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Car Insurance Matters


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Car Insurance Matters

I still remember the day that I drove off of that used car lot with my first car. In my excitement to show off my new ride to my friends, I smashed my car into a telephone pole. Although I can laugh about the accident now, it was devastating at the time. In addition to completely destroying my reputation, I also had to deal with the expenses that were involved with the wreck. Unfortunately, I hadn't purchased car insurance, so I had to foot the repair bills on my own. After getting my car fixed and thinking about my actions, it was very clear to me that I needed to invest in a car insurance policy. I decided to learn as much as I could about insurance, and that is one of the reasons that I decided to become an insurance agent.

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3 Reasons Homeowner's Insurance Is A Lifesaver

Like many other areas of life, the acquisition of homeowner's insurance is something that you must handle in order to protect your interests and well being. People that want to make the most of their home and protect it like the investment that it is should shop for the best homeowner's insurance policy for their particular needs. In the meantime, make sure that you internalize some of these benefits of having great homeowner's insurance, so that you are able to give yourself the plan that you need. 

#1: The Ability To Get Emergency Repairs 24 Hours A Day

While many people think of homeowner's insurance as a means to get a check to overcome emergencies, many homeowner's insurance plans also allow you to get repairs on the spot. For instance, if your home was vandalized and you need someone to fix the door or window, or if you're dealing with flooding due to a busted pipe, your homeowner's insurance company can dispatch someone to your site in order to help you right away. Taking advantage of this part of your homeowner's insurance allows you to get repairs when other contractors might be done for the day, without having to pay out of pocket. 

#2: You Get Coverage Against Liabilities

You might just think that homeowner's insurance covers your property itself, but it also protects you from liabilities that occur on your property. For instance, whether a person slips and falls due to your porch not being secure, or if your dog bites and injures someone, you'll be covered as part of your homeowner's insurance. You can typically get liability coverage between $100,000 and $300,000, depending on the plan that you sign up for. Make sure that liability coverage is a focus when you decide to get a plan. 

#3: The Plans Get You New Items To Replace Old Misplaced Ones

If you have misplaced or broken an item that you have grown fond of throughout the years, you get the benefit of the newest model, free of charge, when you make a claim through your insurance plan. This comes in handy for a number of possessions inside of your home and prevents you from having to try to replace an item that might be obsolete or hard to find. This also comes into play if you are the victim of theft or vandalism. 

Consider these valuable benefits as you shop for a homeowners insurance plan that suits you and protects your investment.