FAQ’s

Car Insurance - FAQs

Get answers to frequently asked questions about car insurance, from coverage types to pricing and legal obligations, ensuring you're fully prepared to hit the road safely.

Factors include your driving history, age, type of vehicle, location, and coverage options. Additional factors like your credit score and annual mileage can also play a role.

Comprehensive coverage includes damages to your car caused by events like theft, vandalism, natural disasters, or animal collisions, beyond accidents.

Yes, most insurers allow you to add multiple vehicles to a single policy, often at a discounted rate.

In most states, having a minimum level of auto insurance is required by law to protect other drivers and pedestrians in case of an accident.

Home Insurance - FAQs

Get clarity on home insurance with these FAQs, covering everything from standard coverage to ways to lower your premiums and secure your property effectively.

Home insurance typically covers damages to your property from fire, theft, vandalism, or natural disasters. It also includes liability coverage for injuries or accidents that happen on your property.

Flood and earthquake coverage are generally not included in standard home insurance policies and need to be added separately.

Yes, you can purchase landlord insurance, which covers the property itself and liability for renters, though tenant's personal property isn’t covered.

You can lower premiums by increasing your deductible, bundling policies, installing security systems, or improving home safety (e.g., storm-proofing).

Health Insurance - FAQs

Understanding health insurance is important for making informed decisions. Here are answers to some frequently asked questions to guide you.

An HMO (Health Maintenance Organization) requires you to select a primary care physician and get referrals for specialists, while a PPO (Preferred Provider Organization) offers more flexibility in choosing doctors and specialists without referrals.

Under the Affordable Care Act (ACA), most health plans are required to cover pre-existing conditions without charging higher premiums based on your health history.

An out-of-pocket maximum is the most you’ll have to pay for covered services in a policy period. After reaching this limit, the insurance will cover 100% of your covered healthcare expenses.

Generally, under the ACA, you can stay on your parents' health insurance until you turn 26, even if you’re married or no longer living with them.

Life Insurance - FAQs

Here are answers to frequently asked life insurance questions, covering everything from policy types to coverage needs, designed to guide your decision-making process.

Term life insurance provides coverage for a set period (e.g., 10, 20, or 30 years) and is usually more affordable. Whole life insurance provides lifetime coverage and includes an investment component.

Some life insurance policies, especially term life, may require a medical exam. However, there are no-exam policies available for certain coverage amounts or types.

A general rule is to have coverage equal to 10-15 times your annual income. However, your personal situation, including debts, dependents, and future expenses, should be factored in.

Yes, most life insurance policies allow you to adjust coverage levels, beneficiaries, and sometimes convert a term policy to a whole life policy, depending on the provider.

Medicare - FAQs

Our Medicare FAQs answer your questions on eligibility, coverage options, and sign-up requirements to guide you through the process.

Medicare is a federal health insurance program primarily for individuals aged 65 or older. It’s also available to younger individuals with certain disabilities or health conditions.

Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

Medicare Advantage (Part C) is an alternative to Original Medicare, offered by private insurers and often includes additional benefits. Medicare Supplement (Medigap) helps cover costs that Original Medicare doesn't cover, such as deductibles and co-payments.

You need to sign up for Medicare when you turn 65 unless you have other qualifying health coverage, like through an employer. Delaying enrollment without other coverage can result in penalties.