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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»

Go Through These Steps To Ensure Your Rental Car Is Safe To Drive

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Whenever you’re making changes to your auto insurance policy, it’s a good idea to see if the policy provides you with enhanced coverage for when you’re driving a rental car. This coverage means that you won’t have to pay extra for the insurance offered by the rental car provider, which will save you money on the rental fee. When it comes time to rent a vehicle, though, it’s advantageous to take some time to make sure the vehicle is safe for you to drive — the last thing you want to do is have an at-fault accident that affects your insurance rate because of an issue with the rental car. Read More»

Faqs About Higher Insurance Rates After An Accident

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Most people know that following an auto accident, your insurance rates could increase. There are various factors that determine whether or not they do. If you were recently in an accident, here is what you need to know about increasing rates and how you can lower them. Why Did Your Rates Increase? The obvious answer to an increase in auto insurance rates is that the accident led to your insurance provider looking at you as a higher risk to insure. Read More»

Three Dangerous Assumptions On Home Insurance For Weather-Related Damage

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Homeowners’ insurance coverage for weather-related damages usually affects multiple homeowners while other damages may be isolated. This different is significant because it may affect how your insurer handles your claim for weather-related damages. Ignorance about this difference may lead to several dangerous assumptions, such as the following. You Are Entitled To Immediate Coverage Ideally, you should buy insurance to protect you in case something happens, but not because something is about to happen. Read More»

Tips For Saving Money On Car Insurance

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If you are buying a new car insurance policy and want to make sure that you are getting the best price, without compromising your coverage then there are a few features and factors to keep in mind when shopping for your new policy. A few great ways to save is to take advantage of the following: Avoid Low Deductibles: Though having a low-cost deductible may be ideal in some cases since this allows you to pay less when filing a claim, it can also be the reason you are paying more on your insurance rate than you would like. Read More»

What Affects Your Medicare Insurance Plan Rates?

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Navigating the complex healthcare system of the United States can be extremely difficult, and the challenge is enough to make some people want to give up. Perhaps the most frustrating part about it is trying to figure out what your Medicare insurance plan’s rates will be. There are many factors that might change your Medicare insurance rates. Here are few of the major reasons you might spend more on a plan. Read More»

A Free Things To Know If You Are Worried About Having To Get An SR-22

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If you have received a few too many traffic tickets, been convicted of a DUI, or had a lapse in your automobile insurance, you are probably going to be told you need to have an SR-22 certificate added to your insurance policy. Basically, an SR-22 is proof that you are financially responsible for your automobile and any damage done while you are driving it. It lets the DMV know that you have current car insurance. Read More»