You need enough insurance to cover the following:
The structure of your home.
Your personal possessions.
The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs.
Your liability to others.
There are two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life.
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Most standard homeowners insurance policies include four essential types of coverage:
Coverage for the structure of your home
Coverage for your personal belongings
Liability protection
Additional living expenses if you are temporarily unable to live in your home because of an insured disaster
Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet.
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Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
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Auto insurance premiums are calculated using a many factors—and some insurers give more weight to some factors than others. The cost of an auto insurance policy is generally determined by the amount of coverage, types of coverage chosen and other factors.
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Understanding the role deductibles play when insuring a car or a home is an important part of getting the most out of your insurance policy.
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Avoid these Common Mistakes and You’re on Your Way to Getting the Best Insurance for Your Needs and Budget
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Have you ever thought about what would happen to your family if something happened to you? All of us have at one point or another, even if it was in the form a frantic mental love note sent to family members during bad airplane turbulence. But concern for protecting your family financially doesn’t have to turn to worry if you follow these steps.
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Many people make the assumption that life insurance is for married couples and those with kids. While it is true that not all single people need life insurance, there are a number of reasons when it can make (really) good sense.
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Some people equate life insurance with tragedy and death. In truth, life insurance is for the living. Without it, the sudden demise of a key breadwinner could leave a family stranded without the resources to maintain their lifestyle—or even retain their home.
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