getting insured

Are the two of you covered no matter what? Find the insurance coverage you need and answers to all your insurance questions right here. Let's start with you and your honey: We've got health insurance information to help you choose the right plan and advice on how to get and keep health insurance even if your circumstances change. We've also got the inside scoop on life insurance and disability insurance. Now let's move on to some of the key parts of your life, like where you live. We have home owners insurance advice to help you understand what kind of policy you need, what's covered, and what to do when you need to use it. Besides the house, what about your wheels? You'll find answers to all your auto insurance questions, including how to cut car insurance costs. And let's not forget the little things! Ever thought about insuring your engagement ring? It might not be covered by your renter's or home owner's policy, so you ought to check if you have ring insurance. We've also got general insurance advice that can help with all your coverage, from the eight tips newlyweds need to know to tried and true tricks from real Nesties about insurance. You can also chat with other Nesties to get insurance advice right here. Whether you've got auto insurance questions, need home owners insurance advice, want help with health insurance information, or just want the dirt on insuring your engagement ring, you've hit the right spot.

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Money Q&A: How Can We Save on Home Insurance?


The Nest Q&AWe're looking into buying a home. We’ve heard that homes close to fire hydrants and fire stations cost less to insure. Is that true, and do you have any other cost-cutting insurance tips for us?


This past year, in many areas around the country, the cost of homeowner’s insurance jumped considerably. I recommend using the power of the Internet to get a good deal, so go online and shop those rates! Check out comparison sites like,,, and Call your insurance agent as well.

When it comes to getting the best rate, be aware that:

  • You should only be insuring your house, not the property it stands on.
  • You’ll pay less if you have a security system and fire alarm in place.
  • You’ll pay less if you’re a nonsmoker.
  • You may qualify for a discount if you renovate the electrical, heating, and/or plumbing systems.
  • You can get a discount if you buy your homeowners insurance from the same company that insures your car.

Lastly, another way to lower your rate is to raise the deductible. Ask your carrier how much you’d need to raise your deductible in order to knock 20 percent off your premium. If it’s an amount you can handle, then go for it!

Start Rich, Finish Over, David Bach David Bach, author of seven NYT best sellers. His new book is Start Over, Finish Rich. Click here to visit his website.

-- David Bach

See More: Money , Buying a Home , Insurance Basics , Insurance