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Quote.com is an online platform that offers price quotes for insurance and personal loans. Since 2013, it has been under the ownership of Dan Wesley.

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How much homeowners insurance do you need in 2024? (Expert Explanation)

Jun 28, 2024 | quote.com | Kalyn Johnson |Brad Larson

How much homeowners insurance do you need? Before you start calculating, it’s important to know the 80% rule in homeowners insurance — you must insure your home for at least 80% of its replacement value. If your home is valued at $200,000, buy at least $160,000 in coverage to avoid penalties. You can carry more homeowners insurance coverage and add endorsements if you live in a high-risk area. Keep reading for a step-by-step guide to estimating your home insurance needs.
Homeowners Insurance Coverage Explained (What You Need to Know for 2024)

Jun 28, 2024 | quote.com | Kalyn Johnson |Brad Larson

What is home insurance and what does it cover? Get homeowners insurance coverage explained in this guide. We explore how coverage works and the factors companies use to set premium rates. The most basic homeowners insurance policies cover the structure of the home and your personal belongings inside. You have to pay a deductible before coverage applies, but you can choose between replacement cost and actual cash value policies. Who needs homeowners insurance?
Understanding the 8 Types of Homeowners Insurance Policies (2024 Coverage Explained)

Jun 28, 2024 | quote.com | Kalyn Johnson |Brad Larson

Your home insurance plan covers the home’s structure and your personal belongings. You can choose between replacement cost policies, which recover the full value of your items, and actual cash value policies, which consider depreciation. Each policy, from basic HO-1 to specialized HO-8, offers varying levels of protection. For instance, some types of home insurance provide replacement coverage by default but have higher monthly rates.
What is life insurance fraud?

Aug 30, 2023 | quote.com | Daniel Wesley

Life insurance fraud is a serious issue that costs insurance companies billions of dollars each year. It involves individuals or groups conspiring to deceive insurers for financial gain. While there are legitimate claims made by policyholders, some individuals manipulate the system by engaging in fraudulent activities to obtain undeserved benefits.
What is Life Insurance Retirement Plans (LIRPs)?

Aug 30, 2023 | quote.com | Daniel Wesley

Life Insurance Retirement Plans, commonly known as LIRPs, are financial tools that offer a unique way to save for retirement while providing the added benefit of life insurance coverage. This article will walk you through the basics of LIRPs, their benefits, how they compare to other retirement plans, who should consider them, and how to set up your own LIRP.
What is the "Slayer Rule"?

Aug 30, 2023 | quote.com | Daniel Wesley

The “Slayer Rule” is a legal concept that governs the inheritance rights of individuals who are responsible for the death of another person. Also known as the “slayer statute” or the “slayer rule of descent and distribution,” it is based on the principle that a person should not benefit financially or otherwise from the wrongful act of intentionally causing someone’s death.
What is the "effective date" of a life insurance policy?

Aug 30, 2023 | quote.com | Daniel Wesley

Life insurance is an important financial protection tool that helps individuals secure the well-being of their loved ones in the event of their death. When purchasing a life insurance policy, it’s essential to understand the various terms and conditions associated with it. One such crucial concept is the “effective date” of the policy. In this article, we will delve into the details of the effective date and its significance in the context of life insurance.
What is temporary life insurance?

Aug 30, 2023 | quote.com | Daniel Wesley

Temporary life insurance, also known as term life insurance, is a type of insurance policy that provides coverage for a specific period of time. Unlike permanent life insurance policies, which offer coverage for the insured person’s entire lifetime, temporary life insurance is designed to protect against financial loss during a specific timeframe, such as 10, 20, or 30 years.
What is supplemental life insurance and what does it cover?

Aug 30, 2023 | quote.com | Daniel Wesley

Supplemental life insurance is an additional insurance policy that provides extra coverage on top of your existing life insurance policy. This type of insurance can provide financial protection for your loved ones in the event of your death. In this article, we will explore the basics of life insurance, the details of supplemental life insurance, the coverage it offers, and the benefits it provides. We will also discuss important factors to consider when purchasing supplemental life insurance.