Insurance

  • Flood Insurance: What Is It & How Does It Work?

    Your standard homeowners' insurance policy doesn't cover damage caused by floods. If a flood struck your area and destroyed your house, how would you cover the losses? If you hesitated while answering this question, it's probably time to consider flood insurance.  As the name suggests, flood insurance is a form of property insurance that covers your home and belongings for damage caused by flooding, including heavy rains, high tides, levee dam failure, and hurricane storm surges, among other sources of natural flooding.
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  • Worker's Compensation Insurance Assumptions To Avoid

    Workplace accidents can be extremely damaging and costly incidents. To protect businesses and workers from the expensive costs that treating workplace injuries can require, worker's compensation insurance is often mandated for businesses to carry. Assumption: You Have To Buy Worker's Compensation Insurance From The Government There are many states that will provide businesses with the option of buying worker's compensation coverage from a state agency or a third-party provider that is authorized by the state.
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  • 2 Tips For Selecting Home Insurance Coverage

    Are you in need of a home insurance policy but have never shopped for insurance before? If so, you likely do not know what kind of insurance you need. Here are some tips for selecting the right home insurance policy for you. Know The Difference Between Content And Building Coverage You will need coverage for two completely separate categories: content and building insurance. However, many new homeowners struggle to determine what is content and what is part of the building's structure.
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  • How To Get Commercial Transportation Insurance Coverage For Less Money

    If you run a commercial trucking or cargo transportation firm or you are looking to get one off the ground, one key business expense will be your commercial transportation insurance coverage. Protecting your commercial trucks and the cargo they carry while on the road is important if you want to ensure your business can continue on with no issues after an accident or incident that causes damage to your property. Keep reading to learn ways to lower the cost of your insurance premiums.
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  • What Are Some Of The Situations In Which You Might Need SR-22 Insurance?

    There is a lot of confusion out there about SR-22 insurance. Basically, SR-22 insurance is not actually a special type of car insurance; instead, it involves your insurance company filing an SR-22 form with the courts to provide documentation that you have insurance as a driver. If you've heard of this car insurance-related situation, you could be wondering if you are supposed to have an SR-22 filing. This is something that is typically court-ordered, and there are a few situations in which SR-22 filings are required.
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  • Why Business Owners Should Offer Employee Benefits

    In a perfect world, every company that has employees would offer an attractive employee benefit plan. Unfortunately, that is not always the case. Depending on where a person works, they may have an awesome benefit package, a mediocre benefit package that does not meet all their needs, or no benefit package at all. What some employers and business owners do not realize is that employee benefits are actually just as beneficial to the company as they are to the employees.
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  • The Fundamentals Of Commercial Truck Insurance Coverage

    If you have recently decided to become an owner-operator and drive your truck independently instead of working for a commercial carrier, one of the things you'll have to do is secure commercial truck insurance. In fact, most states require that you carry this coverage and, if your truck is still financed, your lender likely will as well. Understanding the key components of commercial truck insurance will help you get the coverage that you need.
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  • Top Reasons You Should Get Auto Insurance Now

    Imagine getting pulled over when you don't have car insurance. What do you think will happen to you next? Various things might happen. Foremost, your license can be suspended. Secondly, you can be given a ticket and fined. And lastly, your car may be impounded. Driving without insurance can lead to potential legal implications, which depend on the state you live in. If you don't want to be on the wrong side of the law, it would be best to buy auto insurance.
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  • 3 Reasons To Add Sewer Line Coverage To Your Home Insurance Policy

    Your home has a plumbing system that allows you to use water in all your plumbing fixtures. All the water you use exits the house through the main sewer line. It then goes to your septic tank or a city sewer system. If anything happens to your main sewer line, you could end up with a mess in your house. As a result, many insurance agents suggest adding sewer line coverage to a home insurance policy.
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  • Ready For Medicare? Two Reasons To Talk With An Insurance Agent

    Whether you have reached 65 years of age, are under age 65 but have certain medical conditions, or have been diagnosed with End-Stage Renal Disease (ESRD,) you now qualify for Medicare coverage. Medicare is a federally-sponsored insurance program that is specifically for the groups mentioned above. You might have received correspondence in the mail letting you know that you are eligible and think there is nothing else you need to do.
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