When buying homeowner’s insurance, you are buying a package. You cannot break this package. You either take all of it or none of it at all. There are six parts to the insurance package. Typically, they are identified as Coverages A,B,C,D,E, and F. This can be intimidating when buying homeowner’s [...]

Last Tuesday, Dateline started a piece about identity theft. They have done segments on identity theft in the past, but this is an ongoing series that is going deep into the life and behind the scenes of identity thieves and the elaborate crime rings going on around the world. I didn’t get to [...]

Unfortunately, the holidiays bring out the best and the worst of people.  Scams are most commonly found around the holidays, and consumers need to be educated about what to look out for when going shopping in the stores and online this year.  CNN Money has a good article about which scams to look out for [...]

Hey everyone,
I am very excited to announce that one of my articles was posted on one of my favorite magazines.  Check out the Insurance For Stewards article at Relevant Magazine.  I have a feature article talking about the four most indispensible insurance policies that a young person should own.  You can check out my comment [...]

Today, I was reading an article in USA Today about homeowners that lost a court case contesting the policy language of their homeowner’s policy about storm surge/flood waters regarding the devastation from Hurricane Katrina. The judge upheld the ruling that the policy language is clear about not covering damages caused by storm surge or flood [...]

As a twenty-something, I have really never paid attention to long-term disability insurance.  Because I am in the prime years of my life, I have this feeling of invincibility like nothing could happen to me.  I feel great and I work at a desk job.  But lately I started thinking about how one tragic event [...]

Insurance companies are not philantropists.  They create programs ans educate people about how to reduce their risk, because the less risk they have to take on, the more money they make!  That is the nature of the insurance business.  I definitely know, because I am a property and casualty insurance adjuster.  If you have ever [...]

UPDATE: To check out my most recent post about the 2007 Hurricane preparedness salex tax holiday, GO HERE.
From now until June 1st, residents of Florida will be able to buy designated hurricane supplies with no sales tax in preparation for the upcoming hurricane season.  The season officially starts June 1st, and many Florida residents [...]

The bottom line with health insurance is that too few people have it, and the people that do have it pay a chunk load of money to have it.  The feeling of NOT having health insurance is always an uneasy one.  Even if you are in general good health, the possibility of an accident or [...]

This blog is geared primarily toward twentysomethings, so my insurance recommendations will be answered based on the assumption that you are a college student, recent graduate, or similar young adult.
Car Insurance
The law makes you carry some kind of auto insurance, but the minimum requirements are NOT enough.  PIP (Personal Injury Protection) is bodily injury coverage [...]