June 21, 2011

Sometimes insurance agents tell you what they think you want to hear in order to sell a home insurance policy and secure a commission.

When misfortunes occur, homeowners who count on insurance to carry them through tough times sometimes get an unpleasant surprise: They don't have all of the policy protections they thought they had purchased from their agent.

June 21, 2011

Nonprofit United Policyholders offered presentations to residents interested in rebuilding their homes green after the Sept. 9 pipeline explosion and showed that there is help available.

Jerry Guernsey was always talking about making his house more green.

In fact, he has considered himself green for the last 40 years, as he was known for using scrap metal to work...

June 16, 2011

Just as more consumers are gravitating toward shopping sites like Amazon.com and Zappos.com, more auto insurance consumers are shopping online than ever before.

According to a 2011 study by J.D. Power and Associates, 54 percent of auto insurance shoppers are getting quotes online. That’s up from just 3 percent in 2005, says Jeremy Bowler, senior director of the global insurance practice...

As posted at:
June 13, 2011

Can't get dental insurance coverage through your employer? If not, you may be tempted to skip dental cleanings and other treatments. But good basic care lowers your risk of suffering a major, expensive problem in the future.

There are three ways to approach dental care if you don't have employer-based coverage - purchase your own private insurance, opt instead for a discount plan or...

June 13, 2011

While consuming hundreds of thousands of acres of forest lands and meadows, the Wallow Fire has destroyed more than 50 structures in its path, with more than 5,000 still in danger.

Whether the owners of destroyed or damaged buildings will be able to rebuild and restore them to pre-fire condition could depend on the state of their insurance. Odds are, about half of them could face...

June 8, 2011

A home warranty can protect your home's heating, electrical, cooling and other systems from expensive problems that regular home insurance doesn't cover.

That means if your water heater fails, a home warranty – legally known as a service contract –could save you hundreds of dollars in repair costs.

As posted at:
June 6, 2011

Q: What is an umbrella insurance policy, and under what circumstances should I have one? -- Matthew M., Smithfield, N.Y.

A: An umbrella policy is extra liability insurance that protects you if you are sued.

Homeowners and auto policies offer personal liability coverage, but most people only carry the minimum required by their state, typically $20,000 to $100,000...

As posted at:
June 2, 2011

As we were discussing roofing scams around the office, it prompted some interesting conversation.

After a hailstorm in 2006, a salesperson knocked on my door and offered to fix our damaged roof. I told him I was fine and didn't need his help. Instantly, his tone changed and he became more aggressive, so much in fact, it awoke my husband from a nap.

He thrust his business card...

June 2, 2011
As posted at:
May 31, 2011

Clad in hard hats and sturdy shoes, about 20 insurance executives from around the country tromped through the new state-of-the art concrete flood defenses fortifying the New Orleans area to decide for themselves whether the region is safer -- and more insurable -- than it was six years ago.

Their impressions could have a big effect on how easy it is for homes and businesses in the New...