Non-Owner Car Insurance Explained
Non-owner auto insurance is liability-focused coverage for someone who does not own a vehicle but regularly drives vehicles they do not own; it…
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Practical insurance explanations and real-life coverage questions.
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Rental Car Insurance: What Your Auto Policy May Already Cover
A personal auto policy may extend some liability, collision and comprehensive coverage to a short-term rental, but the rental contract can create additional…
Keep readingWhat Affects Pet Insurance Premiums?
Pet insurance premiums can reflect factors such as species, breed, age, location, selected deductible, reimbursement percentage, annual limit and the insurer’s current rating…
Keep readingPet Insurance Enrollment Age and Age Limits
Pet insurers can set minimum and maximum enrollment ages, age-based plan restrictions or different options for older pets, so the age rule should…
Keep readingDental Illness Coverage in Pet Insurance
Some accident-and-illness pet policies can cover eligible dental illnesses as well as dental injuries, but routine cleaning, preventive dental care, pre-existing disease and…
Keep readingOrthopedic and Cruciate Waiting Periods Explained
Pet insurance can apply special waiting periods or waiver requirements to orthopedic conditions such as cruciate ligament injuries or hip dysplasia, and the…
Keep readingIndexed Universal Life Insurance Explained
Indexed universal life is permanent life insurance with flexible-premium mechanics and cash-value crediting linked in part to an external market index under a…
Keep readingLife Insurance Grace Periods and Reinstatement Explained
A life insurance grace period gives limited extra time to pay a missed premium before coverage lapses, while reinstatement is the process of…
Keep readingVariable Life and Variable Universal Life Explained
Variable life and variable universal life combine permanent life insurance with investment-based cash-value options, so policy values can rise or fall with market…
Keep readingHomeowners Insurance Deductibles: Flat, Percentage, Wind and Hail
A homeowners deductible can be a fixed dollar amount or a percentage of an insured value, and wind, hail, named-storm or hurricane losses…
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