Sandra Cole

4 Types of Coverage to Add to Your Standard Homeowner's Insurance

Due to the value of your house, protecting it with an insurance policy can be among the most essential things that you do to protect yourself against sudden financial losses stemming from property damage. Yet, there are many problems that a standard homeowner's insurance policy will not cover, but there may be addendums that you can purchase to enhance the coverage your policy provides. Earth Movement Coverage For those that live in seismically active areas, earthquakes and landslides can be a threat that may strike your home at any time.

3 Reasons Stay-At-Home Parents Need Life Insurance Policies

Some people tend to believe that life insurance policies should be reserved for the individual in the family that is financially supporting the household rather than the individual staying at home. However, when you really sit down and think about it, the stay-at-home parent is just as financially supportive of the household as the only that is physically bringing in the dough. For example, the stay-at-home parent cooks, cleans, teaches, and takes care of the kids – all of which are considered jobs that earn people money.

3 Tips To Help You Determine If A Deceased Loved One Had Life Insurance

When someone you love passes away, it is wonderful if you had a close enough relationship with that person that they shared with you the details about their final plans and life insurance policies. However, it is not at all uncommon for people to just not talk about such matters. Therefore, you could easily be left trying to handle your loved one's final affairs without even knowing if they had life insurance or not.

The Good, Bad, And Ugly Of Basic Liability Auto Insurance Coverage

The requirement to maintain auto insurance in most states is a law that protects all drivers from facing an auto accident without getting paid for damages caused to their vehicle by another driver. However, having to maintain auto insurance is also an extra bill that individuals have to take on, which can be strenuous on the budget if you don't have a lot to work with already. In this situation, most drivers opt for basic liability coverage if they can.

Factors In Home Insurance

It is very important that you have good home insurance. There are people that try to save money each month by getting the cheapest insurance possible, but if anything happens to the home, it can come back to haunt them. So, it is best to get a good policy that protects you, your family, the home, and all your belongings in the home. However, you do not want the insurance to have a huge impact on your wallet.

Factors In Price With Regards To Auto Insurance

If you have ever been in a car accident, you understand just how important it is to have good insurance. If you had good insurance, you were protected, but if your policy was sub par, you most likely had to pay for a lot of the damage out of your own pocket. It can come back to really haunt you if you try to save money on a sub-par policy. However, some of the best policies are very expensive.

3 Reasons You Should Regularly Shop For Auto Insurance

In most states, it is legally required to have auto insurance on your vehicle before you can drive it on the road. So, while it is inevitable that you will pay for auto insurance, you do have a choice in one thing: the amount that you pay for the premium. You have car insurance to protect you financially in the event you are involved in a vehicle accident. Unfortunately, it doesn't always seem that way when you are paying your monthly premium.

Don't Ignore These Things While Buying Coverage

It's easy to focus on the "major" issues such as premium rates and coverage limits while shopping for auto insurance. Those are important things that you shouldn't ignore, but there are other issues connected with your insurance company that you should consider too (even though some are easy to forget). The next time you are shopping for coverage, keep these three things in mind: The Geographical Accessibility of the Carrier