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Different types of Ohio Insurance

There are many different types of insurance that you should consider as an Ohio resident, including home insurance, car insurance, and health insurance. Free online quotes are available from their official website.

Home insurance:

Home insurance can be complicated.  You want to make sure that you sit down with any insurance plan and read it thoroughly, even if the process takes a little while.  

There are several different kinds of home insurance available at for residents in Ohio.  Each kind is proceeded by ‘HO’, followed by a number.  ‘Broad forms’, including HO-2 and HO4, list every kind of damage that the insurer will cover, and anything that is not listed is not covered.  ‘Special forms’ such as HO-3, are more commonly offered today, and list that which is NOT covered.  HO-5, or comprehensive coverage, includes all kinds of damage but for natural disasters such as floods, earthquakes, or war.  Market value insurance (HO-8) insures for the market value of the home in case of complete destruction.  Finally, there is HO-6, or condominium insurance.  This is a unique kind of insurance that only covers the part of the domicile that is considered part of the condo, including its contents and its four walls.

It is important to understand the reputation of a company before switching from a trusted company, simply because the price is lower.  You will want to look up the ratings of different companies on third-party sites and ask friends, relatives, and neighbors for advice.

Health insurance:

There are many different plans available for the customer to choose from under the Affordable Care Act (ACA).  Eleven different carriers such as are available in Ohio, although not all of them are available in every county.  

Each plan under the ACA has different degrees of coverage:

  • 90% coverage: Platinum plans
  • 80% coverage: Gold plans
  • 70% coverage: Silver plans
  • 60% coverage: Bronze plans

Bronze plans should only be used by young people, or those in excellent health.  They will have the lowest monthly payment, but even 60% coverage can be disastrous if you grow ill.  Platinum plans are the best and most comprehensive, but they cost the most per month.

Based on your income, however, you may qualify for cost sharing reduction, in which you pay the same rate as you would for a silver plan, but receive the benefits of a gold plan.  When you fill in the information on the website, you can choose this type of plan and you will get a response back that tells you whether or not you qualify.

Tax Sharing credits may be applied to any type of plan.  In this plan, some of your healthcare costs are taken out of what would be your tax return.  You can also use a Health Savings Account to help you save money for health care.

6 Ways to Get Cheaper New York Auto Insurance

If you live in New York you must have auto insurance in order to drive in that state. Every state has their own rules and regulations but every state requires their drivers to carry liability insurance whether it is through an insurance policy or by posting a bond. It is much cheaper to get auto insurance and provide ways that you can get your auto insurance even cheaper.

  1. Make sure that you find out what the minimum coverage is for your state and the exact liability limits you must have. As long as you have the minimum amount of insurance in the minimum amounts required by law, you are covered. Any additional insurance that you purchase is extra and not required unless you want to make sure you are covered above and beyond the amounts you have listed.
  2. Ask your insurance agent about every discount that they offer. Some of the ways you can save here are for the following discounts:
  • For insuring more than one vehicle
  • Having an alarm/security system installed in your car
  • Military personnel – retired and present
  • Students who have good grades
  • Anyone who has taken a driver’s education class
  • If you are at a certain age – once you reach 21 and if you are retired
  1. Bundle all of your insurance needs together at. You will spend less if you have your auto insurance, life insurance, and homeowners insurance policies with the same company than if you had to pay for each one separately.
  2. Raise your deductibles. If you would like to keep the amount of coverage you have but can’t really afford the premium, you could save some money by raising your deductibles. Even an increase from $500 to $1,000 will cut a few bucks off your policy.
  3. Make sure that you shop around. Not all car insurance companies are created equal so don’t be afraid to keep checking other places for coverage. Once you get your insurance make sure that you update your information every year. You could be driving less and if you didn’t have any claims, you might want to ask how you can get a good drivers discount.
  4. If you pay off your car you can drop your collision and comprehensive coverage. This is only required if you still have financing arrangements on the vehicle.

North Carolina Homeowners Insurance Safety Tips for Halloween

Halloween can be a lot of fun for the whole family, but going out on Halloween can be risky if you don’t make the proper preparations. Over 100 trick-or-treaters home visit the average on Halloween night, so you should do everything that you can to keep the children in the area safe. If anyone is injured on your property your North Carolina homeowners insurance premium can go up significantly. Here are a few of the best ways to have a safe and fun Halloween this year!

Tips For Trick-or-Treaters

If you’re taking your child trick-or-treating this year, make sure that their costume fits properly. Loose-fitting costumes can cause children to trip and injure themselves. Try to avoid costumes that include loops and torn pieces, because they’re easy for the child to trip over. Be sure to carefully inspect any costume that includes a mask. Masks can obscure your child’s vision and make it dangerous for them to walk around in the dark. Stay close to your child while they’re trick-or-treating. Make sure that they’re only walking on sidewalks and well-lit paths. If you follow all of these rules, you won’t need to file a North Carolina homeowners insurance claim due to a Halloween-related injury.

Tips for Staying Home

If you’re staying home and giving out candy this Halloween, there are a few things that you can do to ensure that everyone has a safe and fun night. When you’re ready to give out candy, turn on all of your exterior lights. This will make it a lot easier for trick-or-treaters to locate your front door and navigate your front yard. Before the sun goes down, make sure that you don’t have any debris, gardening equipment, or lawn ornaments in your front yard. The path to your door should be as obstacle-free as possible.

Additional Safety Precautions

If you have a garage, it’s a good idea to move cars, bikes, and any loose items inside. It’s much safer for everyone involved if you store everything that you’d normally keep outside. Your North Carolina homeowners insurance from will usually cover any broken or stolen items, but it’s better if you never have to contact your North Carolina homeowners insurance agent.
If you’re traveling anywhere on Halloween, make sure that you’re vigilant around populated areas. There will be a lot of pedestrians on and around the road until very late at night. Children might run out into the street at any time, so you should be sure to drive slowly and carefully. Driveways and alleys might be filled with children, so be sure to enter and exit with care.

How to save money on California health insurance before you even purchase a policy

Believe it or not, it’s actually possible to save quite a bit of money on California health insurance before you even purchase a policy.

If you are serious about really saving as much money as you can when it comes time to pay your California health insurance premiums each month, you’re going to want to focus in on the details that we you are going to share with you below. Obviously, you’ll still want to make sure that you are getting complete and comprehensive coverage from, but if you are concerned about saving as much has reasonably possible, these tips and tricks are going to help you out!

Have a physical performed at a cheap or free services clinic

One of the smartest things you can do is drop $50 or so at a local health clinic (even without health insurance) and have a physical performed to understand exactly where you are health wise.

Not only is this going to give you insider information about your body that you wouldn’t have had otherwise, but it’s also going to allow you to understand exactly how much coverage you’re going to need when you actually purchase your health insurance plan.

You might find out that you are far healthier than you believe yourself to be so that you can cut back on your California health insurance, or you may discover that you need California health insurance that is a little bit more comprehensive than expected.

At the end of the day, a quick physical can up saving untreated stash or even thousands – of dollars along the way.

Take advantage of any and all subsidies offered by the Affordable Care Act

The Affordable Care Act now gives millions and millions of people the opportunity to take advantage of health insurance that weren’t able to do so previously – but it has also opened up the possibility for individuals to get government assistance to pay for even more complete and comprehensive coverage than they would have had the opportunity to take advantage of before.

This is a big part of the Affordable Care Act, and definitely something that you are going to want to look into if you’re serious about saving money on California health insurance. Most people are going to be eligible for at least a handful of subsidies, so it’s definitely something that you want to look into more closely.

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