The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the size of your house and your insurance company. From shopping around to making home improvements, here are some ways to save money while you adequately protect your home and assets.
A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism.
As the deer populations grow and urban habitats continue to encroach upon rural environments, there has been an increase in deer-car collisions. Deer-vehicle collisions are dangerous and costly so, though collision with an animal is covered under the comprehensive portion of your auto insurance policy, it's always preferable to avoid an accident in the first place.
Having your vehicle stolen is bad enough, but carjacking—having it taken while you're behind the wheel—is potentially dangerous, even lethal. Foil would-be car thieves and keep yourself safe with these precautions.
In general, drivers over the age of 55 are more courteous, and more likely to obey speed limits and follow the rules of the road. And those who are retirees often drive many fewer miles than when they commuted to work on a daily basis.
Road rage incidents are not only dangerous, they are exempted from coverage by many auto insurance policies. Understand your risks and take precautionary measures to avoid being a victim—or a cause—of aggressive driving accidents.
Distracted driving is the cause of a large percentage of auto accidents each year. Teen drivers are especially at risk, and employers may be liable for their employees' distracted driving incidents. Avoid being a distracted driving statistic with these safety reminders.
If you are in an accident or your car breaks down, safety should be your first concern. Getting out of the car at a busy intersection or on a highway to change a tire or check damage from a fender bender is probably one of the worst things you can do. The Insurance Information Institute recommends the following precautions when your car breaks down:
The more safely built the car you buy, the better the chances of your surviving an accident. Protect yourself and your passengers by understanding the factors that make a car safe and making your purchase accordingly.