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When You are Comparing Auto Insurance Quotes

Shopping around for auto insurance is the best way to make sure you are getting the best deal.  But not every agent or insurance company quotes in the same way.  It's important to be sure you are comparing apples to apples when you compare auto insurance quotes to ensure that you are getting a great deal.  That low price may come with lower coverage or higher deductibles and might not be such a great deal after all.  Learn how to compare auto insurance quotes for a truly good rate.   Are The Coverages The Same?   When you read over…
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Whether it's damage due to a natural disaster or an unexpected accident or break-in, knowing when you should file a home insurance claim and what the consequences will be either way, is important.  So when should you file a homeowner`s insurance claim and what will that mean for your future rates or eligibility for a new policy with a new carrier?  Here are some things to consider before contacting your insurance company.   Look First At Your Options The first thing to consider when making a home insurance claim is whether your current policy will cover the claim or not. …
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Professional Liability Insurance

Whatever your profession, protecting yourself with professional liability insurance is not just a smart thing to do, but a necessity in today's litigious society. You have worked hard and put in years of education and work to get where you are in your career. Without the right coverage for potential negligence suits, you could lose everything you have worked so hard to achieve. What It Covers General liability insurance can protect you from a wide variety of claims against you and your business, but will not protect you from the type of lawsuit that can result from the simple errors…
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How Much Homeowners Insurance Do You Need!

Homeowners insurance is an essential part of owning a home and is a cost usually considered as part of the regular maintenance and protection of your house. In most places it is also required by your mortgage lender, but how much home insurance do you really need? The minimum coverage may suit some homeowners, but most need additional types of coverage that the minimum polices do not include. So what are the types of coverage home insurance policies typically provide, and how do you determine how much home insurance you really need? Do I Need Disaster Insurance? While disaster insurance…
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What Is Forced Place Home Insurance?

Unless you are very lucky, you probably have a mortgage on your home.  Your mortgage company, also known as a lien holder, has a vested interest in the protection of your home.  If you fail to carry he correct homeowner's insurance and a loss occurs, their monetary loss will be much greater than yours.  This is the reason the lien holders require that you carry homeowner's insurance.  You won't be able to close on a purchase without it, and if it lapses, your lien holder will step in.   Force-Placed Insurance!   Force-Placed insurance is a policy that your lien…
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Auto Insurance Discounts

You probably hear a lot about auto insurance discounts; television commercials for various companies strongly advertise all the discounts they have available. Most insurance companies do have many ways you can qualify for better rates, and some of them are better known than others. Although you won't qualify for all of the discounts, you can make certain you are getting all the appropriate discounts on your premium. Multi-policy Discounts Insurance companies want to get as much of your business as they possibly can, so they offer good discounts when you add more policies to your account. Multi-policy discounts can include…
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Understanding Health Insurance

Health insurance can be complicated; there is no doubt about that. While it is difficult to understand all the details of your health insurance policy, there are a few terms you should familiarize yourself with to make it easier to read and understand your policy. These basic terms will help you to shop for and make sense of your health coverage, so take a minute to learn and understand them. Copay And Co-insurance This is the amount you are expected to pay when you visit a doctor, go to urgent care, or to the emergency room. These terms are often used interchangeably,…
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If You Let Your Auto Insurance Coverage Lapse

If you let your auto insurance coverage Lapse it doesn't seem to be that serious of a matter on the surface. It is not only illegal to drive without insurance; it can also have much more serious consequences than a ticket for driving without insurance.  A lapse in auto insurance can have far-reaching results with the potential to affect your entire life.   Legal Aspect   All drivers are required by law to carry a minimum liability policy in order to get behind the wheel. This protects all of the drivers on the road by ensuring that in the event of an accident, the…
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Keep Good Records For Your Insurance

You have homeowner's insurance to protect your home and everything in it from an accidental and unexpected incident that causes a major loss. If something catastrophic like a fire should occur, you will be called upon to provide a list of everything that was in the house, and in some cases, even proof. To protect the insurance company from paying out fraudulent claims, an insured may be asked for photographic or other evidence of valuable possessions. Here are some easy ways to be sure you keep good records of your home and its contents. Documented Evidence For expensive and valuable…
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The Right Health Insurance For You

Health insurance has changed dramatically in the last 3 years. Before The Affordable Care Act of 2010 (ACA)  aka Obamacare, people who had pre-existing conditions would not be eligible or be discriminated in premium hikes due to their health. Since the ACA, no insurer could charge or deny you coverage based on your current health or pre-existing condition.   The Affordable Care Act mandated plans both inside and outside of the Health Insurance Marketplace to offer 10 Essential Health Benefits to everyone without discrimination; emergency services, hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral…
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