There are seven general types of home insurance policies under the industry standard Homeowners 2000 Program, ranging from HO-1 to HO-8 (there is no HO-7) as of 2014. Perils covered under HO-1 policies are very narrow, and they are not sold in all states. HO-2, HO-3 and HO-5 are the…
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5 Household Items You Should Insure
You probably don’t think about it until happens. How many assets do you own that are high-value items either in terms of monetary or sentimental value? Your homeowner’s insurance doesn’t cover everything you own and the items it does cover are only partially insured if they’re high-priced items. Here are…
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Common Home Security Mistakes
If you and the guy who wants to steal your television sat down to shoot the breeze, what would you ask him?The chance to pick a burglar’s brain could certainly give you some ideas for home security upgrades, but it’s not a very common opportunity. So, we created some fictional…
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Auto insurance rates in families with teen drivers
Parents are paying premiums up to 71 percent higher in the state because of these younger motorists. Parents of teen drivers in Texas are watching their auto insurance premiums skyrocket as they add their adolescent children to their policies, causing them to have to pay an average of 71 percent…
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6 Things That Spike Your Auto Insurance
You may already know the importance of shopping around to score the best rate on your auto insurance premiums, but did you know that certain factors (or the absence of them) could cause your insurance premiums to rise? To understand what makes your insurance premiums spike, it helps to understand…
