Recent Articles By Michelle Megna

Motorcycle insurance requirements by state
Motorcycle requirements, including licensing, safety gear, and insurance, vary by state, so riders must check their state's specific regulations to ensure compliance.
Why rebuilding costs are higher after a catastrophe and how to protect yourself
The cost to rebuild after a catastrophe climbs due to demand surge. Ensure that your home insurance policy will cover you even if costs climb.
Does home insurance cover damage from fallen trees?
Home insurance covers the damage when a tree falls on your home or other structures. There are some exclusions; find out what they are.
Ten ways to save on your renters insurance
Save money on renters insurance with discounts, smart shopping and other tips for getting the cheapest renters insurance.
Life insurance for people with bipolar disorder
It's difficult but not impossible to get life insurance with bipolar disorder. Be prepared to show regular, effective treatment to increase the chances of approval.
Guide to homeowners insurance
Find the best home insurance quotes based on your needs and location. Compare rates, coverage, and features from top companies that can help you save money.
Earthquake insurance basics
Earthquake insurance covers damage to your house and personal property caused by land movement. Home insurance doesn't cover earthquakes.
Guide to car insurance discounts
Learn more about the types of car insurance discounts that are available.
Does car insurance cover reckless driving?
While illegal activity and reckless driving aren't usually covered by car insurance, there are instances when your coverage will pay out.
How alcohol use affects your life insurance premiums
Life insurance rates are based on many factors including overall health & habits, excessive alcohol consumption is considered a health risk. You may face higher premiums if you are a heavy drinker.
American International Group Homeowners Insurance
Learn about AIG home insurance reviews and ratings, including how they ranked in our best home insurance survey 2022.
The 10 most dangerous foods to eat while driving
Eating while you drive is one of the most distracting things you can do. Find out what are some other dangerous distractions.
The difference between cancellation and nonrenewal of car insurance
There are important things you must know if you don't inform your insurance company of your decision to terminate, even if it's at the end of your policy period.
Insuring a teen driver in single-parent households
If the teen's parents are separated, the teen should be listed on the parent's policy with whom he or she lives. Some insurers require that all drivers be named on both policies. Read on to learn more.
How to give a car as a gift — and keep it a secret
Financing, titling and insurance for a secret car gift requires some special timing. Here's how to pull it off.
Getting mental health treatment coverage for children
Getting mental health treatment for your child can be an ordeal. Here's how to understand the game.
Total warfare: What to do when your auto insurer totals your car
When you total your car, you cause substantial damage, and your insurance company has the right to decide that your car isn't worth fixing.
Chubb Home Insurance
Learn about Chubb home insurance company, including how they ranked on our annual best insurance companies survey.
Home Insurance Companies
Here is a list of today’s leading home insurance companies. Learn more about these insurers and how to contact them.
The basics of long-term care insurance
When buying long-term care insurance, your age is a primary factor in determining its cost; the younger you are when you buy the policy, the cheaper your premiums will be.
8 top car insurance myths to steer clear of in 2018
Don't lose money because you buy into common car insurance myths. We debunk some top bogus insurance misconceptions.
Drunk-driving penalties by state
What will happen to you if you're pulled over for drunk driving? See alcohol impairment (DUI) laws by state.
Moving and insurance: Checklist for a smooth move
Every insurance policy will need some attention when you move. Here's a helpful checklist.
What your health, life and disability insurers know about you
Health insurance, life insurance and disability insurance all use medical records to set your rates or deny coverage. When medical records are accessed, there are questions about personal privacy.
Driving into Mexico? You’ll need south-of-the-border car insurance
For your travels south of the border, you will need a car insurance policy specifically underwritten to cover liability and losses in Mexico.
Health care reform: Health insurance exchanges
Health insurance exchanges will be set up in each state to serve as a one-stop shop for comparing health plans and buying health insurance.
Insuring your valuables
If you own valuable items in your home, make sure you have the proper insurance to protect them. Find out what you need to know.
Health insurance options for pregnant women
Pregnant? Here are ways to navigate the health insurance system.
Fourth of July weekend is a deadly time to be on the road
See how major holidays stack up in terms of fatal car accidents and alcohol-related deaths.
Don’t shoot yourself in the foot: When to file that auto insurance claim
Read these important tips befiore you file a car insurance claims that could end up costing you more than you'll receive.
6 health insurance myths
Hearsay and incorrect information often fuel people?s misunderstandings of health insurance.
Evaluating cancer insurance
How to select a cancer insurance policy and determine whether it's a good bet.
Mental health parity laws by state
Most states have enacted legislation that requires health insurance plans to provide coverage for mental health treatment that's equal to coverage for physical illness.
HIPAA: Your rights to health insurance portability
The Health Insurance Portability and Accountability Act imposes limits on the extent to which some group health plans can exclude coverage for pre-existing conditions.
A heart-breaking choice: The family dog or home insurance
Although U.S. households with dogs now outnumber those with kids by a 2-to-1 margin, dog owners can face difficult and even heartbreaking choices when it comes to securing or renewing home insurance.
Swimming in the assigned-risk pool for car insurance
If you have numerous speeding tickets, traffic violations or a recent history of car accidents, you may be swimming in the high-risk pool for car insurance.
The basics of maternity leave
If you're thinking about starting a family, it's a good idea to plan for the unexpected -- especially when it comes to your health insurance.
How to help your parents with health insurance
As parents grow older, it often falls to their children to provide the care they need. Learn more about options for your parent's health insurance.
Cheap health insurance for 20-somethings
How to find low-cost health insurance when you're young
How to arbitrate a car insurance claim dispute
Mediation and arbitration can be thought of two stages of the same overall process. Every arbitration case begins with mediation. If that fails, the case moves to arbitration.
Second-level letter of appeal for a health insurance claim denial
A sample second level of appeal letter for a denied health insurance claim.
How to avoid a health insurance claim denial — and what to do when you can’t
There are several ways to work out your situation after having your health insurance claim denied.
The 5 biggest lies told to car insurance companies
Fudging on your car insurance application to save on the premium may seem like a harmless white lie, but it can spell trouble for you down the road.
Page 2: How pregnancy leave coordinates with the Family Medical Leave Act
Afteryou have determined your eligibility for pregnancy-related benefits, you also need to be aware of how they may coordinate with the Family Medical Leave Act.
Some companies will insure straw-bale homes
A growing number of straw-bale homes are being built across the nation, with an increasing number of companies insuring them.
Consumer group lists “deadliest cars”
Consumers Union has ranked what it claims are the four 'deadliest' cars of all time: the Camaro, Corvette, Firebird, and the Mustang.
The trouble with drunk friends
Home insurance could cover a drunk friend's actions at your house. But if you serve drinks to your friends when they come over, you could be taking on a large risk.
Don’t blame high-performance cars alone for their high accident and death rates
While high-performance cars might have higher accident death rates than other vehicles, car enthusiasts should agree it's wrong to lay the blame solely on the vehicles.
Expect double-digit jump in health care costs in 2003, survey says
For the fourth consecutive year, large employers will experience a double-digit increase in their health care costs.
Hidden health hazards: What you don’t know can hurt you
While you're certainly aware of many common health risks and germ factories, we went looking for less-known hazards that lurk where we sleep, eat and frolic.
Annuity Surrender: Getting out of your annuity
If you have an annuity whether it's variable, fixed, or equity-indexed and you're thinking of dumping it, carefully consider the consequences of your decision.
Proper insurance coverage for college-bound children
Learn how your auto, home and health insurance is affected when your child goes off to college.
How to haggle for a lower price with your doctor
Everything in health care is negotiable. Here are tips for negotiating your medical bill down.
Health insurance guide helps legislators navigate public policy
HSAs combine a high-deductible health insurance policy with a savings account. The high-deductible policy protects the insured from the many costs.
The basics of group health insurance
There is power in numbers, especially when it comes to finding affordable health insurance. Here's how group health insurance works.
Medical treatments insurers won’t touch
Insurers are the gatekeepers of health care for most Americans. This arrangement can put investigational and experimental medical treatments out of reach.
Homeowners premiums fluctuate with community’s fire-fighting ability
One factor that affects your home insurance premium is how well your city copes with fires.
Countrywide Insurance gives wireless access to quotes and agents
California-based Countrywide Insurance Services (CIS) is believed to be the first insurance agency in the country to help consumers buy insurance using their wireless devices.
Business Men’s Assurance bought by Liberty Life
Business Men's Assurance Co. of America (BMA) has been purchased by Royal Bank of Canada (RBC) through Liberty Life Insurance Co.
Insurance for in-law apartments
It's a little home within a home, but whether an in-law apartment is covered under a current homeowners policy is a tricky issue.
Insurance coverage for alternative medicine
Access to — or insurance coverage for — alternative health care benefits is provided in various ways.
Page 2: What demutualization means for policyholders
What do you get out of demutualization?
Cigar smokers see the best life insurance rates drift away
If you smoke cigarettes or a pipe, you're going to be placed in a high-risk category and will pay more for your life insurance rates.
Proper insurance coverage for college-bound children
Find out how to keep health insurance for your college-bound child.
Safeco Home Insurance
Know more about Safeco home insurance company. Explore types of coverages and discounts offered by Safeco Home Insurance.
Hartford BIC home company page discounts coverages
Know more about Hartford home insurance company. Explore types of coverages and discounts offered by Safeco Home Insurance.