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Potential Risks With Short Term Rentals That Insurance May Cover

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Many property owners provide short-term rentals. Some owners rent out their homes for extra cash, while others do it as their main business. Some people rent single rooms, while others rent out entire homes. Either scenario creates risks for the property owner. Below are some of the risks. Fire Damage Accidental fires are possible with short-term tenants. For example: A tenant might trigger a fire outbreak if unfamiliar with a heating system, such as a fireplace.…

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How Does An Indexed Universal Life Insurance Policy Work?

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Are you interested in getting a life insurance policy, but confused by all the different products that are out there? You may know about term and whole life insurance policies, but want to learn more about an indexed universal life insurance policy (IUL). Here are the basics of how this type of policy works.  IUL Works For Your Retirement One misconception about life insurance products is that they only pay out to your beneficiaries after you pass away.…

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How Your Car's Age Affects Your Car Insurance Rates

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When it comes to calculating your car insurance rates, insurance companies consider multiple variables. One of these variables is your vehicle’s age. Insurance rates for older cars can be cheaper or more expensive than newer models, depending on the circumstances of individual car owners. Read along to find out how your car’s age could affect how much car insurance premiums you will be required to pay. It Affects Your Vehicle’s Value…

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4 Pro Guidelines You Will Find Useful When Looking For Auto Insurance

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Getting the right insurance policy for your vehicle can be challenging. It becomes even more complicated when you are a first-time vehicle owner or when you’re buying insurance on your own for the first time. However, you can follow some simple tips and guidelines to help you choose the perfect product from the options in the market. Here are the top four guidelines to think about when searching for an auto insurance policy.…

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Types Of Business That Need Commercial Auto Insurance

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Most states require commercial vehicles to be insured, and carrying insurance is also an important way to protect a business’s vehicles. If you run any of the following businesses, your company needs commercial auto insurance. Trucking Businesses Trucks are some of the most common commercial vehicles, and they require a lot of insurance coverage. Not only are trucks themselves valuable, but they also can carry large loads that are worth a lot.…

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Basic Things To Know About SR22 Car Insurance Before Buying

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If you have become a high-risk driver lately because you were convicted of several traffic violations or got a DUI, you may be asked to get SR22 car insurance. Unfortunately, this isn’t a common form of coverage for all, so you likely don’t know much about it.  Taking time to familiarize yourself with the basic details will make the process easier. This post will answer common SR22 insurance questions to ensure you make an informed decision.…

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4 Consequences Of Not Taking A Health Insurance Policy

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Despite more Americans seeking health insurance, others still ignore the need for health insurance even after the Affordable Care Act allowed citizens to get a government-subsidized healthcare plan. There are numerous consequences you can experience if you do not get a health insurance plan. Sinking in Medical Debt Without getting health insurance coverage, you’ll need to pay for your medical expenses out of pocket. Therefore, if you develop a serious health issue that needs emergency care or surgery, the treatment plan will be expensive and could result in bankruptcy.…

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3 Tips for Selecting Homeowner’s Insurance

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If you own a home, there’s a good chance that it is your most valuable asset. But, even if it isn’t your most valuable asset, you still want to make sure you have ample protection. Homeowners insurance is the best way to protect your property. However, finding the best homeowner’s insurance policy is what challenging than many expect. There are a lot of things to keep in mind when selecting a policy.…

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Why Home Coverage Rates Increase

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Home insurance is essential to meet financial losses when a disaster strikes. However, with time, you might notice that you are paying higher premiums than before. When you welcome a new fiscal year, coverage rates go up due to several reasons. Learn why home insurance payments can increase dramatically. Filing Tons of Claims When you file a lot of claims within a short period, you attract pricey premiums. Typically, an insurer flags you as a high-risk customer.…

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Top Reasons To Work With An Insurance Broker To Buy Business Insurance

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Building a business from the ground up can be incredibly exciting and rewarding. But, when you’re a business owner, you need to be prepared for the unexpected. One way to protect your company is by having the right types of business insurance policies. The type of business insurance policies that you will need will depend on the type of company that you own. Most companies will need at least general liability insurance, commercial property insurance, and business income insurance.…

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