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Are You Covered? What To Know About Home Insurance Coverage

Did you purchase a basic home insurance policy and think that your home is covered against anything life can throw at you? If so, you may be in for a surprise when the time comes to finally make an insurance claim. Here are some things to verify your coverage so that you know if your home has the protection it needs. Flood Coverage Homes that are located in a FEMA-designated flood zone are required to have flood insurance.

Deciding On Auto Liability Coverage: What You Need To Know

Auto liability insurance is one of the most basic types of coverage you can have on your vehicle. In fact, across the United States, you are legally required to carry this type of insurance in order to drive on public roads. Still, nobody wants to pay for more coverage than they need--so taking the time to fully understand auto liability coverage will help you decide on the right amount for your needs.

4 Mistakes To Avoid When Shopping For Motorcycle Insurance

Whether you've recently purchased your first motorcycle or plan to do so in the near future, one important fact remains: you're going to need motorcycle insurance coverage not only to remain street-legal, but to protect yourself on the road as well. If this is your first time shopping around for motorcycle insurance, however, there are a few common mistakes you'll want to avoid throughout the process. Paying For Coverage During the Off-Season

Why Your Business Needs First-Party Cybersecurity Insurance

If your business stores large amounts of sensitive data for clients, then you can't afford to operate without first-party cybersecurity insurance coverage. Here are some of the ways your cybersecurity coverage can help with: Notifying Clients It is your responsibility to notify your customers about any data breach that may affect their information. In fact, one of the most common blames that businesses face when dealing with cybercrime is the delay in notifying affected third parties.

Beyond The Obvious: Other Forms Of Insurance Coverage Your Business May Need

As a prospective businessperson, you have probably heard of commercial insurance coverage such as general commercial liability, commercial auto insurance, property insurance, and workers compensation insurance. These are some of the well-known insurance coverage for businesses, but they are neither the only ones nor the most important ones. Here are other forms of insurance coverage to consider for your business: Loss of Business operations This coverage protects you from losses you may experience if you have suffered some form of property damage and you can't continue with your business operations for some time.

Want to Buy Insurance Wholesale? Qualifying Factors

Buying wholesale is something everyone looks for. Most people do not even know that you can buy insurance wholesale. To be fair, it is not exactly insurance for everyone, which is why you may not have heard of such insurance products. You can pursue wholesale insurance, if you want, but there are some qualifying factors. Yes, there are criteria involved before you can purchase wholesale insurance, although the criteria are quite different from regular-priced insurance products.

3 Reasons You Do Need Business Insurance As A Home-Based Writer

Your writing career has flourished and it seems your dreams of being a full-time, at-home writer are coming to fruition. This is a time for celebration, but it is also time to start taking your writing career seriously, more like a business. People who have home-based business models often assume that there is no need for business insurance, especially those with most of their interactions being online or by phone like writers.

4 Things Your Insurance Agent May Ask About Your Car

If you are getting ready to sign up for an auto insurance policy, you probably want to ensure that you are prepared to answer the agent's questions so that you can get a quote and get signed up without any issues. Therefore, you could be wondering about the types of questions that you will be asked. For one thing, your insurance agent will probably want to know a few things about your car.

Why It Doesn't Pay To Undervalue Your Home For Insurance

When you decide to apply for contents insurance, you will be asked to value the contents of your home so that you will have a necessary cover if you ever find yourself in a situation where you need to make a claim. In case of a fire or a break-in, valuing the contents of your home properly is very important. If you undervalue your belongings, you will not get enough money from your home insurance company.

Shocked By Rate Increases Once You Hit 65? Here's How Senior Drivers Can Keep Their Auto Insurance Premiums Affordable

Although auto premiums start out high when you are a teenager and then decrease slowly, they begin to rise slightly again when you are in your 60s. The reason for this is that older drivers get into more accidents than middle-aged drivers and their accidents tend to result in more serious injuries, resulting in higher claim costs. In order to cover this, insurance companies will raise the premiums of older drivers.