Insurance Insights

If you think you don’t have enough stuff to warrant buying renters insurance, think again. It would surprise to find out how fast your items can accumulate and how costly it can be if you need to replace them.

When you own a condominium, you don’t own the entire building or the property your condo sits on. Therefore, your condo association will have its own master policy for insuring the building and paying for any accidents and damage that occurs on the property outside and the common areas.

When your pet needs an unexpected veterinary treatment, this can cost you hundreds of dollars. Even if you have a healthy pet, illnesses and accidents can happen unexpectedly. Pet insurance can alleviate some of the financial burden allowing you to focus on the recovery of your pet instead of its medical bill.

If you ride a motorcycle, it’s a very good choice to enroll in a motorcycle safety course. This teaches both new and experienced riders how to handle their machine safely and confidently when out on the road. Laws relating to requiring motorcycle training or safety courses vary depending on which state you live in. However, the knowledge you can gain through putting yourself through a safety course is invaluable.

Whether you’re searching for a new home or already own one, knowing the average rates of homeowners insurance is essential. It will enable you to anticipate what your expense is and create a budget while you’re comparing homeowners insurance quotes.

Outdoor structures can protect you from the elements, provide shade and simply be a place to entertain or relax. A pergola is one such structure and is used to provide shelter for seating areas and cover walkways. It is typically rectangular in shape and has four legs holding up its roof which is commonly flat and open and consists of horizontal wood planks. Typically, a pergola adjoins a home to serve as an elegant outdoor setting or sits in your garden.

If you’re planning on taking a road trip, not only should you prepare, but you should be safe. This means being safe from things like bad weather, car breakdown or reaching your destination safely. Thankfully, there are road trip safety apps that can help lead the way. Here are four useful apps to have on your smartphone.

Coming home and finding that your home was broken into can be frightening. You may naturally feel vulnerable and scared and feel you can’t ever be safe again. This is understandable since, in 2010 alone, there were over 2,159,800 burglaries, according to the FBI, not to mention burglaries accounted for more than 23 percent of the approximate number of property crimes during this year.

The idea of cheap car insurance for teens may feel a bit like an oxymoron. Teens present much greater risk for insurance companies and may result in startling premium increases — $1,500 per year, on average, according to NerdWallet.

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