Georgia Buzzard
How Climate Change Has Impacted Home Insurance Rates
Climate change is driving up home insurance rates as extreme weather events become more frequent and severe. Insurers are using new climate risk models, raising premiums, limiting coverage, and even exiting high-risk areas. Homeowners face higher deductibles, more exclusions, and reduced policy availability – especially in states like Florida and California. These shifts are also affecting home values and mortgage approvals. Even those outside high-risk zones may see rising costs due to industry-wide loss sharing.
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Georgia Buzzard
Will My Health Insurance Cover Flu Shots and Vaccinations?
Most health insurance plans cover flu shots and recommended vaccines at no cost if you use in-network providers. Preventive care, including COVID-19 shots, is often fully covered, but travel or optional vaccines may not be. Uninsured individuals can access low-cost options through clinics or special programs. To avoid surprise bills, always confirm coverage and provider network status. Staying vaccinated helps protect your health, others around you, and reduces future medical costs.
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Georgia Buzzard
Do Professional Writers Need Business Insurance?
Writing may seem like a low-risk profession, but professional writers face unique challenges like copyright disputes, client conflicts, defamation claims, and data breaches. Business insurance helps protect against these risks by covering legal fees, equipment damage, and liability issues. Whether you’re a freelancer or author, having the right coverage ensures peace of mind and safeguards your career from unexpected setbacks.
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Georgia Buzzard
10 Horrible Decisions That Will Mess Up Your Car Insurance
Car insurance is one of those things many of us think about only when we absolutely have to – usually after an accident or when renewing a policy. But your choices (or mistakes) along the way can have serious consequences for your premiums, coverage, and even your ability to get insured in the future. Sometimes, the wrong decisions can lead to skyrocketing rates, denied claims, or nullified policies.
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Georgia Buzzard
Renters Insurance 101: What It Covers and Why You Need It
Renting a home comes with its own set of responsibilities and risks. While your landlord likely has insurance to cover the building itself, that policy doesn’t extend to protect your personal belongings or provide liability coverage. That’s where renters insurance comes in. This essential policy can safeguard your valuables, shield you from liability, and give you peace of mind.
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