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Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance. Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not have enough coverage to rebuild after a total loss. This is called “insurance to value.” Below are some explanations and
Insurance Literacy
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By Kathryn Hauer, CFP, EA Learn more about Kathryn on NerdWallet’s Ask an Advisor Most of us know about — and pay for — common types of insurance that protect us from financial risk. These include health insurance, auto insurance, life insurance, and homeowners or renters insurance. However, we often forget that we have other types of insurance waiting in the background. You probably don’t pay monthly premiums for these policies, but they’re available when you need them. Workers’
Insurance Literacy
We all want our car insurance to be cheap. But it’s no surprise that it isn’t exactly up to us. It’s your insurer — or really, your insurer’s complex underwriting algorithm — that determines how high your rates go. And many factors that affect your rate, such as your driving history, car model and annual mileage, are logical. But did you know that personal details like your relationship status, gender and neighborhood can also affect
Insurance Literacy
If you’re considering purchasing a renters insurance policy, you may have some questions. Do I really need this coverage? Is it worth it? How can I get the best deal? Renters insurance provides low-cost coverage for your personal belongings, so you can recover from loss, damage or theft. It also covers your personal liability. Your landlord’s policy covers the building and grounds, but will not reimburse you for the costs of your personal items in
Insurance Literacy
February 16, 2018

Nature’s Stimulus Package

Recently, western Nebraska and eastern Wyoming were hit with a significant storm leaving behind a wake of destruction. A coworker jokingly called the storm “Nature’s stimulus package”, an interesting perspective to say the least. While it is true that many businesses will benefit from the additional work a storm creates; revenue that would not have been possible without the damage created by the storm, in the midst of a storm most of us are concerned
Insurance Literacy
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Your job is an unpredictable one and hazardous conditions could arise in a variety of situations, especially considering the customers you encounter throughout the day. However, on-the-job accidents can be avoided by focusing on safe practices and taking necessary precautions. Be Aware of Safety Hazards Most accidents are caused by an unsafe act, an unsafe working condition or a combination of the two. For example, a worker could fall off a ladder that was not
Insurance Literacy
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