When you have small children living with you at home, or are expecting to soon, you want to make your home as welcoming and safe for your little ones as possible. Protecting your home with homeowners insurance is one key factor since they often cover more than just the house itself.
There are a lot of reasons you might carry a load on top of your car or pull one on a trailer behind you, including: moving to a new home, going on family vacation, going camping, and bringing home a large Christmas tree. You can never afford to neglect following proper safety precautions when you drive, but the dangers of getting into an accident are even higher when you're hauling items on your vehicle.
The most obvious purpose of homeowners insurance is to cover the cost of repairing and/or replacing your home in the event of fire, lightning strike, falling objects (often tree branches), wind storms, and other accidents or weather events.
Like all other drivers on the highway, drivers of motorcycles are required to carry insurance of some kind to compensate for expenses in a potential accident. In Florida, there is no specific type of insurance that you must carry: it can be any kind of motorcycle insurance or even a health insurance policy, provided it provides at least $10,000 worth of coverage.
Both dental insurance and vision insurance are often best purchased separately from a regular health insurance policy, whether or not your health insurance will cover at least some of those expenses.
Around 60% of US adults have some form of life insurance, even though some 85% say one really ought to buy a life insurance policy. That gap is unfortunate, and it may stem from many causes. But one reason people are reluctant to invest in life insurance may be they simply aren't sure which kind of policy to invest in.
There are many good reasons to be interested in a homeowners insurance policy, including the protection of personal property stored inside your house and protection against personal liability covering dog bites.
The number of uninsured motorists out on our nation's highways can obviously only be estimated, given that driving without auto insurance is illegal, but most sources say that at least an eighth of US drivers are uninsured, and Florida has often ranked number one in uninsured motorist rates.
In Florida, auto insurance minimums are $10,000 PIP (personal injury protection) and $10,000 PDL (property damage liability). And you might do well to add such things as collision, uninsured motorist protection, or even buy comprehensive auto insurance coverage.
There are some 50,000 home fires in the US every year due to electrical causes alone, and these result in around 500 deaths, over 1,000 personal injuries, and over a billion dollars in property damage.
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