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Ask the Home Insurance Expert

Q. I have a lot of insurance claims and I need some homeowners insurance.


A. Sounds like you’ve put the cart before the horse here. You need to have an insurance policy in effect at the time of the damage or injury in order to have the claim paid.

Here are some home insurance basics.

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With Mother’s Day coming up soon, (it’s May 12 for anyone who doesn’t know) it’s time to look into how much they really do for us. According to the Mother’s Day Index, the monetary value of mom’s are declining. What does that mean? Believe it or not, it means they need more life insurance! See how much your mom is worth by adding up numbers on the Mother’s Day Index chart.

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You could be out thousands of dollars if you can’t locate the right life insurance company. Read More

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Know the key words to get your insurance claim processed quickly and easily. And no, one of them is not “abracadabra.”

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Ask the Health Insurance Expert

Q. Can my employer make me drop my wife’s insurance (dual coverage) if I want to keep their insurance?


A. Yes, they can decide they won’t insure spouses who are eligible for another health plan. Here’s more on your health plan’s weird rules. Read More

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You might be getting the generic drug and having bad side effects from the way it is made. Be sure to read all the fine print and talk to your insurance company about getting the brand name if you ever encounter a problem.

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Ask the Home Insurance Expert

Q. My insurance company wants to do interior and exterior inspection on my home. Called inspector who is an employee for the company and he said it was to identify any problems or hazards, etc. Never filed a claim or had inspection ever by insurance company. What generates inspection – I feel like it’s not so much to help me as is to insurance company’s benefit.


A. It’s definitely not to help you, that we can agree on. Inspections by home insurance companies are generally done when you have a claim or when you’re a new customer. This is an odd time for a random inspection. Would there be any reason your insurer would be concerned that the condition of your house has changed?

 We addressed inspections previously in this reader question. If you don’t agree to the inspection, the insurer could drop you at renewal time. Then you’d be where you are now – a new insurer might request an inspection. Read More

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Uh oh! We surveyed 1,000 U.S. married adults (half women and half men) in March 2013. 

  • 35 percent have dinged the car and blamed someone else. Husbands: 42 percent. Wives: 27 percent.
  • 25 percent have received a traffic ticket and not told their spouse. Husbands: 34 percent. Wives: 16 percent.
  • 24 percent have a secret car accident. Husbands: 31 percent. Wives: 17 percent.
  • 19 percent have forgotten to pay a car insurance bill and not said anything. Husbands: 23 percent. Wives: 15 percent.
  • 15 percent have driven without auto insurance without telling their spouse. Husbands: 21 percent. Wives: 9 percent.

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Ask the Life Insurance Expert

Q. My sister took a life insurance on our mother without telling me. Our stepfather is still alive and the mother has just passed away. Who is the beneficiary?


A. We can’t know who the beneficiary is without seeing the policy, and since you’re not the policy owner you don’t have a legal right to the information.

[Let Insure.com help you find affordable life insurance now.]

But I’m sure you have your suspicions – surely your sister made herself the beneficiary.


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