Insurance Insights

Anyone who has state minimum auto insurance has, at least some, liability insurance coverage. The raging debate is whether this minimally required insurance is adequate for the realities of an auto accident today – and what can happen to you if your liability car insurance is not up to the task.

You just found a good apartment that fits your style and price range and you’re all ready to move in. But, before you get packing those boxes and loading up the moving truck, you should do an apartment walkthrough. This is similar to a home safety checklist, except you’ll be walking through and apartment with the rental agent or your new landlord to determine if there are potential problems or current problems that need repaired before you move in.

You’ve probably asked yourself if yourself this question:  ”Do you have to have car insurance?” The answer is emphatically yes. When you get behind the wheel and start driving, you better have at least the minimum coverage required by your state. But, that’s not the only reason you should have auto insurance. Here are some reasons you should invest in a good policy.

A residential home emergency generator can be the difference between unbearable heat and spoiled food to keeping your home mold-free and dry after a storm. If you live in an area that’s vulnerable during hurricane season, power outages are commonplace and can last for several days. By installing an emergency generator you can reduce damage and losses and therefore, save money on your homeowners insurance due to fewer claims.

Many people make the mistake of thinking that auto insurance is a one size fits all proposition and that once you have it, you’re covered for all contingencies. Many of these same people believe that by purchasing the state minimum coverage for auto insurance, they have complete coverage for accidents.

You may not want tothink a sinkhole will one day suck up your home. But, it can happen and the costs that are left behind might even seem worse. Therefore, it’s important that you prepare for unfortunate disasters like this, know what to do if one strikes and make sure you’re properly insured.

There are many people who enjoy collecting antiques — whether it’s furniture, art, coins, collector cars, dolls, figurines or fine wine. Having something happen to your treasured possessions may be hard to imagine. However, if it happens, there is collectibles and antiques insurance that can cover your hard-to-replace valuables in your household.

Once you’ve decided on that new home you’re going to buy, it’s important that you hire a home inspector (or do it yourself if you can’t afford a professional) to come in and find the various home repairs that can mean hidden costs.

Cleaning your clothes dryer vent is just as important as any other household chore. In fact, it’s necessary. This is because your dryer’s lint trap doesn’t always catch all the lint that’s formed during the clothes drying process. Small particles of this lint are carried along through the vent hose as the moist air exits.

The World Wide Web has changed the world. It makes things that once took days and endless hours of frustration easy to accomplish in a matter of minutes and with a few keystrokes. You can even accomplish things, like getting cheap car insurance quotes online, through your mobile phone or tablet when you’re on the move or in a hurry. However, not all cheap insurance is created equally. Below are a few things you need to keep in mind about cheap car insurance options online before you buy.