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An insurance deductible is the amount of money a policy holder has to first pay for any losses before the insurance coverage kicks in. In most cases, insurance deductibles are set by the insurance firms and policies are sold with these predetermined deductible values in place. READ MORE >>

To be a recognized insurance agent in most states one has to be certified through completing a state certification exam. Most people consider certification and the required re-certification just another annoying procedure, but it offers real benefits to not only the insurance agents but also their customers and the parent insurance firm. READ MORE >>

A home insurance policy does not cover damages that result from flooding. Many people assume that this also applies to auto insurance. However, some Ohio auto insurance policies actually do cover flood damage—the real question is, does yours? Damages caused by floods are not covered by default through any auto insurance policy. READ MORE >>

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