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Insurance Basics: Everything You Need to Know

Throughout the years, I have learned a lot about insurance. I know others find choosing insurance options an overwhelming experience, but I greatly enjoy looking into all of my new policy options and tinkering with them to form the right policy for me. I recently learned about pet insurance, and I signed both of my dogs up for coverage. I never even knew pet insurance existed until my sister told me she recently had her cat insured. I never thought I would need the policy, but signed up just in case. Soon, my dog injured his paw and I was very grateful I had signed him up for it. The insurance company covered the large veterinary bill. I am eager to share what I know about insurance with others who need the advice! Come back soon for new posts!

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4 Faqs About Business Insurance From New Policy Holders
In almost every type of business, it is important to carry business insurance. This type of insurance covers liability, ensuring that if you cause damage to a customer or their property, you do not have to pay. As you go about purchasing this type of policy, you will probably have some questions -- including the following. 1. How much coverage do you need? That depends on what services your business offers and the risk of you causing damage with those services.

Insuring A New Home? 3 Things To Consider
Purchasing a new home is a major financial commitment. When you go to buy a new home there are a lot of things to consider, including purchase price, finding a good deal on a mortgage loan, and any improvements that may need to be made before moving in. During this time it's easy to drop the ball when it comes to certain aspects of home ownership. One of the things that you may find yourself neglecting until the last minute is home insurance.

Why Insurance For Old Homes Home Cost More, And How To Lower The Costs
If you have been getting homeowners insurance quotes for an older home, then you have probably realized that insuring an older home is both difficult and expensive, and with good reason. Here are some of the reasons your older home seems to be attracting unreasonably high premiums: They Have Outdated Systems Plumbing systems, heating systems, cooling systems, and electrical systems, among others, all deteriorate with time. When they deteriorate, they become both ineffective and dangerous.

Employee Theft: Proactive Ways To Deter This Common Problem
While it can be difficult for any business owner to think that any of their employees would attempt to steal or defraud their company, it happens far too often. In fact, recent statistics on employee theft show just how common the problem really is. According to research conducted in April of 2017 by Statistic Brain, 75% of all employees are believed to have stolen from an employer at least once. Even more shocking is that one-third of all business bankruptcies are directly related to employee theft.

How Do You Protect Your Small Business From Contracting Fraud?
If you own a small business, you may hire contractors to complete some of your company's jobs. Although you may expect the contractors to complete the work properly and on time, you may need some security that they'll do so. You can do several things to protect your company from fraudulent practices, including these below.  Investigate the Contractors Contractors can work for themselves or for a large company, such as a temp agency or employment firm.

2 Options That Can Help Lower Your Auto Insurance Rates
Lowering your auto insurance rates is a great way to save quite a lot of money over time, but it can often be tricky figuring out exactly how to go about getting those lower insurance rates. Listed below are two options that can help you lower your auto insurance rates. Consider Insurance Costs When Buying A New Vehicle The easiest way to lower your auto insurance rates is to make sure that you keep insurance costs in mind whenever you are considering getting a new vehicle.

Things To Keep In Mind As You Shop For An Insurance Policy For Your Car
The type of auto insurance that you carry for your vehicle is one of the more important forms of financial protection that you can carry. Yet, poor information concerning auto insurance can lead to individuals making major mistakes and errors when buying these policies. This can lead to serious financial consequences if you ever find yourself needing to file a claim. Will Auto Insurance Cover Fire Damage To Your Vehicle?

Four Reasons To Share An Auto Insurance Policy With Your Siblings As A Young Adult
As a young adult, there is a high likelihood that you are still going to be figuring out life. It is also common to still be working your way towards making enough money. If you are a young adult who is struggling monetarily, it is ok to get policies that are helpful. Getting by with help from other family members who may need help as well will offer you some financial reprieve.

3 Things To Know About Business Interruption Insurance Coverage
When you run a business, one of the ways you can protect it is by purchasing the right types of insurance policies and types. While there are a lot of options out there, one important type you should consider buying is business interruption insurance. This type of insurance is great for almost any type of business, and it offers a lot of benefits if something destroys your business and prevents you from operating.

Circumstances Under Which Minimum Auto Insurance Coverage May Be Enough
Every state sets its own auto insurance limit, with some being as low as $30,000 bodily injury for everybody injured in a single accident. Most people agree that these limits are pretty low for a typical motorist. For example, if you are found liable for an accident involving several vehicles and several people are injured, the bodily injury is likely to be way more than $30,000. This is why it's advisable to exceed your state's limit.