While most standard homeowner's policy structures help insure your personal property, your protection levels are limited by the coverage amounts in the policy. Often, these are not nearly large enough to cover the loss of particularly valuable items in your home. With the rate of residential theft sitting at approximately 1 in every 36 homes each year, it's important to protect yourself.
A policy rider is how you can do exactly that--it represents additional coverage in the event of personal property loss.
A nurse case manager might be considered a helpful benefit as part of the insurance compensation in an accident claim. However, sometimes having a nurse case manager can seem more like an invasion of privacy into your health and life in general. If you've been in an accident and have been assigned a nurse case manager (or are expecting to), here are a few questions you may have.
What are the roles of a nurse case manager?
It is commonly believed that you must purchase auto insurance if you drive a vehicle. In a surprise twist, however, most states only require you to show you have the financial resources available to pay for damages resulting from an accident where you're found liable. While the easiest way to fulfill this requirement is to purchase auto insurance from a reputable company, many states allow residents to prove financial responsibility in other ways.
Even if you are young and perfectly healthy, life insurance is still something you should consider purchasing. If something happens to you, your family will at least be protected financially. A decent life insurance policy should cover funeral costs and living expenses for your loved one. Knowing that your family members are protected will help you rest easier at night. However, to keep the costs affordable, it is very important to know what can make your premiums more expensive.
If you have been told that you need SR-22 insurance then you might be confused about what it entails. Some people need SR-22 to legally drive after committing certain traffic violations. If the courts told you to obtain SR-22, here is everything that you need to know.
What SR-22 is (and isn't)
SR-22 isn't a separate insurance policy, which tends to confuse people. While it's called SR-22 insurance, it's not insurance in itself.