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| Auto Insurance |
| The auto insurance market is very competitive with more than 300 companies offering coverage in any given market. Since no single
insurance company will always offer the lowest rates for everyone, shop around for the best combination of rates and services. U.S. drivers could save an average of $481 every six
months on auto insurance if they take the time to compare rates. |
| Home Insurance |
| The proper home insurance coverage consists of buying the right type of policy and having the proper levels of protection.
Including special provisions for jewelry, your computer stuff and other particularly valuable possessions and supplementing this coverage with special
protection against natural disasters that are not covered in your basic policy. Home insurance companies research a wide range of personal information including your
current occupation and employment history, marital status, previous addresses, date of birth, and Social Security number. Your insurance company will also want to know
if you plan to use the home for any business purposes, of if you plan to rent all or part of the house, both of which can increase liability. |
| Renters Insurance |
| Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion,
windstorm, and water damage from plumbing. Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member
or your pet, and pays legal defense costs if you are taken to court. |
| Term Life Insurance |
| Term life is life insurance for a set length of time - 10 years, or 20, or 30. It works like this: If you buy a 20-year
policy and die before the 20 years ends, your beneficiaries receive payment from the policy. If you don't die, you do not receive anything. This structure keeps the cost
of these policies low compared to other types of life insurance. And it lets you target a policy to your needs. |
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