Description: | Selecting home and auto insurance can seem like a complex task, at first; however, finding the right policies can ensure you are fully protected and that you can afford the coverage you have selected. If you have a mortgage on your home, the lender will likely require homeowner’s insurance. There are some lenders who build insurance coverage into your loan; however, you have the right to shop around for a better rate, if needed. Auto insurance is required for any vehicle owner. The minimal requirements for auto insurance coverage are determined by the state, and these often change from one year to the next. It is a good idea to use the same provider for home and auto insurance, as they will provide bundled deals for the coverage you need. Some of the insurance providers that offer this include Ohio National, Mutual of Omaha, MetLife, eHealth, and others. Finding the right coverage requires you to consider several factors including the value of your home and auto, the monthly payment you want, and the deductible amount you want to have. When selecting insurance coverage, working with a professional company or provider will help you find a solution that suits your needs. A small group health insurance policy is a type of medical insurance that is designed for businesses with 50 or fewer employees. In four states, these policies are for businesses that have as much as 100 employees. Any small group plan that has been in place since January of 2014 are compliant with the regulations of the Affordable care Act’s health coverage requirements. An insurer cannot use a group’s medical history to set the premiums for any ACA-compliant small group plans, and the premiums for senior or older employees cannot be over three times more than what is charged to younger employees. |