Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Alaska Insurance Guide

Alaska is often seen as one of the last refuges of the rugged frontiersmen. But that doesn’t mean that insurance and insurance regulations are non-existent. Here is a brief overview of some of the more important insurance regulations in your state.

Alaska Auto Insurance

When it comes to auto insurance, Alaska-like many states-has certain minimum coverages that must be carries. Alaska auto insurance minimums are quite a bit higher than many other states. Drivers must have liability insurance with a bodily injury benefit of at least $50,000 to cover a single person injury and $100,000 in the event there are multiple people with injuries. Alaska auto insurance laws also require a benefit of $25,000 for property damage.

Alaska is not a no-fault state. They also do not require uninsured motorist coverage or personal injury protection (PIP).

Alaska Health Insurance

Alaskans have access to many of the great health insurance companies and plans available in all the rest of the United States. Alaska health insurance offers no particular additional benefits or drawbacks. When looking for individual coverage, Alaska residents will find that the insurers in their state can exclude or waive their pre-existing conditions. The state does have a high-risk pool that certain individuals without access to group insurance or affordable individual Alaska health insurance can become a member of. Individuals who opt for a high deductible plan with a health savings account (HSA) do not need to worry about deductibility of HSA contributions in state taxes since there are no state taxes in Alaska.

In order for the self-employed to get group insurance in Alaska, they must have a group of at least 2 people to cover. If they get the insurance policy, their rate will be restricted by a rate band and, if any insured has had a 90 day or longer break in coverage over the past 6 months, they could be subject to a pre-existing condition exclusion of 12 months or more.

Alaska Home Insurance

There are no Alaska home insurance laws or regulations that should be of any particular concern to Alaska homeowners. Homeowners in Alaska should pay special attention to their earthquake, fire and hurricane coverage since these are the most common natural disasters in the state.

Alaska Life Insurance

The Alaska Life & Health Insurance Guaranty Association was developed in 1990 to help protect consumers against insolvent insurers that could not pay claims. In the event your Alaska life insurance company goes bankrupt and you have a claim outstanding, you can expect the state’s guaranty association to come through with a maximum of $300,000 in life insurance death benefit and $100,000 for cash surrender value.




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