Your Insurance Questions Answered

If you have young children, it is a smart financial move to invest in life insurance. Here are three things to keep in mind when choosing a life insurance policy as a parent of young children. #1 Go For Extended Coverage First you need to think about how long your spouse is going to need to provide for your children if you were to pass away. Your spouse is going to need to provide for them not just until they are eighteen, but most likely into their young adult years as well.

When you are shopping for an insurance policy, you need to look for a product that provides protection against a break-in. Should your home be victimized, you want to ensure that your policy will not only cover any damages sustained by your home, but the loss of any valuable products as well. Experiencing a break-in can not only cause you feelings of distress, it could also result in an increase in your insurance policy.

If you've recently been charged with a DUI after failing a blood alcohol test and are waiting for your day in court, there are a few important things you need to understand so you can prepare yourself for the inevitable. Failing a blood alcohol test doesn't necessarily mean that you'll lose your driving privileges, but it does mean that changes will be made. Here's what you need to know.  Administrative hearing 

From teaching your children how to walk and talk to ensuring they can handle the physical, emotional, and financial changes of life, it is easy to see the challenges of being a parent. Unfortunately, most parents are not prepared for the stressful nature of having a new teen driver. Not only will you be constantly worrying over your teen's driving capabilities, but you will also need to prepare yourself for the huge costs associated with car maintenance and insurance.

Being convicted of a serious driving offense such as a DUI or DWI can have several unforeseen consequences, one of those being the need for SR22 insurance. The following offers an in-depth explanation of SR22 insurance, including how it works, how long you'll need it and the impact it can have on your auto insurance costs. SR22 Insurance Explained The term "SR22 insurance" is a bit of a misnomer since it's not an insurance policy in its own right.

As a homeowner, it's important to understand the basics of your homeowners insurance police. In general, traditional policies cover the structure of the home, personal belongings within the home, liability in case an accident occurs in the home, and coverage for living expenses if your home is uninhabitable because of a covered disaster. You may also want additional coverage that will pay for damage that isn't covered by a traditional policy, such as earthquake insurance.

It seems to only make sense that your children should be covered under your homeowners insurance policy. However, there are some complications involved. Though children are generally covered by homeowners insurance, there are some limitations based on situation and environment. These are things you should discuss with your agent, especially if your family or living situation has recently changed. Dorms Are Covered -- But Only to a Certain Extent When your child is attending college and under the age of 25, it's likely that they will still be covered under your insurance policy -- as long as they live in the dorms.

Many people go to great lengths to avoid or prevent accidents on highways, which is good. However, you should also be careful with parking lots because lots of accidents happen in parking areas too. Parking lot accidents usually don't lead to serious injuries, but even the minor injuries and damages should be avoided. Here are tips that increase safety in parking lots: Avoid Parking Beside Large Vehicles If you have a choice, don't park beside a large vehicle, such as a big van or truck, if you are driving a conventional sedan.