Home and Health Insurance Resource Guide
For many, home and health are two of the most important aspects of life. When
something bad or unexpected happens, to either, it can be tremendously
frightening and costly. When one buys insurance, it's a move to protect
themselves and reduce some of the financial burden that can come from illness or
damage to one's home. Despite the knowledge of why these insurances are needed,
purchasing either health or home insurance can prove confusing and difficult.
The primary reason for this confusion is the many different options that are
available, which can make it hard to know what is right for one's personal
When it comes to health insurance, many people have benefits through their place
of employment and choose a plan from the options that are made available to
them. Other people, such as the self-employed, must purchase their own
insurance. This can be costly depending on one's income, current health needs,
and the desired plan. Fortunately for low-income people, there are programs that
can help them get the insurance that they need at a lower premium. When
searching for insurance for oneself or family, one should check the health
insurance marketplace in their state, as it will provide more detailed
information about what options are available. Even the most basic of insurance
will cover certain services to some extent. These services include
hospitalization, laboratory tests, emergency services, preventative services,
pediatric services, prescription drugs, and mental health and substance abuse
Homeowner's insurance can be confusing due to the fact that it comes in many
types, also known as homeowner forms, or HO forms. HO0, or the dwelling and fire
form, is the form that home mortgage banks will acquire for a borrower if they
fail to maintain their homeowner's insurance coverage. HO2, known as the broad
form, is the lowest form of coverage typically available to homeowners, and it
covers only the dangers (perils) that are named. HO3, also called the special
form or "all risk" coverage, covers all risks to a home except those that are
named. HO4 is the tenants form and is typically for renters. HO5 is the
comprehensive form and is a more extensive type of coverage than HO3. Floods and
earthquakes generally are not covered under insurance policies and have to be
covered by special forms of insurance provided by the government or another
alternative agency. Personal liability is another form of coverage that may or
may not be included in a homeowner's policy. Homeowners should always ask about
personal liability insurance in the event of a problem such as a dog bite.
Homeowners and renters insurance is also necessary to protect belongings in a
car in the event of loss, as they are not protected by auto insurance.
- Home and Home
Security Resources for Insurance Quote-Seekers: Click this link to
review helpful links for the home. Visitors to this page can review links
that provide home security, energy, and theater tips.
- Toxins and
Non-Toxins: This link opens a page on the Environmental Alternatives
website. On this page, readers can find links to further information
regarding toxic and non-toxic materials and ingredients.
Why Insurance Agents Should Use Social Media to Sell Insurance Online:
Insurance agents will find an article that provides four reasons why they
should utilize social media.
- Salt: How Much
Should Be Stored: The information on this survival prep blog provides
readers with tips on how much salt should be stored for potential use in a
Multi-Vehicle Collisions and Fault According to Providers of Insurance
Online: On this page, there is an article that discusses who is at fault
in a multi-vehicle collision. The article cites several insurance companies.
of Insurance Online: Several different insurance companies are outlined
on this Web page. Each of the featured companies has a link to its external
Appliance Insurance Information That You Need to Know: Before buying new
appliances, consumers can find information regarding insurance on this Web
page. The information in the article discusses what it is, how it works, the
cost, and whether or not it is necessary.
Wyoming Health Insurance Pool: Visitors can find out general information
about the health insurance benefits offered by the state of Wyoming by going
to their website. The information pertains to benefits for citizens who
cannot get coverage due to pre-existing health conditions.
Renters' Insurance: Read a very brief overview of students' renters'
coverage options at Eckerd College's renters' insurance page.
Frequently Asked Questions: Private Passenger Automobile Insurance:
Click here to visit the Arkansas Insurance Department's questions and
answers page about auto insurance, health insurance, and workers'
compensation. The page also includes information about homeowners insurance
and deals with questions such as mandatory coverage levels, different types
of insurance available, and whether pregnancy can be excluded as a condition
under a policy.
Home and Auto Insurance: Syracuse University has a brief overview of
their group auto and home insurance plan through MetLife on this page.
Additional links to other related resources can be found at the bottom.
Information for Graduates: This notice by the University of Pennsylvania
pertains to the expiration of health insurance benefits for students
graduating. The article also talks about additional information regarding
the Penn Student Insurance Plan and benefits for graduate students. They
also provide a list of additional related links at the bottom of the page.
Student Health Insurance Plan: This page by Tulane University explains
to students their obligation to carry health insurance. The minimum
standards and waiver information are some of the subjects they cover. At the
bottom is a list of links to other university services.
Renters' Insurance: Go here to visit a questions and answers page about
renters' insurance by the Colorado Department of Regulatory Agencies. To the
right of the page, there is a link to a Home Inventory Checklist PDF, which
users can print out and fill out for their insurance company or for