Two Health Insurance Plans that New Jersey Offers Their Residents

Recently the Affordable Healthcare Act was passed so that everyone had access to health insurance. Prior to that there were many people who were unable to get insurance because of the cost or due to pre-existing conditions. If you have been shopping for New Jersey health insurance with, you know that the legislature in New Jersey put together two programs back in 1992 that guaranteed health coverage for individuals as well as for small business owners.

Two Health Insurance Plans that New Jersey Offers Their Residents

The Individual Health Coverage Program, also known as IHC, was created so that individuals who didn’t have an employer to provide insurance for them or didn’t qualify for any government programs could purchase affordable coverage on their own. This meant that they could purchase health insurance for themselves as well as their family members through private insurance companies.


These plans are renewable and created by the board of the Individual Health Coverage program as well as the plans sold by insurers referred to as B&E plans, or Basic and Essential. Both of these types of plans are available to one individual person, a family unit, two adults, or one adult and a child or children. The plans chosen could be from an indemnity plan, an HMO or managed care plan which uses a network of providers, or a PPO, Preferred Provider Organization. An Exclusive Provider Organization, or EPO, works in conjunction with the B&E plans.


Anyone who employs from 2 to 50 people is eligible to check out the Small Employer Health Benefits Program. The occupation of the group is never an issue nor is the health status of any of the members. Some people are able to continue their health insurance coverage when they leave a company by contracting for ongoing coverage through COBRA. This type of coverage is expensive and if one payment is received even a day after the due date the policy is cancelled.


There are guidelines, restrictions, and revisions to both policies so make sure you check out the website for the State of New Jersey under the Department of Banking & Insurance on their website. You may also check out the plans available through the Affordable Act Insurance or seek out individual agencies that may be able to help you. This is the best time to get health insurance because you cannot be turned down due to a pre-existing condition.



Categories: Health Insurance

Illinois Insurance

A fantastic plan for life is to hope for the best and plan for the worst.  Like it or not, even with the best planning we cannot completely predict everything that may happen.  With insurance however, we can at least plan for the unknown and make tentative steps towards ensuring some level of security if the worst were to happen.

Insurance is the perfect way to plan for whatever life can throw at you.  In the state of Illinois, there is an incredible range of insurance options depending on what your particular needs may be.  From health insurance, property insurance, renters insurance, and pet insurance, to automobile insurance and life insurance, if you have a need for Illinois insurance, private insurance companies in Illinois will be able to help

  1. Health Insurance


Health insurance in Illinois is dependent on if you are working and whether or not your place of employment provides health insurance.  If it does not, then there is the healthcare marketplace exchange, set up as a result of the Affordable Care Act.  If you do not have a job, then there is either Medicare or Medicaid depending on your age.


  1. Property Insurance

Also known as homeowners insurance, this protects your home and what is located in your home from any number of external threats.  From theft to natural disaster, it is very important to carefully review what property insurance covers so that you can be absolutely sure whether or not you need to seek additional coverage.

  1. Renters Insurance


Renters insurance, purchased by the renter, covers what he or she owns when renting a space.  If there is theft, then the renter can file a claim even if they do not own the house itself.

  1. Pet Insurance

A growing number of pet owners are choosing pet insurance for their animals.  While it usually does not cover flee, tick, and pre-existing conditions, it can go a long way to making highly expensive surgeries less costly.

  1. Automobile Insurance

A necessity to drive legally in Illinois, all vehicles has to be insured.  With several statewide and nation wide car insurance providers, finding a competitive rate and becoming insured is a simple enough process.

  1. Life Insurance

Life insurance can come through employment or be taken out individually.  With a life insurance policy and a named beneficiary, individuals can trust that if the worst were to happen to them, then those they love would at least be covered financially.

Categories: Insurance

How to prepare yourself to find the best Michigan home insurance quotes

Find the best Michigan home insurance quotes

Tracking down the best Michigan home insurance quotes isn’t exactly the easiest process that you’re going to have to deal with as a homeowner.

Not only are there literally dozens and dozens of different companies that offer unique Michigan home insurance quotes many of them are going to be comfortable telling you pretty much anything and everything you want to hear in order to get your business – whether or not there are actually able to deliver on those promises.

The only way to make sure that you are getting rock solid coverage that will provide you with the complete level of protection that you deserve is to research as many Michigan home insurance quotes as reasonably possible. But the only way you’re going to be able to do that is if you know exactly what you’re looking for and are prepared for the task at hand.

Hopefully we’ll be able to help you out with that!

Understand EXACTLY what you need to begin with


The first step in finding the best and most relevant Michigan home insurance quotes is taking the time to understand EXACTLY what you need from your home insurance in the first place.

Too terribly many people go into the home insurance purchasing process blind, looking for something – anything – that seems to make sense and offers them at least a baseline level of coverage. That just isn’t going to cut it today.

Instead, you’ll need to make sure that you understand exactly how much insurance you need to fully replace your home in the event of a catastrophic failure or emergency, as well as how much “floaters” insurance you need to protect your possessions inside that wouldn’t have been covered otherwise.

With these details in hand, you’ll be off to the races!

Find out how these Michigan home insurance companies handle their claims process


It’s also mission critical for you to understand exactly how your new home insurance company is going to handle the claims process should you have to take advantage of the insurance that you are investing in.

You aren’t going to get this information out of Michigan home insurance quotes, unfortunately. No, you’re going to have to actually pick up the phone yourself, contact and insurance representatives from the company, and have them walk you step-by-step through the entire process. This is the only way that you’ll know you’re making the right decision before pulling the trigger and signing on the dotted line.


Categories: Home Insurance Quotes

How to Use North Carolina Auto Insurance Quotes

Finding affordable auto insurance doesn’t have to be time-consuming or difficult. When you choose the right comparison-shopping method, you’ll be primed to access amazing resources which help you to isolate the best deal on this form of mandatory insurance. The key to success is learning how to find and use North Carolina auto insurance quotes.

How to Use Carolina Auto Insurance Quotes

Once you’ve done so, you’ll be able to compare the prices of policies from different insurance companies, side by side, and you’ll be able to find the most attractive deal on a preferred level of coverage. Now, let’s talk about the best way to find and utilize these types of quotations, which are estimates for the cost of North Carolina car insurance…


How to Find Quotes


Finding quotes will be so easy simply by just visiting official insurance websites which offer policies to North Carolina state residents. You’ll find that most national companies do provide these sorts of services, so you’ll have plenty of choices. Since quote generators are found at most well-known insurance company websites, it will be easy to plug in a little information and then access fast, free quotes. Without these quotes, the task of shopping for auto insurance may be a little daunting!


Before you start using quote generators, which are also known as quote calculators, it will be smart to create a brief list of prospective insurance companies. Each company on your list should have a wonderful reputation with real-life clients. It’s simple to check out the reputations of companies online, so don’t hesitate to look up online feedback. When you do, you’ll be able to put together a short list of top-notch providers. Any one that you choose as your preferred provider should offer good customer service.


Next, compare policies from all of the companies on your short list. You may also collect quotes at their official websites. Once you’ve collected a few quotes for policies with appealing levels of coverage, you’ll be ready to do a deal. It’s quite simple to apply for policies these days. In fact, you should have no trouble applying for car insurance via the World Wide Web.


Shop for Car Insurance Today


Shopping for car insurance doesn’t have to be a struggle. Our tips should help to make it easy. Once you’ve shopped around and located an affordable policy with the right features, you’ll be ready to sign on the dotted line and you’ll be able to drive your car legally in the state.


Categories: Auto Insurance Quotes

Pennsylvania auto insurance basics you might not be aware of

Pennsylvania auto insurance basics you might not be aware ofMost people (those that own vehicles, anyway) have been buying Pennsylvania auto insurance for at least a few years, or are about to head out and purchase their very first policy right now.

And while most people feel like they have a hang of the process and understand how to ferret out the very best deals and the very best prices for top-of-the-line coverage, the truth of the matter is most people in Pennsylvania – and all over the country, for that matter – are paying way too much for automobile insurance.

We are talking WAY too much here.

Arm yourself with the basics below and you’ll be to land the very best price on Pennsylvania auto insurance without compromising the coverage that you are protecting yourself with.

Shall we jump right in?


There are A LOT of Pennsylvania auto insurance discounts out there


One way to dramatically reduce the amount of money that you are spending on Pennsylvania auto insurance is to take advantage of as many auto insurance discounts as you can reasonably find.

Every single automobile insurance service out there has a variety of different discount policies and discount conditions that they offer almost all of their customers, though they don’t do a fantastic job of advertising these savings opportunities.

Surprise, surprise.

All you have to do so is ask your insurance company about these discounts and you will almost always find out which ones you qualify for and which ones will help you save the most money.

It really is that easy.


It usually doesn’t make sense for a teen driver to “own” their own car for insurance purposes


If you are thinking about buying your new teen driver a car, it’s a fantastic idea to put that car in your day and add it as an extra vehicle to your plan than to have them pay for their own insurance at a very young age.

Teen drivers (especially those that just received their licenses) are incredibly high risk drivers, and will usually have to pay sky high insurance rates. By adding an extra car to your plan, the insurance agency will figure that the teen driver is going to be driving the vehicle a lot less frequently than they would have been otherwise – and you’ll be able to save a boatload of money while protecting them with the best possible coverage.

Categories: Auto insurance

Arizona homeowners insurance

Arizona homeowners insuranceHomeowners insurance is not mandatory by law in the State of Arizona, but remember, your Mortgage Company or landlord may make such insurance a condition of your mortgage or rental agreement. This being said most landlords have specialist landlord insurance on their properties so if you live in a rental property this is less likely to be an issue.


In these times of financial hardship for many people it is easy to be tempted by the savings achieved by not having homeowners insurance. However, there are a number of good reasons why you may want to seriously consider purchasing homeowner insurance and one of these is the risk of flooding in the State of Arizona.


Arizona is one of many US States that are prone to flooding and the cost of damage caused by flooding should not be underestimated or taken lightly. Luckily, many reputable Arizona homeowners insurance companies are authorized to offer homeowners flood insurance through the National Flood Insurance Program or NFIP. Your insurance company will usually insist that you carry general homeowners insurance with them before they will provide the additional flood insurance coverage.


The NFIP is managed by the Federal Emergency Management Agency with the aim of reducing the impact that incidents of flooding have on those who are affected. Being backed by the US Government means that cover is not as expensive as you may think typically ranging from $100 to $500 depending on the area you live in and the risk associated with that area.


The official website for this coverage can be found at and provide advice, guidance and information on all aspects of the National Flood Insurance Program including a quotation estimate tool to give you a better idea of the potential cost of insuring your property.


It is important to understand that areas of your property that are below ground level will have lower levels of coverage to those areas of your property that are at or above ground level. This is obviously due to the increased risk of flooding to basements or below level areas.


However, this does not mean that there is no coverage and certainly items such as boilers and electrics that are an integral part of the functioning of the house are covered irrespective of where they are in the house. It is more perishable items such as carpets, clothing and personal belongings that are not covered by NFIP insurance.

Categories: Homeowners Insurance

Ohio Homeowners Insurance

Learn the Facts about Ohio Homeowner’s Insurance

Ohio Homeowners Insurance

If you’re searching for Ohio homeowners insurance and you want to find an affordable policy which also offers a decent level of coverage, you’ll benefit from this quick guide. Our tips and advice are designed to give you more control over how much you spend on your next policy and which features it will have.


First off, let’s discuss why you need Ohio homeowner’s insurance in the first place…


Benefits of Homeowners Insurance


Homeowners insurance will help you to acquire a mortgage via a financial institution. The truth is that most banks or other financial institutions will not provide mortgages to clients who don’t have homeowners insurance in place.

The rationale behind this is that banks and other financial institutions gain protection via mortgage insurance, just like homeowners do. For this reason, it’s definitely in your best interest to buy one of these policies if you will need financing in order to buy a home.

In addition, when you buy homeowners insurance, you’ll be able to gain protection against problems which lead to unexpected expenses. Examples of common features of Ohio homeowner’s insurance include dwelling protection (which offers financial assistance in the event of certain problems, such as fire, vandalism or wind damage) and personal property protection, which will allow you to replace any belongings which are damaged while they’re in the home (or stolen from the home).

These policies are all different. In other words, there are different levels of coverage and it’s important to know what you’re going to get in return for your premiums. Whether you choose basic, intermediate or advanced coverage, you’ll access certain policy features and it’s important to know what they will offer to you in terms of protection when problems actually do arise.

In some cases, this financial assistance may be enough to rebuild a home if it’s been destroyed due to certain factors. Reading the fine print on a prospective contract will help you to gather every bit of vital information about exactly how much coverage you will access.


Where to Buy Homeowner’s Insurance


These days, it is possible to buy homeowners insurance online. While every insurance company which serves Ohio State may not offer online services, many of the biggest insurance companies – such as nationwide firms – do offer this important service.

To find homeowner’s insurance for the state of Ohio, just do a Google search online. This will be the quickest and most reliable way to find what you want. Utilizing the keywords, “Ohio homeowners insurance”, will provide targeted results. So, why not get started today?

Categories: Homeowners Insurance

Cool Facts about Cars

If you ever doubted that cars are a huge part of life in today’s world, doubt no more. There are more than a billion cars on roads worldwide these days, proving what a necessity a vehicle is across the globe.  It also proves the huge geographic scope of the automobile industry.


In 1959, phone booth stuffing pranks were getting old, so college students decided to see how many students could be stuffed into a Volkswagen Beetle.  That number maxxed out at 18. The fad faded out in the mid 1960s. A new fad may be springing up: stuffing people into Smart Cars. Stay tuned for that.


What makes a car fun to drive? Many factors—usually it is a combination of performance, speed, style and luxurious interiors. When a car accelerates in a heartbeat, it’s a rush that can’t be beat. The wind in your hair in a convertible? That’s a feeling of freedom.  Leather interiors and a heated car seat in the cold? Indescribable.


Traffic. We all complain about it, but some of us choose to live in places where drive times are horribly slow.  In Los Angeles, drives on some days spend 40 of every 60 minutes in the car just sitting in traffic.  That’s a whole lot of sitting.  Folks who live in small towns spend less time in traffic. Lucky them!


If someone asked what cars are targeted most often by car thieves, you might think of an SUV or luxury brand. But actually, Hondas are the most often stolen, specifically the Accord and Civic.

Cool Facts about Cars

Google’s self-driving cars –imagine no steering wheel—are enticing, especially for those of us who sit in traffic for hours. Imagine how they would open up the world for disabled people who can not drive at all. These advanced technology cars could change the driving landscape forever. The question remains, though, about insurance. What would having a driverless car do to New York Auto Insurance?


Is the US the place with more cars per capita than any other nation? No. It’s fourth. Tiny Monaco ranks ahead of the U.S.


Did you know Henry Ford was much more than a car maker? He was an inspirational guy who believed in the power of thought. A famous quote attributed to him is “Whether you think you can or think you can’t, you’re always right.”


And so was he.

Categories: Auto insurance

What will happen to Cuba’s vintage cars?

What will happen to Cuba’s vintage cars?Anyone who has visited Cuba can tell you that the country is full of classic cars.  Gorgeous, historic old vehicles.  It makes any move about Cuba memorable, because Hollywood loves to use the classic vehicles on set for mood and scene.  So why aren’t there more new cars in Cuba? Is Cuba’s car population frozen in time just because Cubans love the vintage look?


Not at all. The situation is far more complicated than that. But it’s changing.


Some 50 years ago, the US mandated a trade embargo against Cuba and at that point, no new vehicles could be sold to the country.  Not to be outdone, Cuban officials mandated that only those cards already in Cuba when the embargo was put into effect could be sold or traded in Cuba.  If you didn’t have a car to trade or sell, you had to get special permission.


That’s why of the 11 million people in Cuba, only a small minority owns cars. When families have to worry about where their next meal is coming from, a car is a luxury.


But times are changing, thanks to some moves by the Cuban government in 2014.  Cuban officials began to allow people to freely trade cards and buy them –if they could afford to. Pay for an average Cuban is only about $250 a year, but the Cuban government has added huge markups to new vehicles. Now a new car can cost between $100,000 and $250,000 in Cuba. On only $250 a year, few Cubans can afford a new car.


With the US now in talks about trading with Cuba, more change could happen and the trade embargo could be lifted. It is possible that American cars could become available in Cuba in the future. And, American car collectors may be able to get their hands on some of the 1950s and earlier vehicles on Cuba’s roads.


But it’s buyer beware:  Most of these vintage cars are in poor condition and unsafe at any speed. If you think your California auto insurance quotes are high, just think of what they would be like for some of these old cars in Cuba.


Still, there are some old cars in pristine condition –as well as some rare ones–and American collectors would love to own them. As Cuba opens to Americans, it will be interesting to see how the car market there—and here—changes.

Categories: Auto insurance