Like car insurance, not all homeowner’s insurance is exactly the same. When you come to purchase insurance from a provider offering homeowner’s policies in Kansas other another state, you’ll have the option of purchasing everything from a basic HO1 to a premiumHO5 policy.

The HO1 policy is sort of the equivalent to third-party liability vehicle insurance, in that it meets the minimum legal standard. Normally these policies protect you against 11 specific named threats: glass breakage, smoke, fire or lightning, vandalism, theft, riots, vehicle or aircraft crashes, explosions, volcanoes, hair or wind, and personal liability. Anyth Read more…

My daughter was seriously injured in a car accident in September 2009. A passenger in the other car was killed and the driver imprisoned for dangerous driving.

His insurer, Admiral, should be paying for my daughter’s treatment but is arguing over liability. It made an offer last August but her solicitor is not happy that he has everything needed to complete the valuation. My daughter does not know whether to accept the offer or continue waiting. She has legal expenses insurance on her motor policy with NFU Mutual which pays for her solicitor.

NFU has promised to push this along and wrote to your daughter explaining the legal position.

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In Desrosiers v. Hudson Specialty Ins. Co., 2011 U.S. App. LEXIS 12591 (9th Cir. Or.

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A national independent broker-dealer is raising fees, including its advisor affiliation fee, starting Jan. 1, 2012, after two decades of maintaining the same rates.

LPL Financial plans to instate the following increases: for branches with 1-4 advisors, the fee will increase from $125/month per advisor to $175/month per advisor; for branches with 5-11 advisors, the fee will increase from $600/month divided by the number of advisors in the branch to a flat rate of $125/advisor; and for branches with 12 or more advisors, the fee will increase from $50/month per advisor to $100/month per advisor.

The broker-dealer said it has about 12,800 financial advisors.

The advisor affiliation fee was not raised for more than 20 years, according to LPL Financial.

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