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14 hours ago · by · 0 comments

Types of Insurance Coverage

When you buy insurance, do you ask what the policy will cover? Perhaps not. In fact, most car owners who buy car insurance don’t take the time to ask the details of the plan they sign up for. Sadly, most of them end up disappointed whenever they get into an accident, and they expect their car insurance company to offer them help but doesn’t. They are told that their policy does not cover the help that they need, that’s when they regret not reading the policy at all.

If you don’t want to end up like the many others, here are the types of insurance policies and the coverage that they provide.

•    Bodily Injury Liability – it covers both injury and death claims filed against you in case you get involved in an accident, and someone else gets seriously injured or died. This is the coverage that you get when the work that you do puts your life and the life of others at risk. This is also the best coverage for those drivers who love the thrill of speed driving.

•    Property Damage Liability – this is the type of coverage that will provide financial assistance to those whose properties are damaged because of the accident you’ve been involved in. The liability coverage protects the other party; it is important that you get this one too.

•    Your insurance company covers Medical Expenses – All medical payments that need to be made to cover treatment for you and the people inside your car. Some companies refer to this as a personal liability coverage because it involves the owner of the car and everyone who was inside it during the accident.

•    Collision Coverage – this is the coverage that protects the car up to its current market value. This coverage involves a deductible, the amount that you will shoulder before the company gives you its share. While this is often optional, most lending companies require their borrowers to have collision coverage just in case.

Some insurance companies offer a variety of coverage programs that covers the other aspects of a possible car accident. However, the list above shows the essential coverage that you might want to consider talking about with your insurance provider. When you’ve got all these covered, you won’t have to worry about not getting enough help when the need arises.

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14 hours ago · by · 0 comments

Home Insurance You Shouldn’t Buy

If you’re in the market to buy home insurance, you want to make sure that you are buying the right one. Although you can purchase multiple insurance coverage for your home, it is still important that you buy the best programs with the best coverage. How do you make sure that you end up with the right one?

Insurance advisors often remind their clients that there is no one insurance program for home security that is a perfect fit for all. Sometimes the program that worked for a good friend may not be the program that will provide the best protection for you home. It is a must that you do your share of research and evaluation of your needs as well as the coverage that you want. From there, you can make a sound decision.

You must have been told time and again of the things you need from a home insurance policy, but you were never told of the things that should say their program is not the right fit. What type of home insurance should you not buy?

•    First, don’t buy insurance that covers less than the amount needed to rebuild or repair your home. It can be quite tempting to go for lower coverage because it means less monthly premium too, but it also means under insurance. The term under insurance itself defeats the purpose of having home insurance, to begin with. Remember that you are buying home insurance to get financial help in case your home becomes a victim of fire or theft. If your home in underinsured, then it means you won’t have enough to repair or rebuild your home. By the time you realize you made a mistake, there is nothing more that you can do.

•    Second, never go for insurance policies that do not state the actual coverage that the insurance company will provide. If you got convinced by what their insurance agent talked to you about, then make sure that all of it are in black and white. Unless it is printed, you can never be too sure that it will be provided.

•    Lastly, it is not wise to go for home insurance coverage from an insurance company you barely know. Remember that it is part of your task as a consumer to learn more about the insurance company you’re buying your coverage from. If they are not in the list of reputable insurance businesses in Canada, then they’re not the right fit. The money that you’re putting in the company might not be the wrong investment, so you shouldn’t take the risk.

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14 hours ago · by · 0 comments

What To Do In Case Of A Car Accident

Getting involved in a car crash can be a very stressful time. It is like you have a dozen of questions you’d like to ask all at once, but you don’t know whom it asks them from. Should you call the police first or should you move your car to the side of the street so as not to bother the traffic in the area? Or perhaps you should call medical the help first? Should you call the insurance representative for the claim or should you wait until the police release their report?

The following list of tips should guide you through one of the most difficult times in your life. Hopefully, you’ll be able to make sound decisions despite the accident that you’ve been involved in.

First, conduct a health check. Here are the things you need to do:

•    Check yourself. Do a health check of yourself first. If you have injuries, ask someone to call 911, or you can do it yourself if you can. If you are seriously injured, remember to try not to move. Wait until the emergency response team comes and helps you.

•    Conduct a health check of the people you’re with in the car. If any of them are injured, make sure to call for medical help immediately.

•    If you and every other passenger in your car are only suffering from minor injuries, it is best to get out of the car and walk to the side of the road where you are much safer.

•    Wait for help to come. If you can turn on the hazard lights so that the other vehicles behind you will know that you’re not moving because you are involved in an accident. You should also set up the road warning devices in the front and at the back to make the other motorists informed of what happened.

Then, notify the authorities of the accident. What does it mean?

•    Whether it is a minor accident or a big one, it is important that you call the police. In fact, it is legally required. They will be the ones conducting the report of what happened. Their report will be used in filing a claim for your car insurance.

•    Notify your insurance representative about what happened. Some companies immediately send their representatives to the scene of the accident. When they do, it is best to ask them about the process for filing a claim, what you need to prepare and whether or not the company will cover the accident.

Being involved in an accident can indeed be very stressful. Not only because you’re life has been put in danger, but because you don’t know what to do first. With these tips, you can hopefully file an insurance claim without worries.

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1 week ago · by · 0 comments

Understanding The Purpose Of Homeowner’s Insurance

Why do you need to buy home insurance? With the state of the art security system, you have installed in your home, no burglar would ever get into it without being caught. And because you are one of those who believes that their careful usage of their homes will save them from anything, you begin to think twice about buying homeowner’s insurance. But is it a good move to put off the idea of insurance altogether?

When you purchase a new home, buying home insurance has become one of the major requirements of the lender. You have the option to pay an annual fee directly to the insurance company saving you as much as 15% of the total cost or you could pay it over time in monthly intervals included in your mortgage payments. In a gist, homeowner’s insurance is the protection you buy for yourself and your home with very specific functions.

First, you purchase home insurance because your lender requires you to have one. From a lender’s perspective, it is important that the borrower’s home is insured as it is an investment of the company in itself. Your lender is basically a co-investor in the property you are buying, To protect itself from the risk of losing the property their financing, they require the homeowner to buy insurance for the property. The home is the collateral for the loan you’re applying for; thus, the lender wants to make sure that you don’t lose it and get nothing.

Second, home insurance basically has the same purpose as the insurance you buy for your car. The car insurance pays for the damages to your vehicle while the home insurance pays for the damages to your home. Whether it is the storm that tears up the exterior wall or the roof, the home insurance typically covers the cost of the repair or replacement. The replacement or repair needed to secure your home is covered by the policy you are buying for your house.

Lastly, buying home insurance is for your own protection. The idea of having your home insured is like buying your money in advance and for much less. If your home becomes a victim of theft or fire, you will need a lot of money to have it rebuilt or replace the items you own. Without insurance coverage, you might simply lose everything you have worked so hard for. Having home insurance is allowing yourself to feel safe and secure at all times, no matter what may happen.

The purpose of buying insurance may vary from the most practical to the most economical at times. However, one thing remains the same for all homeowners will home insurance — they know help will come when they need it.

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3 weeks ago · by · 0 comments

Home Insurance Claims: How Does It Change The Name Of The Game?

The spring breeze wafting through the open windows can make a huge difference in the feel of your home. However, the wind comes with its nasty side too. Did you know that more than 40% of the insurance claims made each year is due to the damages caused by strong winds? In fact, the damages caused by the wind has become one of the most common reasons used by homeowners to collect a claim from their home insurance provider.

But the wind is not the only reason why homeowners file an insurance claim. In general, there are several weather related damages that push homeowners to file an insurance claim and get their home repaired. More than 50% of insurance claims are made to cover damages caused by natural disasters.

While emergencies can strike at any given time, there are a number of things that homeowners can do to mitigate the risks that may come with various events. In truth, home insurance claims can either pull your home insurance rate up or down. The more claims you make within a period, the more likely will you be charged higher when in it’s time to file for an insurance policy renewal.

For example, for homeowners who live in the area frequented by heavy storms and strong winds, they should know that their roof is the first to be damaged. Thus, it is highly important that they choose a strong roofing material that could withstand the strong winds. Doing so will help prevent unwanted damages to their roof and making an insurance claim in the process too.

Another example would be for those who may not live in a flood-prone area but are still likely to suffer from water damages. It may be your upstairs neighbor’s pipes blowing off on you or your water heating system that caused the pipes to leak. Either way, the flood can cause serious damages to your home. It is a must that you have all the pipes regularly checked to keep the home safe from unwanted flooding. Doing so will also help keep you from making an insurance claim.

However, this fact should not prevent homeowners from making claims to their insurance providers. Instead, it should help them find initiatives to keep them from making claims every time.

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1 month ago · by · 0 comments

What NOT To Do When Buying Insurance

Nobody said buying home insurance was going to be easy. It is not about not having options because there are more than a handful of insurance companies in Canada that offer home insurance programs. Rather, it is about having too many options that choosing just one makes it quite a challenge.

Whether you are a first-time buyer or an experienced buyer of home insurance, here are some of the things you shouldn’t do:

  • Fail to do your Research.

Educating yourself of the coverage that you need should help make the process of choosing a little bit easier. Insurance policies may seem like they are one and the same, but insurance companies use a variety of factors when assessing the risks of a potential client. Some companies may offer a home insurance whose premium is higher than the last one you asked about, but it doesn’t mean their program isn’t good. It is imperative that you do your share of research concerning home insurance policies, the monthly premium as well as the factors that come into play.

  • Fail to Choose the Right Coverage.

How do you know that the coverage you signed up for is enough? You will have to remind yourself what home insurance is about. Do not confuse the repair cost with the replacement cost of your property. Remember that you shouldn’t underestimate to save on monthly costs or overestimate to get more than what you need. If you’re not sure about how to make an estimate of how much coverage you need, it is best to consult an insurance advisor. They can give insight to your concerns to make choosing easier.

  • Neglecting to Keep the Policy Updated.

Over the term of the policy, a lot of changes may happen to your home. Whether you extend your home to accommodate a new member of the family or adding that pool as a gift to the kids, you have to keep your policy updated. Neglecting to do so will put these extensions as well as the rest of the house at risk. If you fail to update your policy, the additional parts of your home or the upgrade you made in its structure will not be included in the coverage.

First-time buyers of home insurance can make a lot of mistakes. Some may end up buying home insurance that falls less than what they really need as a coverage. Others don’t know much about the policy that they bought including the standard list of what is included in its coverage. These mistakes may seem simple now but they could mean higher cost in the long run.

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1 month ago · by · 0 comments

Insurance Overpayment: How Do You Keep Yourself From It

Are you getting the coverage that you are paying for? No homeowner will ever really know if they are without the help of a reliable insurance advisor. In truth, people who buy insurance for their cars and homes do so to keep themselves from paying for everything to have their home and cars repaired in case of an accident.

How does one avoid paying more for their insurance than they have to? Here are three ways to do it:

  • Buy Insurance in a Bundle.

You need to purchase both car and home insurance so why not buy it from the same company. Although some companies may claim to have better coverage for your car than the company where you buy your home insurance, it pays to look at the difference. Then, compare it to the savings you’ll be getting if you buy both policies from the same company. Remember, buying an insurance bundle is worth more for less.

  • Consider a Home Improvement Project.

Are you looking at having security cameras installed in and around the property? Now might be a good time to go for that project, before you sign up for any insurance policy. These projects do not only beautify the home, but they also lessen the risks that make your home vulnerable. You’ll be surprised at how much savings you can get from your policy after those cameras have been installed. It’s good money to put away for future savings.

  • Update the Policy Accordingly.

Whether it is about the new terrace you added of the expensive jars you shipped in from Italy, it is best to have your insurance updated immediately to cover all the changes that you made in your home within the period it covers. When you revise the cost of your belongings each year, not only will you get coverage, but you are sure to get huge savings in the long run. All that is valuable to you are covered by the policy and at the price that you want them for.

While most homeowners think that they are getting the coverage that they need, some fall prey and pay more than what they should. And then homeowners begin to ask if it were even possible to save money on insurance. If they consider the other factors that come into play before they sign up for an insurance policy, they might just save themselves from a trouble and a lot of money too.

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1 month ago · by · 0 comments

Savings On Home Insurance: Tips On How To Do It

Are you confused with the coverage that your home insurance policy includes? You are not alone with this dilemma. In fact, most homeowners describe their insurance coverage as either confusing  or expensive. What most homeowners do not realize is that they can actually avail of savings when it comes to their home insurance purchase. All they need is to know what to ask and where to look.

If you aim at gaining savings for your home insurance, here are some tips that you should keep in mind:

  • Get home insurance from a company that specializes in it. There are a number of insurance companies that offer insurance in Canada and it can be tempting to buy from the first one that offers you the coverage at the cheapest rate, but remember that it isn’t the right way to do it. The best way to get through the process is to put your trust on the company that knows exactly what type of home insurance coverage you need.

  • Get your alarm system updated. If you don’t have one yet, it is best to have an alarm system installed before you sign up for home insurance. An updated alarm system will help reduce the risk of your home falling prey for burglars and theft. Insurance companies see such move as a way of protecting your home; thus, it means you are protecting the investment they are putting when they cover your home insurance. Such move will pull your rate down.

  • Do you live in an area frequented by strong winds, storms and even flood? It is best to prepare your home exterior from all the harsh effects of these situations. Weatherproofing your home is also a good way to pull down the rate of your home insurance. Doing so could also prevent you from making frequent small claims whenever the weather strikes.

  • Push for a renovation project before you make any insurance purchases. May it be the replacement of the roofing material or perhaps the replacement of the bathtub into a walk-in bathroom. Whatever renovation project it may be, it could help lessen the cost of your insurance premium as it also bring up the overall value of your property. It doesn’t have to be grand and expensive. A little repainting of the kitchen space could do wonders to the cost of your insurance.

Is it possible to save on home insurance? You can get the insurance policy you want for much less with any of these tips. For sure, you can get both the policy and savings and gain more in the end.

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1 month ago · by · 0 comments

Homeowners Can Save From Car Insurance: How Is It Done?

Are you a homeowner looking at getting savings with the car insurance policy you intend to buy? Since the crisis that hit the housing industry, a number of real estate companies have revised their strategy to encourage people to invest in the homes they are selling. However, despite efforts, millennials seem to have their eyes on something else.

But every car owner needs to buy insurance and they fail to see the benefit of having home insurance in the rate of their car insurance policy. In essence, when you are a homeowner, you are perceived as someone who is a reliable borrower than those who are merely renting. Since homeowners are likely paying for their mortgage monthly, it means they are seen as more responsible payers than those who are not.

Home ownership does matter when it comes to insurance policies and the cost of the coverage. It can mean a huge discount especially when the homeowner choose to buy their home insurance and car insurance policy from the same company. The homeowner discount is specifically offered by insurance companies to homeowners who purchase their car insurance from the same company. It is their way of giving back to clients who have entrusted them with their coverage.

There are a number of other factors that are considered by car insurance whenever they give you the estimate of the coverage you intend to buy. One of which is the parking space for the vehicle. If you own a house that has a garage where the car will be kept if it is not used on the road, the insurance company is likely to charge you less. A good parking space for the vehicle also means less risks for damage or theft.

The credit score of the car owner also affects the cost of the insurance. If you are currently paying for the mortgage of your own house and make timely payments, there is no doubt that your credit rating is good. Because of this, you can expect to be offered car insurance for much less than what others may be paying for their coverage.

Having both car and home insurance has become an essential part of the lives of a lot of people. Who wouldn’t want to have both when they mean financial safety and security of their owners. Both car and home insurance provides its owners with the best kind of support to keep them moving forward to success.

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1 month ago · by · 0 comments

Three Auto Insurance Myths Revealed

How much do you know about auto insurance? Apart from the fact that it is something that the government requires from every car owner, it also means additional cost to your monthly expenses. Perhaps the only reason why most car owners would go for the cheapest insurance is because they know very little about how important it is to buy the right one.

So before you end up buying just any insurance policy, here are three auto insurance myths and the truth behind them:

  • There’s only the need to shop for a new insurance policy when the current one is about to expire. Most people think that when they buy their insurance coverage, they are bound to it for the rest of the year. But in truth, you may cancel the insurance at any time, but subject to fees and other charges by the insurance company. Most of the time, the company charges about 10% of the unused coverage. Make sure to compare potential savings before you make any cancellations and make the switch.

  • The color of the car says a lot about the cost of the insurance policy or so they thought. Whether you choose to own a red, white or a black car, it doesn’t really matter. What really matters to insurance companies is the type and model of car you choose to drive. Driving a sports can could mean higher insurance premium for you every month. The computation of the rate is based on how much the insurance company will need to spend to have the vehicle repaired in case it gets damaged.

  • Older people pay higher insurance. It is true that insurance companies look into the driving records and use it as one of its basis in the computation of the monthly premium, but your age does not matter. Your driving record does. The number of traffic violations that you got throughout the years may pull your insurance premium up, but it is just one of the many other factors that are considered. Some older people with clean driving records pay much less than a newbie in driving who’s got a long list of traffic violations.

When it comes to auto insurance, it can be quite easy to simply believe what we are told. However, when you do your research, you will discover the many different ways you can save on insurance costs.

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