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?

Massachusetts Insurance Guide

With an Ivy League college, large urban center and history of witchcraft trials, Massachusetts is a historically, culturally and educationally abundant state. They are also an interesting state in terms of insurance regulations.

Massachusetts Auto Insurance

Massachusetts auto insurance regulations are more restrictive than some states, but their $5,000 minimum coverage for property damage liability is one of the lowest minimums required by any state in the country. This no-fault state requires personal injury protection (PIP) and uninsured motorist coverage. They also require bodily injury liability in the following amounts:

  • At least $20,000 for single-person injuries
  • At least $40,000 for multiple person injuries

Massachusetts Health Insurance

In 2006, a law was enacted that required every resident of Massachusetts to obtain a minimum level of Massachusetts health insurance. Their minimum creditable coverage standards are numerous and were designed to provide true protection for residents. To see the full list, you can visit their government website.

Because of this Massachusetts health insurance requirement, pre-existing conditions must be given coverage in all individual policies. The state allows employer group insurance coverage for groups as small as one person and allows a 6 month pre-existing conditions exclusions for individuals in the group who have had at least a 63 day break in coverage over the past 6 months. Health savings account (HSA) contributions are state tax deductible.

Massachusetts Home Insurance

The state of Massachusetts does not require its residents to have all insurance coverage-and that means they do not need to carry home insurance coverage unless their lender directs them to. Massachusetts can be at the receiving end of New England hurricanes, so it is important to make sure you choose adequate hurricane coverage for that risk.

Massachusetts Life Insurance

Created in 1986, the Massachusetts Life and Health Insurance Guaranty Association gives consumers up to $300,000 in death benefits and $100,000 in cash value benefits should their insurer become insolvent and unable to fulfill the contract.

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