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?

Rhode Island Insurance Guide

Rhode Island is the smallest state in the U.S. But while small in size, Rhode Island is large in seafood, tourism, history and insurance regulations that keep residents safe and happy.

Rhode Island Auto Insurance

Rhode Island auto insurance regulations do not require personal injury protection (PIP) coverage but do require uninsured motorist coverage in this at-fault state. In addition, they require drivers to have at least $25,000 in property damage liability coverage, $50,000 in bodily injury liability for single-injury accidents and $50,000 for multiple injury accidents. But policyholders in Rhode Island can also satisfy these requirements with a combined policy.

Rhode Island Health Insurance

Rhode Island health insurance regulators may not require all individual policies to be guaranteed issue, but they do require continuous coverage be available to individuals who have had creditable coverage for 12 consecutive months. The state does not have a high-risk pool but they do allow state income tax deductions for health savings account (HSA) contributions.

Group health insurance policies can be obtained by groups as small as one member. In one-member groups, coverage must be guaranteed unless the applicant is eligible for group coverage elsewhere. Individuals within the group who have a pre-existing condition can have their condition excluded for up to 6 months if they had a 909 day or longer break in coverage over the past 6 months.

Rhode Island Home Insurance

Rhode Island isn’t prone to many natural disasters other than the occasional New England hurricane. Unfortunately, 2010 brought many Rhode Island home insurance companies flood claims that were unpaid because residents did not have proper flood coverage. The Federal Emergency Management Agency (FEMA) is stepping in with some grants, but this should serve as a lesson to uninsured or underinsured homeowners everywhere to beef up their coverage. After all, FEMA may not give grants when you are in need.

Rhode Island Life Insurance

In 1985, the Rhode Island life insurance regulators created the Rhode Island Life and Health Insurance Guaranty Association. The association was formed in order to ensure that life insurance policyholder’s who were denied claims because an insurer became insolvent, would have some recourse. The association provides up to $300,000 in death benefits and $100,000 in cash surrender value payments to qualifying policyholders.

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