Insurance Guide » insurance coverage

Why do employers carry life insurance on their employees that name them as the beneficiary?

hirby — Thu, 04 Nov 2010 17:38:44 +0000

I believe the term for this type of insurance is called paupers insurance coverage, it allows the employer to receive funds should the employee die. The employer usually has coverage well above what the employee has elected to be covered for and that goes to the family. Some employers carry a separate claim, so the [...]

Why do employers carry life insurance on their employees that name them as the beneficiary? courtesy of: Insurance Guide

My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good?

hirby — Sat, 30 Oct 2010 15:12:47 +0000

My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good enough to get in state of California? 1-Liability only? 2-Liability plus collision? 3-Full coverage? 4-Any other type? Regards, Mo. Auto Insurance coverage on a crunched door by a driver who drove away? How can I obtain a copy of someone's Auto Insurance coverage [...]

My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good? courtesy of: Insurance Guide

Auto Insurance coverage on a crunched door by a driver who drove away?

hirby — Sun, 03 Oct 2010 22:37:52 +0000

If the car door was slammed by a passing car and damaged, crushed a little and bent, difficult to close the door, does insurance cover something like this? What kinds of things does insurance over, if the person who did it, drove away? My car is fully paid for, and I wonder what auto insurance coverage would [...]

Auto Insurance coverage on a crunched door by a driver who drove away? courtesy of: Insurance Guide

Homeowners insurance–who decides coverage amounts? Me or the insurance company?

hirby — Sat, 02 Oct 2010 14:26:23 +0000

Hello, all–I am shopping for insurance coverage for our home, and it has been confusing to say the least. It is an average home built in an area where there are considerations like hurricanes (Texas Coast), and the home has been insured consistently for the past year. We have not had any claims. [...]

Homeowners insurance–who decides coverage amounts? Me or the insurance company? courtesy of: Insurance Guide

How much life insurance coverage should a life-long bachelor w/ no children buy?

hirby — Mon, 27 Sep 2010 03:36:57 +0000

I will be 33-years old next month. I have no life insurance, no dependents and I do not anticipate ever getting married. How much life insurance coverage do I need to pay for my final burial expenses? Please give me a range. I don’t need an exact figure. Thanks. Why do employers carry life [...]

How much life insurance coverage should a life-long bachelor w/ no children buy? courtesy of: Insurance Guide

My HOA has a blanket insurance policy that has a $10,000 deduct. What other coverage do I need?

hirby — Thu, 23 Sep 2010 18:50:40 +0000

I’m trying to buy supplemental homeowners insurance for my townhouse. My homeowners association has a blanket policy that cover the structure, however nothing inside the house is covered. Their deductible is ,000. What other insurance coverage do I need and approximately how much personal property coverage would I need for a 3 [...]

My HOA has a blanket insurance policy that has a $10,000 deduct. What other coverage do I need? courtesy of: Insurance Guide

i am looking for a medical insurance which doubles as life insurance. any suggestions?

hirby — Thu, 23 Sep 2010 09:38:04 +0000

i am married with 1 child. male, 40 yrs old. don’t smoke, don’t drink. i want to invest in my future and i think insurance is the way. i am looking for an insurance coverage to safeguard my savings intended for my wife and daughter’s future. i don’t want my life [...]

i am looking for a medical insurance which doubles as life insurance. any suggestions? courtesy of: Insurance Guide

are self storage facilities allowed to require you to use their insurance?

hirby — Mon, 13 Sep 2010 17:02:54 +0000

I have homeowners insurance and it covers self storage units. However, the storage facility requires me to pay extra to use THEIR insurance. Is that allowed? Other facilities only required me to prove I had some insurance coverage. Insurance Adjusters question Homeowners Insurance? Slab Leak causing Foundation to raise? need steps.? Homeowners Insurance coverage? Pit [...]

are self storage facilities allowed to require you to use their insurance? courtesy of: Insurance Guide

Insurance Adjusters question Homeowners Insurance? Slab Leak causing Foundation to raise? need steps.?

hirby — Sat, 11 Sep 2010 08:38:53 +0000

1) I have researched to find many claims have been paid that cover slab repair when the cause was proven as a result of water damage. 2) My leak under the slab is the cause of the slab damage, raising it in the center 3) My question is what steps should I take prior to repair, [...]

Insurance Adjusters question Homeowners Insurance? Slab Leak causing Foundation to raise? need steps.? courtesy of: Insurance Guide

Whole life vs. term–can you prove higher return with whole life?

hirby — Sun, 05 Sep 2010 02:02:19 +0000

Someone posted a question about whole life vs. term and someone claimed they could prove whole life had equal or better return than buying term and investing the difference in the stock market but the question was closed before the answer was completed. Here’s another chance for the whole-life apologists. My contention is [...]

Whole life vs. term–can you prove higher return with whole life? courtesy of: Insurance Guide