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November 03, 2014

Homeowners Insurance: Protect your Investment

Buying a house could be one of your most expensive investments. It may have even taken years of preparation and evaluation especially if you are just starting a family.Purchasing Homeowners Insurance may be expensive but is absolutely a necessity in protecting your home and your belongings.

There are various types of homeowners’ insurance policies and evaluating your current financial status can also help you decide in purchasing coverage for your insurance. Know the details of your coverage as well as what is not covered. This way you can prepare for unforeseen events and set precaution to those that are not included in your policy.

Conduct a home inventory of your belongings and valued possessions. It would be easier for you to claim losses if your assets are well documented and up to date. Ideally, a yearly inventory is recommended the same time or before renewing or updating your insurance policy.

Although Homeowners Insurance is quite costly, there are ways in lowering your premiums such as maintaining a security system and installing smoke alarms in your home. There are also senior discounts that are provided to homeowners over 50 years old.

Moreover, if you are planning to purchase additional insurance coverage, your insurance company could provide discount for the package. Discuss this with your insurance adviser and get a quote of what would best fit your needs and budget.



Secure Your Legacy, Insure Your Business.

Not all business owners were born with a silver spoon. As you might be well aware of, most worked their way up on rugs to riches context. You have to have the sturdy will to succeed, skill, talent and love for your craft, and most of all, unceasing support.

As an entrepreneur, it is inevitable to take risks especially if it is expected to produce positive results for the company. In making that decision, you are not only risking profit, but also the years of hard-work that you already put in establishing your chosen trade. Insuring your business is not a risk. It is securing the continuity of your enterprise as we back you up in contingency plans.

Your business is what you do for a living, your passion and your legacy. To build a solid structure and foundation, it is always good to take precautions and avail oneself of every available option at minimal costs.



Auto Insurance: Deciding On Your Coverage

Driving a car requires insurance whether you’re purchasing it for your personal use, renting it, or lending to someone else. There are six basic coverages for auto insurance. Most states would require you to buy some, but not all, so deciding on which auto policy to purchase can also depend on how you intend to use your vehicle.

For example, if you’re planning to use it personally for your family, Medical Payments or Personal Injury Protection (PIP) and Uninsured and Underinsured Motorist should be on your coverage.

Depending on the location of your usual route, Bodily Injury Liability and Property Damage Liability coverages should also be taken in consideration.

Furthermore, since cars are the second most expensive investment most people have, first being their home, insuring it for Collision and Comprehensive should also be on your list.

If you’re always out of town and a frequent car renter and do not have auto insurance, the car rental company will require you to purchase insurance at their rental car counter. However, if you do have existing coverage, you can call your insurance company to check which of your current coverages can be applied on the rental car.

You can learn more on auto insurance coverage and policies on this link :

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