Quiana Darden-King

RT @JKatzaman: A9a Want to make sure you’re properly insured? Start here👇 ✅ List what you can’t afford to lose (health, car, income, stuf…

A9: Know you can change your policy, terms, or company as needs change. Think about short & long-term risks like living in a flood zone, paying tuition when you die, & having a pet known for developing expensive joint issues. Compare risks to coverage & fill gaps. #creditchat https://t.co/HQ2SKRL699

A8: Many people don’t understand their policy & are surprised when they file a claim & the peril isn’t covered (i.e., damage to your car w/ a liability-only policy or flood damage when home policies exclude floods). Instead, learn about covered & excluded perils. #creditchat

A7: Compare quotes from insurers. You may find comparable coverage for less. Also, get discounts, bundle policies, improve your credit score, and don’t file unnecessary claims. You may also increase your deductible (if you can afford it when you file a claim). #creditchat https://t.co/gXjiu3rpub

A6: Review your insurance policy: - 🗓️at least annually or before renewal - after major life events like buying a 🏡 or 🚗, having a child 🍼, a family member dying, adding/removing a driver, moving, or updating your home with security features #creditchat

A5: Standard policies include - dwelling (wall, flooring, roof) - other structures (garage, shed) - personal liability (someone’s injuries) - loss of use (can’t live in home during repairs) - personal property (furniture, clothing) Get add-ons for extra coverage. #creditchat https://t.co/Tu4hqeYkiu

For sure! Sometimes going cheap now will cost you big time down the road. Instead, balance cost and quality coverage #creditchat

Jim Katzaman - Get Debt-Free One Family at a Time @JKatzaman

A4a Don’t just pick the cheapest policy—pick the one that works when you need it. Look at: What’s covered (and what’s not) Deductibles Monthly cost Payout limits Reviews of how claims are handled Because fine print matters. #CreditChat

A4: Cost, optional add-ons, customer service preference (app, phone, email, in person), reputation for paying claims – don’t make decisions based solely on cost, make sure the policy meets your needs. #creditchat https://t.co/MNvdA4XDMS

A3: Location, age, claim history, driving record, home or vehicle age, safety features, how insurers assess risk, & for life insurance – medical history, job, and hobbies. Always compare quotes to find the best rate while maintaining quality coverage. #creditchat https://t.co/pRRj6uefrh

Insurance as a financial seatbelt is a good way to look at it! #creditchat

Shannon Martin @BankrateShannon

@Experian A1. Think of insurance as your financial seatbelt. It helps protect your future and current assets from surprise potholes like car accidents, medical bills or damage to your home. Without it, one unexpected event could derail years of savings and smart money moves.#CreditChat https://t.co/70hV2gbtBb

A2: - List property to 💰 protect against losses (🏡/🚗 ins.), who relies on your income 👨‍👩‍👦‍👦 (life ins.) and potential health costs (🐶🐈 ins.). - Think about coverage limits vs value of your car/home - Consider needs now & future, especially for life insurance #creditchat

A1: Insurance offers 💰 protection against unexpected/accidental losses. If you can’t afford to pay those losses out of pocket, then you need insurance. In some cases, it’s required, like 🚗insurance (by the state/lender) & 🏡 insurance (by the lender). #creditchat

RT @usnews: Join U.S. News' Senior Insurance Editor @QuianaDarden on today's edition of @Experian #CreditChat at 3 p.m. ET! https://t.co/t9…

Calling home insurance pros. I'm writing a story about major states losing home insurers, and I'd like to speak to a few experts on the topic. If you're interested and available to chat this week, DM me. #insurancenews #insuranceindustry #insuranceexpert #homeinsurance

Are you a woman with an interesting story to tell related to your lifestyle, dating or relationships? I’m writing for a new column and would love to tell your story! DM me. #freelancewriter #datingstory #journorequest #momsoftwitter

Are you a woman with an interesting story to tell related to your lifestyle, dating or relationships? I’m writing for a new column and would love to tell your story! DM me.

Are you a human resource or employee law specialist who can share insight on employee rights during a weather emergency? DM me! #journorequest