Some insurance policies do not cover damage to your home or belongings due to fire. In this type of situation, it is imperative that you buy additional coverage. However, before doing so, you need to consider a few aspects that will help you choose between the different policies you find.
Reimbursement Type
The first aspect to consider is the type of reimbursement the policy offers for damaged items. Most policies have very specific guidelines on how it determines the cost of the items you need to replace.
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Statistics show that 2,000,000 homes are burglarized throughout the United States each year. Many homeowners opt to invest in insurance that will protect them against financial loss in the event a burglary takes place, but simply having a policy in place may not be enough to ensure you are fully protected.
Here are three home insurance tips you should follow to make sure your belongings are fully protected in the future.
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As a homeowner, having home insurance is a must. Without insurance, any damage done to your home will need to be paid for out of your pocket. You never know when damages can happen and how extensive they may be. It's important that you purchase insurance that will cover you for enough of what you need in case of total reconstruction of your home. However, basic home insurance won't be able to cover these four things:
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You are legitimately proud of your newly-licensed teen driver, but along with the relief at no longer being a chauffeur there may come a shock when you view your new automobile insurance premium. Teen drivers are costly to insure, so read on for ways to lower your insurance costs when adding a teen to your policy.
The right car and the right driver.
The choice of vehicle that your teen drives makes a great deal of difference in your insurance rates.
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In an ideal world, you would pay your auto insurance premiums promptly, and your carrier would settle your claims as soon as you submit them. Unfortunately, things do not always go as smooth as that; disagreements arise and pit insurers against their clients. Here are three examples of common disagreements, and how to prevent them:
Car Valuations
After a collision, your insurer will be interested in your car's value just before and after the crash.
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