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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»

3 Simple Tips For Saving Money On Your Homeowners Insurance

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If you own a home you might be wondering what you can do to save money on your homeowners insurance policy. Even though most banks require that you carry insurance if there is a mortgage on the home, you should always carry homeowners insurance, even if you don’t have a mortgage on the home. But just because you need the insurance doesn’t necessarily mean that it must be expensive. Here are some simple things you can do to save money on your homeowners insurance. Read More»

Six-Month Stint: Why Car Insurance Should Be Paid In Six-Month Terms

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Car insurance is a monthly bill that can not be skipped without major issues. If you live in a state that requires auto insurance, you may find yourself with a letter and cancelled vehicle registration due to a lapse in insurance. Accidentally missing a car insurance payment can also mean legal trouble if you get into a wreck or if you get pulled over by a policeman. Insurance will typically offer the option to pay monthly, yearly, or every six months. Read More»

Own A Bar And Worried About Liability? A Few Things You Can Do For Protection

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If you own a bar and you worry that someone getting out of control could put your business at risk, you’ll want to consult with a few different professionals to make sure that you are safe from as much liability as possible. Unfortunately, people want to blame the bar and the owner when adults make their own mistakes and bad decisions. You don’t want to pay for a lifetime because of someone else’s poor decision making. Read More»

How To Lower Your Home Insurance Costs If You Have A Wood-Burning Stove

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While installing a wood-burning stove in your home may lower your heat bills, it could raise the annual cost of your home insurance premium. But even if your insurer sees a wood-burning stove as a factor that puts your home at higher risk of fire, there are steps you can take to keep your premium lower. Know the risks. Once a common way to heat a home, a free-standing wood stove poses a serious fire threat. Read More»