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Natural Disaster Protection from Your Homeowners Insurance

How your home insurance will protect you from natural disasters. While you might assume that your homeowners insurance will protect against any danger that your home encounters, this isn't the case. All insurance policies have limitations and exclusions, and your homeowners insurance is no different. Here's what you need to know about your home insurance policy's ability to protect you against natural disasters and other damage events. Covered First, it's important to understand that Read More

Deciding If You Should File a Home Insurance Claim

Should you bother filing a homeowners insurance claim? While your homeowners insurance is there to protect your property, belongings, and personal liability, this does not mean you should use your insurance coverage to deal with every incident that comes your way. In fact, filing claims for minor damages or issues could actually harm you in the long run. Here are some things to consider when deciding if you should file a home insurance claim. Your Premiums Will Increase Every time you Read More

Understanding Term Life Insurance

Here's what you need to know about term life insurance. The majority of Americans recognize the importance of having life insurance coverage to care for their loved ones. However, many do not know where to start when it comes to securing this essential coverage. When it comes to life insurance coverage, a term life policy is a great option for most individuals. Here's what you need to know about term life insurance and what it can do for you. What is term life insurance? Term life Read More

Steps to Take When Insuring Valuable Gifts

Here's what you can do to ensure that your holiday gifts are covered. With the holiday season officially upon us, it's time to start thinking about what you will do if you receive a particularly expensive or valuable gift. While your homeowners or renters insurance does offer coverage for your personal belongings, this coverage is subject to certain limitations. If the value of your holiday gifts exceeds your policy's coverage limits, you will need to secure additional coverage to protect these Read More

Does Your Home Liability Insurance Offer Enough Coverage?

What you need to know about the liability protection offered in your homeowners insurance policy. As a homeowner, one of the most significant risks you face is the chance of a liability event taking place inside your home or on your property. While every standard homeowners insurance policy offers coverage for personal liability claims, this coverage is subject to certain limits. This, of course, begs the question: "Do I have enough personal liability coverage?" Here are some things to consider Read More

Secure Umbrella Insurance If You Have These Things on Your Property

When do you need additional liability protections? As a homeowner, you know you’re open to a myriad of risks. One of the most pressing threats you face is the risk of a liability issue taking place on your property. Luckily, you can protect yourself against this risk by securing excess liability coverage with a personal umbrella policy. If you have these items on your property, umbrella insurance is essential for you. Pets While you might assume that your furry friend is covered under Read More

Determining Your Need for Life Insurance

How much life insurance coverage do I need? While there is no decisive answer regarding how much life insurance you need, there are some general rules you should keep in mind when choosing your death benefit. Here are some things to consider regarding your life insurance coverage. Calculate Your Financial Obligations and Assets Your ideal life insurance coverage amount will be the difference between your long-term financial obligations and your assets. However, it can be difficult to get Read More