Who Will Pay For My Auto Damage?

If a friend wrecks your car, who pays? At one time or another, we’ve all probably let someone borrow our vehicle. There is one simple rule- Insurance always follows the car, not the driver. While it’s not a good idea to lend your car out all the time, as long as the driver is legally

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A Quick Renters Insurance Guide

For those of you who rent, it’s important to make sure your personal possessions are protected. Here are just a few things to consider: 1) Amount of coverage- if your apartment burned in a fire, how much will it cost to replace all of your clothes, furniture, appliances, electronics, etc? Make an inventory list. 2)

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Auto Insurance With a Poor Driving Record…

HOW CAN I GET INSURANCE WITH A POOR DRIVING HISTORY? Here are a few suggestions that may help: 1) Find an Independent agent- an independent agent will have access to multiple insurance carriers.2) Consider some possible changes to your coverage- it may help to raise the physical damage deductibles on your Comprehensive or Collision coverage.

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What Type of Life Insurance Do I Need?

Just to keep it basic, answer 2 questions- What is it for and what is your budget? Life insurance is basically in 2 categories: 1) Term Insurance- Term insurance covers you for a specific period of time- 10, 15, 20, 30 years, with a level premium. If you are simply trying to protect your mortgage

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Is Your Auto Insurance Covering You “Full”?

Many people say or think they have “full coverage” on their auto insurance, but do you? First of all, if you are reviewing your insurance with your agent or getting a new quote, don’t say “full coverage”. That is too ambiguous and means different things to different people. So, here is a quick Auto Insurance

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Will Your Home Insurance Leave You Out In The Cold?

Is your home insured for enough? I know we all want to pay as little as possible for our insurance, but it’s always a good idea to review your home insurance at every renewal and make sure your dwelling coverage amount is sufficient. Most home insurance policies with extended replacement cost coverage for the dwelling

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Are Your Gutters Clean?

When it rains, it pours. And so can a clogged gutter. Cleaning your gutters is a simple home maintenance task that can prevent damage to your home. Overflowing gutters can often drain behind your fascia board and cause interior water damage to your walls or ceiling. So make sure your keep them clean and avoid

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3 Things To Do After An Auto Accident

Here are a few things everyone should do: 1) Call the Police (If someone is badly injured, call 911) 2) Get the name, number, vehicle, & insurance information of the other party. When the police arrive, they will typically separate the parties and you will not be able to get the information you need. 3)

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How do you decide how much homeowners insurance to get?

Replacement Cost

You know not to try to keep up with the Jones. But when Mr. Jones tells you that he got a “great deal” on his homeowner’s insurance by switching to one of the big name insurance companies with funny commercials, he piques your curiosity. Maybe it’s been years since you’ve reviewed your policy, so how

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A True Auto Insurance Claim Story

Insurance Claims

We all want to pay fair prices for auto insurance, but it’s sometimes hard to figure out what is reasonable and where the real value is. We get a lot of questions like this: Do insurance companies all offer the same “vanilla” product? Is price the only difference? To get the best insurance, do you call

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