The next time your insurance policy needs to be renewed, do not just keep the same policy in effect with the same company. It is important that you go over your policies and what your insurance needs are regularly. Often, things will change that you have not thought about that can make your premiums lower. In addition, your current company may have rate increases. If you call and tell them to just keep the policy intact, you will be billed the new amount and might get a surprise.
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When you are looking to buy a home, you will need to purchase homeowners insurance along with it, especially if you are going to have a mortgage from a mortgage lender. Lenders will usually require that you have homeowners insurance. However, you should still have homeowners insurance even if you own your home outright. This will protect you in the case of large damages or even if someone sues you because they were injured on your property.
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If you are like most women in the US, pregnancy will be an event in your life that happens at the same time you are holding a full-time employment position. Because being pregnant and having a baby can mean that you will be facing some time off of work, this can bring about a lot of questions. Thankfully, short-term disability insurance helps by paying you some of your lost wages while you have to be off.
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Trying to bring the cost of your auto insurance policy down? If you are and want to avoid minimizing your coverage at all costs, then there are a few effective and easy ways that you can reduce your bill.
Utilize Your Garage
It can be easy to fall into bad habits and to use your garage only for storage space. By not using your garage as a shelter for your vehicle, you could be paying more for your auto insurance policy if you are parking your car overnight on the street or other public area.
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If your home has suffered damage, and you need to submit an insurance claim, be prepared for the long-haul. Insurance companies are there to help you, but you need to know what you're doing every step of the way. To make sure your claim is paid, and that you receive the services you need, here are three steps you'll need to take.
Document the Damages
As soon as your home is damaged, you'll need to take pictures.
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