA, is perhaps the most important news in 2004 that will, in the long run, change the way people think of medical insurance. Unfortunately, my employer does not offer HSA for 2005. Once it offers, I will probably be among the first ones to jump on the HSA bandwagon.      Continue reading "Health Savings Accounts Expand Medical Coverage Options" ( Words)

Insurance Rates To Rise For Massachusetts Homeowners In Risky Weather Regions

Again, insurers raised price for people living in areas with higher weather risk. This time it happens to some Massachusetts homeowners.      Continue reading "Insurance Rates To Rise For Massachusetts Homeowners In Risky Weather Regions" ( Words)

Why Every Policyholder Needs Umbrella Insurance

A nice summary from About Personal Finance on why everyone should consider buying umbrella insurance.      Continue reading "Why Every Policyholder Needs Umbrella Insurance" ( Words)

Many States Altering Rules On Insurance

AN excellent USA Today summary of how Hurricane Andrew in 1992 and the Northridge earthquake in 1994 changed the homeowner's insurance landscape in many states. Take a look.      Continue reading "Many States Altering Rules On Insurance" ( Words)

19 Ways To Save On Auto Insurance

If you want to cut back your auto insurance spending, you can always cut the coverage to the bone. But this may not be a good idea for your financial safety in the long run. Follow the 19 recommendations from Bankrate's Dana Dratch and you are sure to land a bargain in your next auto insurance purchase.      Continue reading "19 Ways To Save On Auto Insurance" ( Words)

Auto Insurance Basics

Do you know the basics of auto insurance so you can understand what your agent is talking about? There are just too many terminologies in the auto insurance industry. If you are new to auto insurance, you may be overwhelmed by terms like "uninsured motorist", "comprehensive", BI, PD, etc. If this is the case, take five minutes to read the below Auto Insurance Basics, prepared by Insurance.com.      Continue reading "Auto Insurance Basics" ( Words)

Vehicle Insurance Ratings from State Farm

Everyone knows that between cars of the same price level, the model is a key determinant of insurance prices, but can you tell which exact model is cheaper to insure?      Continue reading "Vehicle Insurance Ratings from State Farm" ( Words)

A Term Life Insurance Policy That Pays Back, Sometimes

This Christian Science Monitor column introduces a new breed of life insurance: term life insurance policy with Return of Premium (ROP) features. Unlike regular term life insurance, in which you lose all the premium if you outlive the term of the policy, in ROP policies you will get all your premium back if you survive the policy term.      Continue reading "A Term Life Insurance Policy That Pays Back, Sometimes" ( Words)

Life Insurance For Your Kids: Creepy, But...

Should you purchase life insurance for your kids? There are already many personal finance articles telling you no, but Jeff Opdyke put the reasoning in the neatest way by sharing his struggle in his WSJ column.      Continue reading "Life Insurance For Your Kids: Creepy, But..." ( Words)

Best and Worst States for Auto Insurance Premiums

BankRate cited a National Association of Insurance Commissioners (NAIC) study that highlights the dramatic difference on average premium charged in different states. For example, people in New Jersey paid an average of $1,182 per car for liability, collision and comprehensive coverage, while Iowans only needed to pay $596 per car. The study shows a national average of $817 per car based on 2001 data.      Continue reading "Best and Worst States for Auto Insurance Premiums" ( Words)

What You Need, What You Don't

International Herald Tribune offers an excellent recap of some commonsense insurance must-knows.      Continue reading "What You Need, What You Don't" ( Words)

Don't Let Your Fears Sell You Insurance

WSJ's Terri Cullen explains why you should think twice before buying these four types of insurance: Cancer Insurance, Sports-Injury Insurance, Terrorism Insurance and Identity-Theft Insurance. Here is why.      Continue reading "Don't Let Your Fears Sell You Insurance" ( Words)

Nine Ways To Cut the Cost of Your Homeowner's Insurance

Do you feel you are paying more than you should for homeowner's insurance? About Financial Planning gave out nine quick tips to get a cheaper homeowner policy. Take a look.      Continue reading "Nine Ways To Cut the Cost of Your Homeowner's Insurance" ( Words)

A Few Words First ...

Thank you for visiting The Insurance Weblog. Picking the right insurance is among the most important decisions as it touches so many parts of our life. I hope The Insurance Weblog can help you to arrive at better decisions. The Insurance Weblog is a free service, and as I don't receive anything directly from you nor promise anything to you, I have to put a fw words about disclaimer upfront.      Continue reading "A Few Words First ..." ( Words)

The Start of The Insurance Weblog

So, what is insurance? According to Merriam-Webster Online, insurance is "coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril."      Continue reading "The Start of The Insurance Weblog" ( Words)

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