What Not To Say To Your Insurer
What Not To Say To Your Insurer

The next time you’re talking with your insurer about filing a claim, you may want to watch what you say. According to the latest tip of the month from United Policyholders, a nonprofit group focused on educating consumers about insurance, certain words set off alarm…
Your Car, Your Choice
Your Car, Your Choice

Your car mechanic is like your spouse – once you find a good one, you try to hold on to them for life. And no one should interfere with this relationship, including your insurance company. If your car is damaged in an accident and needs…
Hot button words to avoid when making an insurance claim
Hot button words to avoid when making an insurance claim

When talking to a claim representative or insurer, it’s wise to choose your words carefully. A claim can get off to a bad start if you report it using “hot button” words like “mold” or “flood.” Those words may sound harmless to you – but…
Recent graduates: You can go home again … (at least for health insurance!)
Recent graduates: You can go home again … (at least for health insurance!)

Whether your graduating baby bird is returning to the nest or taking flight, you want them to have health insurance. Most students lose their coverage when they turn 19 or graduate high school or college. The good news: Obama’s healthcare reforms extend coverage to all…
April Showers, Nature’s Power
April Showers, Nature’s Power

The threat of mudflow/landslides from heavy winter rains is subsiding in most areas of the country. But especially in hilly areas that have been deforested by wildfires or development, homeowners need to remember that: Burned vegetation and tree removal can cause soil erosion, land destabilization…
Anthem Blue Cross insureds in California just got a temporary reprieve from a BIG rate increase of up to 39%, but premiums across the country continue to climb.
Anthem Blue Cross insureds in California just got a temporary reprieve from a BIG rate increase of up to 39%, but premiums across the country continue to climb.

What can you do when your health premium jumps? Ask if your insurer offers any discounts for health club or fitness class enrollment. Find out if a “Consumer Driven Health Plan” such as a Flexible Spending Account (FSA), Health Savings (HSA) or Health Reimbursement account…
Speak UP: Talk so your insurer will hear you
Speak UP: Talk so your insurer will hear you

Here are just a few of UP’s many tips for communicating effectively with an insurance company: Create a paper trail. Be proactive: Document your losses and make specific reimbursement requests. Use good grammar, be polite, be persistent. Remember you’re in a business negotiation and not…
Need quick, useful gifts for the holidays?
Need quick, useful gifts for the holidays?

How about buying an emergency kit or safety supplies for the people on your gift list this year?  They’re non-fattening and really useful! Click on one of the images below to start shopping at UP partner Your Safety Place. Enter promotion code UP10 at checkout to get…
Buy Your Safety Supplies at 10% off and Support UP
Buy Your Safety Supplies at 10% off and Support UP

Essential supplies for making your home or workplace emergency-ready can be purchased at 10% off from United Policyholders’ newest preparedness partner, Your Safety Place. And, not only will you get the discount, but Your Safety Place will donate 10% of your purchase to support our…
The Great Shake Out: Drop, Cover and Hold-On!
The Great Shake Out: Drop, Cover and Hold-On!

To commemorate the 20th anniversary of the Loma Prieta Earthquake, United Policyholders is participating in The Great California Shake Out today at 10:15 AM! Find more information about this drill at shakeout.org and get ready to Drop, Cover and Hold On! The Great Misconception: Time…
No Time Like the Present
No Time Like the Present

The 2009 wildfire season in California has gotten off to an early raging start. If you live in an area at high risk for fire (or any natural disaster), we strongly urge you to create an inventory of your home’s contents as a precaution. The…
Have Insurance, Will Travel
Have Insurance, Will Travel

Traveling can be one of life’s greatest joys, but injuries or other unpleasant surprises can put a crimp in your plans. Travel insurance isn’t for everyone, but if you think you might need it, here are a few things to consider: There are many travel…
Storm-Damaged Homes: How To Avoid Shady Roofers
Storm-Damaged Homes: How To Avoid Shady Roofers

As we were discussing roofing scams around the office, it prompted some interesting conversation. After a hailstorm in 2006, a salesperson knocked on my door and offered to fix our damaged roof. I told him I was fine and didn’t need his help. Instantly, his…
Among Some, High Marks for Health Care Overhaul’s Beginnings
Among Some, High Marks for Health Care Overhaul’s Beginnings

WASHINGTON — President Obama gets high marks, even from some Republicans, for the way he has begun carrying out the new health care law in the 100 days since it was signed. And a new poll suggests a small increase in favorable views of the…
ASI Lloyds Is Not Renewing Some Insurance Policies In Louisiana
ASI Lloyds Is Not Renewing Some Insurance Policies In Louisiana

ASI Lloyds, a Florida insurer that started writing homeowners coverage in Louisiana last year with the help of a $5-million grant from taxpayers, has been opting not to renew policies to manage its hurricane exposure in the state. Last month, Louisiana homeowners got letters from…
Commercial General Liability Policy Covers ‘Blast’ Faxes: Florida Court
Commercial General Liability Policy Covers ‘Blast’ Faxes: Florida Court

Commercial general liability CGL) insurance policies generally cover liability for unsolicited “blast faxes” that violate federal law, a Florida court has ruled. The Supreme Court of Florida issued its ruling Jan. 28 in a case involving a 2003 CGL policy provision on advertising injuries and…
After Tornado, Victims Fear Insurers Will Spin Them
After Tornado, Victims Fear Insurers Will Spin Them

As the nation’s insurance adjusters descend on Mississippi and Alabama to assess the damage of last weekend’s deadly tornado, one question that worries its victims is whether insurers will try to avoid covering claims related to the disaster. The tornado, which has already resulted in…
Is Earthquake Insurance Worth It?
Is Earthquake Insurance Worth It?

Earthquakes are one of the natural disasters that are not typically covered under conventional homeowners insurance policies. And while many people think that Californians are the only ones who need to worry about earthquake insurance, the reality is that earthquake risk is far more widespread…