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Top 5 Insurance Industry Secrets

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Insurance is many things, but straightforward isn't exactly one of them. Learning what matters most to insurers can help policyholders pinpoint ways to lower their premiums or get more claims covered. To get the most out of your policy, here are five insurance industry secrets worth knowing:
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Beware of Renting Your Vacation Home

Homeowners who are lucky enough to have a vacation place are probably thinking a lot these days about making some extra cash from their investment. But that potential for profit doesn't come without great risk and responsibility. Here are some things to consider before you take the leap.
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WalletPop Blog

Beware of These Fall Rip-Offs

Thinking about cleaning your chimney or coating your driveway or waterproofing your basement? You'll save a bundle if you read these tips from our new home improvement expert, Tom Kraeutler, who is the host of The Money Pit, a nationally syndicated home improvement radio program.

Building Houses, Building Communities

    NEWARK, OH - NOVEMBER 3: A volunteer operates a seeding machine outside a nearly-finished Habitat for Humanity home and garage November 3, 2008 in Newark, Ohio. Licking County, in eastern Ohio, like many Ohio counties, is dealing with a steady eroding of old-style manufacturing jobs, and some parts of the city became blighted as jobs left. Habitat for Humanity and other organizations are attempting to revitalize old houses to bring back neighborhoods, one house at a time. (Photo by Chris Hondros/Getty Images)

    Getty Images

    California Governor Arnold Schwarzenegger receives the Family Visionary Award at the Building a Greater Los Angeles Gala to Benefit Habitat for Humanity of Greater Los Angeles at the Beverly Hilton Hotel on October 1, 2008 in Los Angeles, California.

    Amy Graves/WireImage.com

    California Governor Arnold Schwarzenegger and Maria Shriver receive the Family Visionary Award at the Building a Greater Los Angeles Gala to Benefit Habitat for Humanity of Greater Los Angeles at the Beverly Hilton Hotel on October 1, 2008 in Los Angeles, California.

    Amy Graves/WireImage.com

    California Governor Arnold Schwarzenegger and Maria Shriver receive the Family Visionary Award at the Building a Greater Los Angeles Gala to Benefit Habitat for Humanity of Greater Los Angeles at the Beverly Hilton Hotel on October 1, 2008 in Los Angeles, California.

    Amy Graves/WireImage.com

    California Governor Arnold Schwarzenegger and Maria Shriver receive the Family Visionary Award at the Building a Greater Los Angeles Gala to Benefit Habitat for Humanity of Greater Los Angeles at the Beverly Hilton Hotel on October 1, 2008 in Los Angeles, California.

    Amy Graves/WireImage.com

    California Governor Arnold Schwarzenegger and Maria Shriver receive the Family Visionary Award at the Building a Greater Los Angeles Gala to Benefit Habitat for Humanity of Greater Los Angeles at the Beverly Hilton Hotel on October 1, 2008 in Los Angeles, California.

    Amy Graves/WireImage.com

    Governor Arnold Schwarzenegger arrives at "Building A Greater Los Angeles" Gala to benefit Habitat for Humanity at the Beverly Hilton Hotel on September 30, 2008 in Beverly Hills, California.

    John Shearer/WireImage.com

    Governor Arnold Schwarzenegger arrives at "Building A Greater Los Angeles" Gala to benefit Habitat for Humanity at the Beverly Hilton Hotel on September 30, 2008 in Beverly Hills, California.

    John Shearer/WireImage.com

    Governor Arnold Schwarzenegger arrives at "Building A Greater Los Angeles" Gala to benefit Habitat for Humanity at the Beverly Hilton Hotel on September 30, 2008 in Beverly Hills, California.

    John Shearer/WireImage.com

    Governor Arnold Schwarzenegger arrives at "Building A Greater Los Angeles" Gala to benefit Habitat for Humanity at the Beverly Hilton Hotel on September 30, 2008 in Beverly Hills, California.

    John Shearer/WireImage.com

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Most Expensive Home Insurance

If you live in one of these five states, unfortunately you're probably paying the highest insurance premiums in the country. See if your state is on the list and find out which disasters menace these areas.
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The Safest Cities to Call Home

Coral Springs, FL
AP
If you're looking for a relatively crime-free place to live, cities in the northeast dominate the top of the list of America's safest. This year's new number one, however, can be found in southern California. See this year's full list of the 24 U.S. places where security is abundant.
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Denied Claims

Is your insurance company playing hardball? Has your legitimate claim been denied? Insurance companies are paying out less in claims in relation to premiums collected than any time in the last 20 years. Find out what you can do if your justified claim is rejected.
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Small Towns Opt for Terrorism Insurance

Small rural and suburban communities - some with few structures taller than a good-sized maple tree - might be unlikely targets for terrorists, but many of them are protecting their police stations and water towers with terrorism insurance.
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Ask Me About Insurance

overwhelmed by insuranceJonathan Berr

Do you have a question about insurance? Ask our insurance expert Jonathan Berr.

    Tom Barlow
    Tom Barlow Filed Under:

    Safest, riskiest places in U.S., geographically speaking

    A large earthquake, hurricane or forest fire draws tremendous press coverage. Because of this, we tend to think the San Andreas Fault area in California or Hurricane Tornado Alley in the Texas...

    Tracy Coenen
    Tracy Coenen Filed Under:

    Responsible consumers being taken for a ride again

    Today the Wall Street Journal reports that an increasing number of consumers are no longer paying for automobile insurance because of the economy. What does that mean for responsible consumers like me...

    Tracy Coenen
    Tracy Coenen Filed Under: ,

    A problem that might make the newly unemployed a little sick

    If your company is closing and you've got medical bills not yet paid by your health insurance, you have reason to worry. The Wall Street Journal is reporting on what happened to the employees of...

    Sarah Gilbert
    Sarah Gilbert Filed Under: ,

    Health insurance concept that's worth thanking God for

    I've been struggling with the decision of whether or not to buy private health insurance now that I'm a freelancer and not an employee with cushy benefits. I have 30-some more days to make the...

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