Insurance Blog

Friday, October 15, 2010 10:00 am
By Jay MacDonald · Bankrate.com

In the first court test of the mandatory insurance provision of the health care reform package, a U.S. District judge upheld the right of Congress to require Americans to purchase minimum health insurance coverage. The ruling came last week in response to a lawsuit filed in Michigan by the Thomas More Law Center, which sought

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Tuesday, October 12, 2010 10:00 am
By Jay MacDonald · Bankrate.com

As health reform continues to dodge and weave its way toward the 2014 goal line, footwork has become increasingly important. The latest obstacle, and a delicate one for the Obama administration to sidestep, is the issue of “mini-med” health insurance plans. Mini-med plans are the inexpensive, limited health insurance plans typically offered to employees in

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Friday, October 8, 2010 11:46 am
By Jay MacDonald · Bankrate.com

Does homeowners insurance, or renters insurance for my friends in New York City, cover bedbug infestations? This is a question that few, if any, homeowners insurance agents have ever fielded prior to the Great Bedbug Epidemic of 2010. Now the calls are coming out of the woodwork, so to speak. My fellow blogger, the wonderful

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Tuesday, October 5, 2010 10:15 am
By Jay MacDonald · Bankrate.com

One minor hurdle that we all face when learning to read is the homonym; two words that are pronounced or spelled the same but have different meanings. Bear the weight versus Yogi Bear. There is similar confusion among homeowners between “private mortgage insurance” and “mortgage insurance.” Here are the bare facts about both. As many

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Friday, October 1, 2010 7:00 am
By Jay MacDonald · Bankrate.com

Most of us think of insurance as an expense instead of an investment. That’s understandable considering that it ranks right up there with mortgage payments and taxes as a major financial outlay each year. Even when we reap a “return” via a claim on our auto insurance, homeowners insurance or health insurance, we rarely see

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Tuesday, September 28, 2010 7:00 am
By Jay MacDonald · Bankrate.com

It’s late September here in Florida and the category storms heading our way from Africa are lined up in the Atlantic like seniors at the Early Bird Special, eyeing our tantalizing shores. Florida, you may have heard, is desperately trying to stabilize its housing market, which has been swamped, so to speak, with foreclosures.  The

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Friday, September 24, 2010 7:00 am
By Jay MacDonald · Bankrate.com

Here’s a fun exercise: pull your writing hand as far away from your body as possible, make a fist, then drive that fist as hard as you can into the side of your face. That’s precisely what a Who’s Who of major insurance companies did this week when they stopped selling health insurance policies for

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Tuesday, September 21, 2010 7:00 am
By Jay MacDonald · Bankrate.com

When we consider insurance, we tend to focus on the physical: our homes, our vehicles and our bodies. And certainly, homeowners insurance, auto insurance, health insurance and life insurance form a pretty good  goal-line defense against life’s unpredictable offense. But businesses of all sizes today face a threat they can neither touch nor see: cyber

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Friday, September 17, 2010 7:00 am
By Jay MacDonald · Bankrate.com

Now that school is back in session, it’s time once again for that popular full-contact family sport: Prod my high school student to school on time. Air horns ready? Tasers on full? Good. Let’s move ‘em out! But be careful what you ask for, lest your zombielike student driver exact a costly revenge on your

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Tuesday, September 14, 2010 7:15 am
By Jay MacDonald · Bankrate.com

“I’m from the government and I’m here to help you.” America’s small businesses have heard that song so often that when a rare government program does happen along that actually puts money in their pocket, such as the health insurance reforms mandated by the Patient Protection and Affordable Care Act (ACA), they are understandably skeptical. A new

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