Scott Insurance

JANUARY 31, 2024

has seen an increase in their homeowners insurance premium. According to Money.com , an independent publisher, recent year-over-year premium increases have averaged 20%, and policyholders should expect to see at least a 10-15% increase in 2024. Because of this, as the expenses of building a house increase, so will insurance premiums.

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Protect Commercial Insurance

OCTOBER 4, 2024

Understanding this connection can help you make informed decisions about your investments and protect your financial well-being. How Interest Rates Influence Insurance Costs Insurance premiums are sometimes indirectly influenced by interest rates. Here’s how: insurers rely on investment income to keep premiums competitive.

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Smart Insurance Agents

AUGUST 19, 2024

Key Takeaways Texas offers a variety of dental insurance plans, including PPO and DHMO options, that provide financial protection against routine and emergency dental costs. Imagine the peace of mind knowing that a sudden dental emergency won’t break the bank; this is the financial protection that dental insurance provides.

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Shield Insurance Agency

APRIL 19, 2024

This coverage pays for damages to your vehicle regardless of fault, meaning that even if you are at fault for the accident, your insurance will cover the repair costs up to the actual cash value of your vehicle, minus your deductible. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

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Property Insurance Centre

SEPTEMBER 25, 2024

This might seem like an advantage since this saves cost initially, though it might lead to high premium costs later on. Whether you are a homeowner or a landlord, ensuring adequate protection for your property is crucial. Key Takeaways Building insurance is essential to protect your property, but it can be complex.

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Smart Insurance Agents

AUGUST 19, 2024

Medigap helps with out-of-pocket costs like deductibles, copays, and coinsurance, providing clearer financial protection. However, the premium costs can vary between different insurers. Each Medicare Supplement insurance plan can vary in premiums and coverage, so it’s a good idea to compare these options closely.

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American Agents Alliance

AUGUST 22, 2024

On September 28, 2022, Governor Gavin Newsom signed Senate Bill 1107, also known as the Protect California Drivers Act , into law, which will double minimum auto liability limits. The most immediate impact will be an increase in premiums for drivers currently holding minimum coverage policies.

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Smart Insurance Agents

OCTOBER 15, 2024

The ACA’s individual mandate, which required everyone to have health insurance, was a critical component in maintaining a balanced risk pool and keeping premiums affordable. Before this repeal, the penalty was based on the national average premium for a Bronze plan, which could amount to a substantial sum.

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Jackson & Jackson

MAY 22, 2024

Investors must understand the importance of securing comprehensive commercial property insurance coverage to protect their investments. “Understanding Multi-Family Property Insurance” Commercial property insurance is a vital safeguard for property owners, protecting their assets against various risks. .

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Cover4LetProperty

JANUARY 29, 2024

In order to cover the financial liability of having to settle customers’ claims, the insurer charges premiums that reflect the assessed risk of having to pay out in the settlement of a claim.

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Bankers Insurance

MAY 16, 2024

These policies can provide critical financial security as homeowners seek to protect their fiscal stability and property. Even among typical homeowners policies, premiums likely increased year over year. Various parts of a home insurance policy can contribute to a homeowner’s premiums. Reduce liability risks. Adjust coverage.

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Distinguished

JULY 22, 2024

Designed specifically for the needs of collectors, this specialized coverage offers protection tailored to the high values and distinct risks associated with collectible items. For example, transit coverage , which protects items while they are being shipped or moved, is often excluded from homeowner’s policies.

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Freeway Insurance

NOVEMBER 22, 2023

Eligible students can apply for financial assistance to reduce the cost of insurance premiums. First, it’s like a safety net that protects you from unexpected medical bills, so you can get the healthcare you need without worrying about money. Silver Plans: Silver plans balance cost and coverage.

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Jackson & Jackson

APRIL 28, 2024

This article outlines the top five mistakes property investors make with insurance and provides practical tips on avoiding them, ensuring your investments are adequately protected. This often happens when trying to save on premiums. Think about business interruption insurance to protect your income stream during repairs.

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Smart Insurance Agents

AUGUST 28, 2024

Beneficiaries should consider monthly premiums, provider networks, and prescription drug formularies when selecting a Medicare Advantage plan, with resources like Medicare.gov available for assistance. Some of these plans come with $0 monthly premiums, making them an attractive option for cost-conscious beneficiaries.

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Healthinsurance.org

JANUARY 2, 2024

PPOs will cover out-of-network care, but the deductible and other out-of-pocket expenses are typically higher (often significantly so) for out-of-network care. But those provisions are only required to apply to in-network care, so they don’t reduce out-of-network deductibles.) POS plans are not common.

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Healthinsurance.org

APRIL 25, 2024

2 And thanks to federal legislation, the American Rescue Plan (ARP), that enhanced ACA premium subsidy eligibility for millions of consumers, you’re more likely than ever to find Marketplace coverage that’s subsidized – and you won’t have to wait for the next annual open enrollment period to enroll if you’re eligible for a SEP.

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Smart Insurance Agents

SEPTEMBER 3, 2024

The Health Insurance Premium Payment (HIPP) program helps families pay for private health insurance when it’s more cost-effective than Medicaid alone. Additionally, Medicaid may cover private insurance costs, including premiums, coinsurance, and deductibles, making it a valuable secondary insurance option for many families.

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ProWriters

APRIL 17, 2024

We at ProWriters can help you understand the risk, explain it to your clients, and secure the Cyber Insurance policies that provide the protection they need. Cyber Liability bodily injury options typically come in two forms: First-party coverage protects businesses or individuals directly affected by the cyber incident.

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Maritime Insurance International

MARCH 3, 2020

Given the risks you face, boat insurance can be a wise purchase to help protect your investment. Loss of your own personal effects or those of a passenger while onboard or getting on/off your boat can be protected. Loss of your boat to theft, fire, or serious weather events while it’s moored in a marina or in storage can be protected.

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Smart Insurance Agents

SEPTEMBER 2, 2024

Understanding Health Savings Accounts (HSAs) An HSA is a tax-advantaged savings account designed for individuals with high-deductible health plans (HDHPs). – Crowns: Applied to protect and strengthen damaged teeth. Contributions to an HSA are made with pre-tax dollars, reducing your taxable income.

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Bankers Insurance

AUGUST 8, 2024

Doing so can make all the difference in providing sufficient protection and preventing coinsurance penalties amid covered property losses. By understanding how to conduct accurate ITV calculations, businesses can stay protected when covered events occur and avoid potential coinsurance penalties. inflation).

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TGS

SEPTEMBER 6, 2023

Some carriers impose a 5% construction deductible, which means extra money out of your pocket for something that would’ve been covered with advance notice. In that case, your insurance carrier may consider it vacant, which means you won’t be protected from damage caused by intruders.

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Smart Insurance Agents

SEPTEMBER 1, 2024

Insurance plans often impose higher copays, deductibles, and coinsurance rates for out-of-network care compared to in-network services. If you already have Marketplace insurance, automatic enrollment into a new plan can prevent gaps in coverage, ensuring you remain protected throughout your move.

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Freeway Insurance

NOVEMBER 21, 2023

One of the main reasons why Open Enrollment is so important is that it helps protect your health and finances. Don’t forget to pay attention to things like monthly premiums, deductibles, and coverage for your doctors and medications. You will also need to choose how you will pay your monthly premiums.

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Maritime Insurance International

JUNE 5, 2020

With proper coverage, you can protect your investment and even cover expenses following an accident. There are a range of factors that may impact the premium you will pay for your policy. Unlike car insurance, boat insurance is not required in most states. Here are some cases where you may need boat insurance: State Requirements.

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Jackson & Jackson

MAY 23, 2024

You have poured your heart and soul into your venture, and it’s only natural that you want to protect it. It acts as a safety net, protecting your business from unexpected events that can cause financial hardship. As a result, insurance premiums tend to be higher in California compared to other states.

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Jackson & Jackson

APRIL 29, 2024

This article outlines practical tips and strategies to help commercial property owners in California minimize their insurance expenses while maintaining adequate protection for their investments. Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums.

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Redbird Agents

JUNE 14, 2024

FIA Accumulation Highlights : Review premium requirements, fixed rates, withdrawals and more! Fixed Annuity Highlights : Inform your customers on current yields, first year bonus rates, minimum premiums and more! Purchasing “Options” protect funds from loss in market is how customers have downside protection with upside potential.

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Distinguished

SEPTEMBER 17, 2024

What are some of the key factors you consider when determining appropriate coverage limits and deductibles? If we are comfortable with our exposure, we may consider increasing the AOP deductible and the theft deductible , depending on the underwriting analysis. So specific to limits, I just mentioned security.

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Freeway Insurance

OCTOBER 8, 2023

This article will talk about the things that make car insurance claims cost a certain amount, and will also show how Freeway Insurance works to protect its customers’ money and peace of mind in this area. Right off the bat, you might have to pay your deductible, which is the amount you agreed to when you got your insurance.

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Smart Insurance Agents

AUGUST 23, 2024

By overhauling the payment model, instituting inflation protections, and fortifying MTM services, Medicare’s 2025 Prescription Plan is laying the groundwork for a more effective, enduring, and patient-focused Part D program. By reviewing drug prices and controlling costs, the board would help protect the interests of Medicare beneficiaries.

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TGS

SEPTEMBER 11, 2023

TGS Insurance » Blog With hurricane season in full force, South Carolina residents living on the coast must protect their homes from the upcoming storms. Understanding how windstorm insurance works in these areas is the first step in adequately protecting your home. The law protects all land designated “beach” by the legislature.

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Triple-I: Homeowners Insurance

APRIL 5, 2024

The widespread damage incurred from Idalia last year highlighted the importance of being financially protected from catastrophic losses – and that includes having adequate levels of property insurance and flood coverage,” said Triple-I CEO Sean Kevelighan.

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Cover4LetProperty

OCTOBER 10, 2022

As with any security deposit, it needs to be returned – less any deductions that are agreed upon – to the tenant when the tenancy ends. What does let property insurance cover offer by way of protection? That means there needs to be sufficient money available to you to make that payment. Further reading: Guide to Renovating.

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Scott Insurance

MARCH 10, 2021

The American Rescue Plan also increases Affordable Care Act (ACA) subsidies available to individuals in the exchange by capping the cost of premiums at 8.5% The additional premium subsidies will extend through 2022. The additional premium subsidies will extend through 2022. of household income for the benchmark plan.

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Healthinsurance.org

JUNE 20, 2024

A domestic partnership – officially recognized in some states and municipalities but not by the federal government – represents a committed relationship between two people, but it does not confer the same rights and protections as marriage. Most Marketplace enrollees qualify for premium tax credits (premium subsidies).

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