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Importance of a Home Inventory

Do you know exactly how many belongings you own? If you do not know the exact price of each of your belongings, it can be difficult for your insurance company to reimburse or replace all of your belongings in case they are damaged or ruined in a disaster. The best way to ensure that all of your assets are protected is to create a simple home inventory. There are two main ways to create a home inventory, including: Make a list. Make a detailed list of all of your belongings, including the price of the item and when it was purchased. Make sure to go into every room to ensure that you do not miss any of your belongings. Make a video. Walk into each room of your home and take a video of all of your belongings. Talk over the video to explain the value of each item and when it ... Read more

Towing and Labor Coverage – Protection You Cannot Afford to Skip On

Getting stuck on the side of the road is one of the worst situations you can be in as a driver. Not only does it mean that you will probably have to pay for repairs to your car, but it can also leave you stranded for a long period of time. Investing in towing and labor insurance coverage is the best way to ensure that you are not stranded on the side of the road during your next road trip. Towing and labor coverage, which is also called emergency roadside assistance, is offered by most insurance providers. It can give you the peace of mind knowing that you have someone to call in case your car breaks down on the side of the road. While there are different amounts of coverage that are available, most towing and labor coverage packages come with the following coverages: Towing assistance if your car breaks ... Read more

Tips to Get the Best Mortgage Rate for Your First Home

Buying a home for the first time is a very exciting time. It is also one of the biggest financial decisions that you will ever make in your life. One of the biggest parts of buying a home is finding the right mortgage rate. Keep these tips in mind to ensure that you get the best rate possible when buying your first home. Get a copy of your credit report. Your credit score is one of the biggest factors when lenders decide on mortgage rate. Get a copy of your credit report from the three major lenders and look it over. Make sure that there are no errors, and if there are, fix them as soon as possible. Look into your loan options. There are many different loan options that are available, including a fixed rate mortgage, Federal Housing Administration mortgage, and a Veterans Affairs mortgage. Each one of these options ... Read more

Common Insurance Questions to Keep in Mind

Insurance can be a very confusing subject for most people. With all of the policy options and legal language that is used to explain insurance, it can be a stressful time for anyone. Luckily, working with an independent insurance agent can help to make the insurance buying experience easy for everyone. Agents have heard almost every insurance question out there, and can help to answer them all, ensure that you are getting the best policy for your needs. Keep these answers to some of the most commonly asked insurance questions in mind when looking for your next policy. Do I have to list all drivers in my household? Many people think that omitting licensed drivers from their auto insurance policy will lower their premiums. However, insurance agents use the number of people who are of driving age in your household to determine how likely a mishap with your vehicle is ... Read more

3 Simple Social Media Tasks to Expand Your Business

Social media is becoming more and more relevant in everyday life. If you own a business, social media can help you to grow your business. While you may not have all day to spend on your social media marketing, it is important to carve out a small amount of time each day to spend some time on your social media outlets. When engaging on your social media sites, there are three simple activities to do every day that will only take 10 minutes of your time. Make sure to do the following 3 things each day to ensure that your social media marketing is helping promote your business. Monitoring. You should spend at least 3 minutes a day looking to see what is being said about your company on all the different social media outlets. This will allow you to see if your business is getting positive or negative feedback, and ... Read more
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