As soon as the leaves start falling and the air turns crisp, you might start thinking about warm holiday get-togethers and festive feasts. However, wintertime can also be hard on your home, which can lead to some pretty significant unplanned expenses. Fortunately, if you have homeowner's insurance, you won't have to lose sleep about that incoming storm. Here are two wintertime hazards your homeowner's insurance policy might cover:
1: Freezing Pipes and Subsequent Flooding
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When you think of home insurance, you probably think about the safety net that is there in case of a fire or a robbery. However, many people under-insure their homes; in fact, many Americans only have enough insurance to cover 78% of home rebuilding costs. People feel safe getting a policy that covers the value of the home when it was purchased. This is dangerous, not only because the real estate market fluctuates over time, but also because there are somethings you will need home insurance for that could exceed the cost of just replacing your home.
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Being a responsible driver is an important task, but it is not always an easy one. There are many requirements you have to make sure you have in place, to not only protect yourself, but other drivers as well. Failing to ensure you meet these requirements, may not only cost you your driving privileges, but may require that you file an SR-22 form to reinstate your license. If you are a driver, you need to know what a SR-22 is, as well as how to avoid the legal pitfalls which may require you to file one.
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Unless you've been living in a cave somewhere for the past ten years, you've probably seen all of the cute and clever ads on television trying to sell you car insurance. Big auto insurance companies use everything from talking animals to funny spokespeople to try and sell you something that you absolutely must have, but how do you know which of these are the right place for you? Choosing an insurance company shouldn't be based on who has the funniest commercials or best savings "
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If you're currently remodeling or renovating your home's electrical system, you may be acting as your own general contractor -- hiring an electrical subcontractor to perform substantive installation and finishing work. Although an electrical contractor should carry worker's compensation and other types of insurance that will cover employee injuries, you could still be personally sued if one of these workers is injured on your property. Read on to learn more about how to insulate yourself from potential liability for electrical subcontractor injuries that occur on your property.
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