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?

Pennsylvania Insurance Guide

Whether you are enjoying Philadelphia cream cheese, visiting Hershey park or noshing on a famous Philly cheese steak, Philadelphia is home to a wonderful array of foods and activities all individual to the state. But when you look at the insurance regulations, you might not be as impressed by the variety.

Pennsylvania Auto Insurance

Pennsylvania auto insurance regulations make this a no-fault state with required personal injury protection (PIP) and not required uninsured motorist protection. The state does require drivers to have at least $5,000 in property damage liability coverage, $15,000 for single-person bodily injury liability and $30,000 in multi person bodily injury liability.

Pennsylvania Health Insurance

Pennsylvania health insurance regulations do not utilize a state-subsidized high-risk pool and do not require insurers to issue individual policies on a guaranteed basis. They do, however, offer an insurer of last resort. If you contribute to a health savings account (HSA) in Pennsylvania then you can deduct your contribution from your state income taxes.

Small groups in Pennsylvania can have as few as 2 members. Pennsylvania health insurance regulators do not require guaranteed issue policies to all members; as such, if any member with pre-existing conditions has had a break in coverage for 63 or more days during the past 6 months their condition can be excluded for up to 12 months. Group plans have no rating restrictions in Pennsylvania.

Pennsylvania Home Insurance

In 2010, Pennsylvania home insurance current and future customers got a bit of a boon in the approval of Traveler’s Insurance’s proposed discounts for green home improvement products. This means those with home insurance can enjoy a discounted rate if they make ecologically friendly choices in their home improvement materials. The state regulators do not require homeowners to have insurance or to make these updates, but they are great decisions for those looking to protect their most important asset.

Pennsylvania Life Insurance

Pennsylvania life insurance regulators created the Pennsylvania Life and Health Insurance Guaranty Association to assist policyholders in the event that their life insurance company was unable to pay claims as a result of insolvency. The association has been in effect since 1978 and provides up to $300,000 in death benefit protection and $100,000 in cash surrender values.

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