The options for purchasing Insurance are plentiful with choices ranging from choosing the Insurance Company, searching for an agent, deciding on the deductible, amount of coverage, beneficiaries and dependent coverage. Once you have a child the offers start pouring in on insuring your new arrival. Does the child need a policy or can he or she be added to an existing policy?

For couples planning on marrying they need to decide which Employer offers the best coverage. When you merge your belongings into one household as cohabitants the need for a renter’s policy, if one is not already in place, becomes an issue. When settling into your new residence immediately start photographing the big-ticket items, and create a notebook recording the model and serial numbers. I prefer Analysis Pads that have columns for easy record keeping. You can also keep this data on the owner’s manual with all manuals in one location for easy access.

Several months ago my home was burglarized. I received from the Police a Victim’s Supplemental Property Loss Report. The categories on this report include quantity, article, serial number, brand, model number, miscellaneous description – color, size, etc. and fair dollar value. I have been renting for seven years a house that is a duplex and was not insured. I now have Renter’s and Earthquake Insurance.

I learned while serving on a jury this summer that a robbery occurs with force while a burglary is the unlawful entry of premises. It was alarming to learn the number of members on the jury panel that answered yes to being a victim of a crime. Not one of these crimes ended with the capture of the culprit. This is another reason why insuring one’s property is a must in this day and age.

When a family member turns 15 or 16 in most states they are eager to obtain a driver’s license or student permit. A few months before this event takes place the family needs to look over their automobile policy and make changes to the coverage to cover the additional driver in their household.

On some policies when a child turns the legal age of eighteen they may no longer qualify to be on their parent’s insurance policy. If the graduate is going onto college the health and auto policies need to be consulted to determine coverage options.

With many Insurance companies you have the option of paying the entire premium in one payment, or make monthly payments. You can have the payments deducted from your checking account or pay at your agent’s office, mail in a check to the company or use their automated telephone system and perhaps even pay online.

There are choices galore in determining your Insurance options. Bellaonline’s Insurance Site will help guide you in the right direction to take care of all your Insurance needs. Topics covered will include:

Filing a Claim
HMO vs PPO
Whole Life or Term Life
Comparing Insurance Companies
Insurance services through your Bank
Underwriting issues to consider
Hospice Care
Hospitalization choices
Funeral Planning
Choosing a Provider
Coverage Limitations
Children’s Insurance
Upgrading a Policy
Beneficiaries
Organ/Tissue Donation


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