Category Archives: Insurance

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Home or Property Insurance: Insuring Your Investment

If you are like most people, your home is one of the biggest investments you’ll ever make. As such, it is likely one of the biggest debts you will ever incur. Most of us do not have the cash on hand to pay for our house outright. This means that we need to do everything we can to keep the home in good repair while we are paying off the debt and even afterward.

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What Does Home Insurance Cover Provide For?

Most people who either own their own home or rent their own home are going to require or want some level of insurance cover, against both damage to the structure of the building, and against damage to their possessions or contents.

Home insurance, sometimes referred to as homeowners insurance, can provide differing levels of cover, with differing conditions attached to each specific level.

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Renters Insurance Will Keep Belongings Secure

An HO-4 insurance plan covers renters and their possessions up to policy limits but does not insure homes or their contents. Although affordable, most renters go without the inexpensive coverage, which typically costs between $10 and $20 per month.

An HO-4 insurance policy provides liability coverage as well as insurance for personal belongings, even when away from the rental unit. If a bicycle were stolen while in use away from the home, it would be covered.

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Comprehensive Protection Is Available With HO-5 Homeowners Insurance

An HO-5 homeowners insurance plan is an open-perils insurance policy that protects against all but excluded perils. The exclusive policy costs more than the popular HO-3 homeowners insurance plans that protect against many cited perils. But the open-perils protection of an HO-5 policy is more exclusive because homes must be newer and meet qualify standards for coverage.

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Home Insurance – Choosing a Company and Making a Claim

Home insurance combines various personal insurance protections covering a private residence. The policy will normally cover losses occurring to an individual’s home and its contents, loss of personnel possessions, additional living expenses through loss of use of the home and normally includes liability insurance for any accidents at the home, or at the hands of the homeowner on the premises.


Homeowners Insurance: The Beginning

Homeowners insurance is a required purchase today, unless you don’t have a mortgage. In fact, it is standard to the point it has become part of the home-buying process. The purpose is to ensure that the mortgage company will be able to recover financially if you have a loss from fire or natural disaster, since your house is their collateral for the loan.

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Are You a Heart Patient? Do You Have a Health Insurance Plan?

While there’s no dearth of diseases in India, there are some diseases that are growing at an alarming rate. The biggest killer in India though, strikes you right at the heart. Most people in India don’t take heart disease nearly as seriously as they do other diseases, believing it to be something they’ll worry about when they’re older.

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Health and Medical Insurance – Information You Need To Know

Health and medical insurance are a must if you don’t want to compromise on the quality of health care and at the same time reduce the cost to yourself. Many people tend to ignore health insurance because they think that an unforeseen emergency will never happen to them. However, the situations today are such that there are umpteen health hazards at home and in the workplace.

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Teaching Your Children The Importance Of Health Insurance

Health insurance is very important, but unfortunately many people take it for granted. People do not usually think about getting one’s health insured until they get sick and they have to put up with hefty hospital bills. It is always advisable to stay alert by getting medical insurance. With so many insurance companies today, it will be easy for you to find health insurance quotes and premiums that you can keep up with. Some only require a small amount of money to be paid every month to come to your health rescue when you need it the most.

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Fortune 500 Employees Can Expect To Pay More for Health Insurance

Employees who work for Fortune 500 companies are expected to pay higher health insurance employee contributions. These are findings from a survey conducted to evaluate the impact of The PPACA or Patient Protection and Affordable Care Act also popularly known as Obamacare. The survey findings show that there is a huge percent increase in the cost of health coverage and a huge percent has moved or is planning to move employees to the consumer directed health plans to deal with the increase.