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A Closer Look At What May Or May Not Be Included In Your Homeowners Insurance Policy

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When it comes to the coverage that their homeowners insurance policy provides, many people either fail to realize that certain perils are excluded or fail to realize they have coverage for specific situations. This can lead to a variety of issues such as a failure to file a claim for covered expenses or worse yet, finding that you do not have coverage for the specific damage done to your home. In this article, you will be able to learn more about some of the coverage that most homeowners insurance policies either include or exclude. Read More»

Why You Should Consider An Indexed Universal Life Insurance Policy

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Have you been considering a life insurance policy so that you can give your family financial protection, but you don’t like the idea of throwing your money away to premiums that you may never get back? Then you may be curious to learn about indexed universal life insurance policies (IULs). Here are a few benefits that they can provide. You Can Grow Your Money Risk-Free When you invest in an IUL, be aware that a small amount of your premiums will go toward a death benefit. Read More»

3 Ways To Save Money On Your Auto Insurance

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Most people are looking for ways to save money and cut spending these days, and your auto insurance bill is a great place to start. Auto insurance is often one of those bills you never think about, just paying the same amount each month without considering if you are paying too much. Luckily, auto insurance is also an expense that is relatively easy to reduce. Here are three ways to save money on your auto insurance quote and ultimately your rate. Read More»

Fundamental Medicare Insurance Facts You Should Know

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The key to making informed decisions regarding Medicare insurance is to understand how this program works. Unfortunately, most people don’t know the primary facts even though the program is serving millions of seniors, and the number keeps growing by the day. The truth is that Medicare isn’t simply a government hand-out citizens accept after attaining 65 years — it is something they earn. Below are the top facts you likely don’t know about Medicare insurance. Read More»

5 Things You Need To Understand About Commercial Auto Insurance

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If you are a business owner and you use vehicles to conduct company business, you need a commercial auto insurance policy. A commercial auto insurance policy is vital for businesses that drive vehicles at all for business purposes. The right policy will provide you with the protection you need to keep your business running smoothly and to help ensure that you have the protection you need, no matter what happens.  Read More»

3 Advantages Of Group Health Insurance

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Many companies offer group health insurance for their employees, which is beneficial for everyone. Employees are less concerned about medical bills, and the employer gets productive, healthy employees. If you would like to know more about why group health insurance is a must, check out these three advantages. 1. Lower Premiums                The leading benefit of group health insurance is reduced premiums. Every type of insurance requires you to pay a monthly premium to help cover the costs of the insurance. Read More»

Why Your Company Might Want Or Need To Hire A Public Claim Adjuster

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Was your commercial building recently damaged and you are going to have to reach out to your insurance company to file a claim? Before you actually move forward with that decision, there’s another phone call you might want to make and that’s to a local public claim adjuster. A public adjuster can be hired to assess the damage and write an independent report that could end up being to your benefit. Read More»

How To Know If You Need Commercial Truck Insurance

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Trucking insurance is a must for professional truck drivers who are owner-operators as well as companies that operate fleets of trucks. The better you understand the ins and outs of commercial truck insurance, the wiser choices you can make when purchasing trucking insurance to protect your business and your livelihood. What Are Deductibles and Why Are They So Important? Trucking insurance companies view deductibles as your commitment to safe driving practices. Read More»

Top Highlights About Getting SR22 Car Insurance: What To Expect

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While a common requirement across different states, many people get caught up in the misconceptions and myths around SR22 insurance. Here is a breakdown of what you should know about SR22 car insurance, which should guide you on how to go about when faced with this requirement. Know Where to Get an SR22 Not all auto insurance companies will issue an SR22 car insurance certificate. The certificate is a requirement if you are considered high-risk, and some insurers choose not to cover high-risk drivers. Read More»

6 Key Factors That Impact Your Car Insurance Rates

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If you own a vehicle, it is essential to know how your premium rate is calculated so that you can take the necessary steps to keep your premium rate as low as possible. Various factors impact your car insurance rate, some of which are in your control and others that are outside of your control. Key Factor #1: Age Your age plays a significant role in what you are charged for insurance. Read More»