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The Reasons Why Home Insurance Matters
Serious storms can plow through the area and cause tremendous damage to homes. Hurricane Katrina and Hurricane Sandy are two modern examples of times when storms ruined homes to varying degrees. The right home insurance policy can help you to rebuild your life after such an incident. For example, you may need to have an entirely new home built, or you may have to redo one of the floors. That will depend upon how bad the damage is. Make sure that you check to see what type of weather conditions are covered by your policy.
Floods, Fires and Home Insurance
Depending upon where you live, your home might be susceptible to floods. If you are just starting to look at properties to purchase, you should check to see if the home is in a flood zone. In the event that it is, you should confirm with your home insurance provider to see if flood damage is covered. In the event that it is not, consider purchasing separate flood insurance. The damage that a flood can cause is often too expensive for people to pay for out of their pockets. Fires are another serious issue that home insurance can help with. You may also be prone to fires if you live in a certain area.
Break-ins and Vandalism
It is an unfortunate fact that evil individuals might do damage to the outside of your home. They may also break in and steal valuables. Home insurance can help you to recover from these damages. For example, the insurance policy might provide you with the necessary coverage in the event that someone sprays graffiti on your house. It can also help you to pay to replace items that are stolen during a break-in. You should see what type of damage to the property and to the house the insurance policy covers in the event that someone else causes harm.
Injuries on Your Property
People may become injured on your property. They may fall in the driveway and try to sue you for their medical bills. Check with the home insurance policy to see if you are covered in the event that someone is injured in your home and on your property. Some insurance companies will not provide insurance if you have certain breeds of dogs because they think these dogs will bite others. Make sure that you procure a policy that covers your furry friends. Sometimes, a cruel past owner may have trained your current dog to bite.
Home insurance is important because it can provide you with the necessary financial assistance in the event that a disaster strikes.
Car Insurance Basics: What Does All This Stuff Mean?
Let’s face it. Most of us have never actually read our car insurance policy contract. Even if we did, there’s a pretty good chance we wouldn’t understand it. For those shopping for automobile insurance, determining what type of car insurance coverage you need and don’t need is tricky. Below are some of the common car insurance coverage options and what each means, plain and simple.
Similar to collision coverage, except it provides coverage for specific incidents other than collision (accidents with animals, hail damage and falling objects).
Property damage coverage
Car insurance companies will offer varying levels of property damage coverage in regards to how much protection you want in the event you cause an accident or loss. The insurance company will cover any property damage you cause up to the specified policy amount for damages to other vehicles or even fixed property. Be sure you have enough coverage here. If you cause damage above your coverage limits, you could be held personally responsible for paying the difference.
Medical Payments/Personal Injury Protection coverage
Some states require car insurance companies to cover medical bills as a result of any injuries. This coverage may take precedent over private health insurance you have.
If you purchase this coverage, your insurance company will cover the cost of a rental while your vehicle is in the shop or a total loss as a result of a claim. Every car insurance company has different levels of coverage.
Each state offers different options for car insurance. What is available in one state may not be available in the next state. It is always best to speak to a licensed professional in your state for clarification regarding which car insurance options are best for you.