Buying a house in this day and age is quite expensive. To the point, it’ll leave you broke. But, that does not mean that maintaining it should burn another hole in your wallet.  So, the question that now begs an answer is – do you need home insurance or home warranty insurance? And what is the difference between the two? Fret not, we have these questions covered. Home insurance covers the structure of your home and protects you from damages, theft and at times may extend coverage to medical expenses that occur on the property. Home Warranty Insurance protects the internal elements such as the systems and appliances of your home.  If you’re still unconvinced about the amazing advantages of home warranty insurance, here are more reasons why you should opt for it:  Cost-effective The cost of repair or replacement of any household appliance is anywhere between $6000 to $14000. But, if you had a home warranty insurance plan, it’d get replaced with no hassle.  Covers pretty much all major appliances and systems From your heating and cooling systems to all the major appliances, the warranty covers it all.  Get that sweet peace of mind All that stress of going through the yellow pages, finding one contractor that suits your needs, getting quotations, all that gets thrown out the window when you have a home warranty insurance plan.  Now, if these options have you convinced on why it’s absolutely necessary to get a warranty, let’s see when is the right time to get home warranty insurance coverage? You can get one when:

Homeowner’s coverage is a prudent solution to protect your home from unforeseen damages; however, it’s crucial to note that this doesn’t include the repair of home systems and appliances. This inconvenience might result in you spending hundreds of dollars even on a small repair. A viable solution to this quandary is a home warranty insurance as it covers repairs and replacements for home systems and a variety of home appliances. Interested? We thought so! To help you get started, we’ve chosen this year’s best providers offering top home warranty insurance plans and quotes. Have a look. American Home Shield Looking for customized service? Then you should check out home warranty insurance plans and quotes by America Home Shield. Their “Build Your Own Plan” option allows you to personalize coverage by giving you an option of selecting 21 systems and appliances. And you can add optional coverage for septic system plumbing, septic sewage ejector pump, well pump, and pool and in-ground spa equipment. But if you want to stick to the standard packages, America Home Shield offers a Systems Plan, an Appliances Plan, as well as a Combo Plan. AFC Home Club If you’re looking for a home warranty provider that lets you choose your own repair technician and offers a lifetime workmanship guarantee, then you must check out home warranty insurance plans and quotes by AFC Club.

Nursing liability insurance protects a nursing practitioner from any legal charges against them. These actions could be taken by a patient or the state board of nursing. Regardless of their designation, everyone who is an RN, CNA, and LPN requires substantial insurance coverage. That said, one should consider a few things before getting their insurance. Read on to know more. The importance of nursing liability insurance Defending oneself against the claims of a lawsuit can be expensive. This is where nursing liability insurance comes into the picture. With a proper coverage plan, one can keep themselves from incurring exorbitant legal fees, losing their license, and much more. Additionally, one cannot rely solely on their employer’s policy as it may fail to protect them if their case doesn’t lie in the company’s interest. Note: Liability insurance status is confidential information, and a prosecutor will not know about it unless they are informed. Reasons why nurses get sued It is a misconception that doctors are the only healthcare practitioners getting sued for malpractice or mishap. Nurses are often named in lawsuits, and failure to follow any of the following criteria can get a nurse in trouble: Inability to provide the accepted standards of care Failure to use medical equipment dutifully Failing to assess a patient’s health or communicate their health status Not acting in the patient’s interest Types of insurance policies There are two types of nursing liability insurance policies:

The death of a loved one is often hard to accept. And in such difficult times, one may overlook the financial strain funerals can put on their family. Burial insurance, also referred to as funeral insurance or final expense insurance, is a type of life insurance that covers the cost of final expenses. Many people often wonder whether or not, or when, they should buy burial insurance. This article answers these common questions and provides a list of the best burial insurance companies in the country. How does it work? Funeral homes usually do not offer burial insurance. Most people purchase it directly from an insurance company. In general, no medical examination is required to get the insurance, but the applicant might be asked a few questions concerning their health. There are two types of burial insurance policies, and the exact process depends on the type of policy an individual selects. Let us understand these policies in detail: Simplified issue life insurance: This policy is offered without any medical exam. However, the applicant will need to fill out a health questionnaire. Keep in mind that people in wheelchairs, those residing in nursing homes, and those with severe diseases like heart disease, HIV, diabetes, and cancer may be denied coverage.

After buying a new car and prepping it up with the latest automotive safety features, there’s still one safety factor you tend to miss out on—your auto insurance. Auto insurance is what stands between you and a massive financial liability in case of an accident; it is a contract between you and an insurance company, where the company protects you against any financial losses if you are involved in an accident in exchange for the monthly premiums you’ll have to pay. What is auto insurance and does everyone need it? Auto insurance is a policy that vehicle owners purchase to mitigate the costs that are associated with getting into an auto accident. So, instead of paying out of your pocket for the damages caused by the accident, you’ll have to pay monthly premiums to the auto insurance company, and the company will pay all or most of the costs associated with the accident or other vehicular damage. According to the laws in most states, all car owners should at least have basic personal auto insurance. Moreover, these auto insurance plans are priced individually which makes it easier to customize the coverage as per your budgetary needs. What are the tenets of choosing auto insurance?

Owning an automobile requires high-end upkeep and maintenance to ensure that it keeps running at an optimum state for miles. Every vehicle comes with an auto warranty. An auto warranty comprises an assurance from the manufacturer, wherein the company undertakes the responsibility to fix any defects in the product over a specific period. Such warranty is limited to certain repairs and defects only but primarily provides decent protection to the owner. Consequently, an auto warranty will offset the expense incurred in the repair or replacement of automobile parts. What is and isn’t included in a car warranty When it comes to coverage of auto warranties, you may want to look at several aspects, including your automobile’s brand, the type of warranty you seek, and the degree of coverage. Let us take a look at the types of car warranties that you can avail. There are several options to choose from when it comes to the right auto warranties for your vehicle. Here are the most common ones: Factory Warranty Buying a vehicle from a dealership implies that you will be getting a typical manufacturer’s warranty with your car. It is not limited to new cars only. You can also avail them with pre-owned vehicles and used vehicles.

Commercial vehicle insurance is a wise investment in addition to your vehicle insurance policy. You should actively invest in commercial vehicle insurance if you have vehicles on the road for business on a daily basis. Irrespective of the size of your business, commercial vehicle insurance will protect you against prominent liabilities and help you keep your finances intact. Read on to learn more about commercial vehicle insurance, the types of vehicles covered, and the cost of investing in one. What is commercial vehicle insurance? It is an insurance policy that protects you from liability, physical damage, usage, and provides you with a sum that is not covered under your regular vehicle insurance policy. Under commercial vehicle insurance, different types of vehicles that you use for your business ranging from company cars to commercial trucks are covered.     What are the types of vehicles that are covered under commercial vehicle insurance? Food trucks, box trucks, service utility vehicles, and work vans are only a few of the many commercial vehicles that are covered under a commercial vehicle insurance policy. This insurance policy also covers equipment or the tool inside the vehicle, as well as the driver of the vehicle. Different providers name commercial vehicle insurance differently such as commercial truck insurance, car insurance, fleet insurance, or auto insurance; however, they usually mean the same.

A home warranty is a contract for residential services. It provides coverage of the cost of maintenance of household appliances or systems for a limited period. It is essentially a contract between a warranty company and a homeowner, which assures the provision of replacement services or discounted repairs on almost all of the primary components of your home. The home buyer should most certainly opt for a home warranty when they purchase a used or a second-hand home towards which no apparent information is available concerning the items covered. How does a home warranty work When you buy a home, you should be aware of how well the previous owners managed or maintained the different components and appliances. In most cases, this information about the age of the different household components, as well as their shelf life, might not be known to you. Moreover, searching for an adept service contractor or a handyman could be a taxing affair for you as a homeowner. Hence, it is the high cost associated with the home component replacement or repair in addition to the lack of time that pushes the homeowner to seek a home warranty. Even though there are some similarities between home warranty and home insurance policy, particularly in terms of liabilities, claims, deductible, and premiums, they do cater to different services.

Home insurance or homeowner’s insurance is not a luxury; rather, it is a mandatory requirement. It is important because it guards the home and all the possessions inside your home against theft or damage. Every mortgage company has made it necessary for the borrower to get insurance cover for either full or the fair value of the home. Moreover, a borrower might not be able to get a loan or finance their real estate residential transaction without producing a valid homeowner’s insurance proof. Now, you don’t need to own a house to get insurance. Some landlords make it mandatory for the tenants to have a renter’s insurance cover. Of course, this is not a mandatory requirement, but it is certainly good to be protected. Now, let’s understand a few important details associated with homeowner’s insurance. Some tips for cost-cutting on a homeowner’s insurance Of course, it doesn’t work to be cheap when it comes to insurance, but you should certainly try to reduce the cost of the premium. Here are some steps that you can follow for the same. Have a security alarm at home If you wish to lower the insurance premium’s cost on your homeowner’s insurance policy, you should get a security alarm installed in your home.

With the inflating cost of hospitalization, medical care, and medicines, not having health insurance can strain your finances and savings. While expensive premiums may deter you from investing in health insurance, it leaves you severely underprepared when a medical emergency strikes. With the right health insurance cover, you can access the medical facilities and treatments for you and your family, without worrying about its cost. Therefore, investing in health insurance, especially when you are young, will provide you and your family with protection against a number of diseases in your later years.   Why do you need medical health insurance? Health insurance not only gives you access to top-notch hospitals and medical facilities in the country, but also bears the exponentially high cost of medical expenses, which can be financially strenuous. Additionally, it makes you self-sufficient, prepared for trying times, and ensures that you only need to focus on improving your health and not worry about medical expenses. Moreover, opting for the right health insurance, helps you access a number of other minor health facilities such as dental care, skin care, and eye care. Moreover, health insurance prepares you for the rising cost of medical expenses, without stressing your finances via affordable premiums.

Your furry little friends need looking after just like people do, as pets can be equally prone to illnesses; however, veterinary care and treatment can be a costly affair. To shield your wallet from unexpected bills, you might want to consider getting pet insurance—a concept that has gained immense popularity since 2014. Interestingly, a report suggested that the total premium for pet insurance in the country has risen to nearly $2.6 billion this year. Understanding pet insurance Pet insurance is like any other insurance where owners (policyholders) pay a premium every month, which adds up to a substantial amount over time and helps mitigate the financial cost of an emergency or procedure that a pet might need. Most plans cover accidents and illnesses but exclude a few conditions like behavioral issues, grooming, pre-existing or hereditary conditions, dental diseases, routine check-ups, and preventive care. This is why owners should opt for a healthcare plan when the pet is young and relatively healthy. Although the premium amount increases with the age of the pet, the rising costs of treatments can justify the need for insurance. For instance, vet treatment costs for severe illnesses range from $5,000 to $10,000. Notably, insurance companies usually reimburse a percentage of the total healthcare bill, depending on the composition of the plan, and so owners will have to account for out-of-pocket payments for treatments.