Insurance Blog

Tuesday, June 8, 2010 11:04 am
By Jay MacDonald · Bankrate.com

Amid all the Punch-and-Judy punditry surrounding President Barack Obama’s historic passage of health care reform, somehow we lost sight of what it’s likely to save living, breathing Americans across the economic and political spectrum on health insurance. A new report, “The Impact of Health Reform on Health System Spending” released by the nonprofit Center for

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Thursday, June 3, 2010 2:04 pm
By Jay MacDonald · Bankrate.com

Tempers are flaring once again over yet another authorization lapse in the National Flood Insurance Program, or NFIP, which Congress allowed to expire at midnight on May 31st. Lawmakers are not expected to address an extension before June 7 at the earliest, leaving frustrated homebuyers, home sellers, Realtors and insurance agents unable to obtain coverage

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Thursday, June 3, 2010 8:00 am
By Jay MacDonald · Bankrate.com

With health care reform commanding most of the insurance headlines lately, it is all too easy to place disability insurance on the back burner where we most prefer to keep life’s scary things. After all, health insurance sounds so optimistic. Health! Vibrancy! Viva la vida! And most of the high-profile handwringing, congressional and otherwise, has

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Wednesday, June 2, 2010 2:58 pm
By Jay MacDonald · Bankrate.com

If you own one of the 5 million U.S. homes and businesses required to carry flood insurance under the National Flood Insurance Program, or NFIP, you may soon breathe a sigh of relief if the progress made recently on Capitol Hill toward a five-year flood insurance extension bears fruit. One of the more heartburn-inducing aspects

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Tuesday, June 1, 2010 9:18 am
By Jay MacDonald · Bankrate.com

Here in Florida, if you’re nautical by nature, you can get a rush just walking the docks and checking out the clever names on the sterns of the pleasure fleet. Naturally, Jimmy Buffett references rule down here, with 5 O’Clock Somewhere, A Pirate (or Parrot) Looks at 40, Changes in Latitude, Shaker of Salt and

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Thursday, May 27, 2010 11:34 am
By Jay MacDonald · Bankrate.com

Even as we stoke up the barbie for Memorial Day weekend, nervous home insurance companies are chewing their nails in anticipation of the official start to hurricane season. This year, tensions are running higher than normal among homeowners and insurance underwriters, and for good reason. Record water temperatures in the Atlantic combined with the departure

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Tuesday, May 25, 2010 5:07 pm
By Jay MacDonald · Bankrate.com

Here on Florida’s Gulf Coast, we sit and wait and wonder: Will our homeowners insurance absorb some of the sticky, smelly loss should the BP oil spill soil our property? Floridians are used to dealing with a boatful of home insurance coverages that indemnify us against the perils of paradise: federal flood insurance, hurricane coverage,

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Thursday, May 20, 2010 11:38 am
By Jay MacDonald · Bankrate.com

What do your credit score, debt utilization ratio, the quality of your credit cards, and your student loan and mortgage history have to do with your homeowners and auto insurance rates? Plenty — at least if you insure through a company that uses credit-based insurance scoring. Insurance companies commonly consider the above personal financial information

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Monday, May 17, 2010 5:00 pm
By Jay MacDonald · Bankrate.com

It’s easy to label younger drivers as wild in the streets, given their propensity for dangerous distractions such as texting, cell calls, fourth meals and blasting 50 Cent rap hits at molar-loosening volume. Logic would dictate that their sky-high auto insurance rates are a direct reflection of the risky way they roll. But when it

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Thursday, May 13, 2010 2:04 pm
By Jay MacDonald · Bankrate.com

Jimmy Buffett, whose personal fortune, Margaritaville and Landshark brands and parrothead concert tours make him something of an expert on all flavors of insurance, was admittedly at a loss for direction when he sang, “I don’t know where I’m a-gonna go when the volcano blows.” So what does happen from an insurance perspective when a

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