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What Are Home Insurance Rates Really Based On?

As a homeowner, you want to get the best home insurance you can afford. To do this, you should have a realistic understanding of the factors that affect homeowners’ insurance premiums.

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Insurance Questions Small Business Owners Should Ask

       The U.S. Small Business Administration sets the standards for what qualifies as a small business based on either earnings or number of employees. The definition of small business varies by industry. For example, in some areas of power generation, 250 employees qualify as a small business while in some areas of snack food manufacturing businesses with fewer than 1,250 employees are considered small.

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Preparing for Your Life Insurance Medical Exam

Do you get nervous at the thought of taking a medical exam to get a life insurance quote? It’s a common reaction, and completely understandable. Many life insurance policies require that you are screened in your home or office by a licensed paramedical examination professional. Although you don’t have to pay anything for this exam, you need to take it seriously. The healthier you are, the better your chances of hearing a “yes” from your preferred insurance provider, as well as snagging the lowest policy rates on the market.

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Is Life Insurance an Investment for Retirement?

Some people start thinking about retirement in their 20s. Others wait until their 40s or later. Regardless of when you begin planning for a time when you’ll no longer be working full-time, you may encounter questions about retirement and life insurance policies. Namely, is it possible for you to use life insurance as a viable retirement plan?

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Do Home-Based Businesses Need Insurance?

Over half of the small businesses in the U.S. are home-based enterprises. Today’s numbers have it at around 52%, but research suggests that percentage will increase in coming years. There are as many types of home-based businesses as there are businesses. Some professionals freelance on the side, offering consulting services from home while working full-time. Others start companies in their bedrooms, hoping to grow their ventures.

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Home Insurance for Airbnb Hosts

For many homeowners, the idea of using Airbnb just makes sense. While they are away from their residences, they can rent their homes out to visitors and make extra cash. Airbnb has blossomed into a well-respected platform for these types of living exchanges, but there are hidden considerations to diving into this type of arrangement. Namely, what type of exposure are homeowners risking by becoming Airbnb hosts, and does homeowners’ insurance work for Airbnb?

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Does My Small Business Need Workers’ Compensation Insurance?

Being a business owner, you’re probably well aware of all the different types of insurance you need. In fact, you can get business insurance, including commercial property insurance and general liability coverage, for just about any type of risk your company might face.

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Home Insurance Tips for Pet Owners

Do you have a four-legged pooch running around your house? You certainly aren’t alone in your love for furry friends. According to statistics from the American Society for the Prevention of Cruelty to Animals (ASPCA), between 37 and 47 percent of homes have dogs. That’s nearly half the population of homeowners, and it is a reason insurance carriers may take dog ownership into consideration when issuing policies.

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