A new report by the Insurance Information Institute (Triple-I) says most Americans do not appreciate the threat of cybercrime and are not buying insurance against it, despite its low cost. Americans have embraced the Internet of Things, with three out of five surveyed reporting connected technology in their homes and one-quarter in their vehicles in...
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Busting Auto Insurance Myths
Myth 1 – Red Cars Cost More to Insure Color is irrelevant. Speedsters may be inclined to purchase flashy red cars, but color is not a reliable metric for determining auto rates. Other vehicle characteristics do though count, such as car makemodel, body type, engine size and the age of the vehicle, as well as...
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Good News, Bad News about Car Theft
Even though car thefts are going down, car thieves are becoming more cunning. Car thieves are ingenious, always devising new ways to break into your car — and steal it. Their tactics include acquiring smart keys, which eliminates hot-wiring to steal cars; switching vehicle identification numbers; and using stolen identities to secure loans for expensive...
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Why You Always Need an Umbrella — Even When It Isn’t Raining
Bad things happen: that’s why people buy auto and homeowners insurance policies. But America’s love affair with lawsuits means your coverage could fall short. That’s where umbrella insurance policies come in. They provide a convenient and surprisingly affordable extra layer of protection for your key assets. What happens if you are sued for causing an...
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Quick Guide to Renters Insurance
In a sense, renters insurance is homeowners insurance — without the building. If you rent a house, flat or apartment, you are not typically responsible for insuring the building. But most other features of homeowners insurance do apply to your situation as a renter. Like homeowners insurance, renters insurance includes three key types of financial...
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Do You Know What’s REALLY in Your Homeowners Policy?
Many homeowners don’t. The Insurance Information Institute surveyed homeowners to find out how well people understand their policies. Here are some of the findings of the III’s 2016 Consumer Insurance Survey. Does homeowners insurance include flood coverage? Forty-three percent of homeowners mistakenly believe that damage from heavy rain flooding is covered under their standard homeowners...
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Protecting Your Family from Dog Bite Liability
The Insurance Information Institute (III) reported that dog bite claims cost an average of $33,230 in 2016, an increase of 36% since 2008. If you own one or more dogs, do you have the insurance coverage to protect you from dog bite liability? A dog may be man’s best friend, but dog bites account for...
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Five Practical Tips for Buying the Right Car Insurance at the Right Price
If you need insurance for a new car or you’ve been routinely renewing your car insurance with the same coverage and limits every year, it makes sense to evaluate your options before buying or renewing. Here are five practical tips: 1. When a car is new, you will likely want collision...
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Individual Health Care Marketplace Faces Serious Hurdles
There is good news and bad news on the individual health care front. First the bad news. Bad News Today it’s much more difficult for individuals in certain parts of the country to purchase federally subsidized health care coverage on the Affordable Care Act (ACA) marketplaces. Many major insurance companies, such as UnitedHealth Group, Humana...
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Smart Ways to Plan for Retirement Savings
If you have already started saving for your retirement, congratulations! You’re on the right path. However, just saving money will not be enough to ensure a comfortable retirement if you don’t make the right decisions concerning your plan. The following tips will help you get the most out of your retirement savings: Find a Plan...
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