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Affording Auto Insurance: Government Help Available In Some Areas

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While auto insurance is required by law in most states, not everyone can afford to pay the premiums. For low-income households, auto insurance can take a big bite out of the monthly budget. While some states are considering programs to help low-income drivers meet the cost, other states already have government programs in place or offer subsidies to help you pay for auto insurance. Therefore, if you fall within the category of drivers who can’t afford auto insurance, there may be help available. Read More»

Buy Your First Home? 3 Things You Need To Know About Your Home Insurance

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Now that you’ve purchased your new home, you need to familiarize yourself with the insurance policy you purchased. On the surface, it might look like one policy that protects your home and everything in it. However, your policy is more complex than that. Your insurance policy is actually comprised of several “mini policies.” Each of those “mini policies” are designed to provide protection for a specific thing. Each section has specific limits and benefits. Read More»

4 Things You Probably Didn't Know About Your Car Insurance But Should

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In most states, having car insurance is required by law. Many drivers will purchase car insurance, but not look too much into what is covered. Here are four things you probably don’t know about your car insurance but definitely should: Your Personal Belongings Aren’t Covered: If you often drive with personal belongings, such as a laptop or other expensive items, you must know that you won’t receive coverage for these items if they are damaged in a car accident or are stolen out of your vehicle. Read More»

4 Additional Coverages You Should Consider For Your Auto Insurance Policy

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When you purchase auto insurance coverage, which most states require you to have, you want to consider including more than the liability coverage that is required by law. This is because liability coverage only covers the damage done to the other party’s property and their injuries in an accident that you have caused. If there are damages done to your vehicle or if you have suffered an injury, you will need to pay out of pocket. Read More»

How To Reduce Your Exposure To Social Host Liability

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Are you planning a summer house party? Before you go any further, you should know that you may be held responsible if your party guests get injured; this is known as social host liability. If you don’t know how to reduce your exposure to social host liability, stop your plans right now until you understand these three precautions:    Choose an Outside Venue You expose yourself to more risks if you host the party at home compared to an outside venue. Read More»

Three Steps To An Accurate Auto Insurance Quote

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Insurance quotes are important. Not only do they help you budget for the cost of your policy, but they also contain important details concerning the type of coverage you have. With that being said, getting an accurate quote is imperative. Before you get a quote from an insurance company, make sure you know how to get the most accurate quote. Be Forthcoming Some people shopping for new auto insurance think it doesn’t hurt to fib. Read More»

Are You A Guitar Player? Take These Steps To Ensure That Your Instruments Are Properly Insured

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Your home insurance coverage protects the value of your home and the contents inside it, but it’s always important to let your insurance agent know if you have certain items of a particularly high value. If you’re a musician and keep several guitars inside your home, the last thing you want is to have them taken in a break-in or destroyed in a fire; without firm proof about their existence, it may be difficult to convince the insurance company that you had a number of high-value instruments for which you require compensation. Read More»

Tips For Protecting Your Business From Disaster During Hurricane Season

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As the summer season begins, so too does hurricane season. Unfortunately, the first hurricane season catches many new business owners unprepared. How quickly you can get things back in operation will depend upon how well prepared you are before the storm season comes in. Here are a few tips to help you with your first storm season as a small business owner. Put A Response Plan In Place One of the biggest problems encountered by most small businesses is the lack of a plan to respond to potential disasters. Read More»

Answers To Common Questions About Minimum Car Insurance

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If you have just paid off your car or you have been driving a paid-for vehicle for a while now, it is a good idea to understand exactly what liability insurance does and does not cover. Although liability insurance, or a bond that requires similar coverage, is required by law for every driver in almost every state, many drivers erroneously think that it only covers expenses to the other vehicle. However, you may have more coverage than you think, even with the minimum liability policy, and the following information will help to clarify your understanding of this important policy. Read More»

Key Information About Liability Coverage

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You may be thinking about switching from full to liability coverage. If you’re still paying off a car loan, liability coverage isn’t sufficient. Even if your car is paid off, it may make more sense to keep full coverage if it still has fair value. Know what you’re paying for in liability-only coverage, and then insure your auto to best protect your assets. Bodily Injury Liability Coverage Bodily injury coverage is the most common type of liability insurance. Read More»