Insurance-policy sentence example
To their surprise, Josh had a $150,000 insurance policy Lori didn't know about.
And don't forget the insurance policy of 10,000 salawat alawat ala rasul (durood Shareef) upon one self as a guarantee protection.
Have allowed it pulling out of and insurance coverage expat medical insurance policy analysts did.
Unanticipated medical bills for you or a family member that are not covered by your health insurance policy or HMO can become staggering.
If any liability under this insurance is covered by any other insurance policy We will not pay more than Our rateable proportion.Advertisement
Always learn what the maximum coverage amount of your health insurance policy is.
Be absolutely sure you carefully review the "Conditions and Coverage" section of your homeowners insurance policy.
You should also learn what is-and more importantly-what isn't-covered in the homeowner's association's insurance policy.
It is imperative to make certain that all three categories are covered in the dental insurance policy you select.
If you believe you may need major dental work at some point, take the time to find an insurance policy that meets these needs.Advertisement
An insurance policy might make good sense if the premium is affordable.
If your car or home is damaged, your insurance policy is the first document you will rely upon.
Borrow against an insurance policy or 401(k) plan- Either of these options can give you quick access to cash.
This insurance policy might tack on as much as an additional fifty dollars or more a month.
You can even use it in conjunction with other types of coverage though, such as a clause on your car insurance policy.Advertisement
To do this, go to the special insurance policy website and click on start claim report.
Don't forget that your American Express Car Rental Insurance policy doesn't go into effect unless you charge your car rental on your American Express card.
It's a very good idea to include a provision that a life insurance policy be put in place for the paying spouse for the total amount of alimony that he or she could be expected to pay.
After it was settled that some of his assets would be sold to pay off his debt, came the issue of the life insurance policy he held.
When the issue of Jackson's life insurance policy arose, there was much speculation that it would not be paid out because the multi-million dollar policy excluded "illicit drug use."Advertisement
Other ways to finance your home improvements that you may want to consider as last choice options include borrowing money from your 401K, borrowing money from your life insurance policy or cutting a deal with the contractor.
Annuities are an investment in a life insurance policy that offers steady lifetime payments after an initial investment.
Choosing a whole life insurance policy will provide the insured with coverage for his or her lifetime.
Lift chairs are often considered "durable medical equipment" by an insurance company and may be covered under a health insurance policy if prescribed by a physician.
Getting an insurance policy as a senior is a big decision, and it's important to find a good deal as well as a reputable company.Advertisement
A life insurance policy is a big purchase, so plan to shop around for quotes before making any decision.
Many senior citizens choose to take a life insurance policy in their later years to ensure that their final expenses are not a burden to loved ones.
This type of life insurance policy also accumulates a cash value that the insured can borrow against.
Traditional whole life insurance guarantees a minimum rate of return on the cash value of the insurance policy.
Interest sensitive whole life insurance provides a variable rate of interest on the cash value portion of the insurance policy.Advertisement
This type of insurance policy allows the policyholder options such as choosing higher death benefits without higher premiums based on the policyholder's cash value rate of return and the economic situation at the time.
A term life insurance policy only provides death benefits if the insured dies during the term of the policy which typically has a duration of one to thirty years.
However, over time the premiums for a term life insurance policy do increase.
Long-term care insurance, known as LTC or LTCI, is an insurance policy that helps pay for the areas of long-term care that are typically not covered by Medicare and other health or medical insurance policies.
If the insured person dies during the time when the insurance policy is in effect, the insurance company pays the amount of the death benefit to the beneficiary of the policy.Advertisement
The death benefit on a term life insurance policy is fixed, which means it is the same amount regardless of when the person dies within the term of the insurance policy.
In terms of money, it means the insurance company has more of a risk of having to pay the death benefit on a senior’s term life insurance policy than they do on a younger person’s policy.
However, there are also life insurance companies that do not require a physical examination in order to qualify for a term life insurance policy.
If your homeowners insurance policy rate has increased, and your escrow account covers this too, then this might have a hand in the higher payment.
It applied to homeowner's insurance charges and related late payment fees imposed by Fairbanks when the borrower already had an existing homeowners' insurance policy.Advertisement
Frequently, mold and wind are not covered by a standard homeowner's insurance policy.
A lot of your income during maternity leave will depend on whether or not you're insured and how your particular insurance policy works in this instance.
Be sure to check your dental insurance policy to see if some, or all, of the cost of implants is covered.
Your insurance policy may have a deductible that requires you to pay an initial fee, but more extensive damage would be covered by the policy.
In any case, if your ring is lost, a comprehensive insurance policy can help replace it.Advertisement
An actual value insurance policy replaces the cash value of your engagement ring minus the depreciation from its use.
If the ring is lost or stolen, the insurance policy pays the amount you have set, even if it is higher than the appraised value of the ring.
Many people opt to purchase discount prescription drugs because their insurance policy doesn't have a good prescription plan.
Apply for programs to assist with therapy -- Parents who choose this route should be sure to check into their health insurance policy to ensure that expenses will be covered.
Yet it's still important to effectively communicate information, such as next steps for a project or a change in the health insurance policy.Advertisement
Insurance - If you have a good car insurance policy on your personal vehicle, it's usually not necessary to purchase the rental car company's insurance.
It may, in fact, be a kind of insurance policy against injury, just like the proponents claim.
Your abs are the most important insurance policy against back problems.
Likewise, blue collar workers benefit greatly from core training (abs, lower back, hips) since this is the best insurance policy there is against back pain and injuries caused by insufficient muscular support when lifting things.
Keep your abs tense - This is the numero uno insurance policy against back problems.
The form takes about ten minutes to fill out and asks for information about your current insurance policy and your driving record as well as personal information like occupation and marital status.
Make sure you have your current insurance policy handy so you can compare the options.
A renter's insurance policy protects the contents of the unit from losses resulting from fire, theft, vandalism, and plumbing system freezing.
When moving into the state, drivers must verify that their insurance policy is valid in New York and update it to meet New York requirements, or they will be unable to register their vehicles.
In many cases, you can probably transfer your current insurance policy to Florida.
When your Florida car insurance policy is canceled, whether it's due to non-payment or if you don't renew it, the Department of Motor Vehicles (DMV) is notified.
They do, however, need to protect their furniture, electronics, clothing, and other personal items with an insurance policy to cover these items.
Emergency road service provides protection against typical everyday mishaps, such as lockouts, jump starting your car battery, and any other problem not covered by your standard car insurance policy.
The proceeds of a life insurance policy can also be used to pay for a child's post-secondary education or to fund the surviving spouse's retirement.
However, if you already know what company you want to work with, it may be quicker and easier to obtain an insurance policy from their site.
There is no point having a health insurance policy if it is not accepted at your local hospital or an automobile policy that is not accepted at your favorite body shop.
Your car insurance policy may also cover property damage liability in case your car damages someone else's personal property.
Each time your insurance policy is about to expire, get a new quote from another company to see if the other company can beat it.
Having an umbrella insurance policy in place protects the individual's savings, retirement plan, and other assets in this instance.
A tenant's insurance policy protects the policyholder's belongings.
Many companies offer discounts on car insurance, for instance, to those that get a renter's insurance policy.
Medicare supplemental is a health insurance policy sold by private insurance companies and agents.
In some cases, you may be turned down for coverage if you have a pre-existing health condition or if your current health insurance policy has been cancelled.
An extended auto warranty is not, contrary to popular belief, an insurance policy.
It covers items that are damaged in fires, by water, by wind, or other natural and unnatural events that are covered under the insurance policy.
Home warranty insurance is similar to homeowner's insurance, but provides coverage that a basic homeowner's insurance policy can't offer.
After a certain level, the rate often drops, which means that a life insurance policy that provides $250,000 in coverage may actually cost less than a policy that offers $240,000 in coverage.
Does the insurance policy cover visits to specialists, such as orthodontists, periodontists, and oral surgeons?
If you are on a limited budget, you can purchase a term life insurance policy with a minimal amount of expense.
If you want to have insurance for the long run, a permanent life insurance policy from Protective life may be your best option.
Though this type of insurance policy is more expensive than term insurance, it does offer certain investment benefits.
Their website claims that you could save more than $600 on your auto insurance policy.
To make sure that you are properly covered, you may want to consider purchasing additional coverage for your trip in the form of a travel health insurance policy.
Check your current health insurance policy or call your insurance company to determine whether or not your current health plan will provide insurance coverage while you are traveling.
If you plan on traveling or staying in South America for a short or extended period of time, you may want to consider purchasing a South America travel insurance policy.
Review your health insurance policy before you travel.
Make sure that you have coverage, and if you don't, consider purchasing a South America travel insurance policy.
Their prices are competitive and most individuals find they can save an average of $359.00 each year by purchasing an AIG auto insurance policy.
Your AARP insurance policy can never be cancelled without your permission.
This insurance policy can give you excellent life-long coverage.
A life insurance policy can help your family by alleviating some of the financial burden that will inevitably result after your death.
The deductible amount that is noted on your health insurance policy is the amount of money that you will be required to pay before your insurance benefits kick in.
Exclusions - There are some medical services that your health insurance policy will not cover.
While many travelers don't bother to get an international health insurance policy prior to traveling, it is still a good idea to have one.
A person taking out an insurance policy through a top-notch company for travel to Istanbul will probably pay much more than a person who chooses to do business with a lesser-known insurance company for travel to Switzerland.
This means carefully combing through your health insurance policy to see what will or will not be covered.
If you have moderate experience with purchasing auto insurance, or have learned what to look for, you can purchase an insurance policy on you own with confidence.
Whole Life Insurance - This policy builds up a cash value in addition to being a simple life insurance policy.
Applicants can contact a company representative to discuss which life insurance policy is the best fit for their particular needs.
Raise the deductible of their insurance policy.
Safeco offers umbrella insurance at low rates which will pay for expenses above and beyond a homeowner's insurance policy.
Not every employer-provided health insurance policy covers dental work, so people often find themselves shopping around for dental coverage on their own.
Be sure to read all of the information on the insurance policy before you sign up for coverage.
Although a discount dental plan may be used in conjunction with a dental insurance policy in some cases, many people who purchase a discount plan do so because they cannot afford monthly premiums for a dental insurance plan.
A BIP or Business Insurance Policy covers a business and the contents of their buildings.
For example, private rooms are often excluded from being covered by your insurance policy.
Obtaining UK online car insurance quotes is quite simple, and a great way to shop around before purchasing an auto insurance policy.
If you are thinking of hitting the open road this summer with your trailer or RV, it is time to update your travel trailer insurance policy.
The coverage is also different for each state, so it is important to check with the insurance company that is issuing the travel trailer insurance policy for the limits of coverage, especially if you are traveling out of state.
If you are a frequent traveler or have a very expensive rig, you may want additional coverage not included with a basic travel trailer insurance policy.
This insurance provides coverage that may not be included in your homeowners insurance policy.
If you need insurance in a hurry, an immediate insurance quote may be the fastest way to get an insurance policy.
One of two things will happen; you won't be able to leave the car lot without car insurance or you won't be able to register or sail your boat without that insurance policy.
If, for example, you request low medical payment coverage for yourself, you should have at the very least, a health insurance policy that provides full coverage for you and your family in the event of a serious accident.
The litmus test for any insurance underwriter is to see if the information you provide matches your driving record or other insurance policy history.
Once an insurance policy has been issued, an insurance payment will be due, usually at inception.
On the other hand, if you have a family with young children, it may be more cost effective to have an insurance policy that offers more comprehensive coverage.
Insurers of classic cars do not only ask questions about the classic car to be insured, but also about other factors which can influence the vehicle's eligibility for an insurance policy.
Some insurance companies will require appraisals for the vehicle prior to issuing an insurance policy.
Furthermore, some classic car insurers will require proof of acceptable maintenance and upkeep on classic cars during the life of the insurance policy.
Classic car owners should ask about any potential discounts when paying for the insurance policy.
A Panasonic camcorders warranty is meant to provide coverage in the event of defective equipment, and is not necessarily meant as an insurance policy to protect against future damage.
Many property owners choose to purchase their flood insurance through the same company that issues their homeowners insurance policy.
There is no standard flood insurance policy that covers every single instance of flooding within a home or other property.
Does the insurance policy include international coverage?
Unless the appliance is used for an unusual purpose related to the rural environment then an average appliance insurance policy is usually sufficient.
If, for example, an owner uses his or her yacht to carry illegal drugs and incurs damage during the encounter, the insurance policy will not cover the costs to repair the damage.
When the yacht is used for profit, it changes the scope of the insurance policy and makes regular policies inadequate.
Various insurance exclusions can prevent you from obtaining an insurance policy at a reasonable price, and can sometimes prevent you from receiving insurance altogether.
Life insurance companies also vary greatly in the products they offer and the amount of money they charge for policies, so it's important to do some comparison shopping if you're in the market for a term life insurance policy.
Term life insurance refers to a life insurance policy that is for a specific period of time.
Term life insurance is usually a less expensive option than a whole life insurance policy.
There are several factors that insurance companies consider when figuring out the cost of premiums on a homeowners insurance policy.
When you pay your premium for a permanent life insurance policy a portion of it is held in a cash reserve.
Keeping a permanent life insurance policy in force until you die offers added freedom and security in your senior years.
The information provided by this department can assist residents in learning as much as possible prior to actually purchasing an insurance policy.
If your beloved pet needs surgery, X-rays or prescriptions, a VPI Pet Insurance policy can take the sting out of deciding between cost or treatment.
Pet WellCareProtection is available as a rider to your insurance policy and offers coverage for optional routine care.
A standard homeowner's insurance policy insures the home itself and the things you keep in it.
The Standard Fire Insurance Policy forms are often part of the homeowner's insurance package.
A landlord insurance policy offers coverage for damage to your investment property, while you earn a steady income from it.
In fact, a landlord insurance policy is actually a package of different coverages - some come standard with the policy, while some are optional.
A comprehensive insurance policy provides coverage for any damage to your property, unless it is specifically excluded on the policy.
Large appliances, such as washers, dryer, and refrigerators may be excluded from the policy as well and may require a specific appliance insurance policy.
We can define term life insurance as a temporary life insurance policy.
A term life insurance policy is typically written for a five-year to thirty-year term.
It is the simplest, most basic life insurance policy available on the market today.
A term life insurance policy offers coverage that expires at the end of the policy term.
A permanent life insurance policy offers coverage throughout your lifetime.
A term life insurance policy has no returns or cash value beyond its stated death benefit.
This is the good ol' mortgage life insurance policy that is typically marketed to homeowners.
This is a relatively new type of term insurance policy.
A term life insurance policy is a valuable financial tool to use if you need to protect your family and hard-earned assets for a specific period of time.
You may already be covered for losses involved with a rental car depending on how you pay for the rental car and your existing auto insurance policy.
If you're wondering where to get rental car insurance you may not have to look much further than your existing auto insurance policy.
Before purchasing an insurance policy for a rental car, contact your existing policy holder for your car insurance and ask them if you already have coverage for rentals.
Whenever you rent a car you will inevitably be offered an insurance policy to cover you for the duration of the rental period.
You can buy a completely separate auto insurance policy solely for a rental car through your existing insurer, or you can choose from one of the many providers offering these policies online.
Look carefully when considering which group health insurance policy to offer your employees.
Finding the best group health insurance policy for your employees is an important part of having a comprehensive benefits package.
A service member can convert their VGLI term insurance policy to a commercial permanent policy at any time.
The spouses and dependant children of service members can purchase a VGLI insurance policy.
Some employers offer retirees the option to maintain their coverage on the employer's group insurance policy.
They will not have the lower premiums offered with a group insurance policy.
The actual home or apartment should be covered by an insurance policy paid for by the landlord.
Flood insurance is not covered in a standard homeowners insurance policy issued through Progressive, although damage from flooding may be covered adequately by a renters or condo insurance policy.
For more information regarding an existing home insurance policy through Progressive, contact a customer service representative or check your policy.
Admittedly, mere money cannot make up for their loss, but the benefits paid out by an insurance policy will mean that they won't have to deal with the added stress of financial loss.
Term life insurance - This is the simplest, least expensive type of life insurance policy.
Condo owners and residents can obtain an insurance policy to cover damages and losses to personal property within the condo.
Current customers can file claims as well as check the status of their insurance policy online or over the phone.
It may be cheaper for most of the family to be insured under one plan, while the person who presents a higher risk can arrange his or her own individual health insurance policy.
Survival Auto Insurance will also help you manage your coverage when you buy an insurance policy from them.
In addition, if your auto insurance policy is canceled, you'll be able to log into your account through Survival and request reinstatement.
It's not uncommon to find a health insurance policy that includes coverage for chiropractic, acupuncture, or massage therapy treatments.
Review your health insurance policy carefully to see whether you have coverage for any type of alternative or complementary medical treatments.
If you need help deciding how much car insurance to purchase, or if your automobile insurance policy seems utterly foreign in the words used, contact your insurance representative and request a thorough policy review.
Don't feel apprehensive about asking as many questions as you need to in order to understand your car insurance policy.
A whole life insurance policy is not restricted to a set period of time.
Since the investments are under the umbrella of a life insurance policy there can be certain tax benefits to investing this way.
The original terms of the universal life insurance policy determine whether the beneficiary of the policy receives a predetermined lump sum or instead receives the lump sum in addition to the cash value of the investment account.
While some financial experts extol the virtues of an investment account sheltered under a life insurance policy, others stress that a simple term life insurance policy is the best option and investments should be kept separate.
Liability insurance - which is usually included within a homeowner insurance policy - also covers homeowners in the event of a lawsuit stemming from a visitor's injury on the property.
People who are self-employed must often choose to purchase an individual health insurance policy if they want to be covered in case of an illness or medical emergency.
Private insurance companies need more information than geographic location, gender, and age before they can issue a health insurance policy.
Other factors may change the cost of your health insurance policy including your occupation and any dangerous hobbies you partake in such as riding motorcycles or participating in certain extreme sports.
If you're a Tricare medical insurance policy holder or an authorized beneficiary of a policy holder, you can use this site to find out just about everything you might want or need to know about your coverage.
This kind of business insurance policy provides coverage for claims of sexual harassment, discriminatory hiring practices, wrongful termination, illegal denial of employment and other related issues.
However you can still reduce the cost of a private plan by selecting a basic health insurance policy with the highest deductible.
Guaranteed issue health insurance is a product available to people who are not able to get coverage under a standard individual health insurance policy due to a preexisting condition.
It is often the least costly life insurance policy to have when compared to other options such as whole life.
The Identity Theft Protection product is not considered an insurance policy and can be purchased in annual or monthly increments.
Many people often assume that simply having a life insurance policy will insure that the family will be taken care of in the event of a death.
People usually file away a life insurance policy and forget about it for many years, just making payments along with every other bill.
If the deceased had a financial advisor, that person likely knows the whereabouts and status of the life insurance policy.
The odds are good that if the life insurance policy was with them, they may be trying hard to track beneficiaries down as well.
Many people think that if a life insurance policy goes unclaimed after a person passes away, then the insurance company gets to keep the money.
The status of a life insurance policy depends heavily upon the type of policy it was, and the status of payments to the policy up until death.
This means that the cheapest insurance policy that you purchase in California will be a liability-only policy that meets these legal liability requirements.Keep in mind that the law doesn't require you to purchase insurance from a company.
Unless you ask an insurance expert to define whole life insurance, it can be a complicated type of life insurance policy to understand.
This means that when you purchase a whole life insurance policy you are covered for your "whole life," meaning that there's no term when the policy ends.
A whole life insurance policy builds up what's called "cash value" over time from the interest that your premiums earn.
This assumes, however, that you can afford the more expensive early premiums associated with a whole life insurance policy.
Few students want to drive around the family minivan when they go out with friends, but buying a flashy, sporty car is a surefire way to drain your bank account when it comes time to pay for the insurance policy.
Typically, parents will get the best rates if they simply add their child to their own insurance policy as an additional driver.
In the case of liability insurance, the insurance policy pays out (up to its limits) when you are the at-fault driver in an accident.
No car insurance policy will cover you for all losses.
Part of understanding your insurance policy is looking at the policy exclusions.
Once the dental insurance policy has been in force for 12 months, coverage for major dental services, such as root canals and crowns, kicks in.
Retaining health insurance coverage through COBRA is usually less expensive than obtaining an individual health insurance policy from a new provider.
Like any other insurance policy, there are certain steps you can take to get discounted costs for a teen's car insurance policy.
If this dental coverage is provided by your employer, speak to a HR representative to find out what you need to do to enroll yourself and eligible family members into a dental insurance policy.
Take the letter you received from the insurance company with you, along with a copy of your insurance policy.
Parents may have success in simply adding the seventeen year old to their existing auto insurance policy.
Before this became more common, people of this age may have had trouble obtaining a life insurance policy because they would have been turned down for a policy through another insurer due to their age or health.
Colonial Penn Life Insurance can design a life insurance policy to a wide range of consumers who are age 18 and over.
However, a life insurance policy for someone with major health issues will inevitably cost more than a policy for someone in good health.
The quote you initially receive from Colonial Penn will be a generalized quote for a monthly premium for a life insurance policy with the level of coverage you want to purchase.
A homeowners insurance policy covers the structure as well as the contents in the event of loss.
Other structures, such as a detached garage or shed, may or may not be covered under this type of insurance policy.
Finding a life insurance policy that is affordable and protects your family can be very difficult.
Moreover, there may be less help determining what insurance policy is the best fit for one's family.
Most people make the mistake of thinking their homeowner's insurance policy will cover their business in case of an accident or loss, however this is not always the case.
An incidental business insurance policy is usually issued in an endorsement form or as rider to your homeowner's policy.
This type of insurance policy will protect you from negligence, errors or omissions regarding the service you provide, and loss of data received by your client.
So whether you are 65 or looking for a travel insurance policy geared specifically for those in 70's or 80's, they can provide comprehensive coverage for a very modest price.
Travel Insuranz.com allows you to get coverage for a single trip or purchase an annual travel insurance policy.
If an individual health insurance policy is too cost prohibitive, consider a discount health plan.
The holder of the life insurance policy is entitled to a portion of his or her insurance in the case of a terminal illness from which he or she is not expected to recover.
There's no need to go into an insurance policy blindly.
Many renters believe that their property and valuables are insured if the landlord has a good insurance policy.
Payment options are flexible, resulting in many customers using the card for gaps in their insurance policy.
It is possible to cancel your insurance policy if you change your mind, however, you may be charged for the first month or three months of your coverage as well a cancellation penalty.
If your home is located in a flood plane your insurance company may consider your home a high risk to insure and may require that you also take out a separate flood insurance policy.
Life Insurance - Purchasing a life insurance policy can be difficult, especially if you aren't sure what type of insurance you need and how much.
Insurance companies willing to offer a short term health insurance policy then send the policy details and cost back to the broker, who then compares the results from all of the companies and then discusses the options with the client.
Consumers who do not want to utilize an insurance broker for a short term health insurance policy should be sure to do some comparison shopping among several companies.
This type of insurance policy is meant to augment existing coverage in the event of a medical emergency overseas which may not be fully covered by a health insurance policy already in place.
Finding the best health insurance policy is a highly individualized task.
Are you looking for a health insurance policy that allows you to use any provider you choose?
These insurance pools are designed for people who cannot get health insurance otherwise, and usually feature good coverage at a lower price than you would pay when purchasing a comparable health insurance policy elsewhere.
Most of these policies are only available for people under age 65, and you may not be eligible if you have been denied a health insurance policy before.
The full deductible still must be paid before the insurance policy begins to cover expenses.
These are online calculators that will give you an estimate; however, you should always contact an agent for more information before signing up for any insurance policy.
A traveling student who already has a comprehensive health insurance policy may be able to obtain a cheaper travel insurance policy than a student with no such coverage.
Students who do have existing coverage should look for a travel insurance policy specifically designed to augment coverage already in place.
If you can get a refund for your airline tickets or hotel room, you won't be able to make a claim on your travel insurance policy.
The name of the policyholder needs to be clearly indicated.In a situation where there is a secondary health insurance policy that may provide benefits for the child, this company's information should also be listed on the form.
It is usually expressed in terms of a percentage; for example, your insurance policy may guarantee you a six percent return.
Ask your insurance agent exactly what is covered by your liability insurance policy to make sure you are fully protected.
It's also important to understand the structure of insurance policy caps, which is the upper limit an insurance company will pay for a condition, disease or accident.
If a pet owner needs to be hospitalized for four days or more, the insurance policy pays for the cost of boarding the pet until the owner can return home.
The insurance policy also pays for the "reasonable cost" of flea worming treatments.
No insurance policy covers everything, and the products offered by Tesco for pets is no exception.
No matter what types of services are covered under the major medical insurance policy you are considering, you will also want to think about your lifetime policy limits.
Obtain an insurance policy that is adequate for your needs, but do take the time to do some comparison shopping to make sure you are getting the best deal possible.
In instance such as these, a typical condo insurance policy may not be sufficient.
The monetary value of art can be quite subjective, and this is why it is important to find an insurance policy that is suitable for works of art and the tools used to create them.
Whether it's a fire, or a flood, or an act of vandalism, your condo art studio needs to be fully protected by an adequate insurance policy.
It is important to note that items sent via Express Mail already feature a $100 insurance policy at no additional charge, so do not purchase additional insurance if the value of the item you are shipping does not exceed $100.
Raising the deductible on an insurance policy is another good way to get lower premium rates.
Approaching the same insurance company that holds an individual's car insurance policy can also mean savings on the cost of contents coverage.
An umbrella policy covers any additional expenses beyond what is covered through an existing insurance policy.
One of these benefits is the ability to obtain a terminal illness and/or a critical illness rider to the life insurance policy.
If you buy a landlord insurance policy from a company, you have the option of a comprehensive policy that covers both types of insurance.
You don't even have to insure all of your properties under the same landlord insurance policy.
The plan also provides for a certain amount of the insurance policy deductible being waived if the loss is relatively large one ($20,000 or more).
There are many items on an insurance policy that are extra perks and that you don't legally need, such as roadside assistance services like towing or rental car coverage for car repairs.
Tweaking policies - Most people don't know that they can customize an insurance policy to reduce cost.
A good agent will advise you when it's in your best interest to do things like raising your deductible so that the car insurance policy is more affordable.
This is because, by its very nature, the motives of such a broker are related to the size of the commission and the size of your insurance policy is directly related to the commission.
When you want to name a beneficiary, you will certainly be asked these questions before signing a life insurance policy.
If you already own an insurance policy of any kind (life, auto, renter, home, etc.), then you know that your policy offers a set amount of liability coverage.
Most renters are urged to do some comparison shopping before settling on one renter's insurance policy because the cost of the coverage can vary widely.
The broker will keep a file about the car insurance policy to refer to, which can give the customer personalized service.
While landlords typically have homeowners insurance to insure the actual dwelling, renters are generally not covered by the landlord's insurance policy for any damage done to personal belongings.
Your landlord doesn't include your possessions -televisions, clothes, electronics, collections, jewelry, or anything else- on his insurance policy.
Coinsurance is another type of expense that comes into play on a health insurance policy.
In general, this type of insurance provides homeowners and renters a level of protection and an assurance that certain items that are covered under the insurance policy will be protected to the fullest extent.
How much money can I expect to pay for a renters insurance policy?
The actual structure of the rental dwelling is covered by the homeowners insurance policy carried by the landlord, but the personal belongings of the renters are not covered by this policy.
For example, expensive items including jewelry and rare art can be covered under the renters insurance policy for an additional cost.
People considering a renters insurance policy from AAA (or any other renters insurance policy from another provider) should take the time to figure out what their actual insurance needs are before obtaining a policy.
Your general renters insurance policy from Allstate may not cover expensive items.
The standard renters insurance policy from most insurers typically protects the renter from any damage or loss to personal property resulting from fire, flood, or theft.
Rarely will a landlord's insurance policy cover the personal belongings of the renters, so it is important to obtain coverage when renting a home.
Renters insurance covers the cost of repairing or replacing personal property in the instance of theft, flood, fire, or other occurrence covered by the insurance policy.
Start with companies with which you already have insurance, such as the company that issues your car insurance policy or life insurance.
It's a good idea to get the motorcycle appraised before buying an insurance policy.
Consumers who buy a high-deductible health insurance policy can open a health savings account (HSA).
By following a detailed plan, a person who is interested in buying a catastrophic health insurance policy will be able to find affordable protection for his or her needs.
However, you can do things like raise your deductible to the maximum to achieve the same affect of a catastrophic insurance policy when you insure your vehicle.
For example, they may pay for an insurance policy that will cover the total destruction of their home, but that won't cover minor damages or a break-in.
So, why can't you do this for car insurance and buy a catastrophic car insurance policy?
Whole life insurance is simply a life insurance policy that stays in force for your entire life.
There are no strings on accessing the living benefits of a life insurance policy - you can access it even if you are under age 59 1/2, and you can use the money for any reason you want.
A whole life insurance policy has a higher premium for the same dollar amount initially, but can be the least expensive form of life insurance over the course of a lifetime.
Most health insurance policies cover prescriptions costs--either in part or in full--with dental coverage sometimes being included within a health insurance policy.
A major medical insurance policy will feature high deductibles, but will provide coverage if a serious illness or injury occurs.
Liability protection is part of a standard car, homeowner's or renter's insurance policy.
Business owners can protect their assets by putting a business liability insurance policy in place.
It is part of a standard auto, homeowner's or renter's insurance policy.
Unlike whole life or universal life insurance where there is a portion of the insurance policy with a "cash value," term life is much more straightforward.
This is a situation where financial needs of the family are very high and the need for a 30 year term life insurance policy is very high.
Additionally, by retirement most people have built up a substantial savings, so the need for a financial "safety net" provided by a life insurance policy is no longer necessary.
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