Markets

What is homeowners insurance and what type of policy do you need?

Homeowners insurance protects your home and possessions against damage or theft and can provide liability protection for accidents that occur at your home. The three main elements covered in a homeowners insurance policy are dwelling coverage, personal property, and liability. HO3 coverage is the most common type of homeowners insurance […]
What is homeowners insurance and what type of policy do you need?
Markets

If your job offers AD&D insurance, it’s worth signing up for

AD&D insurance, short for accidental death and dismemberment, pays out a benefit if the insured is killed or severely injured in a covered accident. Unlike life insurance, AD&D doesn’t cover death due to natural causes or medical conditions. Because it pays out in more limited circumstances, AD&D insurance can be […]
If your job offers AD&D insurance, it’s worth signing up for
Markets

7 times you’re better off spending than saving

Saving money is important, but there are times when it’s necessary to spend. You shouldn’t cut corners when it comes to spending money on things that improve your health, happiness, or financial situation. Read more personal finance coverage. Money is a utility that, in its best form, is meant to […]
7 times you’re better off spending than saving
Markets

4 reasons you may need disability insurance, even if you think you don’t

Disability insurance can help replace your income if you’re ever unable to work due to illness or injury. Most people don’t think they will ever get hurt at work, but the most common claims for disability insurance aren’t on-the-job injuries. They’re for musculoskeletal disorders, cancer, pregnancy, and anxiety and depression. […]
4 reasons you may need disability insurance, even if you think you don’t
Markets

Climate change may affect your homeowner’s insurance policy in 2 ways

Dramatic weather events are on the rise all over the world thanks to climate change. While homeowner’s insurance typically covers things like wildfire and tornado damage, earthquakes require additional coverage. Homeowners in high-risk areas will want to re-evaluate their policies with the help of an insurance adviser, though all homeowners […]
Climate change may affect your homeowner’s insurance policy in 2 ways
Markets

7 reasons you may need life insurance, even if you think you don’t

Life insurance is crucial for anyone who financially supports a partner, children, or ageing parents. An average 20-something or 30-something nonsmoker can expect to pay between $US10 and $US50 a month for a term life policy depending on the coverage amount. You’ll likely pay more if you work a high-risk […]
7 reasons you may need life insurance, even if you think you don’t