Does one need Dental Insurance? This is an often asked question when it comes to any kind of insurance. Well, insurance is a tool that offsets financial losses due to accidents or incidents or unforeseen circumstances. With this in mind, insurance is always recommended but if one is young and healthy and doesn’t need to visit a dentist more than twice a year, dental insurance will not be a requirement, since the yearly premium for such insurance may cost more than the actual cost of the two visits to the dentist office.
People with a less than perfect dental health are advised to purchase dental insurance or join a discounted dental plan for the simple reason that unexpected complicated dental work can be expensive. Millions of Americans have to undergo root canal and cavity procedures despite the fluoride in our drinking water. Dental health in the USA has not been of very high standard over the decades. Ones dental health depends upon a variety of factors including dental hygiene, stress, personal eating habits, nutrition etc.
The programs of dental coverage available are Indemnity Plans, Preferred Provider Plans, HMO Plans and Discount Plans
Dental Indemnity Insurance Plans
These are normal, traditional insurance coverage plans where you get a percentage of your dental bills covered by paying a monthly fee or premium. Normally an indemnity plan covers 100% of preventive services, 80% of restoration services and 50% of major treatment like orthodontics.
Dental Preferred Provider Plans
These plans cost an average of $40 per month and give you highly discounted rates of dental procedures within the specified network. A few benefits are available outside the network also. These plans are regulated by state insurance departments and fall in the insurance category.
HMO Dental Insurance
These dental insurance plans are also known as capitation plans. They operate like Health Maintenance Organizations (HMO). These are also regulated by state insurance department and cost any where from $20 to $40 per month.
Dental Discount Plans
Discount dental plans are not dental insurance. Discount dental plans are more like discount clubs where members get a discount from a network of participating dentists. These plans give the best value to individuals and families that don’t foresee extensive and expensive dental work.
How To Buy A Travel Insurance Policy
Is travel insurance really worth buying? Travel insurance. or holiday insurance, is something you definitely should have when traveling, especially if you travel overseas. You can plan every detail for a trip but you can’t plan for accidents. When things don’t go according to plan, travel insurance can literally be a lifesaver. It’s an expense that is well worth the peace of mind.
There are many types of travel insurance policies available. Travel insurance cover such things as trip cancellation, trip interruption, protection against the bankruptcy or default of your cruise line or tour operator, loss of luggage or personal possessions, and more importantly, medical and dental care, transportation to medical facilities, and accidental death or dismemberment.
In addition to providing the mentioned services, a good travel insurance policy should provide twenty-four hour emergency services and assistance, coverage in many countries around the world, and cover any legal expenses if needed.
However, you may not need to buy the best travel insurance policy. Before buying a comprehensive travel insurance policy, check with your current health care insurance company to find out if you are already covered for accidents and sickness when you travel overseas. If your current health insurance does not travel with you overseas, you need to buy the medical coverage with your travel insurance. Make sure the policy provides at minimum $500,000 dollars in coverage to take care of all but the most extreme situations.
Many homeowners’ and renters’ insurance policies provide coverage for theft of personal property away from your home. Just check to make sure that the limits on the policy is high enough to cover most of your personal effects you are taking with you on your trip. If an airline is responsible for your loss luggage, the airline will reimburse you for the loss.
If you travel with expensive jewelry, sporting gear or electronic equipment, consider buying a floater or schedule for these items with your existing renters’ or homeowners’ insurance policy. This is a relatively low-cost way to ensure that those items are covered in case of loss.
If you already have enough life insurance, you may not need to buy life insurance with your travel insurance. Avoid buying flight insurance sold in vending machines at airport terminals. Those policies are extremely overpriced. The least expensive way to insure your life is through a term life insurance policy, which you may already have.
Check to see what travel protection you may get by using your credit cards to charge for all or part of your trip. Most credit cards offer some level of free accidental death and dismemberment coverage, insurance for car rental loss and damage, and extra loss baggage protection.
Travel agents, tour operators and cruise lines often sell travel insurance. Just be sure that the insurance policy is provided by a third party and is not being offered by the companies themselves that may go out of business before or during your trip.
Many cruise and tour operators offer cancellation waivers for about $60 as coverage in case you have to cancel your trip. While the waivers provide some protection, they often have many restrictions and fine prints. Make sure you read and understand the conditions in the contract before you buy a cancellation waiver.
If you travel frequently, you may want to consider a multi trip travel insurance policy instead of a single trip insurance policy for each trip. If you travel with your entire family, you have the option of trip insurance for every member of your family at a reasonable price.
You never know what could go wrong while traveling. The best time to buy travel insurance is when you book your trip. To get the most bangs for your buck, buy coverage for at least 15 days before your departure. To get the best rates, check online insurance agents like InsureMyTrip.com and Totaltravelinsurance.com, which offer side-by-side comparisons of different travel insurance plans.
The Weber Portable Gas Grill Signals Good Times Ahead
It’s summer and it’s time for barbecue! The Weber Portable Gas Grill is exactly what you need to bring real barbecue flavor to your favorite meats, poultry, fish, and even vegetables. Foods grilled over a flame taste great and really add to your summer outdoor festivities.
If you love to grill, but want something that is compact and portable, the Weber Portable Gas Grill is perfect for the back yard, patio, or for taking to the beach or park. Forget about charcoal, go for gas and grill juicy burgers on a small, but powerful grill that cooks quickly and evenly. Your family get-togethers and afternoons spent at the park will be even more fun with the taste of delicious barbecued foods!
Weber is the name in grills, and even though the portable Q-100 gas grill is small, it’s mighty. Powered by propane, the 8,500 BTU burner, made from tubular stainless steel, does a great job of evenly heating a sizable cooking area of 189 square inches. It’s the ultimate in portable grills with lid-open dimensions of 16” by 27” by 23 and one half inches.
If you’re looking for something sturdy and durable, no worries! This grill is sturdy. The body and lid are made from strong cast aluminum, and the frame is glass-reinforced nylon.
Ignition is easy with a push of a button, and regulating heat is a snap with an adjustable burner valve. Your grilling experience will be perfect thanks to the porcelain-enameled cast iron grates, and drip ducts that channel meat drippings away, reducing flame-ups.
Use a 14.1 or 16.4-ounce propane tank to get the party started, and check out the recipe book that comes with the Weber Portable Gas Grill for some great barbecue ideas that your family and guests will rave about for days afterward. And don’t forget about the five-year limited warranty, which truly shows that Weber is confident that you’ll be using and loving your Q 100 gas grill for a very long time.
The days are getting longer. People are spending more and more time outdoors each day. Camping trips and days at the beach beckon. Don’t miss out on the fun and convenience of this small, portable, and very capable gas grill!
Pick up the Weber Portable Gas Grill today and make plans to invite your favorite friends over for a cookout this weekend. In fact, why not plan to make regular weekend cookouts at your home a summer tradition? Dust off the picnic table and dig out your best potato salad recipe.
Tasty burgers, steaks, chops, fish and grilled veggies are the order of the day when you get out your Weber Q 100 gas grill and get cooking! It’s summertime and time for grilling on your Weber Portable Gas Grill.
Statistics show that renters report a higher rates of property crime, theft, and burglary than people who own their home, and are at a greater risk of losing their personal belongings from vandalism, water damage, fire, smoke, electrical surge, ice, snow, and other perils. Despite the risks, many renters don’t have renters insurance. Recent surveys have shown that nationwide, nearly 60 percent of renters are without insurance.
Renter’s insurance, which is for anyone who rents an apartment, condo, house or other property, typically covers a loss from theft or fire. Most policies also include liability coverage in case you get sued or cause damage to someone else’s property.
The reason most tenants don’t carry renter’s insurance is because they are under the wrong impression that they are automatically covered by the landlord’s insurance. This may be true only if the landlord is shown to be responsible for the loss of your personal possessions. In most cases the landlord’s insurance will only cover damage to the structure of the property.
Even if the landlord is ultimately proved to be responsible for a loss and his insurance company reimburses you for your personal property, you may have to wait many months to be reimbursed. And if you are at fault for the loss along with any damage to the building, you will be personally responsibility for damages to the property and other tenants’ losses.
Likewise, if someone you invited over to your house trips over your cover table and breaks his leg, your landlord’s property insurance won’t protect you from medical bills or a lawsuit. Your landlord may be responsible for a person’s injuries if the accident happens in a common area such as the lobby or stairs. But once your guest crosses your front door, she is your responsibility.
Renter’s insurance protection can be purchased for as little as $150 a year. Think about the money you have spent furnishing the place where you live – a big screen TV, computers, stereo, DVD players, sofas, dinning table, bedroom set, etc. All that stuff adds up to a lot of money – money that you probably don’t have saved up in the bank. The couple of hundred dollars a year in premium for a renter’s insurance policy is well worth the peace of mind that the insurance will bring.
Here are some tips to help you select the best options for your renters insurance:
Know how much coverage you need: You want to buy and pay for enough renter’s insurance to replace everything in your rental in case everything is stolen, damaged or destroyed. The first thing you need is to take inventory of the personal property that you want to insured an get an idea of the value of these items.
You need to be able to account for each and every possession that you own in case you need suffer a loss and need to file a claim. You may want to take pictures or even videotape each room, closets, open drawers, and so on, and back them up with the receipts for all expensive items. This will help you justify your claim against your insurance company when you have a loss.
Keep the inventory of your property in a safe deposit box or any safe place away from the rental.
Shop for Rates: The best place to start shopping around is by contacting an insurance company you already do business with, such as your car insurance carrier, to get renter’s insurance quotes. You may get a discount if you use the same company that provides your auto or other insurance. Use web sites such as Esurance.com, InsWeb.com and Insure.com that will provide renters insurance quotes. There are many insurance companies that offer some form of renters insurance, so it definitely pays to shop around if you want the lowest rate possible.
Assume More Risk for a Lower Rate: Your premium will depend on a number of factors, including where you live, your deductible, and your insurance company. The higher your deductible, the lower your premium. Some financial experts recommend getting a $1,000 deductible. If you install protective devices such as fire detectors, burglar alarms and fire extinguishers, you will be able to reduce your premium.
Know what’s covered: There are many types of renter’s insurance; make sure you get the amount of protection you think you’ll need. Some policies will protect from fire, theft, and flood, while others will limit your payments to certain types of losses. Make sure you know what type of protection you are getting. Most policies cover common losses from fire or theft. Read carefully for what, if any, water damage is covered. Flood insurance and earthquake coverage require separate riders.
Many policies have a limit on jewelry, art and furs. If you have an engagement ring that is worth $5,000 and the policy has a coverage limit of $1,000, you will need to buy a rider for the engagement ring if you want to increase the coverage to $5,000. Does the policy cover for reasonable living expenses if you are unable to live in your home due to a covered loss?
Actual cash value vs. replacement cost: You can buy a policy that either pay actual cash value covers the value of something at the time it was damaged or stolen. Because of depreciation, that value could be very low if you’ve had the property awhile. Replacement cost covers the cost to replace something at today’s value.
Some more expensive policies will pay to replace your belongings, while others will give you the cash value of an item at the time it was destroyed. For example, replacement insurance will pay for a new television, while fair market insurance will give you the value of the television at the time it was destroyed. The former is less expensive.
Under this type of coverage, your belongings are valued after depreciation. In other words, the insurance company will take into consideration the age and condition of the stolen or damaged property. A replacement cost policy will pay you to replace your property with the same or comparable item at the current market price.
Liability insurance: Besides insurance for your personal property, make sure you have liability coverage, which protects you if someone is injured and sues you or if you cause property damage to others, for example, from a fire that started in your unit. If a visitor to your rental home gets hurt and the liability insurance will most likely pay a certain amount medical costs incurred by the injured person – regardless as to who is at fault.
If you have a dog, you may want to seriously consider adding coverage for injuries inflicted by your dog or other animals. This insurance coverage will pay on you behalf compensation for accidents caused by your dog.
If you already have a renter’s insurance policy for your personal property but don’t have liability coverage, any insurance providers will give you the option to add this on to the existing policy without much hassle. You just have to notify the insurance agent and pay the additional premium.
Renters insurance with a roommate: If you are sharing a rental home with a roommate and not a spouse, your roommate should have his or her own renter’s insurance policy. You want to have your own insurance policy to protect yourself in case your roommate moves out abruptly or cancel the policy without telling you.
Accidents do happen due to no fault on your part. Don’t leave your financial future in someone else’s hands. Protect your financial future and buy a renter’s insurance policy.
Your home is probably the single most expensive investment your will ever make during your lifetime. If you own your home outright, you simply must get home owner insurance. Imagine if your house is worth $500,000 or $100,000 and it burns to the ground. If you don’t have insurance for the house, you are out in the street with no place to live and you are out the value of the house. If you have a mortgage on your home, the mortgage company will require that you have homeowner’s insurance to protect their investment of lending you the money for the house.
If you own your home, you simply must get homeowner insurance to protect your investment when an unforeseen event happens. A typical homeowner insurance policy will cover you against most cause of damages, both man-made and natural, to your house. In order to properly protect your home, the right limits, and type, of insurance coverage is very important. Otherwise, you may find yourself with too little insurance or coverage or no insurance at all for due to a loss that does not apply. Take the time to read and fully understand what an insurance policy covers and what it does not cover.
Here are a few tips that can help you pick a homeowner’s insurance policy that makes financial sense:
Know what the policy covers. Typically, a homeowner policy insures the dwelling, other structures on the lot, and the contents in those structures, such as furniture, jewelry, computers hardware and software, dinnerware, clothing, and other personal property.
The policy will usually cover damages due to fire and smoke, theft, certain damages due to water, vandalism, and personal liability claims as a result of injury and medical payments to visitors who are injured on the property.
Most basic policies will probably not cover damages due to earthquakes, floods, mold, and normal wear and tear. Most home insurance companies offer earthquake and flood coverage along with other protections, but as a separate coverage for additional premiums.
If you are unsure of the coverage, ask the insurance agent to explain the particular coverage that you are not sure of and ask for example of events that may not be covered under the policy and don’t sign the contract until you fully understand it.
Compare insurance companies. Shop around for the best policy for the premium that you will be paying. Get homeowner insurance quotes from at least three insurance companies. But don’t buy a policy based on price alone. Make sure that the insurance company has a track record of good customer service, such as timely resolution of claims, in the event you need to make a claim.
Determine how much insurance to buy.
Coverage for property – Use cost replacement estimates as your guide to the amount of insurance you need for your home. A replacement cost coverage takes into account the estimated construction cost to rebuild the house. The amount of coverage factors in possible inflation or the increase in the cost of building material and labor. The insurance agent will be able to do the calculation for you. Don’t include the value of the land that the house sits on in deciding how much coverage to buy.
Coverage for liability – It is common to see $100,000/$300,000 as a standard coverage for liability, but the additional premium to increase the limits to $250,000/$500,000 is about $2.00 more a month. Depending on your other asset you own and your financial worth, you may want buy an excess liability or “umbrella” policy with a limit of up to a million dollars. The premium is only a few hundreds dollars per year and is well worth the peace of mind. The excess policy usually also provide protection above your auto liability insurance policy limits.
Buy additional coverage with riders. Also think about buying a rider to tack on to your insurance, such as paying for your living expenses in a hotel while you wait for your home to be repaired or rebuild should the worst happen. You may also want to buy riders for expensive jewelry, antiques and collectibles with values exceeding the standard policy limits.
Deductibles. If you want to save some money on your home insurance policy, you may want to think about setting a higher deductible. Typically, home insurance companies will start giving discounts at a $500 deductible and increase the discount as your deductible increases. However, many mortgage lenders will not allow you to take on too much risk by exceeding a certain deductible, such as $1,000; so discuss the issue with your home mortgage holder before buying a policy with a higher deductible.
Secure your home – A less risky way to save some money on your homeowner insurance policy is to install an alarm system that is monitored by a central station. Security companies such as Brinks and ADT offer this kind of services for a monthly fee. The saving on your premium could be as much as 10%.
Some companies offer a modest discount for installing smoke detectors, burglar alarms and dead-bolt locks.
Multi-policy discount – The most common discount offer by home insurance companies the multi-policy discount. You will get a discount on your premiums on your home, auto and umbrella policies with the same company. Some companies will reduce your premium by as much as 15% if you have at least two policies from them. However, the discounts differ from company to company, so it’s best to shop around to see if the savings are big enough for you to buy all your policies from one company.
Senior discount – Companies will have some type of discount if you are over the age of 50 or 55. Different companies have different names for age preference policies, from senior discount to mature policyholder discount.
Association discount – You may be able to get additional group insurance discounts for being a member of a business group or professional association. Your insurance company may even offer a discount to certain large employer.
Loyalty discount – Many companies offer discounts for longer-term customers. But do comparison shop once in awhile and get some homeowner insurance quotes to make sure you are not over paying for your house insurance.
Know your rights and obligations. Read and understand the rights and obligations of the insurer under the terms of the policy and your rights and obligations under the terms of the policy. When you get a copy of your home owner’s policy, read over everything to make sure that the coverage, premiums, limits, and all other information is correct before you file the policy away in a safe place. Keep a copy of all signed documents relating to your policy for your records. Put them in a safe place away from your home such as a bank safe deposit box. Keep an updated and accurate inventory of your personal possessions in your home – keep receipts and a list of your possessions with descriptions, dates of purchase and purchase prices; take pictures, or better yet, videos tape each room and closet in your home. Keep your inventory records in a safe place away from your home, and update your inventory and records on a regularly.
Review Your Policies. Review your homeowner policy at least every three years and take into consideration any changes in your needs, any changes to the value of your possessions and market value of your home. Notify your insurance agent about any changes that may impact the insurance policy’s coverage. Drop coverages you don’t need and add to coverages that you may need.
When was the last time you review your car insurance policy. Chances are that you are paying more then you need to for your car insurance. You should review your car insurance policy every year or so to adjust the coverage as your car ages and your financial and personal situation change.
Here are a few tips when looking at your car insurance policy to see if you can reduce your car insurance cost while getting the protection you need.
Request Higher Deductibles: The easiest way to reduce your car insurance cost is to assume more risk by getting a higher deductible for your collision and comprehensive coverage. By increasing your deductible from $500 to $1000, you may be able to lower your premium by as much as 30 percent.
Drop Some Coverages: If you have an older car with high mileage, and a book value of less than 10 times the amount you are pay for coverage, you may want to consider dropping collision and comprehensive coverage altogether. Collision and comprehensive can account for 40% or more of the premium of your car insurance policy, and covers only up to the car’s book value. The coverage is not worth buying if any claim you make exceeds the cost of the insurance and the deductible amount. You can check your car’s book value with Kelley Blue Book or Edmunds.com. Be sure to take into consideration the car’s mileage and any preexisting condition.
Drive a Low-Profile Car: If your car is on the list of top ten most stolen cars, chances are that the car will be more expensive to insure. Other factors that insurance companies use to determine the cost of a car policy are the car’s reliability, cost to repair, and safety record. Your can check with Insurance Institute for Highway Safety’s web site for a rundown of your car’s risk ranking.
Professional Organizations and Groups: You may be able to get discounts because you are a member of a group or organization, such as AAA, AARP, military groups, professional organizations, or even large companies. Ask your insurance agent about membership discounts, because the insurance companies won’t always tell you about it.
Low Mileage Discounts: Many car insurance companies offer “low-mileage discounts” to policyholders who carpool to work or drive less that the average number of miles each year. Currently the average used by most companies is 12,000 miles. You should ask your insurance agent to find out if you qualify.
Go for Safety Features: Certain safety features on your car will also lower the cost of insuring your car. These features varies from state to state. In some states, such as New Jersey, New York and Florida, laws require the car insurance companies to give drivers a discount for having certain safety features on their car, such as anti-lock brakes, airbags and automatic seat belts. Certain approved alarm system or anti-theft device can also get you additional savings on the premium for your car insurance policy.
Discounts for Teen Drivers: If you have teenagers and they drive, it will be cheaper by adding them to your car insurance policy instead of buying separate policies. If your teens go away to college that is more than 100 miles from home and don’t bring a car along, you can get additional discount off your policy. If your teens maintain GPAs of 3.0 or higher and pass an approved drivers’ education course, you may qualify for additional discounts of as much as 25% off the cost of the policy.
Defensive-Driving Classes: If you pass a defensive driving class, you can qualify for a 10% discount on the cost of the policy. In some states, you can take the course on line.
Combination Discounts: You can expect a 10% to 20% discount off the cost of your policy if you insure both your home and your car with the same company, or by insuring more than one car with the same company.
Loyalty Discounts: Just about all car insurance companies will reward you for staying with them for more than one year, and you could earn a discount of 10% or more off the premium for your car insurance policy.