Having the right coverages and amounts of homeowner's insurance is vital if you want to fully protect your home and everything you own. To make sure you have enough coverage, you should contact a homeowner's insurance agency to speak to someone about your needs, and the agent you speak to might discuss the following three important types of coverage you might need.
1. Coverage for all the structures on your property or storage units
Running a business from home is a feat that so many aspire to do. When you are trying to really grow that home business, there also needs to be some semblance of separation. If you work from home every day, it's easy to either get casual about your work or find it difficult to relax in your own home when you aren't on the clock.
The remedy to this problem is carving out a space for your home office that feels like a real office and is only for business purposes.
Auto insurance companies do not just look at your vehicle when determining your premium; they also look closely at you as an individual and a driver.
#1 Your Age
Your age has a big impact on your insurance rates. Teenagers and young adults face higher insurance rates, with the magic age to start getting an age-related discount at being 25. That discount for age will not last your entire life. As you start to advance in your years, you may start to see an increase in your premium again, as older drivers are considered a little bit more of a risk to insure than middle-aged drivers.
If you are a small insurance agency, you may be worried about what you can do in order to keep your small agency going and maybe even growing, if at all possible. One of the things that you might do is to join an insurance network. Before you make the decision as to whether or not you are going to join a network, you need to know what some of the benefits are so that you can decide whether or not they work for you.
You probably know that your homeowners policy covers damage to your home from things like fire and extreme weather. However, homeowners insurance doesn't just cover home damage. In fact, it covers a wide range of costs and expenses, many of which you may not even think would be covered by a homeowners insurance policy.
Below are four such surprising costs. If any of these sound familiar, you may want to check with your homeowners insurance agent to see if you're eligible for coverage.