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Your home consists of more than a just your house. A		General liability insurance covers injuries/deaths and
home includes the pool in your backyard, the tools in		property damage resulting from an accident. This is the
your garage and the wedding ring on your finger. Most		most important coverage and is commonly required by
importantly, it also includes your family, their happiness		law in many states. Each state has its own
and safety. Homeowners insurance allows you to protect		minimum liability requirement. Some insurance
every part of your home giving you a greater sense of		companies offer "split-limit" coverage (each
security, knowing that you'll always have a warm roof		part of the coverage is split into its own limit, i.e. $15,000
over your head. The sections below provide simple but		max. per person injured, $5,000 for property, etc.) while
vital information that will help you understand what		others offer "combined single limit" (the entire
homeowners insurance covers.		combined coverage for bodily and physical damages
		under one limit, i.e. $100,000 total).
By increasing your deductible you can reduce your
insurance rates significantly. Just keep in mind that if		Uninsured or underinsured motorist insurance covers you
your car actually gets damaged you will end up paying		if you are injured in an accident with others who
this higher deductible to fix the damage. For example, if		themselves carry insufficient or no liability
that dent in your hood costs $1,500 to fix and you have a		insurance. With the surprising number of such
$1,000 deductible, you'll pay that $1,000 while your		drivers out there, it's a good idea to have some.
insurance company only pays $500. On the flip side, if		Some states require UIM/UM, so contact your Agent.
your car receives $5,000 worth of damage you will pay
only $1,000 and your insurance company will pick up the
remaining $4,000. The amount of your deductible
depends on what your personal financial status or
requirements may be.


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Dont overspend on protection. Term life		If you and your family are fortunate enough to enjoy
insurance is the most affordable and cost-effective pure		extended periods of great health, you may want to
protection available, and it is typically much less		choose a higher deductible. For example,
expensive than a comparable whole life policy. The old		increasing it from $500 to $1,000 will significantly reduce
axiom still rings true: Buy Term and invest the		your insurance premium.
difference.
		Avoid plans that exclude pre-existing health
Review your policy often. Do a review of your		conditions. You may end up paying for a policy
life insurance policy a minimum of every three years, if		that doesn't cover you, which defeats the purpose of
not more often. Rates may be lower, and your		having insurance! If you must, try and get one with
circumstances may have changed, necessitating more or		a maximum six month waiting period.
less protection. If you are replacing a policy, make sure
you allow enough time to get your new policy in place so
coverages wont overlap or lapse.

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