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Shopping for Homeowners Insurance? What you Need to Know

Whether you are purchasing your first home insurance policy or seeking to update your coverage, talk with your SelectQuote agent to make sure you’ve got your bases covered. Things may seem complicated, even with a basic understanding of how home insurance coverage works. It makes sense to have questions for an expert when you shop for homeowners insurance. Here are five important questions to ask your SelectQuote agent about homeowners insurance. Does my homeowners insurance policy cover replacement cost or the actual cash value? Insurance agents strongly suggest replacement cost policies. However, some homeowners purchase actual cash value policies because…

What You Need to Know About Motorcycle Insurance

For motorcycle enthusiasts, a weekend trek with the motorcycle community is many rider’s idea of paradise. Don’t have the right motorcycle insurance? Paradise can quickly turn into something else. To stay in motorcycle bliss, make sure to protect yourself, your precious bike and others. Before selecting or renewing motorcycle insurance coverage, here’s what you need to know. First, you need insurance. Most riders are required by law to — at a minimum — to purchase liability coverage. Motorcycle Liability Coverage: Bodily Injury and Property Damage For motorcycle liability coverage, there are two different types: bodily injury liability and property damage…

Home Sweet Homeowners Insurance: Everything You Need to Know About Getting Covered

There’s no place like home. That’s why it’s so important to protect your home with homeowners insurance. While the paperwork can sometimes seem overwhelming, there’s nothing more rewarding than the peace of mind that comes from knowing you have the right amount of homeowners insurance. If you’re ready to get a better understanding of how your coverage works and to see if you need to make any updates to your policy, these tips can get the job done faster than you imagine. Homeowners Insurance Requirements First things first. For most of us, homeowners insurance isn’t optional. Why? We don’t actually…

How to Insure Your Car for a Short Period of Time

In doing auto insurance research you may have run across some information about temporary car insurance. If you ask Google “Do I need temporary insurance for my situation?” we have the answers. In most cases, experts say, additional auto insurance is not necessary or even useful. Exceptions pop up, but chances are the comprehensive auto policy you already have also will work in a “temporary” situation. Realize something else: With some exceptions, “temporary insurance,” usually means terms lasting six months or a year. However, it’s also the kind of agreement you can cancel once you no longer need it. No…

High Blood Pressure No Barrier to Life Insurance

If you’re among the 75 million Americans – that’s one in every three adults – with high blood pressure, there’s a lot you can do to control it and reduce your risks of heart disease and stroke. Living well with high blood pressure (hypertension) also means you can qualify for life insurance even if you’ve never applied, are middle age or older, or have been turned down previously. Underwriters – the people who review your life insurance application and assess if you’re a good candidate for insurance coverage – look at your overall health and your lifestyle, along with your…

7 Resources for Making Sense of Medicare

It’s open enrollment season for Medicare. If you’re currently enrolled in Medicare, you have until December 7 to review the various plan options. This is the time when to decide which are right for your health insurance needs and finances. These are the same decisions you would make if you’re enrolling for Medicare for the first time—which you can do starting three months before your 65th birthday and up to three months afterward (or eight months after retirement if you work past 65). If you fall into either camp, or need to help make these choices for a parent or…

How to Avoid Mistakes When Choosing Medicare Plans

“A problem well-stated is a problem half solved,” said renowned inventor and businessman Charles F. Kettering. With the number of options, choices and deadlines facing you when making Medicare decisions, it’s not difficult to run into a few problems. In some cases, you may not realize it until it’s too late. So, what are some mistakes when choosing a Medicare plan? Here are five of the most common: Staying the Course Without Reviewing Your Current Medicare Coverage You signed up when you were eligible. That’s good. But inertia can be a dangerous thing. One of the most common mistakes is…

Disaster Strikes Your Second Home: Are You Prepared?

Once you decide you’re financially ready to buy a vacation home, one important step is insuring your new pad. It’s different than buying insurance for a primary residence. Factors such as where it’s located, who stays there and what amenities are available will help determine your home insurance needs. Your Vacation Home Versus Mother Nature For many people, the whole idea of a vacation home is to be closer to a sandy beach or among the crisp mountain air. That perfect location for rest and relaxation may come with some additional insurance costs. Hurricane season and intense rainstorms underscore the…

Retaining Life Insurance for Peace of Mind

As a driver and homeowner, you are required to carry home and auto insurance. If all goes well, you’ll never experience a car accident, home invasion or natural disaster that makes that insurance worthwhile. The peace of mind it brings is worth it. And although life insurance isn’t mandatory, it provides an immeasurable benefit to loved ones when we pass away. When we think about family, the real value of life insurance becomes evident. Family Values Every single one of us will face the end of life. When that time comes, what will your life insurance be worth? Not in dollar value,…

Four Steps to Make the Most of Open Enrollment

We’re headed into one of the busiest times of the year. Between buying the Thanksgiving turkey and shopping for holiday gifts, you’ll find selecting your employee benefits on your to-do list. It might be tempting to let your benefits plan from last year roll over into 2019. However, experts advise against the set-it-and-forever-forget-it model. Open enrollment is your golden opportunity to sign up for your 2019 benefits. Take time to review your current benefits plan and ensure you’re taking full advantage of what’s offered. Here are four steps to help you make the most of open enrollment. Step One: Outline…

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