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3 Factors That Affect The Cost Of Your Homeowners' Insurance

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If you are planning to purchase a home, it is important to have an idea of the full monthly amount that you can afford to pay for a mortgage. However, it is also important to estimate the cost of other essential expenses, such as homeowners’ insurance. There are multiple factors that will affect the cost of your home insurance. Here are a few of them: The Cost of the Home Read More»

Will Your Car Insurance Settle Your Non-Crash Injury Claims?

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Car accidents do not always involve crashing into another car; there are also cases of non-crash injuries that result in substantial injuries. Many people don’t know whether their Personal Injury Protection (PIP), Medical Payments coverage, or underinsured/uninsured motorist coverage would settle their medicals bills if injured with non-crash injuries. Here are four questions that are likely to determine whether you receive compensation for such injuries: What Were You Doing? In most cases, you will be compensated if you were using or servicing the car, and your injuries aren’t self-inflicted. Read More»

3 Tips For Saving Money On Your Property Insurance

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Being a homeowner comes with a lot of extra expenses. Many people fail to recognize just how much money they will put into their home when they first buy a house. However, in attempts to save money, you should never opt out of homeowners insurance. Yet, just because you should carry property insurance doesn’t mean that you have to go broke to pay for it. There are many things that you can do to lower your premiums while still getting great insurance. Read More»

The Relationship Between Auto Insurance Coverage And Vehicle Registration

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Most states require that you show proof that you have auto insurance before you can legally own a vehicle. The reasoning is that if you own a vehicle, you must be able to prove financial responsibility if you are involved in a motor vehicle accident. If you are considering not carrying auto insurance, understanding how insurance coverage and vehicle registration go hand in hand may help to change your mind. Read More»

Funeral Insurance Versus Traditional Life Insurance For Seniors Over 70

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Seniors that are looking for insurance may be torn between funeral or burial insurance versus more traditional term or life insurance. It may help to know exactly what burial insurance is, and that it typically has a lower cash value than conventional life insurance policies. Burial insurance policies generally are worth less than 25k, and are intended to take care of final wishes and funeral costs at end of life. Term life insurance, on the other hand, may have a higher cash payout and could build capital so that policy-holders can borrow on it. Read More»

3 Factors To Consider When Deciding If Usage-Based Auto Insurance Is A Good Idea

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Little black boxes have been promoted as a great way to save money on your car insurance. They monitor your driving, so you get a quote based on your personalized driving rather than the standard for your gender, age group and experience. Is this the best type of car insurance for you, though? Here are three factors to consider. 1. All Driving Is Monitored If you regularly share your car with someone else, both of you will be monitored. Read More»

Should Newlyweds Combine Car Insurance Policies?

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There are many things you think about after getting married, such as name changes, bank accounts, and mortgages. Car insurance usually isn’t one of the first items on your to-do list, but it should be. Now that you are married, combining your car insurance policies is an option you need to consider. The question is – is combining car insurance policies in your best interest? Being Married Decreases Your Premiums Read More»

How To Prepare For The Risk Of Home Burglary

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Standard homeowners’ insurance covers personal belongings for up to 50 to 70 percent of the structure coverage. However, you don’t just buy coverage and expect compensation when your items are stolen. Have these three measures in place to ensure your homeowners insurance covers loss of your valuable items: Have a List of Your Most Valuable Items In an ideal world, you would be able to remember every item in your house without referring to a list. Read More»

3 Ways To Save Money On Your Auto Insurance Each Month

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Every person should carry auto insurance. In fact, in some states if you don’t have auto insurance you can get in trouble with the law. This is why it is vital that you always have an active policy on your car(s). However, just because you need auto insurance doesn’t mean that you need to overpay on the policy. Here are some simple things you can do to save money on your auto insurance. Read More»

3 Characteristics Every Auto Insurance Policy Should Have

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If you have a license to drive then you need to carry auto insurance. This is true even if you don’t own a car, since there is a chance you will drive a borrowed or rented car. Many people are so worried about the price of the insurance that they fail to make sure that they are getting a plan that provides them with the coverage they need. Here are some things that you should always have with your auto insurance coverage. Read More»