Choosing Boat Insurance Coverage

What Insurance Does Your Contractor Need For An Extensive Outdoor Renovation?

Posted by on February 23, 2017

If you’ve recently decided that this year will be the year you undertake an extensive and long-anticipated landscaping project — from building a larger deck or patio area to installing a koi pond or large garden bed — you may be wondering where to begin. The key to success when starting out on a large project is to begin planning early, and this can include applying for the necessary permits, having electrical and gas lines tagged, and reviewing your insurance coverage. But how can you ensure that your landscaping contractor...

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3 Things To Think About When Buying Insurance For Your Working Farm

Posted by on February 21, 2017

Looking for some insurance that will cover your working farm in case of a natural disaster or accident? Here are a few crucial things to think about when choosing which policy to invest in: Are Materials Included? More than likely, the insurance policies you consider purchasing will include farm buildings and equipment, but some of them may not cover materials such as animal feed, building supplies, and gardening tools. When comparing prospective farm insurance policies to one another, it’s important to take a good look at the fine...

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Home Insurance Issues To Think About When Moving From An Urban To A Rural Home

Posted by on February 13, 2017

If you are planning to move from an urban to a rural dwelling, expect your home insurance rates to change. The changes can take any direction, but the following factors associated with rural homes mean your rates are likely to increase: Bigger Houses A home’s square footage is one of the factors that determine its insurance rates. The bigger your house is, the costlier it is to rebuild or repair after damage; bigger houses also tend to hold more contents (that are also covered by home insurance). Rural houses tend to be bigger and have...

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What Affects My Home Insurance Rates?

Posted by on February 7, 2017

Many factors go into finding an affordable homeowners insurance quote. Here are some of the biggest factors that affect rates. What You Base Your Home’s Value On One big determiner in your insurance quote is how much value you claim for your home’s structure. Some people insure their home for the value they paid for it. Others take a more detailed look at how much it will actually cost to rebuild the home if there is an accident that destroys it. So, you may be insuring more or less than the value you paid for the home. This is a...

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3 Tips for Getting the Best Homeowners Insurance

Posted by on January 18, 2017

Homeowners insurance is an essential purchase when you own a home. Without homeowners insurance, you will not be protected financially in the case of large amounts of damage to your home. You never know when something like this can happen, so it’s better to be safe than sorry. You may even be required to have homeowners insurance by your mortgage lender. To ensure that you are making the most of it, you should know these three tips for getting the best homeowners insurance policy possible:  Understand What is Covered: You...

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Saving On Homeowners Insurance Doesn’t Have To Be Hard – Try These 3 Tips For A Big Discount

Posted by on January 10, 2017

If you believe that all homeowners have to worry about is paying the mortgage and mowing the lawn, think again. Not only are homeowners responsible for expenses like trash removal, real estate taxes, and water service, but they also have to protect their investments. Your mortgage company will want to ensure that you maintain a homeowners insurance policy so that your home will be safe in case a major catastrophe hits. To get the best discount possible on your homeowners insurance premiums, try these inventive ideas. 1. Take Extra Security...

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3 Things You Need To Know About Filing An Insurance Claim

Posted by on January 10, 2017

If you get in a car accident, it is important that you know what to do so that you can get the money that you deserve after the accident. Most insurance companies are more than wiling to work with you to get your claim filed and fulfilled, but in some cases the person makes critical mistakes that end up hurting them later. Here are some things that you should and shouldn’t do when filing an insurance claim after a car accident. 1. Don’t Ever Leave The Scene Without The Other Person’s Insurance Information After the car...

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How a Car Accident Raises Your Insurance Rates

Posted by on January 6, 2017

Car-insurance companies are allowed to increase how much they charge after you have filed a car-insurance claim. However, when shopping for car insurance, if you want to factor the rate increase into which car-insurance provider you choose, it can sometimes be difficult to determine exactly what the rate change will be. Car-insurance providers are required to provide each state they insure with their rates and the system by which they determine how much rates will increase after an accident. In some states, the car-insurance providers are...

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Business Insurance For A Single-Person Business

Posted by on December 29, 2016

It’s becoming more and more common for individuals to start a business offering their personal skills as a service, or providing unique products to their audience. With these small, one-person businesses, it can be very important to get business insurance to protect the outcome of the business. Here is a guide to business insurance in these cases. Why Is Insurance Important? Business insurance may be especially important in the case that there is one person operating a business. You may not have a large amount of spare cash and time to...

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Thinking Of Starting A Business? Make Sure It’s Insured

Posted by on December 29, 2016

Starting your own business is a fabulous way to create independence for yourself and take pride in your work. But to protect your abilities to make ends meet off of your business, it’s wise to get business insurance from the very start. Why Do You Need Insurance? You may wonder why you need insurance right away. In fact, insurance is in critical need when you’re just starting out. When your business is not yet off the ground, any setback could have a major impact on your ability to keep going. For example, if you have some major...

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