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insurance riders for collectibles

Are you a collector of rare items? If you enjoy collecting things like antiques, coins, stamps, sports cards or anything else that increases in value as time goes by, you must be sure that your insurance policy will cover the cost of loss or damage if something was to happen. I created this blog after losing everything to a house fire. When I went to file my claim, I was shocked and very disappointed to find out that I wouldn't be receiving nearly enough of a payout to cover my investment. I created this blog after I learned that very difficult lesson to help others learn about insurance riders for their collectibles.

3 Reasons Using A Broker Is The Only Way To Purchase Insurance

Insurance brokers are individuals that sell insurance, and buying your insurance from a broker is a wise decision. Brokers are not associated with particular insurance companies, and you can hire one to purchase almost any type of insurance you might need. Buying your insurance through a broker offers numerous benefits, and here are three reasons using a broker is the best way to purchase insurance. You Will Save Money While it's hard to say how much money you can save by going through a broker, you will most likely find cheaper insurance policies with this method. Read More 

The 3 Biggest Mistakes Made By First-Time Home Buyers (And How To Avoid Them)

Buying your first home is exciting, and it's understandable to want to jump in with both feet and get a house as fast as you can. Home ownership is something that you have to work and save for, so when you finally have that down payment and mortgage approval in hand, who wants to wait? But do yourself a favor and slow down just a little. There are some common mistakes made by overly eager first-time home buyers that you would be much better off avoiding. Read More 

5 Things Insurance Companies Look At When Deciding Premiums

Unexpected auto insurance spikes can confuse even the most savvy consumers. Although insurance premiums will vary depending on your state, no matter where you live insurance companies can raise or lower your monthly premiums based on certain sets of criteria that might not be so obvious at first glance. Where You Live Believe it or not, insurance companies have data that helps them adjust rates for any place a vehicle is designated to be parked. Read More 

Does Your Insurance Cover Travel To The USA?

If you're planning a trip to the United States, you probably aren't thinking about insurance coverage. However, if you fall ill or are injured in the United States, or if you're driving and involved in a car accident -- are you sure you'll be covered? Do you need to notify your insurance company before traveling south of the border? Read on to learn more about how and when the most common types of insurance (health, auto, and life) are affected by out-of-country travels. Read More 

Welcome To Canada: Licensing And Insurance Basics For New Arrivals To The Country

If you have moved to Canada from another country, you likely need a car to get around and explore this vast country. Whether you have driven in your old country or not, getting licensed and insured in Canada involves a few steps. Here's what to expect: Transferring Your Driving Experience from Your Home Country to Canada If you are from a country that has a reciprocal license agreement with Canada, you can get a license fairly easily. Read More