Felicia A. Williams

Felicia A. Williams is a wife, mother, freelance writer and owner of Tidbits and Stuff.

rss feed

Felicia A. Williams's Latest Posts

Completing Tax Form 5405: First Time Home Buyer’s Credit Form

Completing Tax Form 5405: First Time Home Buyer’s Credit Form

| January 4, 2011 | 0 Comments

IRS Form 5405 is the First Time Home Buyer Credit and Repayment of the Credit form. As the form title indicates, it is used for people who took the first time home buyer credit. Form 5405 is not a stand-alone form. It must be attached to your tax form 1040 or 1040X when filing your […]

Continue Reading

Does Home Insurance Cover a Roof?

Does Home Insurance Cover a Roof?

| January 3, 2011 | 0 Comments

Your homeowners insurance policy covers the entire home unless there is a high risk condition that exist whereby the insurance company wishes to exclude coverage for that condition. That is not the norm and generally the homeowner’s insurance policy covers the building and contents. As long as the roof is properly attached to the home, […]

Continue Reading

What is an Automobile Insurance Binder

What is an Automobile Insurance Binder

| December 28, 2010 | 0 Comments

Think of an automobile insurance binder as a contractual placeholder. It is a contract that holds the place of your insurance coverage until your actual policy is issued. It’s your physical evidence that coverage is in effect. Auto insurance binders hold the same amount of weight as your automobile insurance policy does. Why an Auto […]

Continue Reading

Insurance Policies and Insurance Parties

Insurance Policies and Insurance Parties

| December 24, 2010 | 0 Comments

If you’re new to world of insurance you may hear the term first party, second party and third party. When you think of insurance, the last thing you think of is a party. After all, insurance means serious business, right? In true insurance style, a party is not the festive occasion that the word party […]

Continue Reading

Tips for Getting a Good Homeowners Insurance Rate in Texas

Tips for Getting a Good Homeowners Insurance Rate in Texas

| December 23, 2010 | 0 Comments

Texans are faced with a few challenges when it comes to getting homeowners insurance. In spite of the weather, there are things you can do to get better insurance rates Texas residents have special weather conditions to keep in mind when soliciting quotes for homeowners insurance. Before we discuss the tips on how to save […]

Continue Reading

Additional Insured vs. Evidence of Insurance

Additional Insured vs. Evidence of Insurance

| December 20, 2010 | 0 Comments

Sometimes insurance terms are compared to each other when they should not be. The question came up as to what were the differences between an additional insured and evidence of insurance. Let’s see if we can explain the differences here. Additional Insured An additional insured is a person or entity that has an interest in […]

Continue Reading

Do I Need a Job to Buy a Car?

Do I Need a Job to Buy a Car?

| December 20, 2010 | 0 Comments

This question comes up every once in a while, especially from newly licensed drivers, and the simple answer as to whether or not you need to justify a car is…it depends. New Car vs. Old Car If you’re buying a used or older car that only costs $500 or $1,000 and you have the money […]

Continue Reading

Calculating Coinsurance on a Homeowners Insurance Policy

Calculating Coinsurance on a Homeowners Insurance Policy

| December 19, 2010 | 0 Comments

Coinsurance is not something new in the insurance industry. It is, however, something that some policyholders seem to have a difficult time understanding. Many individuals not familiar with insurance think of the coinsurance clause as a penalty clause. Actually, the coinsurance section of a policy can be looked at as a double-edged sword. Benefit of […]

Continue Reading

Jeep Liberty Recalls

Jeep Liberty Recalls

| December 16, 2010 | 0 Comments

If you own a Jeep liberty, I suggest that you go to the National Highway Traffic Safety Administration (NHTSA) website to search their database for the latest safety defects and recalls. I happened to be on the site because I was checking the latest investigation on another potential recall and found out that the 2003 […]

Continue Reading

How to Properly Insure an Engagement Ring

How to Properly Insure an Engagement Ring

| December 14, 2010 | 0 Comments

Congratulations you’re newly engaged and sporting a beautiful engagement ring. Now the next step is to insure your valuable jewelry. When it comes to insuring your engagement ring there is one thing you must have before you approach any insurance company. You need to have an appraisal. Make sure the appraisal is from an independent […]

Continue Reading