Insurance

What is Florida Gap Insurance?
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What is Florida Gap Insurance?

Guaranteed Asset Protection, commonly known as gap insurance, is a form of coverage that could be beneficial for Florida drivers financing or leasing a vehicle. Due to Florida’s higher interest rates, new cars often depreciate rapidly, sometimes leaving the vehicle’s value lower than the outstanding loan amount soon after purchase. If the car is stolen […]

Does Homeowners Insurance Cover a Flooded Basement?
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Does Homeowners Insurance Cover a Flooded Basement?

Even if your home isn’t situated near water, it could still face flooding risks. Basements, being below ground level, are especially vulnerable. With the increasing frequency of extreme weather, heavy rainfall and sudden floods can affect areas that were historically spared such issues. While you might expect your homeowners insurance to protect against basement flood […]

Worst States for Tornadoes in the US
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Worst States for Tornadoes in the US

Depending on where you live, tornadoes can be a significant concern. According to data from the Insurance Information Institute (Triple-I) and the National Oceanic and Atmospheric Administration (NOAA), there were 1,423 tornadoes in 2023, up from 1,240 in 2022. Not only did the number of tornadoes increase, but the storms also became more deadly. The […]

What is the Penalties for Driving Without Insurance in Illinois?
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What is the Penalties for Driving Without Insurance in Illinois?

Driving uninsured in Illinois is against the law and can lead to fines and a suspended license. If caught driving without insurance, you might face increased car insurance premiums and significant out-of-pocket expenses if you’re involved in an accident. According to Bankrate’s insurance data, drivers in Illinois typically pay less for car insurance compared to […]

All You Need to Know about Variable Universal Life Insurance
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All You Need to Know about Variable Universal Life Insurance

When considering a life insurance policy, you have a variety of options available. While all life insurance policies provide a death benefit, if you’re seeking one that offers flexible premiums and opportunities for cash value growth, a variable universal life insurance policy may be of interest. However, among different types of life insurance, variable universal […]

10 Common Car Insurance Myths Answered
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10 Common Car Insurance Myths Answered

Car insurance is a necessity for many Americans but can also be complex to grasp. Like other financial services, the insurance industry can be overwhelming if you’re not well-versed in its intricacies. A lack of understanding about your policy could lead to errors such as underinsuring your vehicle or paying more than necessary for coverage. […]

What to Do after a Car Accident
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What to Do after a Car Accident

Vehicle collisions are an unfortunate reality, often accompanied by significant financial implications. According to the National Safety Council (NSC), around 5% of the 235 million licensed drivers in the U.S. experience a motor vehicle accident. The costs associated with these incidents vary widely, spanning from $6,000 to well over $1 million, contingent on the accident’s […]

A Guide to Roadside Assistance
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A Guide to Roadside Assistance

If you find yourself stranded with a flat tire on a bustling highway, especially in the dead of night or lacking a spare in your trunk, roadside assistance can be a literal lifesaver. Yet, its benefits extend beyond merely dispatching a professional to change your tire. Roadside assistance proves invaluable when a vehicle becomes inoperable […]

Tips to Prepare Your Home for a Natural Disaster
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Tips to Prepare Your Home for a Natural Disaster

A natural disaster has the potential to wreak havoc on your finances. Fortunately, a typical home insurance policy offers substantial protection against many of the financial hardships that can arise from such disasters. However, certain vulnerabilities may persist. Understanding the extent of coverage provided by home insurance in the event of natural disasters can enhance […]

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