How Location Affects Your Rates Where your home is located is one of the biggest factors insurance companies use to calculate your rates. Homes in rural areas generally have lower rates than homes in urban areas. Urban areas tend to have more crime, which increases risk. Large metro areas also have more cars and traffic, […]
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Document the Damage One of the most important things to do after a home insurance claim is to thoroughly document all of the damage that was done. This documentation will serve as critical evidence when filing your claim. Take high-quality photos and videos of all affected areas, capturing the damage from multiple angles. Zoom in
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Hailstorms can wreak havoc on homes, leaving behind a trail of damage. But does your home insurance have you covered when the skies unleash their icy fury? Understanding the intricacies of coverage is crucial for homeowners. This article delves into the nuances of hail damage and its coverage under home insurance. Definition of Hail Damage Let’s start
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Purchasing a used car offers a cost-effective alternative to buying new, but it also raises concerns about potential future repairs and maintenance costs. This is where an auto warranty for used cars becomes a valuable investment. In this blog post, we’ll delve into the significance of having an auto warranty for used cars, how it
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Buying a new home is a significant investment, and ensuring that your investment is protected is crucial. One way to safeguard your home purchase is by understanding the warranty provided by your home builder. Asking the right questions about the warranty can save you from potential headaches down the road. Questions to Ask Your Home
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Backdating an auto insurance policy means changing the effective start date of the policy to an earlier date than when the policy was actually purchased. This makes it appear as though you’ve had continuous auto insurance coverage during the backdated period, even if you were previously uninsured for a stretch of time. People often want
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Unlike homeowners insurance, a home warranty covers the repair or replacement of major home systems and appliances. It acts as a service contract, typically lasting one year, offering financial protection against unexpected breakdowns due to normal wear and tear. How to Choose the Best Home Warranty Research Thoroughly The foundation of a solid decision lies in
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Having adequate home insurance coverage is crucial for landlords with rental properties. Unlike owner-occupied homes, investment properties face unique risks and exposures that require specialized insurance protection. As a landlord, it’s important to understand what standard home insurance policies cover and what key coverages need to be added. This guide explains the basics of rental
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Purchasing a new vehicle is an exciting venture, but the moment you drive it off the lot, its value begins to depreciate. In the event of an accident or theft, standard auto insurance may not cover the full cost of replacing your vehicle if it’s deemed a total loss. This is where Auto Gap Insurance
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Home insurance is a crucial component of safeguarding your property and belongings. Insurers often conduct home insurance inspections to assess the condition of a property and determine risk factors. However, homeowners may wonder whether they have the right to refuse such inspections. In this blog post, we’ll explore the intricacies of home insurance inspections, your
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