Articles written by D. Lowell Brown

How To Guides |
Community

About me - D. Lowell Brown

Happy husband, Proud father. I love writing.

+ more bio information

RSS Feed

Personal Finance > Auto Insurance What factors affect car insurance rates?: 1 of 7

The answers to this question get less and less specific every year. The auto insurance market is such a competitive arena that companies are constantly coming up with new pricing models. These models are designed to help the company "rate for the risk". Information is gathered from several areas, however, the most important ...
Personal Finance > Life Insurance Why you should get life insurance, even if you're young and single: 1 of 6

Being young and single means that you have nothing to worry about, right? If only that were true. While being young and single changes your life insurance needs, it does not dismiss those needs completely. There are many reasons that you should buy life insurance, even when you are young and single. However, the four reasons...
Personal Finance > Home Insurance How to read a homeowner's insurance policy: 2 of 8

Purchasing a homeowners insurance policy can be frustrating. What's worse is that now you have a policy sitting in front of you that is full of numbers, percentages, legal terms and insurance lingo. What does it mean? How do you know if you have the coverage you need? Having a basic understanding of terms commonly used in ho...
Personal Finance > Life Insurance After your mortgage is paid, do you need life insurance: 1 of 4

Your needs for life insurance will fluctuate continually throughout your life. When you get married, they change, when you have kids they change, when those kids leave your home they change. Your life insurance needs are somewhat dictated by these events. Professionals in the insurance industry sometimes call these "life eve...
Personal Finance > Home Insurance Why you should have renters insurance: 4 of 14

Most people shopping for renters insurance focus primarily on protecting their goods. While renters insurance does cover your goods at a home or apartment you are renting, it is designed to protect you in additional ways. Your stuff. Your personal items are covered by your renters policy no matter where you or your items are...
Personal Finance > Auto Insurance Why car insurance is needed: 2 of 5

There are many reasons to insure your car and to keep it insured. There will be times in your life where you will be compelled to insure a vehicle, either by your state (which most likely requires that you carry at least liability insurance coverage), or a bank through which you have financed a vehicle (banks do not care as ...
Personal Finance > Home Insurance Liabilities: Top five danger areas around your home: 12 of 25

Everyone likes to save money on their insurance, right? Wouldn't it be great if you could know some ways to keep your homeowners insurance premium down? Being aware of common danger areas around your home can help you avoid claims. And what happens when you avoid claims? Lower premiums. Yay! Listed below are some suggestions...
Personal Finance > Life Insurance How much life insurance should one buy?: 5 of 10

There are several factors that you should consider when deciding on an appropriate amount of life insurance. Each person has different needs, but since you are reading this instead of meeting with me in my office, I'll have to write in generalities. How much do you make? This will help you determine a couple of things; first...
Personal Finance > Home Insurance Mobile home insurance: What does your policy cover?: 1 of 2

Whether it be a mobile home or a stick built home, your home represents a significant financial investment. It is important to be familiar with all things regarding your home, especially the insurance policy. Do not make the mistake of assuming that your insurance representative will put together the perfect policy. You need...
Personal Finance > Auto Insurance Options when involved in an accident with a driver who doesn't have auto insurance: 1 of 2

Being in a car accident can be frightening and frustrating all by itself. Imagine then, how much more frustrating it would be to deal with the damage when you find out that the other driver had no auto insurance. What are your options? How will you get your car fixed? Who will pay your medical bills? Is there anyth...