Homeowners insurance policies vary from country to country, insurer to insurer, US state to US state, and (when customized) from individual to individual. But in many countries, including in the USA, there are standard coverage classifications and typical coverage limits you should be aware of. Why? Because these are the nuts and bolts of the average standard homeowners insurance policy in the US, and your insurer will likely offer something very similar.
It's sometimes obvious that you need a commercial auto insurance policy as opposed to a personal auto policy, but other times, it may not be. But to legally drive in Florida, you have to have the appropriate type of car insurance.
Like all insurance, motorcycle insurance is based on calculated risk, both from the insurer's and the insured's perspective. Thus, how much protection it's worth it to you to buy depends on the likelihood and severity of particular types of covered losses, relative to the cost of coverage.
There are many reasons a business could get sued, and some of the most common ones are tied up in relations with employees and former employees. And that's generally the domain of workers compensation insurance.
Florida has one of the highest rates of motorcycle ownership in the country and some of the most lenient laws on motorcycle insurance in the USA as well. But if you've never bought a motorcycle insurance policy before, you may not be aware of how they differ at points from auto insurance.
In Florida, from June through November, it's hurricane season and those who own homes are wise to prepare them both physically and with high-quality homeowner's insurance. The same goes for the millions of Floridians who own boats and would do well to get them ready for hurricane season - and that means both taking physical precautions and investing in a quality boat insurance policy.
Your number one motivation for purchasing homeowners insurance is to protect your home itself, be it during Florida's hurricane season or from fires and other damage that can happen any time of year.
Although only 1% of US pets are currently insured, that number is growing fast with each and every passing year, in sync with the ever-rising costs of veterinary care. But before you sign on the dotted line, you want to make sure you understand what exactly pet insurance does and does not cover. Companies and policies will vary somewhat, and you can always increase coverage limits or add certain riders to expand cover.
Almost every business type of every size would do well to cover itself with general liability insurance. After all, if you don't - you will become "generally liable" for a host of damages in potential lawsuits. And the things covered by general liability won't be covered by workers comp or other commercial insurance types.
Since ordinary health insurance policies don't usually cover most dental procedures, except for accidental injuries and for children, it makes sense to add a separate dental insurance plan to your overall strategy for coping with potential healthcare costs.
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