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Why Do You Need Homeowners Insurance?
The biggest single investment most people make in their lifetime is buying a home, condominium or townhouse. What you want to do is protect your home, personal property and any type of liability with a homeowner's insurance policy.
Homeowner's insurance just does not cover homes, but it will cover those who rent homes, apartments, condos, and townhouses. These homeowner's policy are referred to at renter's homeowner policies. If you are a renter, you will not need protection against damage to the building itself, but you will need protection against damage or theft of your personal property and any type of liability just in case someone falls or gets hurts on the part of the premises that you rent.
A condominium or townhouse owner may also purchase a homeowner's policy to insure against loss of personal property. The condominium and townhouse owners also are responsible for the inside of the condominium or townhouse. You are not responsible for the outside structure but the walls and inside structure is your responsibility.
You, of course, would be protected with homeowner's insurance if there was theft or liability just in case someone injuries themselves in your condominium or townhouse. You would also be responsible if you cause, for example, water damage to someone's condo that may be underneath you.
Condominium or townhouse owners may buy homeowner's policies that may also include any additions or alterations not insured by the Condominium Association.
It is very important to check with your Condominium or Townhouse Association what is exactly covered by the Condominium Association and exactly what is not covered regarding the whole structure of your condominium.
Then sit down with your insurance agent before buying a policy to make sure you are adequately covered if there is fire damage within your home, water damage, roof damage or any type damage that you may not be sure is covered by the Condominium Association.
Fern Kuhn, RN
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Life Insurance, the Universe, and Everything
You may have noticed that life insurance is coming back into fashion. It's true that it may not be the financial term on everybody's lips, but sales of life insurance have been going up, according to the Association of British Insurers.
What To Do When You Suffer An Injury On The Job?
For over 30 years I have been representing injured workers in workers compensation proceedings and there are some basic errors that injured workers make time and time again.First, it is common for injured workers to ignore a serious injury for a day or even for a couple of days.
Free Money Saving Auto Insurance Tips
Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money.
Do You Know What The 7 Home Insurance Plans Are?
Most people don't realize that there are 7 different homeowners insurance plans that insurance companies can offer. Each plan is different from the other 6 based on the circumstances that it covers.
Auto Insurance Rates
Auto insurance rates will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on.
Japanese Overseas Travel Insurance
If you are an expatriate planning on long-term residence in Japan you can, after a one-year stay, become a part of Japan's national health program. Until that time, however, you're going to need Japanese overseas travel insurance.
How Do I Calculate How Much Life Insurance I Need?
Life insurance protects you and your family from economic hardship as a result of death. It is an insurance company's obligation to pay the recipient of your choice a pre-determined amount of money when you die in exchange for timely payment of premiums while you are living.
Long-Term Care Insurance: Eldercare Solution
When I suddenly had to become a fulltime caregiver to my elderly parents, both with health problems and starting to develop dementia (namely Alzheimer's), I had never even heard of Long-Term Care Insurance. After we burned through their life savings, and then started chipping away at mine, I was advised to apply for financial assistance for them through the government's Medicaid system--a program for those at the poverty level.
Long Term Care Insurance - Low Cost Alternatives For Budget Conscious Seniors!
With Nursing home Cost's running $4,000 to $6,000 a month and outpacing inflation, it is a small wonder that most seniors cannot afford the Long term Care insurance premiums. Their are low cost Alternatives available for seniors who just can't afford the rising cost of these Premiums.
How to Reduce Car Insurance Premiums
Here are some useful tips on how to reduce car insurance premiums. Firstly, you need to find a sense of balance between coverage and cost.
Can I Really Get Life Insurance, No Exam Required?
Changing the way that life insurance is bought and sold on the Internet and through the media has opened up the doors for many people to have affordable life insurance policies. Life insurance no exam is one such brainstorm.
Private Medical Insurance- Finding The Right Policy for You
Why Private Medical Insurance Is Becoming So PopularRecent research indicates that the vast majority of consumers take out private medical insurance because they are concerned about the length of waiting lists for treatment in NHS hospitals.68% of those questioned in a recent online poll, said that they wanted to receive treatment when it was needed rather than having to take their chances with the NHS waiting lists.
Term Life Insurance and Permanent Life Insurance
Term insurance and permanent insurance are two basic types of life insurance. Term life insurance is temporary, and it covers only a specific period of time called the relevant term.
Do I Need Travel Insurance?
In the United States health insurance, unlike many other countries, you can find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insurance and so many more health insurance plans like managed-care plans-HMOs, PPOs and PPG's.
Guide to Life Insurance
Here is a useful guide to life insurance. Simply put, a life insurance policy provides a lump sum payment upon death of the policy holder.
Apply Online for Temporary Health Insurance
There are times when you'll find yourself temporarily without health insurance. You may be between jobs, just starting a new job or a student who is no longer covered on your parent's health insurance.
Health Insurance And Insurance Brokers
If you are in the market to purchase your own health insurance coverage you can save yourself precious time and money by shopping and comparing policies right online. Sites dedicated to giving you quotes on various types of insurance make it very easy for you to get an idea of what your coverage and costs will be.
Auto Owners Insurance - Do You Really Need It?
If you think you don't have any need for auto owners insurance, just consider the answer to this question. How would you manage to pay the medical bills of someone who gets hurt in an accident when you are at fault? If you do not have an unending supply of money, then you definitely need auto owners insurance.
The Life Insurance Quote Business is Booming, but is the Insurance Quote Accurate?
The life insurance quote business online is booming. Not only are life insurance agents quoting a more diverse portfolio of companies, but consumers are also now able to quote life insurance online for themselves.
Mortgage Life Insurance
Owning a home is a dream for most of us, although it is an expensive one. The monthly payments usually take up a big slice of our monthly income, and the sudden loss in the event of you or your spouse's early death may leave your survivors unable to make payments.
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