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Do I need a title insurance?
Many buyers question whether or not title insurance is right for them. To answer the question first we’ll explain what title insurance is and what it does. What is it? A title is a document that gives you a legal right to a property. Before closing all properties are subject to a title search to insure there are no “clouds” (errors or legal entanglements) that may affect ownership rights.What does title...Basic Terms and Types of Equine Insurance
Before researching equine insurance, it is important to understand some basic insurance terminology. The basic terms include:Insured: You, the individual purchasing the insurance. This can be the owner or a non-owner user of the horse. Insurer: The company providing the insurance policy and related services. Premium: The fee paid by you, the insured, to the insurer to maintain coverage. Deductible: A pre-determined sum that is excluded from a...Understanding horse insurance responsibilities
Whether a horse is purchased for personal or business reasons, ownership represents a significant investment of time, money and resources. While no one likes to think about the potential for tragedy, horses seem to be prone to illness, accidents and injury. Should some peril befall your horse, nothing may ease the emotional burden, but wise planning can help reduce the economic impacts. Many reputable insurance companies offer policies to help...Income Protection Insurance
Income protection insurance protects the policyholder if his income is lost due to illness, accident, or unemployment. Not only can lost wages be protected under income protection insurance, but mortgage and other payments can be made to protect the policyholder’s credit rating if he finds himself without work. Income protection insurance is not designed to provide income to the...Medical and dental insurance
While it would be nice if we never got sick, and never needed medical or dental assistance, it’s a basic fact of life that these services will be needed at some time or another. It’s another unfortunate fact that these services are extremely expensive, sometimes devastatingly so. Therefore, as true as these facts are, it should also be true that it is a basic fact that no matter who you are or how healthy you are, you need to have health insurance. Not only is it require...
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