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EINSURANCE.(com): EInsurance Journal Home Insurance Articles

7 Things Your Home Insurance Policy Probably Doesn't Cover

If you’re like many of us, you haven’t actually read your homeowners insurance policy. Do you know what your policy does and doesn’t cover? Should you ever need it, you might be surprised. Because, the truth is, many fairly commo...

5 Things to Know Before Buying Home Insurance

All lenders require you to purchase a homeowners insurance policy when you buy a home. That part’s simple enough to understand. But when you dig a little deeper into what home insurance is all about, it gets more complicated. Here are some t...

Tips for Preventing Theft During the Holidays

Going to be away from home during the holidays? Whether you’re going to a party, shopping or vacation, leaving your home for any length of time gives thieves an opportunity to break in. Take steps to keep your home and everything in it safe...

9 Ways You Can Save Money on Homeowners Insurance

Homeowners insurance is one of those things you know you need, but you don’t know if you can afford great coverage. The good news is there are ways you can save without sacrificing the effectiveness of your policy. Here are some basic ways t...

Renters Insurance vs. Landlord Insurance: What They Do & Don’t Cover

There’s some confusion about the differences between renters insurance and landlord insurance, but the concept is straightforward: If you own the rental property, get landlord insurance, but if you renting the property from someone else, you...

Does Your Home Insurance Cover Animal Damage?

So, does homeowners insurance cover animal damage to your home? The answer is: It’s complicated. There are a seemingly endless list of “ifs” and “buts” at first look, but overall there are guiding factors. Check y...

How Homeowners Insurance Covers Firearms

Firearms and homeowners insurance have a complicated relationship. The issues related to the topic range from policy limits to criminal or non-criminal acts to individual state regulations. Firearms and Insurance Rates Many insurance compa...

POSTED JULY 20, 2017
Insuring Your Home in an HOA Community

Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s impo...

POSTED JUNE 21, 2017
Does Your Airbnb Home Have Enough Insurance Coverage?

Home sharing service Airbnb now offers free Host Protection Insurance (HPI).  Although HPI covers up to $1M per incident, don’t expect it to be enough protection. The liability policy, like those offered by other vacation rental sites,...

POSTED MAY 17, 2017
Can You Deduct Your Homeowners Insurance Costs On Your Taxes? Sometimes.

The answer to whether or not homeowners insurance is tax deductible is kind of a mixed bag of good news/bad news. Generally, your premium costs are not deductible (bad news), but there are exceptions (good news). Since home ownership comes with so...


EINSURANCE.(com): EInsurance Journal Business Insurance Articles

How to Handle Sexual Harassment in Your Small Business

With sexual harassment in the spotlight, the hope is that employees and the companies they work for will be more sensitive to the problem and behave accordingly. The recent attention given to the subject makes it more clear than ever that serious...

How to Hire the Right People for Your Small Business

When you’re trying to attract good employees for your small business, you may feel as if big employers have the advantage. After all, they usually pay more, offer the best benefits and demonstrate staying power more easily. But that doesn&rs...

8 Ways to Be a Better Boss

Hiring employees, managing the business, paying the bills, monitoring customer service, motivating the staff… The to-do list seems to go on forever. Running a business is not for the faint of heart, but there are some steps you can take to...

Insurance Options for Your At-Home Business

If you work out of your home, there’s a good chance you need specific business insurance coverage. Even if you have homeowners or renters insurance, your policy may not do enough to meet your needs. Depending on the kind of business you have...

How to Create a Wellness Program for Your Small Business

Workplace wellness programs have been helpful for larger companies in efforts to boost morale and enhance productivity, but what about small businesses? Even if you don’t have the budget for expensive solutions like an at-work gym, there are...

How to Reduce Your Costs for Workers Compensation

Chances are good your business is located in a state where Workers Compensation insurance is required. No matter how small your business is, and whether or not Workers Comp is required, coverage is good for you, your employees and your business....

A Guide to Finding the Right Accounting Software for Your Small Business

Accounting software has simplified the accounting process for business and personal finances. Today, many software options are available, helping users avoid the one-size-fits-all dilemma. With a little bit of research you can find the accounting...

How to Keep Your Millennial Employees Happy at Work

A lot of generalizations have been made about millennials, considered anyone reaching young adulthood in the early 21st century. A lot of what is said about them isn’t particularly flattering: they’re privileged, entitled, spoiled and,...

POSTED JULY 20, 2017
Small Business? You’re at Risk for Employee Fraud

If you think your company is too small to worry about employee fraud, consider this: A small business with fewer than 100 employees had 28% higher losses from fraud than larger companies, according to a report by the Association of Certified Fraud...

POSTED JUNE 21, 2017
Should Your Business Allow Employees to Bring Pets to Work?

Many companies are finding out that letting employees bring pets to work can actually improve business. In fact, the Society of Human Resource Management found that seven percent of employers let employees bring their pets to work. It’s beco...

POSTED MAY 17, 2017

EINSURANCE.(com): EInsurance Journal Auto Insurance Articles

Do You Need Non-Owner Car Insurance?

Don’t own a car? You might still need to own an auto insurance policy. Called non-owner auto insurance, this kind of coverage can be a good idea and, in some states and circumstances, even required. Non-owner car insurance is a unique po...

How Much Will Your Auto Insurance Rates Go Up After an Accident?

It’s common knowledge that if you’re in an auto accident and file a claim your insurance rates are likely to go up. Many people decide not to report minor damage in fear of seeing their rates skyrocket. According to one report, if...

8 Things You Should Do After a Car Accident

When you’re in a car accident, whether it’s minor fender-bender or a major collision, it’s very unsettling. You may be disoriented, not sure what to do next. The best way to be prepared for such a moment is to learn the steps tha...

Do Your Homework Before You Apply for Auto Loan

When you decide it’s time to buy that new car you’ve been wanting, unless you are in a position to pay cash you’ll need to get a loan. For a lot of people, that step in the process is last, but do yourself a favor and think about...

When to File an Auto Insurance Claim and When It’s Smart Not To

Should you, or shouldn’t you? It’s common knowledge that whenever you file an auto insurance claim your premiums might go up. So should you or shouldn’t you file a claim? Whether you should or shouldn’t file depends. Wh...

7 Costly Mistakes to Avoid When Renting a Car

When you rent a car, you have to make a lot of decisions. Should you purchase insurance for the rental? Which mileage plan does the company provide? Should you prepay for fuel? Making the wrong choices can be costly. Here are some mistakes to...

Can Your Auto Insurance Deductible Be Waived?

When you purchase car insurance your policy includes a deductible. You must pay the specified deductible amount before your insurance company pays for the remaining repair costs. In certain situations, the deductible can be waived. Here are so...

How Artificial Intelligence is Changing the Auto Insurance Industry

As with so many other sectors, artificial intelligence (AI) is tangibly changing the auto insurance industry. The goal is to improve customer service and safety, but also to save insurance providers and policy-holders money. One prediction is...

What Happens if a Stolen Car is Recovered After You’ve Received an Auto Insurance Payout?

According to the Insurance Information Institute, 236.9 vehicles per 100,000 people were stolen in 2016. Depending on the kind of car you have and where you park it, you might just fall prey to car thieves yourself. If your car is stolen, ther...

Mandatory Driver Safety Discounts for Mature Drivers

If you are 55 or older, chances are good you can get a discount on your auto insurance, and learn a thing or two in the process. Even if you have not been told you must take a senior driving course to keep or reinstate your driver’s license,...


News – Insurance Journal

Trump Administration, McDonald’s Rush to Avoid Employer Liability Trial
The National Labor Relations Board is ignoring its own guidelines and rushing to settle a major workplace action involving McDonald’s Corp., lawyers for employees involved in the litigation alleged. If the workers win at trial, the case could have a …

POSTED MARCH 18, 2018 10:00 PM
Rideshare Drivers Flocking to On-Demand Economy, Poll Shows
First there was the sharing economy, and then the gig economy. Now the buzz phrase to pay attention to may be “on-demand.” The on-demand economy, according to, is defined as the economic activity created by digital marketplaces that fulfill …

POSTED MARCH 16, 2018 9:43 PM
Rescue Efforts Continue After Florida University Pedestrian Bridge Collapse
A new pedestrian bridge collapsed onto a highway at a Miami-area college Thursday, crushing at least five vehicles under massive slabs. Several people were seen being loaded into ambulances and authorities launched search and rescue missions. Miami-Dade Fire Rescue tweeted …

POSTED MARCH 16, 2018 7:40 PM
Chubb’s Darling Honored for Industry Leadership, Cystic Fibrosis Work
Compassion and helping others were the key takeaways from a message that Jim Darling delivered to a group of several hundred insurance professionals gathered to honor him in Los Angeles, Calif. on Thursday night. Darling, regional executive officer for Chubb’s …

POSTED MARCH 16, 2018 7:17 PM
3rd Wrongful Death Suit Filed Over Oklahoma Gas Rig Explosion
A third wrongful death lawsuit has been filed over a natural gas rig explosion in Oklahoma that killed five workers. Julie Smith of McAlester, widow of Matthew Smith, filed the lawsuit Wednesday. The widows of Roger Cunningham and Parker Waldridge, …

POSTED MARCH 16, 2018 4:30 PM
Wildfires Bring Disaster Declaration in Kansas, Burn Ban in Nebraska
Gov. Jeff Colyer issued a disaster declaration for three wildfires currently burning in central Kansas. State officials announced that Rice County officials have asked for help from the Kansas National Guard to fight the fires. Colyer says the Guard will …

POSTED MARCH 16, 2018 4:21 PM
Fire Damages, Destroys 5 Texas School Buses, Foul Play Not Suspected
Investigators are trying to determine what sparked a fire that damaged or destroyed five Texas school buses parked in a transportation lot during spring break. A statement from the Coldspring-Oakhurst Independent School District says authorities do not suspect foul play …

POSTED MARCH 16, 2018 4:18 PM
Survivor of South Dakota Building Collapse Sues Developer, Construction Company
A woman who survived beneath the rubble of a collapsed building in Sioux Falls is suing its developer and construction company. Emily Fodness was sleeping in an apartment above the Copper Lounge in December 2016 when Hultgren Construction removed a …

POSTED MARCH 16, 2018 4:17 PM
Proposal to Arm Alabama Teachers Draws Support, Fire
A proposal to let trained teachers carry firearms in public schools drew support and criticism during a legislative public hearing Wednesday as a committee grappled with the first action on a gun-related bill introduced in the wake of the fatal …

POSTED MARCH 16, 2018 4:03 PM
Harper Lee Estate Sues Over ‘Mockingbird’ Broadway Version
The estate of “To Kill a Mockingbird” author Harper Lee has filed suit over an upcoming Broadway adaptation of the novel, arguing that screenwriter Aaron Sorkin’s script wrongly alters Atticus Finch and other characters from the book. The suit, which …

POSTED MARCH 16, 2018 3:57 PM

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