March 15, 2012
Need information or help with a money matter? Chances are good you'll find what you need at one of these sites, which rank among the best on the Web. This is an incredibly personal list. There are many other worthy sites out there, sites that, like these, are all about money: making it, spending it, saving it, investing it, protecting it. But this is my list. These are the sites I like, the ones...
As posted at: MSN Money

March 14, 2012
Phillip Berger insured his Maryland home through Allstate for 23 years. But a home disaster forced him to take his business elsewhere, he said. Berger, 58, is not new to property damage or insurer conflict. Years ago, a tornado swept over his home and damaged his chimney. Last year, he benefitted from a successful class action settlement with Allstate. So when frozen pipes caused his house to...

February 29, 2012
When considering how much home insurance to buy, the main issue isn't how much your house is worth on the real estate market. More important is how much it will cost to rebuild the dwelling if it is destroyed. Your home's reconstruction cost may be vastly different than the market value, especially with today's depressed housing prices. Too often, homeowners don't learn they're underinsured until...

February 29, 2012
Deciding whether to buy a life insurance policy for a child can be difficult, and there is strong disagreement over the benefits of such policies. Advocates assure you that life insurance policies for children are great financial tools as part of larger portfolios of savings and investments. In contrast, critics assert that insurance for kids is a waste of money for most families, since it rarely...

February 21, 2012
About 11 million U.S. households with children under age 18 had no life insurance coverage as of 2010, according to LIMRA, a worldwide research and consulting organization for the insurance and financial services industry. Overall, less than half of U.S. households had individual life insurance, a 50-year low. That means if the breadwinner or the person responsible for childcare and household...

February 16, 2012
Any kind of disaster insurance can be very tricky. Fine print in a policy can mean the difference between having the money to rebuild - and having nothing. But, reports Julie Watts, of CBS station KPIX in San Francisco, a dispute over what caused a flood disaster in one California city in May is leaving many policyholders high and dry. For many in Capitola, it still seems like a bad dream. "...

February 16, 2012
Some homeowners soon may see their insurance-related costs go through the roof. Eventually, Allstate customers with roofs more than 10 years old won’t have the full cost of new roofs covered under their home insurance policies. Allstate’s House & Home program will pay the “actual cash value” of a roof that needs to be replaced if it’s older than 10 years. Bottom line: Homeowners will foot the...
As posted at:

February 1, 2012
The images of the tornadoes, floods, earthquakes, hurricanes and wildfires of 2011 remain seared in our memories. You might live in one of the areas battered by weather tragedies. Or you might have frantically checked on friends and relatives who were affected by natural disasters.  As Americans sorted through what was left of their homes in disaster-ravaged areas, many people filed...
As posted at:

January 27, 2012
SACRAMENTO, Calif. (KGO) -- If a disaster strikes, is your home fully insured? New rules are now in effect to make sure you're covered. 7 On Your Side's Michael Finney explains. You pay for insurance for years, hoping to never need it. Then, there's a disaster and that's when many find out they haven't bought enough insurance. "People, so often, after they have a large loss, find out they have...

January 18, 2012
It’s no secret that independent insurance agents — who sell auto, home and other types of coverage from more than one insurer — earn their keep through a commission each time a customer signs up for a policy. After all, they need to be compensated for matching a consumer with the proper coverage. But what consumers may not know is that independent insurance agents can earn more than one...
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