The 10 Biggest Insurance Mistakes Americans Make
The 10 Biggest Insurance Mistakes Americans Make

Insurance is the last thing most people want to think about. Your eyes are probably already glazed over just from reading this title. Who in their right mind wants to mull over their finances, sift through unfamiliar jargon, and face piles of insurance-related paperwork? This…
10 signs that your insurance coverage is a turkey
10 signs that your insurance coverage is a turkey

Every Thanksgiving, Americans carve up and savor millions of pounds of turkey. When it comes to insurance, however, a turkey – coverage that doesn’t fit your needs – may leave a bad taste in your mouth. Here are 10 indicators that your current coverage can’t…
Roadmap to Preparedness – On the Road
Roadmap to Preparedness – On the Road

Our Roadmap to Preparedness program has expanded beyond the Bay Area and into Southern, California and most recently, the mountains outside Boulder, Colorado at the request of the United Way. UP staff members are increasingly in demand as featured speakers at events aimed at helping…
Storage woes: Do you need insurance for stuff in storage?
Storage woes: Do you need insurance for stuff in storage?

Whether you need a place to safeguard valuable artwork, stash your stuff while living with Mom and Dad or store unneeded items when you move into a smaller home, obtaining the proper amount of insurance for belongings in storage is a necessity. If an item…
The 102 best money websites
The 102 best money websites

Need information or help with a money matter? Chances are good you’ll find what you need at one of these sites, which rank among the best on the Web. This is an incredibly personal list. There are many other worthy sites out there, sites that,…
A Terrific Texas Tool
A Terrific Texas Tool

The quality of your insurance policy really does matter, but figuring out which company sells better protection is tricky. Ads are often misleading, and most insurance companies don’t show you a copy of their policy until after you’ve bought it. Then…good luck reading the fine…
How much would it cost to replace your home? We test two online estimator services
How much would it cost to replace your home? We test two online estimator services

When considering how much home insurance to buy, the main issue isn’t how much your house is worth on the real estate market. More important is how much it will cost to rebuild the dwelling if it is destroyed. Your home’s reconstruction cost may be…
Too young for life insurance? The debate over policies for children
Too young for life insurance? The debate over policies for children

Deciding whether to buy a life insurance policy for a child can be difficult, and there is strong disagreement over the benefits of such policies. Advocates assure you that life insurance policies for children are great financial tools as part of larger portfolios of savings…
What Type of Life Insurance Do I Need?
What Type of Life Insurance Do I Need?

About 11 million U.S. households with children under age 18 had no life insurance coverage as of 2010, according to LIMRA, a worldwide research and consulting organization for the insurance and financial services industry. Overall, less than half of U.S. households had individual life insurance,…
Life… consider the alternative
Life… consider the alternative

If you’re thinking about buying or updating a life insurance policy, or supplementing one your employer provides, your first task should be to find a reputable, experienced broker. Even the most traditional life insurance policies can have a “catch” – be it premiums that skyrocket…
New rules help CA homeowners with insurance
New rules help CA homeowners with insurance

SACRAMENTO, Calif. KGO) — If a disaster strikes, is your home fully insured? New rules are now in effect to make sure you’re covered. 7 On Your Side’s Michael Finney explains. You pay for insurance for years, hoping to never need it. Then, there’s a…
Is your independent insurance agent truly an independent agent?
Is your independent insurance agent truly an independent agent?

It’s no secret that independent insurance agents — who sell auto, home and other types of coverage from more than one insurer — earn their keep through a commission each time a customer signs up for a policy. After all, they need to be compensated…
How to Do a “Needs Analysis” Before you Buy Life Insurance
How to Do a “Needs Analysis” Before you Buy Life Insurance

When buying life insurance, don’t choose a policy before you understand the financial needs of your beneficiaries. Damon Bates, a vice president at Massachusetts Mutual Life Insurance Co., says most people’s thinking is backwards when it comes to life insurance. They decide on the product…
A Home-Insurance Trap?
A Home-Insurance Trap?

Home-insurance policies are pretty much the same, and carriers compete on the basis of price and service—right? Believe those two myths and you might wind up paying dearly. Homeowner policies have important differences that can affect whether claims are paid, according to a study scheduled…
Understanding endorsements and riders for home insurance policies
Understanding endorsements and riders for home insurance policies

In the insurance world, endorsements have nothing to do with celebrities promoting products, and riders have nothing to do with cowboys. “Endorsement” and “rider” are two interchangeable — and often misunderstood — terms referring to additions to a home insurance policy that alter the policy’s…
Saving on your insurance
Saving on your insurance

Everyone can use some extra money in their pocket during the holiday season. UP always encourages consumers to raise their deductible. Here are a few more tips for saving on your insurance from two members of our Agent/Broker Advisory Board: “Make sure you are taking…
Workshops help Boulder County homeowners find out if they’re underinsured
Workshops help Boulder County homeowners find out if they’re underinsured

Once the last embers of the Fourmile Fire were extinguished, the owners of the 169 burned homes were left with another challenge — wrangling with their insurance companies. The results of their efforts may serve as a cautionary tale to other homeowners in Boulder County…
The Great Shake Out: Drop, Cover and Hold On!
The Great Shake Out: Drop, Cover and Hold On!

United Policyholders will be participating in The Great California ShakeOut, and we hope you will too. What we do now, before a big earthquake, will determine what our lives will be like afterward. The ShakeOut is a statewide earthquake drill that will occur in houses,…