Insurance: A Guide for the Masses

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INSURANCE

What Is Flood Insurance and What Does It Cover?

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Your main homeowner’s insurance does not cover water damage from floods. Flood insurance is something you need to add to your insurance coverage. Even if you don’t live near a body of water, you may still benefit from flood insurance. Here is more information about flood insurance, what it covers and does not cover, and when it is usable. What Is Flood Insurance? Flood insurance is a separate policy from your homeowner’s insurance. Read More»

Misconceptions About Fire Damage Insurance Claims That Cost Homeowners In The Long-Term

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A fire can be devastating to everyone involved, and the effect on your house can be detrimental. At some point, a fire damage claims adjuster will be sent from the insurance company to assess the damage to report back to the insurance company. Here are a few misconceptions about this process that can be problematic. Misconception: It is okay to wait a while to schedule a visit from the claims adjuster. Read More»

Some Information On Liability Insurance For Small Businesses

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As a business owner, you need to make sure you protect your business and your assets. No matter how well you run your business, things can come up that can put you at risk of being sued. This is where liability insurance can help, and in order to have a better grasp on what liability insurance is and how it can protect you, you want to read this article that covers some of the most commonly asked questions and answers on the topic. Read More»

3 Home Upgrades That Will Alter Your Home Insurance Coverage

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Many homeowners will purchase home insurance and then tuck their policy documents away and never look at them again until a disaster occurs and a claim needs to be reported. However, it is actually very important that you periodically review your homeowner’s coverage. Take a look at the policy terms, particularly after considerable upgrades have been made to your property since additional coverage may be necessary. Keep reading to learn three different home renovations that may require an alternation to your homeowner’s insurance needs. Read More»

How Can a Flood Damage Claims Adjuster Help You?

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Flood damage is unpredictable and unavoidable. It’s important to have flood insurance if you live in an area that’s prone to hurricanes and flash floods. However, you may also need the assistance of a flood damage claims adjuster if you experience flooding. A flood damage claims adjuster is a professional unaffiliated with any insurance company. For that reason, they can work as a liaison between you and your insurance company. Here are four ways a flood damage claims adjuster can help you: Read More»

Can You Receive Workers' Compensation For Carpal Tunnel Syndrome?

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When people think of using workers’ compensation, they often imagine that it is only used for major workplace injuries that leave you with big hospital bills. However, it is possible to use it for smaller injuries that develop over the years from performing a job. Here is what you need to know about how you can use workers’ compensation for carpal tunnel syndrome. What Workers’ Compensation Is It helps to understand what workers’ compensation is when talking about it in regards to an injury. Read More»

What Happens If You Don't Buy Business Insurance?

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Running a business takes a lot of time, money, and hard work. There is so much involved and many new business expenses to consider. You may be starting to pay for these expenses and may be wondering if some of them are even necessary. One purchase that most businesses choose to make is business insurance. There are different levels and types of coverage that can help protect your business and your investment. Read More»

3 Things to Know if You Need High-Risk Auto Insurance

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If you have a poor driving history, a history of claims, or DUI charges on your record, you are probably a high-risk driver. High-risk drivers pay higher rates for insurance coverage, but there are still ways you can save money on coverage. If you fall into this category, here are three things you should know as you shop for high-risk insurance. 1. What It Means to be a High-Risk Driver Read More»

Truckers Insurance Types You Should Consider

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If you are a trucker, whether you are an owner-operator or work for a company, you need trucker insurance. It doesn’t matter what type of truck or rig you drive. You will not be allowed to drive a truck on the road without it. However, there are different types of liability insurance depending on whether you are a driver or run a trucking company. Plus, many other options are available for other unique circumstances. Read More»

Keys For Getting The Best Auto Insurance Plan

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The auto insurance field is currently valued at approximately $282 billion, and there are plenty of different companies that specialize in this service. By contacting a few different auto insurance providers, you can protect your vehicle and yourself every time that you drive. This will help you to take care of your medical needs and will also help you to look after the longevity of the vehicle that you depend on. Read More»