Documenting valuables protects your insurance claim because it proves what you owned, its condition, and its value-making reimbursement faster and more accurate after theft, fire, or other covered losses. A simple...

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If you use your boat for charters, you usually need specialized coverage because personal boat insurance often excludes commercial use, paying passengers, and crew-related exposures. Charter insurance typically combines...

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For many small and mid-size businesses, vehicles are not optional, they are essential tools. Whether you operate a service company, delivery business, construction firm, or sales organization, the decision to lease or...

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Choosing business insurance is about matching policies to the risks that could most disrupt your company-lawsuits, property losses, employee injuries, vehicle accidents, professional mistakes, and cyber incidents. The...

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A car insurance deductible is the amount you pay out of pocket before your insurance covers the rest of a covered claim, most often for comprehensive and collision. Higher deductibles usually lower your premium, but...

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Hitting a deer can be a startling and dangerous experience, especially if it happens unexpectedly on a quiet road or at high speed. Unfortunately, these incidents are fairly common, particularly in areas with high...

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For most businesses, equipment is essential to daily operations. Whether it's a commercial oven, HVAC system, delivery vehicle, or a vital piece of manufacturing machinery, unexpected failure can grind productivity to a...

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Comprehensive and collision boat insurance protect your vessel in different ways-one covers non-collision events like theft and storms, while the other applies when your boat is damaged in an accident. Choosing the...

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Product liability insurance helps protect businesses when a product they sell, distribute, or manufacture causes injury or property damage. Coverage depends on how the product is used, how the claim arises, and the...

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Actual cash value and replacement cost coverage determine how much your insurance will pay after a covered loss-and the difference can be thousands of dollars out of pocket. One factors in depreciation, while the other...

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“Full coverage” auto insurance is a common term, but it doesn’t mean every possible situation is covered. It typically refers to a combination of liability, comprehensive, and collision coverage working together to...

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Bringing a new baby home is exciting, but it also means taking a fresh look at your living space through the eyes of a curious child. As babies grow and become more mobile, they naturally want to explore their...

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