One of the biggest misconceptions individuals have when it comes to insurance is that homeowner’s or renter’s insurance will cover all of your personal property. However, if you look closely at your policy, you will see there is a set limit on the monetary value of a claim, as well as certain other restrictions....
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Before you do your research and get quotes for home insurance, it is important to make sure you have the right homeowner insurance coverage should theft or other disasters occur. Having the proper amount of coverage ensures you can afford to pay for replacements and repairs if needed. The AM Best Rating All insurance companies...
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The roof of your home is designed to protect the structure and the belongings inside. Over time or during severe weather, your roof can become damaged or may need to be replaced. While your homeowner’s insurance policy will likely cover the cost of roof repair or replacement with either replacement or cash value, it is up...
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The excitement of buying a new car can be quickly eliminated when you find out how much your auto insurance will increase. A large number of factors can play a significant role in the cost of your premiums. For some individuals, understanding how different vehicles can impact your insurance will help you make the right choice....
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Without proper insurance coverage, you could become financially liable for damages or create a financial burden for those around you. However, buying an insurance policy is not the final step in the process. Periodically, it is important to evaluate your coverages to ensure you have the appropriate amount, whether you have homeowner’s insurance coverage, automobile...
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Most people know that some cars are more expensive to insure than others. While some individuals are not certain of the specifics of these price differences, there are some basics to help explain the premium variances. Auto insurance companies look at a large number of factors, including the make, model, and year of the car, to...
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When it’s time to invest in a new auto or homeowner’s insurance policy, your first consideration should be to determine how much your plan deductible will be. The amount of your deductible will directly affect the cost of your premium. Some individuals opt for a larger deductible in an attempt to get the most affordable home...
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Most individuals do what they can to avoid filing an insurance claim, whether it is against their homeowner’s insurance, auto insurance, or renter’s insurance. However, accidents do happen and you may find yourself in a situation where you need to file a claim against your policy. When this happens, it is important to know the proper...
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You purchase your homeowner’s insurance policy as a way to protect yourself from insolvency should something bad happen. No one likes to make a claim against their insurance policy. It requires a large amount of paperwork and time for both the policy holder and the insurance company. Therefore, it is always a good idea to be...
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As you look for the most affordable home insurance, there are many factors you need to consider. Working with the best insurance companies for homeowners will ensure your agent goes through all the possibilities to help you make the right decision for your needs and your budget. One of the most important factors you will need to...
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