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Insurance

Protect Yourself from Catastrophic Loss With the Often Overlooked Umbrella Policy

What happens when you are sued for more than your basic homeowners or auto insurance policy covers and are found liable? Well, for most people, it would mean liquidating unprotected assets in order to satisfy the judgment. This may mean garnished wages, selling property, and possibly losing some of your investments. This is certainly a […]

5 Quick Homeowners Insurance Tips That Can Save You Money and Your Home

Your home is likely your most valuable asset–make sure it is properly protected. While insurance agents will help determine the kind of coverage you can buy, it is ultimately your responsibility to know what the policy covers. And remember, insurance agents are salesmen and typically work on commission. This isn’t a bad thing, but be […]

Is it Smart to Buy Disability Insurance?

I occasionally receive questions from readers that ask about a number of financial issues, and a recent reader asked: “Is is smart to buy disability insurance?” Of course, without understanding someone’s complete financial situation, it is impossible to give a straight “yes” or “no” answer, I can provide some insight as to when it is […]

Understanding Social Security Disability Benefits - Who’s Eligible and How it Works

While I’ve talked about the importance of having disability insurance in the past, a lot of questions still arise regarding Social Security disability benefits. Everyone seems to have a story, or know someone who’s receiving Social Security disability, so there is always some skepticism as to whether or not outside coverage is needed. Think of […]