Insurance quotes and assistance

Auto Health Home Life

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?

Florida Insurance Guide

The sunshine state is known for its beaches, surf and theme parks. But with a primarily older population and the very real possibility of hurricane experience, the insurance needs of residents are extremely important to consider.

Florida Auto Insurance

Florida auto insurance regulators have made Florida a no-fault state. They require drivers to have both personal injury protection (PIP) and liability coverage but do not require uninsured motorist coverage. For single-injury accidents, Florida drivers must have at least $10,000 in liability coverage. $20,000 is required for multiple injury accidents. Property damage liability has a minimum of $10,000.

Florida Health Insurance

The state of Florida does not require insurers to cover pre-existing conditions in individual insurance policies. The state has a high risk pool but it has been closed to new entrants since the early 1990′s. The state of Florida has no state income tax so there is no need for a health savings plan (HSA) deduction.

In Florida, a small group can consist of just one person. Group policies must be guaranteed issue if there has been no break in coverage exceeding 63 days in the past 6 months and the maximum exclusion is 12 months. Small group rates are protected by rate bands.

Florida Home Insurance

The state of Florida does not require homeowners coverage for residents, although individual lending agreements may. Florida residents are susceptible to sinkholes, tornadoes, wildfires and hurricanes and should make sure their home insurance policies provide adequate coverage.

Florida Life Insurance

To protect state residents against Florida life insurance company insolvency, the state created the Florida Life and Health Insurance Guaranty Association in 1979. The association guarantees up to $300,000 in death benefit and $100,000 in cash surrender value for consumers whose life insurance companies become insolvent.




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