Insurance isn’t required by law, but a policy can protect your finances and assets. This is why many people purchase life insurance, auto insurance, and of course, home insurance. If you get a mortgage to buy a home, your lender will require an insurance policy. In fact, you must provide proof of insurance before closing. But even if you have home insurance and understand the value of a policy, your insurer might cancel your coverage. This can happen regardless of whether you’ve paid off the home or you have a mortgage. A notice of cancellation can be stressful, considering the importance of ..read more

Your checking account is the center of your financial life. When you get a paycheck, you deposit the money in your checking account. When you need to buy something with a debit card or pay a bill with a check, the money comes out of the account. Because it plays such an important role in your financial life, it’s essential that your checking account be easy to use and have the features that you need. Typically, your checking account is the first bank account you open, and most people stick with a bank for a long time once they open a checking account. So, banks will compete to offer the best ..read more

Coinsurance and copays are the two major cost-sharing models used by health insurance companies. They are costs in addition to any deductible you must pay. Still: Health insurance plans may help make healthcare more affordable. This is especially true when you face significant medical expenses. Unfortunately, health insurance is anything but simple. Understanding how coinsurance and copays work can make your life easier. It can also help you make a financially wise choice if you have multiple plans to choose from. The Big Picture of How Health Insurance Works Health insurance plans have a set ..read more

The granite state has much to offer, including no sales tax (don’t visit around the holidays), as well as very cheap car insurance. Surprisingly, auto insurance is not required in the state, however it has a very small number of uninsured motorists. In New Hampshire, the average rate (with “full coverage”) is $1,101 per year. Below is a guide in which we’ll be helping you find the right rate to match the type of coverage you’ll need. What are Average Car Insurance Rates in New Hampshire? Statewide average premiums in New Hampshire for three popular car insurance coverage levels (all premium i ..read more

Homeowners insurance protects your property from losses and damages. It’s not required by law, yet mortgage lenders typically require proof of a policy before closing. Although these policies cover your house, personal belongings, and provides other protections like loss of use coverage and liability, not all policies are created equal. Coverage is based on whether your policy is on an HO3 form or an HO5. Both policies offer a standard level of protection, but you’ll receive more or less coverage depending on the form. Here’s a look at key differences between HO3 and HO5 homeowners insurance ..read more

There’s a lot to consider when choosing a credit card, including where you live. You may not realize it but where you call home can influence how you spend. If you live in California, for example, then your spending habits might look very different from a New Yorker’s or a Texan’s. That’s important to know when it comes to choosing a rewards credit card. Finding the right card (or combination of cards) that aligns with how you spend matters for maximizing rewards. If you’re a Golden State resident, here are some helpful tips for finding the best credit cards in California. Best Credit Cards i ..read more

John Hancock is a financial services company that offers various products and services like insurance, retirement, investment, and general financial planning for personal and business clients. The company’s core product offerings revolve around insurance and operates as a subsidiary of a Canadian-based company called Manulife. If you are considering John Hancock for your insurance needs and want to know more about the company’s insurance coverage, pricing, and industry standing, here’s more information that might help. Background on John Hancock John Hancock, also known as The John Hancock Li ..read more

Most homeowners know the value of homeowners insurance. These policies protect against losses or damage to their home, and provide other protection to reduce their out-of-pocket expense. If you’re buying a home, though, your mortgage lender will require hazard insurance. But while it might appear that you’ll need two separate policies to protect your home, you don’t. Although lenders tell borrowers to buy hazard insurance, it’s important to note that standard home insurance policies automatically include hazard protection. Hazard insurance covers the actual structure or dwelling, and it’s com ..read more

Looking for a new rewards card? If so, it’s important to find one that’s tailored to how you spend. Where you live can make a difference in the card you choose. For example, the best credit cards in New York may not be the best credit cards for someone who lives in Florida or Montana. That’s because geography can influence how you spend. If you live in New York, you might be interested to know which credit cards are right for you. Best Credit Cards in New York Citi Double Cash: Best for general-purpose spending Blue Cash Preferred from American Express: Best for groceries Chase Sapphire Pref ..read more

The best credit cards are the ones that align with your spending style and needs. But where you live geographically can also play a part in choosing a card. For example, the best credit cards in Texas can reward you with cash, miles or points on everyday spending, entertainment and travel purchases. We reviewed more than 30 credit cards from the biggest U.S. credit card issuers to find the best options for Texans to maximize the rewards and perks based on how they spend. Best Credit Cards in Texas Citi Double Cash: Best for general spending Blue Cash Preferred from American Express: Best for ..read more