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Insurance





LATEST STORY  

   Cut homeowners rates with a few simple steps
Shopping around, raising deductibles and checking for discounts can save money on homeowners insurance.


WEB RESOURCES  

Insurance statistics
The latest facts and statistics on property, auto and life insurance from the Insurance Information Institute.
Glossary
Definitions of common insurance terms
Insuring your life
Life insurance basics from the Better Business Bureau
Car insurance: Keeping the costs down
Tips on how to minimize your car insurance principal.
Consumer tools
Learn about insurers and how to file a complaint at the National Association of Insurance Commissioners web site.
Insure.com
Comprehensive information on auto, life and health insurance, including 12 things your auto insurance provider won't tell you.

HEADLINES  

Pet health insurance
Home insurance, health insurance, auto insurance, life insurance... pet insurance? While 14.6 percent of Americans don't have health insurance, a small, but growing number of people are opting for pet insurance to help cover major veterinary costs. Some policies also can include routine examinations and vaccinations.

Making sure you stay insured
When I hear about the rising cost of health insurance premiums, I'm reminded of Jerry Lewis in an old movie, "The Orderly." Jerry is a hypochondriac who finds himself exhibiting the symptoms of whatever ailment each of his patients happens to have as he walks through the ward. In today's version of the movie, Jerry would be afflicted with only the diseases of the uninsured patients under his care. He would be a poster boy for those who have fallen through the cracks of our health insurance system...

Term life insurance compared with cash value
Q:I'm looking to buy life insurance to supplement the $50,000 I have at work. I know you advocate term rather than cash-value insurance, but I don't recall why.

Policies cover identity theft
The thieves who stole Amy Jo Sutterluety's identity spent $70,000 in her name. They also took her time: a month to close 15 fraudulent accounts.

Not fluent in insurance? It will all be covered
In the middle of an interview last week with Randy Rohrbaugh, deputy Pennsylvania insurance commissioner, I suddenly realized why our discussion about auto insurance seemed so tortured.

House insurance way up
Be sure to check that homeowners' insurance policy when it comes in the mail. If you're like most people, your rates are going up sharply this year -- 20 percent, 30 percent even 100 percent -- even if you've never filed a claim. And your coverage probably is coming down, to exclude such high-cost problems as household mold.

How to cut the cost of your car insurance coverage
If you haven't looked at your auto insurance policy lately, it's time for a reality check. After years of holding their rates steady - and in some cases even dropping them - many of the top auto insurers have boosted rates this year, including State Farm (6.9 percent), Farmers Insurance (6.9 percent) and Allstate (8.9 percent).

Tips for comparison shopping for auto insurance
Shopping for auto insurance quotes sounds simple, but it can be a big problem if you don't know what you're looking for. For starters, you'll need to understand your current policy so you can compare it to a competitor's offer. Check the fine print to understand what the policy covers - and what it doesn't.

Check up on your disability benefits
Many consumers overlook their disability income insurance coverage and needs when evaluating their employee benefits - which could leave them without money to pay mortgages, rent or other expenses if they are out of work.

Insurance firms clamp down
At a time when the soft economy has forced many more people to buy health insurance on their own, insurers are imposing steep premium increases on individual policyholders and are making it harder for new applicants to qualify for coverage.



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