Louisville Insurance Blog

Benefits of a Health Savings Account (HSA)

Benefits of HSA

Chances are, when you started working, you had a meeting in the HR office about all your medical and insurance benefits and something called an “HSA” was blown over and mentioned here and there. This little gem in the insurance world might be your answer to paying for medical expenses without having to empty your [...]

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How Your Credit Score Can Affect Your Insurance Rates

How Credit Rating Affects Your Insurance

With the recent credit crisis, Americans have discovered the harsh reality of the consequences of bad credit. Along with increased insurance rates, decreased loan availability, and creditors on the phone; a bad credit score can also increase your insurance rates, or affect your ability to even get insured. Some insurance companies are now basing the [...]

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Review Your Homeowners Insurance before the Spring Rains

Review Your Home Insurance

Spring showers bring May flowers; and insurance claims. When the weather gets warmer and spring approaches, homeowners need to review their home insurance policy to see what they are covered for in the event of water damage in the home. Spring can bring multiple water problems into the home including melting snow, sewage back-ups and [...]

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How to Save Money When Insuring Teen Drivers

Ways to Save When Insuring Teen Drivers

Your blood pressure and your insurance premiums may both rise significantly when your teenager reaches that dreaded 16th birthday. For the teens, the age of 16 means freedom, late nights and fun. For parents, it means sleepless nights, lighter wallets and trouble. While there might not be much you can do for the personal anxiety [...]

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Medicare Supplement FAQ

Medicare Supplement FAQ

Q. What is a Medicare Supplement plan? A Medicare Supplement policy is private health insurance that is designed to supplement Original Medicare. This means it helps pay some of the health care costs (“gaps”) that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). If you have Original Medicare and a Medicare Supplement policy, Medicare [...]

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Named Perils v. Open Perils

Named Perils

Fire, lightning, windstorm, hail, explosion, riots, aircraft or vehicles, smoke, vandalism or theft; these are just a few of the many things that can cause damage to your home. These are also some of the most common forms of “named perils”. A peril is the term the insurance industry uses to describe the risks that [...]

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