Insurance Blog

Saturday, June 26, 2010 10:00 am
By Jay MacDonald · Bankrate.com

At the risk of incurring the wrath of those who feel otherwise, let me politely suggest that we refrain from the use of personal fireworks this Fourth of July, both for the sake of our homeowners insurance rates and the safety of those around us. I know, I know: What about the rockets’ red glare?

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Tuesday, June 22, 2010 10:14 am
By Jay MacDonald · Bankrate.com

Hail is the Rodney Dangerfield of home insurance hazards: It gets no respect. On the scream-o-meter, it barely moves the needle compared to earthquakes, hurricanes, tornadoes and floods. It’s rarely deadly, and its hit-and-run nature usually eludes TV crews, leaving only home video or snapshots of hailstones sent in by viewers to the evening news

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Saturday, June 19, 2010 9:00 am
By Jay MacDonald · Bankrate.com

What’s better than one health insurance policy?  Why, dual coverage, of course, as typically happens when both spouses sign on for group coverage through their respective employers. In theory, dual coverage should eliminate most out-of-pocket expenses; the primary insurer would typically pick up 80 percent, the secondary insurer (the spouse’s carrier) the remaining 20 percent. But

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Tuesday, June 15, 2010 10:38 am
By Jay MacDonald · Bankrate.com

Flood flash: State Farm is opting out of the National Flood Insurance Program, or NFIP. In a June 9 news release, one of the nation’s largest home insurance underwriters said it will cease writing new flood insurance policies as a participant in NFIP’s “Write Your Own” program beginning Oct. 1. State Farm said its agents will continue

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Saturday, June 12, 2010 9:25 am
By Jay MacDonald · Bankrate.com

Gulf Coast homeowners facing the unknown ramifications of the Deepwater Horizon oil spill received some solid good news from the government this week: The National Flood Insurance Program will cover property damage caused by oil in flood waters. As we wrote about recently, the outcome is far less certain for homeowners insurance coverage, should the

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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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