If you're about to purchase a home, you'll be making a big investment. This can be an exciting time and you're likely looking forward to getting settled into your new space. You don't want to forget all of the important details as you make your way through the home-buying process. One of the essential needs that shouldn't be ignored is purchasing homeowners insurance. This coverage can protect you if your home is damaged or a disaster strikes and your home is impacted.
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If you own a home and you haven't changed your homeowners insurance in a few years, it may be time to update your policy and to get a new quote. There are a lot of things that can affect the price of your policy, and you want to make sure you have the right amount of coverage. Here are a few things you want to think about since you've purchased the house, and things you want to talk with an agent about.
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With more motorists hitting the roads during Thanksgiving week to visit family and friends, the holiday is a dangerous time for travel. Increased traffic on the highways and roadways increases the risk of motor vehicle accidents.
While an auto collision may increase your insurance rates, a traffic ticket or fender bender can do the same–besides getting your holiday season off to a more costly and stressful start. Therefore, it helps to know what factors contribute to Thanksgiving crashes and what you can do to avoid them.
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There are some situations where you may be denied a claim on your homeowner's insurance, either because you were reckless, or because the insurance company views it as your fault. Two particular situations, arson and break-ins where you left windows open or doors unlocked, might result in denied claims. Here is why.
Arson: Denied
Arson may be a deniable claim under your homeowner's insurance. It may be because it is not a covered incident, like floods and a lack of flood insurance.
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One of the most important types of insurance policy that you can consider is a hybrid long-term care insurance, mostly because of the many ways in which it can benefit you. This type of policy is intended to help you pay for care in the event that you develop a debilitating disease or illness. Listed below are two reasons to consider a hybrid long-term care insurance policy.
Benefits Are Not Wasted
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