Insurance
The wildfires still raging in Los Angeles have displaced thousands of homeowners — many of whom have inadequate coverage due to a broken home insurance system in the state. And while new efforts to keep affected homeowners insured and expand coverage areas are going into effect, it may be too little, too late for many. How the home insurance system in California failed residentsRetaining homeowners insurance in California is notoriously difficult for those living in areas vulnerable to wildfires. And the problem has only gotten worse in recent years.The effects of climate change, combined with poor forest management, have accelerated…
Shopping for cheap car insurance can feel like hunting for Black Friday deals. You know what you want, but you have to compare different prices from different companies. And with each insurer using a unique pricing model, how can you really know when you’ve found the best deal?Car insurance costs continue going up year after year, so you may be looking for ways to find cheaper coverage. A 2024 J.D. Power study revealed that nearly half of American car insurance customers have shopped for a new policy within the past year. But while rates may be at an all-time high,…
Allstate3.5NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates pricing, complaint data, online quote availability, coverage options and more.Speak to a licensed insurance agent on askchapter.orgM-F 8am-10pm EST, Sa-Su 9am-9pm ESTSpeak to a licensed insurance agent on askchapter.orgM-F 8am-10pm EST, Sa-Su 9am-9pm ESTSpeak to a licensed insurance agent on askchapter.orgAllstate Medicare Supplement pros and consProsLow prices: Allstate’s premiums are sometimes the lowest on the market.Stacking discounts: Members who qualify for all of Allstate’s discounts might get up to 25% off of premiums in total.ConsComplaints: Allstate has significantly more member complaints than the average Medigap company.Mediocre extras:…
Aflac3.0NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates pricing, complaint data, online quote availability, coverage options and more.Speak to a licensed insurance agent on askchapter.orgM-F 8am-10pm EST, Sa-Su 9am-9pm ESTSpeak to a licensed insurance agent on askchapter.orgM-F 8am-10pm EST, Sa-Su 9am-9pm ESTSpeak to a licensed insurance agent on askchapter.orgAflac Medicare Supplement pros and consProsLower prices: While not the absolute lowest, Aflac’s premiums are cheaper than many competitors.Spending on care: Aflac spends more on member benefits and less on overhead than the average Medicare Supplement Insurance company.ConsComplaints: Aflac members file complaints about their Medigap policies at…
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.4.5/5 Unlimited The highest coverage limit the insurer offers per year. 70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible. $250, $500, $1,000 How much of your vet bills you need to pay before the insurer starts reimbursing you. Most plans include unlimited access to Chewy’s vet telehealth service. Some plans pay 100% (minus your deductible) for supplements purchased from Chewy.Stand-alone wellness plans available.Some plans offer direct claim payments to vets.Quick processing…
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.5.0/5 Unlimited The highest coverage limit the insurer offers per year. 70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible. $100 – $1,000 How much of your vet bills you need to pay before the insurer starts reimbursing you. Covers some pre-existing conditions. Coverage includes alternative treatments and behavioral therapies.Curable pre-existing conditions may be covered.24-hour vet helpline for health questions.A one-time administrative fee may apply when you first buy your policy.No prescription…
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.4.5/5 $10,000 for illnesses, $5,000 for accidents The highest coverage limit the insurer offers per year. 50% – 80% How much of your bill the insurer will pay after you’ve met your deductible. $250, $500, $1,000 How much of your vet bills you need to pay before the insurer starts reimbursing you. Covers variety of pets, including cats, dogs, rabbits, birds and reptiles. Vet exam typically not required to enroll.Coverage available for exotic animals.24/7 vet helpline.No unlimited coverage option.Older pets…
Medicare may not seem like a pressing issue for most Americans under the age of 65, but according to a new NerdWallet survey, 65% of Americans have interacted with the Medicare system in some way — whether that means being an enrollee, helping someone else figure out their coverage or needing to understand the system as part of job responsibilities.The survey of over 2,000 U.S. adults — among whom 779 are enrolled in Medicare — commissioned by NerdWallet and conducted online in July 2024 by The Harris Poll, asked Medicare enrollees about their satisfaction with their health plan and whether…
Key insights ????There is no such thing as no-deposit car insurance. All insurers require payment before activating coverage.You can lower your initial payment by taking advantage of discounts, only purchasing coverage you need and comparing rates to find the cheapest insurance company for you. Your first car insurance payment can be as low as $40, according to NerdWallet’s November 2024 analysis of minimum coverage rates from the country’s largest insurers.A car insurance “deposit” counts toward your total premium. It’s not an additional fee.Car insurance with no deposit doesn’t exist. Legitimate insurers require some money down before they’ll provide coverage. The good…
More than one in five adults age 65 and older reported not taking medications as prescribed due to cost, according to a 2023 study published in JAMA Network Open.There’s help available, but many beneficiaries might not be aware of their options.“Far too many people don’t know that there are resources out there to help them,” says Amy Niles, chief mission officer at the PAN Foundation, a nonprofit organization that helps people get needed prescription drugs and medical treatments.Here are three potential resources that might help you or a loved one afford medications with Medicare Part D.Medicare will have big changes…
Liability insurance, also known as umbrella insurance, is a smart choice if you have a lot of assets you want to secure in case of a lawsuit. While initially this coverage may seem like something only the wealthy should pursue, the truth is that anyone can be the victim of a lawsuit. If you own your own home, have retirement savings or keep money in the bank, you should consider this general liability insurance. In the rather litigious society we live in today, even driving a car carries the danger of a lawsuit. If you hit another driver on a…