Insurance Articles and Videos - Page 4

The Real Estate Minute with Ilyce Glink
Whether it’s Wind or Rain, Insurance is the Issue
Whether your house is damaged by wind or water may not matter to you, but it could mean the difference between getting your claim paid or striking out. I’m Ilyce Glink with your Real Estate Minute, brought to…

The Real Estate Minute with Ilyce Glink
Moldy Issues
When does a house become unlivable? I’m Ilyce Glink with your Real Estate Minute, brought to you by Kudzu.com.

You want to have adequate homeowners insurance coverage, so that in case of your home being destroyed, you will be covered for the full replacement of your home. In times of natural disasters the cost of insurance and home repairs can skyrocket. If your current insurance company won't sell you…

We answer frequently asked questions about life insurance.

According to the FEMA, approximately one-third of homes in New Orleans carry flood insurance, and homes there are insured up to about $56 billion. Fannie Mae and Freddie Mac announced that they will work with lenders and mortgage servicing companies to assist those homeowners who have been wiped out…

The pros and cons of term and permanent life insurance.

When you buy life insurance you have to pay monthly premiums to keep the policy active. If you worry about being able to make premiums you can add riders to your policy that will cover the insurance premiums if you become disabled. In addition some insurance policies will take the premiums out of…

How can you find the right life insurance policy? To find the right life insurance policy for you, you should talk to your insurance agent and also read the life insurance policy document or contract to make sure it meets your needs and goals.

When you're applying for life insurance you'll likely speak with an insurance agent who will ask you questions to assess your risk. After the life insurance agent has assessed your risk, he or she will provide you with a dollar amount for your life insurance premium. The life insurance premium is…

The different types of permanent life insurance.

Information on where you should look for a life insurance policy.

If you have a family you may be thinking about buying life insurance. But how much life insurance do you need? To figure out how much of a life insurance policy to buy you need to take into account your daily expenses. If you don't want to buy life insurance as financial protection you should…

Resources you can use to get more information on life insurance.

Why should you buy life insurance? If you have a family or people who depend on you, life insurance can protect them if you die. Life insurance provides cash to beneficiaries you designate to help them with daily expenses and large bills such as mortgages.

You know you need it, but how much life insurance you should buy is still a mystery.

Life insurance comes in a variety of forms. Permanent insurance is a type of life insurance that's also known as whole, universal or ordinary life insurance. Unlike term life insurance, permanent life insurance has a cash value and some people treat it as an investment. Permanent insurance is best…

Some term insurance policies can be renewed when you reach the end of the term -- which can be from one to 30 years. The premium rates increase at each renewal date. Many policies require that you present evidence of insurability at renewal to qualify for the lower rates.

Looking for insurance for your home-based office or business? This article tells you everything you need to know about home office insurance.

Basic homeowners insurance does not cover flooding. In case of flooding, homeowners who don't have flood insurance may be facing financial disaster. Homeowners who live in flood-prone areas may find that buying flood insurance is worth the money.

Is your second home safe and secure? Vacation home ownership comes with a unique set of home security and homeowner's insurance issues. What should you look for in a homeowner's insurance policy for a second home or a vacation home?

If you're going to buy a house or refinance your existing loan this year, you should take the time to organize your finances now. Gathering your paperwork together will make it easy to apply for a loan later. Keeping your insurance policies, checking and savings accounts, retirement accounts…

Why would your monthly mortgage payment increase by a small amount? It's possible that property taxes and homeowners insurance may be the cause of a small increase to your monthly mortgage payment. Talk to your mortgage lender to find out for sure.

Ilyce discusses the New York Times article "Who is Rich in America," which investigates class and the definition of rich. Ilyce also takes calls include real estate investment scams, how to invest retirement funds, and getting the full amount from an insurance company after a car crash.

When you own rental or investment property you may be concerned about liability. You may want to transfer your property into a limited liability corporation (LLC), but that could cause your mortgage lender to call your loan in for full payments. There are other ways to protect yourself from lawsuits…

Do you have an estate plan? You do, whether you intended to or not. If you haven't made out a will or a trust, you have a plan--unfortunately, one that is defined by the laws of the state where you reside at your death. Don't let the state decide important matters like who gets guardianship of your…