When you're closing on a new house, there are a lot of little details to think about. One of the ones that many new homeowners often overlook is that of flood insurance. While mortgage lenders may require flood insurance of some borrowers, it may not be required of all depending on the flood zone the home is in. In addition, if you pay cash for the house, it's up to you to decide if you're going to opt for flood protection.
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When you are self-employed, it can be difficult to establish the separation between your home and your business. Many of those who are self-employed believe they don't need any type of business insurance because they already have homeowners insurance that can protect them. However, homeowners insurance is not required to provide coverage for certain situations that are business related, even if it happened inside of your home. For this reason, you want to know the three main reasons you need business insurance to provide protection where your homeowners insurance will not:
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If you have spent years dreaming of owning a car that has never belonged to anyone else before and you are finally at a point in life where doing so is possible, the choices you make with your auto insurance now can have a dramatic impact on your future. Although the majority of responsible adults in the United States today are likely to be aware of how important car insurance is, you could make small policy mistakes that could cause big problems in the future.
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Purchasing homeowners' insurance is a necessity that comes with buying a house. While it does represent an additional expense, it's important that you look at all of your options instead of just going with the cheapest policy available. Your specific situation might require that you get coverage for some things that might not be available in a basic homeowners' policy. Here are 3 additional types of property insurance that you might want to add to your existing homeowners' policy.
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It doesn't matter what type of incident you have been involved in, to settle your claim with your insurance provider, you generally have to work with a professional claims adjuster. For many people, this idea invokes a level of fear as there is often the idea that the adjuster isn't on your side, but instead the side of the insurance company. Most of these fears surface due to misconceptions. Make sure you know fact from fiction.
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