You may have many questions when it comes to auto insurance. Many parents worry about their teens driving and others worry about how their family will be protected if an auto accident were to occur. So what is auto insurance and what exactly does it cover? In the event of an accident, your auto insurance company will insure that you and your passengers are covered. In spite of this, you are the one to determine the level of coverage that works best for you and your family.
Types of auto insurance
Liability insurance, or third-party insurance, is generally the lowest form of auto insurance that an insurance company will offer you. This is the basic insurance you receive if you are ever involved in an accident and the accident has been proven to be your fault. With liability insurance, the auto insurance company will pay the damages to the other party.
With this plan, the coverage limits offered by the auto insurance company are usually set ahead of time. These restrictions are the maximum amounts the auto insurance company will pay if an auto accident occurs. For example, the insurance agent may choose to allow $15,000 coverage for each person (bodily injury). Or, $45,000 for bodily injury coverage and/or $15,000 for property damage (per accident).
Before an accident occurs, you must confirm with your auto insurance company what they will cover and what the monetary limits of coverage are. Sometimes you might be offered a very low insurance premium by an auto insurance company, only to realize that your coverage is minimal and unrealistic once an auto accident occurs.
Collision and Comprehensive coverage
In addition to liability, the auto insurance company will offer you a comprehensive insurance plan so you will be comprehensively covered in the event of an accident. In simple terms this means that if you are responsible for an auto accident, the insurance company will pay for the repair of your vehicle. But, this is not as simple as it sounds. The auto insurance company will always have the final say on what amount will be covered by them, so if it is cheaper to give you the market value for the car, then they will.
You might think that your car is worth $2,000, but the market value might only be $1,000.
This is a common scenario. So, if the repair of your car is more than $500 then the auto insurance company will simply pay you the book value for your car. You must make sure that the insurance company does not control the market value of your car. Normally, organizations like the AA will give an impartial market value. As with third party insurance, the auto insurance company will almost always reduce the amount that will be paid out as much as possible, so generally a comprehensive insurance plan will have the highest coverage limits.
Recreation Vehicles
Because a recreation vehicle is much different than a car, RVs require a separate insurance plan. It is common for RV owners to assume that their RV is insured comprehensively because their car is. Make sure you check with your insurance company for RV regulations.
More types of auto insurance
In the event of an auto collision, Medical (MedPay), Personal Injury protection (PIP) and no fault cover are the insurance plans that will cover you and your passenger's medical expenses.
Under no fault cover, the auto insurance company will pay the costs, no matter who is determined to be at fault for the accident. This ensures that your family and friends are covered no matter what.
PIP is often a minimum requirement for auto insurance in some states, but ask your auto insurance company what the minimum requirements are.
Uninsured/Underinsured motorists' coverage
This coverage is often a minimum requirement in some states and it will cover you in the event of an auto accident if the person at fault is underinsured or not insured at all. In the event of such a situation, you must ask your auto insurance company what you will be charged.
Rental reimbursement, towing and labor
These are extra options, often given with a comprehensive insurance plan, and they are available as specials for auto insurance. If your car is damaged the auto insurance company will pay for most rental costs. Also, the auto insurance company might offer to pay for the tow of your vehicle, but it is not always included.
The legal requirements
Most states require a minimum level of coverage-ranging from full comprehensive car insurance to third-party auto insurance. In most cases it is up to you, the driver, to ensure that your auto insurance company offers you the minimum requirements for coverage. In most cases the auto insurance company is not responsible for instructing you of the minimum requirements.
But of course, a reliable auto insurance company will try their very best to advise you so you receive the best auto insurance deal possible.
visit www.insuredbysteve.com or call 636-410-6219 for affordable auto insurance rates
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Wednesday, April 28, 2010
Understanding High Risk Auto Insurance
There are many drivers on the road that are considered to be high risk. They are the habitual speeding ticket recipients, DUI offenders and others who make bad choices. Driving a motor vehicle has its own inherent risk factors. By choosing to compound those factors with negligent behavior often leads to accidents, arrests, citations and more. High risk drivers who are arrested for such behavior are often incarcerated; fined; have their license suspended or revoked; have insurance premiums increased; or can possibly even lose their job.
The Impact of Speeding Tickets
Speeding tickets remain on your driving record for three years. Those who repeatedly get speeding tickets before older ones have lapsed are more likely to be deemed high risk. However, operating certain vehicles puts you more at risk of getting speeding tickets. Recent DMV record surveys indicate that Hummer drivers receive more speeding tickets than those who drive other vehicles. A ticket for exceeding the speed limit by up to 10 miles per or hour can result in 2 to 4 demerit points going on your driving record.
How Your Driving Record Impacts The Insurance Rates You Get
Insurance companies typically pull driving records when individuals apply for insurance or when the time comes for a change or renewal of the policy. The information found there is the basis of the insurance rate you are assigned. If you have demerit points for poor driving behavior you may find that you have become a high risk driver and that insurance is harder to come by. However, you can improve your record by taking driver's education classes to remove points.
Each insurer treats information found on your driving record differently. The weight given demerit points and other aspects of your record can vary greatly from one company to another. However, if your company raises your rates, expect them to remain that way for three years. If your driving record is worse than the insurer accepts, you will be deemed high risk and denied coverage. Because guidelines differ for companies, you may or may not find that all companies consider you high risk. If you are truly a high risk driver, as in the case of those with DUI convictions, you will need to get insurance quotes from companies that specialize in offering high risk car insurance.
The Impact of a Suspended License
If you lose your driver's license, it can affect your life in a variety of ways including interfering with your family obligations and possibly even causing problems in your career. Many jobs are contingent upon having a driver's license. If this is the case, a suspended license causes even more difficulties.
When your insurer learns that you have lost your license, your policy will be cancelled. This makes it even more difficult to obtain coverage when you need it again. Because of the cancellation and the suspended license you will likely have to go through a high risk insurance company in order to get coverage, which you will need to have in order to get your license reinstated.
The Importance of SR-22 Certification
A SR-22 Certificate is legal proof that you carry at least the minimum amount of liability coverage as required by law. You must provide this to the state in order to get your license reinstated. In addition, you should carry the SR-22 with you, so that if you are stopped by the police, you can produce it and avoid further complications. High risk insurers are familiar with this form and regularly issue it for their policyholders, who often need to have it for up to 3 years. Extra requirements such as this, and the risk presented by high risk drivers, contribute to such individuals having to pay higher than usual premiums. However, for most people car insurance is a necessity and therefore they must pay the consequences.
Tips To Improve Your Rates
In order to keep your rates as reasonable as possible, make sure that you have paid any moving violations that you owe, so they can be cleared from your record quickly. Take driver training courses to remove some of the violations from your record. You can also invest in a vehicle that is more safety conscious, less costly to insure and less likely to attract the attention of the police.
By putting these tips in place and shopping around carefully for coverage, you can succeed in keeping your car insurance costs as low as possible, considering your driving record.
Shop for LOWER RATES at www.insuredbysteve.com
The Impact of Speeding Tickets
Speeding tickets remain on your driving record for three years. Those who repeatedly get speeding tickets before older ones have lapsed are more likely to be deemed high risk. However, operating certain vehicles puts you more at risk of getting speeding tickets. Recent DMV record surveys indicate that Hummer drivers receive more speeding tickets than those who drive other vehicles. A ticket for exceeding the speed limit by up to 10 miles per or hour can result in 2 to 4 demerit points going on your driving record.
How Your Driving Record Impacts The Insurance Rates You Get
Insurance companies typically pull driving records when individuals apply for insurance or when the time comes for a change or renewal of the policy. The information found there is the basis of the insurance rate you are assigned. If you have demerit points for poor driving behavior you may find that you have become a high risk driver and that insurance is harder to come by. However, you can improve your record by taking driver's education classes to remove points.
Each insurer treats information found on your driving record differently. The weight given demerit points and other aspects of your record can vary greatly from one company to another. However, if your company raises your rates, expect them to remain that way for three years. If your driving record is worse than the insurer accepts, you will be deemed high risk and denied coverage. Because guidelines differ for companies, you may or may not find that all companies consider you high risk. If you are truly a high risk driver, as in the case of those with DUI convictions, you will need to get insurance quotes from companies that specialize in offering high risk car insurance.
The Impact of a Suspended License
If you lose your driver's license, it can affect your life in a variety of ways including interfering with your family obligations and possibly even causing problems in your career. Many jobs are contingent upon having a driver's license. If this is the case, a suspended license causes even more difficulties.
When your insurer learns that you have lost your license, your policy will be cancelled. This makes it even more difficult to obtain coverage when you need it again. Because of the cancellation and the suspended license you will likely have to go through a high risk insurance company in order to get coverage, which you will need to have in order to get your license reinstated.
The Importance of SR-22 Certification
A SR-22 Certificate is legal proof that you carry at least the minimum amount of liability coverage as required by law. You must provide this to the state in order to get your license reinstated. In addition, you should carry the SR-22 with you, so that if you are stopped by the police, you can produce it and avoid further complications. High risk insurers are familiar with this form and regularly issue it for their policyholders, who often need to have it for up to 3 years. Extra requirements such as this, and the risk presented by high risk drivers, contribute to such individuals having to pay higher than usual premiums. However, for most people car insurance is a necessity and therefore they must pay the consequences.
Tips To Improve Your Rates
In order to keep your rates as reasonable as possible, make sure that you have paid any moving violations that you owe, so they can be cleared from your record quickly. Take driver training courses to remove some of the violations from your record. You can also invest in a vehicle that is more safety conscious, less costly to insure and less likely to attract the attention of the police.
By putting these tips in place and shopping around carefully for coverage, you can succeed in keeping your car insurance costs as low as possible, considering your driving record.
Shop for LOWER RATES at www.insuredbysteve.com
Saturday, April 24, 2010
how does an SR 22 work?
What is an SR22?
Some states require problem drivers, particularly those who've been cited for driving without insurance, to have proof of insurance on file with the Secretary of State, even if they no longer own a car. The SR22 is the form produced by the driver's insurance carrier to meet this requirement, allowing them to avoid suspension or revocation of their license.
Filing an SR22
To secure an SR22, obviously, an individual must first obtain auto insurance from a company authorized by the state to write financial responsibility policies, and it must be in an amount sufficient to meet the state's minimum insurance requirements. SR22 insurance can come in three types. An operator's certificate covers the driver in any vehicle, and is the best option for those who don't own a car themselves. The owner's certificate verifies coverage only in the driver's vehicle, and the owner-operator certificate covers all vehicles. Once the policy is paid for and in place, the driver must direct the insurance company, usually by phone, to send an SR22 directly to the Department of State. This form is usually sent by fax, but it can take up to 30 days or more for the state to process. With the SR22 on file, the state will issue a letter to the driver and a copy of the form as proof in case they're stopped.
Maintenance
Part of the SR22 arrangement is that the insurance carrier is required by law to notify the Department of State if the driver's insurance policy is canceled, suspended, or not renewed within 15 days of expiration. The process of suspending the driver's license will usually begin on receipt of such a notification. To prevent suspension, the driver must keep their insurance policy up to date. Depending on the circumstances that created the need for an SR22 filing, drivers will need to keep proof of their insurance on record for a minimum of two to three years. If, for whatever reason , the driver is unwilling or unable to obtain auto insurance, some states will allow the filing of a surety bond with the Department of State in lieu of insurance. If a driver moves out of state, they can appeal for their SR22 requirements to be waived, but will be subject to the insurance requirements of their new residence.
Some states require problem drivers, particularly those who've been cited for driving without insurance, to have proof of insurance on file with the Secretary of State, even if they no longer own a car. The SR22 is the form produced by the driver's insurance carrier to meet this requirement, allowing them to avoid suspension or revocation of their license.
Filing an SR22
To secure an SR22, obviously, an individual must first obtain auto insurance from a company authorized by the state to write financial responsibility policies, and it must be in an amount sufficient to meet the state's minimum insurance requirements. SR22 insurance can come in three types. An operator's certificate covers the driver in any vehicle, and is the best option for those who don't own a car themselves. The owner's certificate verifies coverage only in the driver's vehicle, and the owner-operator certificate covers all vehicles. Once the policy is paid for and in place, the driver must direct the insurance company, usually by phone, to send an SR22 directly to the Department of State. This form is usually sent by fax, but it can take up to 30 days or more for the state to process. With the SR22 on file, the state will issue a letter to the driver and a copy of the form as proof in case they're stopped.
Maintenance
Part of the SR22 arrangement is that the insurance carrier is required by law to notify the Department of State if the driver's insurance policy is canceled, suspended, or not renewed within 15 days of expiration. The process of suspending the driver's license will usually begin on receipt of such a notification. To prevent suspension, the driver must keep their insurance policy up to date. Depending on the circumstances that created the need for an SR22 filing, drivers will need to keep proof of their insurance on record for a minimum of two to three years. If, for whatever reason , the driver is unwilling or unable to obtain auto insurance, some states will allow the filing of a surety bond with the Department of State in lieu of insurance. If a driver moves out of state, they can appeal for their SR22 requirements to be waived, but will be subject to the insurance requirements of their new residence.
Thursday, April 22, 2010
pet injury coverage- progressive insurance
With Progressive's Pet Injury coverage, your auto insurance policy protects your dog or cat, too.
What Is Pet Injury Coverage?
Pets are part of your family, and when you take them with you in the car, they're your passengers, too. So shouldn't they be covered by your auto insurance policy? We think so.
That's why we offer up to $1,000 of coverage for your dog or cat if they're injured or worse when you're in a car accident, or during a fire or theft. And, it's free! That's right. Progressive's Pet Injury coverage is automatically included in your Collision coverage.*
When Can You Use Pet Injury Coverage?
If you can use Collision coverage, you can use Pet Injury coverage for pets you or relatives who live with you have. If you're ever in an accident and your dog or cat is injured, Progressive pays up to $1000 towards vet bills and medicine. Coverage also extends to a cat or dog owned by a relative who lives with you.
Pet Injury coverage is built in to your Collision coverage — there's no added cost if you choose to use it or not use it. It's just one more way we let you know we care about you and your family, human or otherwise.
How Is Pet Injury Coverage Different from Pet Insurance?
Progressive's Pet Injury coverage protects your dog or cat from injuries that result from accidents when they're inside your vehicle. Pet Injury coverage is not pet insurance, which covers your pet in the event of illness or injury.
Pet insurance pays for vet bills when your pet is sick or hurt. With pet insurance, you pay the bill and are reimbursed by the pet insurance company. Many plans have deductibles, maximums and even coinsurance. Pet insurance does not necessarily cover all medical conditions for your pet, so make sure you get all the facts before you buy.
Pet Injury coverage is built into your Collision coverage on your Progressive auto insurance policy. Your dogs and cats are covered for vet costs up to $1,000 when they're hurt in an accident.
*Pet Injury coverage is not yet available in North Carolina or New Hampshire.
What Is Pet Injury Coverage?
Pets are part of your family, and when you take them with you in the car, they're your passengers, too. So shouldn't they be covered by your auto insurance policy? We think so.
That's why we offer up to $1,000 of coverage for your dog or cat if they're injured or worse when you're in a car accident, or during a fire or theft. And, it's free! That's right. Progressive's Pet Injury coverage is automatically included in your Collision coverage.*
When Can You Use Pet Injury Coverage?
If you can use Collision coverage, you can use Pet Injury coverage for pets you or relatives who live with you have. If you're ever in an accident and your dog or cat is injured, Progressive pays up to $1000 towards vet bills and medicine. Coverage also extends to a cat or dog owned by a relative who lives with you.
Pet Injury coverage is built in to your Collision coverage — there's no added cost if you choose to use it or not use it. It's just one more way we let you know we care about you and your family, human or otherwise.
How Is Pet Injury Coverage Different from Pet Insurance?
Progressive's Pet Injury coverage protects your dog or cat from injuries that result from accidents when they're inside your vehicle. Pet Injury coverage is not pet insurance, which covers your pet in the event of illness or injury.
Pet insurance pays for vet bills when your pet is sick or hurt. With pet insurance, you pay the bill and are reimbursed by the pet insurance company. Many plans have deductibles, maximums and even coinsurance. Pet insurance does not necessarily cover all medical conditions for your pet, so make sure you get all the facts before you buy.
Pet Injury coverage is built into your Collision coverage on your Progressive auto insurance policy. Your dogs and cats are covered for vet costs up to $1,000 when they're hurt in an accident.
*Pet Injury coverage is not yet available in North Carolina or New Hampshire.
Progressive App for IPhone
Great news! Progressive Insurance, has released an app for your IPhone! This new app offers policyholders 24/7 policy access, claims reporting, and bill pay all from the convience of your Iphone! The app is free and can be a great tool! The app also provides policyholders information to help them make smarter car buying decisions with a cost to insure tool and crash test ratings. Soon, Progressive will be promoting this app via email and TV ads! If you would like a free quote with progressive or any other of our other great companies, please call 314-368-9125 or go to www.insuredbysteve.com !
Tuesday, April 20, 2010
Posting your birthday on Facebook could result in Identity Theft
Think twice before posting your birth date on Facebook or other social networking sites. According to Information Week, doing so could help identity thieves predict your Social Security number.
Online information about your date of birth and place of birth could allow identity thieves to guess your Social Security number, according to a Carnegie Mellon report. Its findings suggest that Social Security numbers can be predicted using basic demographic data gleaned from government data sources, commercial databases, voter registration lists, or online social networks.
Knowing a person’s Social Security number (SSN), name, and date of birth is typically enough to allow an identity thief to impersonate that person for the purpose of various kinds of fraud.
Researchers estimate that 10 million American residents publish their birthdays in online profiles, or provide enough information for their birthdays to be guessed.
Were you aware that Travelers Insurance has an Identity Theft Policy? By combining your Home or auto with the Identity theft protection sheild, you are elligible to receive a multi-line discount, which basically saves you enough to pay for the extra coverage. Get your Free Insurance/Identity theft quotes for FREE at www.insuredbysteve.com or by calling me at 314-368-9125. P
Online information about your date of birth and place of birth could allow identity thieves to guess your Social Security number, according to a Carnegie Mellon report. Its findings suggest that Social Security numbers can be predicted using basic demographic data gleaned from government data sources, commercial databases, voter registration lists, or online social networks.
Knowing a person’s Social Security number (SSN), name, and date of birth is typically enough to allow an identity thief to impersonate that person for the purpose of various kinds of fraud.
Researchers estimate that 10 million American residents publish their birthdays in online profiles, or provide enough information for their birthdays to be guessed.
Were you aware that Travelers Insurance has an Identity Theft Policy? By combining your Home or auto with the Identity theft protection sheild, you are elligible to receive a multi-line discount, which basically saves you enough to pay for the extra coverage. Get your Free Insurance/Identity theft quotes for FREE at www.insuredbysteve.com or by calling me at 314-368-9125. P
Monday, April 19, 2010
10 ways to save on your car insurance
1. Shop and Compare Rates Every 6 Months
According to an independent study, people who compare rates and switch carriers at for car insurance save an average of $301* on a six month policy. Consider the savings over 12 months! Tickets or no tickets, you're a different driver than you were last summer. Get updated quotes and see what your individual savings could be.
2. Select Higher Deductibles
Simply put, the higher your deductible, the lower your premium. Indeed the cost of an accident will be that much more expensive; however, if the damage is minor (grey zone in making accident claim), you'll be spending the same out-of-pocket amount regardless.
3. Make a Cheaper Policy Even Cheaper: Don't Pay in Monthly Installments
Additional administrative fees are commonly applied to payments when you split your premium in to installments (i.e. monthly, semi-annual, annual). Be aware that a monthly fee of even $7 can add up to $84 over 12 months.
4. Look for Multi-Line Insurance Discounts
The most under recognized car insurance discount results from the multi-line insurance policy: buying your auto insurance and your homeowners insurance from the same insurance company. According to the Insurance Information Institute, a multi-line policy can save you up to 15% on both premiums.
5. Collect on Your Good Driving
Most insurance companies reward good driving with lower premiums. In fact, in some states a good driving discount is required by law. If you haven't had any accidents or tickets in the last three to five years, shop at insuredbysteve.com and see whether you are missing out on this money savings discount.
6. Don't Overpay for Tickets
Unfortunately moving violations are an accurate reflection of your liability to an insurance company, and your rates can skyrocket as a result. Perhaps you deserve a higher rate, but don't let the insurance company unduly punish you. Shop around and see if you can find a more reasonable rate with another company.
7. Look for Safe Vehicle Discounts
Many companies offer discounts for various safety features on your vehicle, including air bags, alarms, factory-installed mechanical seatbelts and antilock brakes. In getting updated insurance quotes, be sure to indicate such safety features to benefit from available discounts.
8. Don't Overpay for Your Unnecessary Coverage
You may be paying for coverage that you don't need. For example, you may be a member of an auto club that provides towing services, yet you're also paying for towing on your auto insurance policy. Look for opportunities to eliminate unnecessary costs.
9. Look for a Good Student Discount or Senior Discount
Students currently enrolled in school often receive a discount on auto insurance for good grades, as many companies feel conscientious students make conscientious drivers. Similarly, insurance companies are known to value the wisdom of an experienced driver, offering discounts to drivers over 50 as a result.
10. Pay Less for Driving Less
Many insurance companies will offer discounts on vehicles that incur low annual mileage. In fact, some companies have a predetermined number of what they consider low mileage. Has your commute changed? If so, it might save you money to get an updated quote.
visit insuredbysteve.com or call 314-368-9125 for your FREE Insurance Review!
According to an independent study, people who compare rates and switch carriers at for car insurance save an average of $301* on a six month policy. Consider the savings over 12 months! Tickets or no tickets, you're a different driver than you were last summer. Get updated quotes and see what your individual savings could be.
2. Select Higher Deductibles
Simply put, the higher your deductible, the lower your premium. Indeed the cost of an accident will be that much more expensive; however, if the damage is minor (grey zone in making accident claim), you'll be spending the same out-of-pocket amount regardless.
3. Make a Cheaper Policy Even Cheaper: Don't Pay in Monthly Installments
Additional administrative fees are commonly applied to payments when you split your premium in to installments (i.e. monthly, semi-annual, annual). Be aware that a monthly fee of even $7 can add up to $84 over 12 months.
4. Look for Multi-Line Insurance Discounts
The most under recognized car insurance discount results from the multi-line insurance policy: buying your auto insurance and your homeowners insurance from the same insurance company. According to the Insurance Information Institute, a multi-line policy can save you up to 15% on both premiums.
5. Collect on Your Good Driving
Most insurance companies reward good driving with lower premiums. In fact, in some states a good driving discount is required by law. If you haven't had any accidents or tickets in the last three to five years, shop at insuredbysteve.com and see whether you are missing out on this money savings discount.
6. Don't Overpay for Tickets
Unfortunately moving violations are an accurate reflection of your liability to an insurance company, and your rates can skyrocket as a result. Perhaps you deserve a higher rate, but don't let the insurance company unduly punish you. Shop around and see if you can find a more reasonable rate with another company.
7. Look for Safe Vehicle Discounts
Many companies offer discounts for various safety features on your vehicle, including air bags, alarms, factory-installed mechanical seatbelts and antilock brakes. In getting updated insurance quotes, be sure to indicate such safety features to benefit from available discounts.
8. Don't Overpay for Your Unnecessary Coverage
You may be paying for coverage that you don't need. For example, you may be a member of an auto club that provides towing services, yet you're also paying for towing on your auto insurance policy. Look for opportunities to eliminate unnecessary costs.
9. Look for a Good Student Discount or Senior Discount
Students currently enrolled in school often receive a discount on auto insurance for good grades, as many companies feel conscientious students make conscientious drivers. Similarly, insurance companies are known to value the wisdom of an experienced driver, offering discounts to drivers over 50 as a result.
10. Pay Less for Driving Less
Many insurance companies will offer discounts on vehicles that incur low annual mileage. In fact, some companies have a predetermined number of what they consider low mileage. Has your commute changed? If so, it might save you money to get an updated quote.
visit insuredbysteve.com or call 314-368-9125 for your FREE Insurance Review!
Saturday, April 17, 2010
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Compare Lowest Rates on the Heath Plan You Need!
We find individual health insurance plans and family health insurance quotes. If you are covered under your company or work independently we can find the insurance you need. Choose from the top network of health insurance companies to find the best rates. If you have pre-existing medical conditions and are at high-risk, have been denied coverage before, or are healthy then you may still be eligible for a health insurance plan and we can help you find it. Get health insurance quotes for individual, family, student, senior, or child plans. www.insuredbysteve.com directs you to the health insurance plan that best suits you.
Find Health Insurance that Fits Your Budget!
Get health insurance quotes, compare rates and save! insuredbysteve.com helps you find the plan you need. Health insurance professionals bring the information to you. Evaluate provider rates and find the insurance plan that works for your budget. Our service is hassle free. It takes a couple minutes to find the health insurance you’re looking for. Get a quote at www.insuredbysteve.com or call 314-368-9125 and start comparing savings today!
Renter's Insurance In a Nutshell: What You Need to Know
The last thing on your mind when renting a home or apartment is probably renter's insurance right? Renter's insurance can bring you a peace of mind that you are protected from life's unpredictable events. You may assume that you are covered under your landlord's insurance, but that is not always the case. Your landlord's insurance policy probably only covers damages to the actual building structure or anything attached to the structure (ex:gutters, awnings, roof, etc); not your actual possessions. Renter's insurance actually ensures that you can protect your own possession from a disastrous scenario.
Here is what you need to know about renter's insurance in a nutshell:
What is Renter's Insurance?
Renter's insurance typically covers the losses of your possessions. It is similar to homeowner's insurance except it does not include coverage of damage to the actual building you live (your landlord's worry).
It covers the costs of replacing personal items that are stolen, damaged, or destroyed. According to MSN Money, some of the types of disasters that are typically covered by renter's insurance are:
•Fire or lightning
•Windstorm or hail
•Explosion
•Riot or civil commotion
•Aircraft
•Vehicles
•Smoke
•Vandalism or malicious mischief
•Theft
•Damage by glass or safety-glazing material that is part of a building
•Volcanic eruption
•Falling objects
•Weight of ice, snow, or sleet
•Water-related damage from home utilities
•Electrical surge damage
Do take note that renter's insurance does not typically cover flood damage or earthquake damage.
What Does It Cover?
What renter's insurance covers varies. Your insurance will typically cover the following:
•Electronics
•Clothes
•Furniture
•Sports Equipment
•Appliances
•Jewelry
•Collectibles
Keep in mind that actual value coverage is vastly different than replacement value coverage. If you have an old sound system that you bought for a pretty penny back in 2000, it may not be worth much in actual value. If you have to replace that sound system, it will probably cost more. Make sure you know if you are covered for actual value versus replacement cost.
The one nice perk about renter's insurance is that it covers your possessions even if the damage occurs outside of home. Let's say you are outside and someone steals your wedding band. You are typically covered by renter's insurance.
It Protects You From Liability
Renter's insurance also often covers you from many types of liability -- such as someone getting injured in your home, damage you cause to another person't property (you mess up the neighbor's house), and housing costs if your own home becomes uninhabitable.
In the end, paying for renter's insurance is worth the hassle because it protects you from a host of bad things that no one can predict. It is one of those things that no one really thinks about, but when you are in a pinch, you are glad it is there.
Here is what you need to know about renter's insurance in a nutshell:
What is Renter's Insurance?
Renter's insurance typically covers the losses of your possessions. It is similar to homeowner's insurance except it does not include coverage of damage to the actual building you live (your landlord's worry).
It covers the costs of replacing personal items that are stolen, damaged, or destroyed. According to MSN Money, some of the types of disasters that are typically covered by renter's insurance are:
•Fire or lightning
•Windstorm or hail
•Explosion
•Riot or civil commotion
•Aircraft
•Vehicles
•Smoke
•Vandalism or malicious mischief
•Theft
•Damage by glass or safety-glazing material that is part of a building
•Volcanic eruption
•Falling objects
•Weight of ice, snow, or sleet
•Water-related damage from home utilities
•Electrical surge damage
Do take note that renter's insurance does not typically cover flood damage or earthquake damage.
What Does It Cover?
What renter's insurance covers varies. Your insurance will typically cover the following:
•Electronics
•Clothes
•Furniture
•Sports Equipment
•Appliances
•Jewelry
•Collectibles
Keep in mind that actual value coverage is vastly different than replacement value coverage. If you have an old sound system that you bought for a pretty penny back in 2000, it may not be worth much in actual value. If you have to replace that sound system, it will probably cost more. Make sure you know if you are covered for actual value versus replacement cost.
The one nice perk about renter's insurance is that it covers your possessions even if the damage occurs outside of home. Let's say you are outside and someone steals your wedding band. You are typically covered by renter's insurance.
It Protects You From Liability
Renter's insurance also often covers you from many types of liability -- such as someone getting injured in your home, damage you cause to another person't property (you mess up the neighbor's house), and housing costs if your own home becomes uninhabitable.
In the end, paying for renter's insurance is worth the hassle because it protects you from a host of bad things that no one can predict. It is one of those things that no one really thinks about, but when you are in a pinch, you are glad it is there.
Sunday, April 11, 2010
Keeping you Insured in Difficult Times
Everyone's looking for ways to cutback in these tough economic times. There are almost always areas in the budget where we can save a little money but eliminating auto insurance isn’t an option. Driving without auto insurance isn’t a solution. If you’re involved in an accident and don’t have auto insurance, how will you pay for medical expenses or repair your vehicle? What if you’re found liable for the accident? Talk with your auto insurance company before you ever decide to drop your coverage.
If you are ever involved in an accident, your auto insurance can protect you in many ways. Should you be injured or need repairs on your car after an accident, your auto insurance helps to cover your expenses. If you are at fault for the accident, your auto insurance will cover you. Clearly cutting back on your auto insurance, even if it means a short term savings, is not an option. Auto insurance is not only essential if you drive but it’s the law. Talk with a knowledgeable auto insurance carrier to find realistic ways to save on your premiums.
If you are ever involved in an accident, your auto insurance can protect you in many ways. Should you be injured or need repairs on your car after an accident, your auto insurance helps to cover your expenses. If you are at fault for the accident, your auto insurance will cover you. Clearly cutting back on your auto insurance, even if it means a short term savings, is not an option. Auto insurance is not only essential if you drive but it’s the law. Talk with a knowledgeable auto insurance carrier to find realistic ways to save on your premiums.
Friday, April 9, 2010
Ten benefits of the passage of health care reform in first 90 days
1. Prohibit pre-existing condition exclusions for children in all new plans;
2. Temporary high-risk pool for Americans with pre-existing conditions;
3. Insurance companies no longer able to drop sick people;
4. Lower seniors prescription prices by beginning to close the donut hole;
5. Tax credits to small businesses covering employees;
6. Elimination of lifetime and annual benefit limits;
7. Children can stay on parents' coverage until age 26;
8. New plans must cover preventive and immunizations;
9. Consumers will have processes to appeal insurance plan decisions;
10. Rebates to enrollees from insurers with high administrative expenditures and public disclosure of the percent of premiums applied
to overhead costs.
2. Temporary high-risk pool for Americans with pre-existing conditions;
3. Insurance companies no longer able to drop sick people;
4. Lower seniors prescription prices by beginning to close the donut hole;
5. Tax credits to small businesses covering employees;
6. Elimination of lifetime and annual benefit limits;
7. Children can stay on parents' coverage until age 26;
8. New plans must cover preventive and immunizations;
9. Consumers will have processes to appeal insurance plan decisions;
10. Rebates to enrollees from insurers with high administrative expenditures and public disclosure of the percent of premiums applied
to overhead costs.
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