(1795,1,'2021-07-08 17:32:42','2021-07-08 17:32:42','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2379,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2022/04/down-payment-on-summary-1024x343.png\" alt=\"\" class=\"wp-image-2379\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Organizing your home takes time and effort, but it doesn’t have to be one big daunting project. In fact, when it comes to decluttering, it’s the little things that make a difference.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Small tidying tasks are an easy way for busy people to keep their house neat and organized without a large time commitment,” Sarah Giller Nelson, founder of Less Is More Organizing, told HuffPost. “There is a real feeling of accomplishment that comes with getting things done. Since these tasks are small and not very time consuming, it becomes something easy to celebrate: I might not have accomplished much today, but at least I made my bed!”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“As we move through our spaces we are constantly taking items out of their homes to use and enjoy,” she continued. “Since the taking out is constant, the putting back must be constant as well, or else the clutter will accumulate. Doing little things each day helps keep us on top of it all.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Don’t know where to get started? We asked Nelson and professional organizers to share the small tidying tasks they do on the daily to keep their own homes organized.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Below, we’ve rounded up 21 of their go-to mini chores. While it may be unrealistic to do&nbsp;<em>all</em>&nbsp;of these things each day, try to pick a few to work into your routine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3><strong>Make the bed</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I make my bed every morning. It really is the biggest bang-for-your-buck tidying activity you can do. The bed is the dominant feature in the bedroom so if it is made, then the entire space looks calmer. And all it takes is 30 seconds!” ― Sarah Giller Nelson, founder of Less Is More Organizing</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Making my bed every morning is a habit instilled in me by my mom at a young age. The day doesn’t feel ready to begin until I’ve done that. There is also the mindfulness aspect to this. When we pay attention to the cycle of things, we can focus on and enjoy the process of what we’re doing. … Pay attention to smoothing the sheets, fluffing the pillows, feeling the fabric, getting yourself and your bedroom ready for the day. At night, you pull down the covers and slip into bed for a good night’s sleep. You rest more peacefully and better when you enter a bed that is sleep-ready.” ― Linda Samuels, professional organizer at Oh, So Organized</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Deal with the mail</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“When I bring in the mail, I deal with it right away: recycle junk; file statements (yup, I still get some in paper); put to-dos into my follow-up system (I hate the word ‘tickler file’); put</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“When I bring in the mail, I deal with it right away: recycle junk; file statements (yup, I still get some in paper); put to-dos into my follow-up system (I hate the word ‘tickler file’); put magazines into a tray on the coffee table to read later; leave other nonurgent mail in a tray with a cheery paperweight that says ‘Cheers’ to be dealt with when I have time.” ― Lisa Zaslow, professional organizer at Gotham Organizers</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“If you open your mail each day it only takes a few minutes, but if you wait weeks you’re going to have piles and piles of paper which becomes overwhelming. I open the mail, open any packages, fill out return labels and repack anything not being kept. I throw away any periodicals that have been replaced with a new issue ― I discard daily periodicals daily, weekly periodicals weekly, and monthly periodicals monthly.” ― Barbara Reich, professional organizer at Life Organized</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Organize groceries</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I update my grocery inventory list on my fridge, so I know exactly what I need to buy if I stop at the store.” ― Pooja Naik, organizing consultant at Organizing With You, Inc.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I put away groceries and dry goods and throw away any food in the refrigerator that’s past its expiration date.” ― Reich</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“One small tidying task I do every day is keeping my refrigerator clean and organized.” ― Nicole Arroyo, professional organizer at Neatly Nic</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Keep the bathroom in order</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“When I’m finished showering, I clear grooming supplies off of the counter, put dirty clothes in the hamper, and hang my towel on the rod.” ― Seana Turner, founder of The Seana Method</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I put my beauty products back in their home after use to leave a clear bathroom sink.” ― Jeni Aron, professional organizer at Clutter Cowgirl</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Other small daily tidying tasks include removing hair from the shower drain trap, hanging up towels (nicely), wiping down the sink and bathroom surfaces.” ― Samuels</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Wipe down the shower after use</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I wipe the shower after showering to prevent mildew and grout discoloration.” ― Jeffrey Phillip, professional organizer and interior designer</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I wipe down the glass shower door after my shower.” ― Turner</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Pick up toys</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Put away all the kids’ toys (they can help with this and should). Basically, reset the house so that it’s good to go when we awake the next day, ensuring a smooth as possible start.” ― Beth Penn, professional organizer at Bneato Bar</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Put clothes away</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Clothes can make any space look way worse than it actually is. So keep a hamper for dirty clothes and towels and avoid leaving these things on the floor, in chairs, on the bed, etc. Only wash as many clothes as you have time to put away immediately. Try not to let laundry baskets stay full. Note: There are laundry baskets that flatten so they can be more easily stored.” ― Carolyn Rogers, professional organizing consultant at Neat Nerd Solutions</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I never go to sleep with my clothing on the floor. I have a rule that I get undressed in my closet, so I can immediately put things into the laundry, fold them, or hang them, and they don’t hit the floor. Like anything else, avoided clothing can become big, messy mounds which are overwhelming to deal with.” ― Tova Weinstock, professional organizer at Tidy Tova</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Pick up clothes lying around the house. Or better yet, don’t put clothes anywhere they aren’t supposed to go. Hang up coats, put laundry in the bin and put clothes in the closet or drawers.” ― Melissa Levy, founder of Declutter + Design</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Clear surfaces</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Clear off countertops. Surfaces take a beating, whether it’s mail, homework or other paperwork, it often gets put down and forgotten. So do lots of other things throughout the day. Taking 10 minutes at the end of the day or 30 at the end of the week to target clearing off surfaces will help you stay on top of the clutter.” ―&nbsp;<em>Levy</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Maintain clear surfaces and countertops. Countertops are actually the hidden workhorses of the home. Keeping them neat and clear goes a long way. When they are not being used, a clear surface reads as clean, open and airy. When needed, it becomes a drop zone, baking area, desk or even a game night centerpiece.” ― Dina Smith, professional organizer at Closet Therapy with Dina</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Tidy pillows and blankets</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I fluff and fix pillows and cushions on the couch before bed.” ―&nbsp;<em>Phillip</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I neatly fold throws on the couch and fluff pillows. Less than a minute, and the living room feels refreshed.” ―&nbsp;<em>Zaslow</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Wash and put away the dishes</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I always make sure that all of the dishes are clean before I go to sleep. That way, when I go in to make my coffee each morning, I am greeted by a clean, calm space.” ―&nbsp;<em>Nelson</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I often laugh and tell people that the major characteristic of living an organized life is frequently walking around and putting things away. I do this continually all day long, and particularly when I finish using a space. For example, after eating, I put dirty dishes in the dishwasher, return the food containers to the pantry or fridge, throw out any trash, and push in my chair.” ―&nbsp;<em>Turner</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Sometimes I leave dirty dishes but never without soaking them in water. I think it’s OK to leave a few dirty dishes at night, but I always make sure to leave them soaking in water. There’s nothing more frustrating than wasting time scraping off food scraps when it can be so easily avoided.” ―&nbsp;<em>Weinstock</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Clean out bags</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I always empty my bag at the end of the day and then prepare it for the next day. I throw away any garbage, wash food containers, and make sure the items I need for the following day are packed and ready to go. This daily practice saves me a ton of time the following morning and keeps my bag clear of becoming a garbage disposal ― I’ve seen lots of those in my work with clients.” ―&nbsp;<em>Weinstock</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I put my keys back in my purse. There’s a lot that’s uncertain in life. It’s comforting to always know where your keys are! And extremely frustrating when you have to spend time looking for them.” ―&nbsp;<em>Zaslow</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Organize papers</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I stack papers neatly if they can’t be filed or discarded right away and must remain in plain sight.” ―&nbsp;<em>Rogers</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I look at my papers every day, so bills, RSVPs, important messages don’t get ignored. I have a proven system for paper organization!” ―&nbsp;<em>Naik</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Wash face masks</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“For the past year I’ve added these steps: Wash my hands and hang up my mask to be washed later. I wash masks so they’re clean and ready for tomorrow.” ―&nbsp;<em>Zaslow</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Put items where they belong</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Most of my ‘tidy tasks’ happen through the day, and it’s all about putting away what I take out and use as I finish using it. At the very end of the day, I do one final sweep to clear my desk, the sofa, the kitchen counters. My rule: If I take it out, I have to put it back.” ― Regina Lark, professional organizer at A Clear Path</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“At night, I corral my remote controls to the center of the family room table, fold and hang the blanket on the back of the chair, and straighten the pillows. The goal for me is to leave a space the way I want it to be when I return. This means not only looking tidy, but more importantly in such a state that it is ready to function. I rarely leave a room without making sure the surfaces are clear, and my supplies are tucked away exactly where I have decided they will live.” ― Turner</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I return any activity items ― work related, hobby related, etc. ― to their proper zones in the home and/or proper containers each night before bed.” ― Kellie Powell, lead professional organizer and COO of Dexterous Organizing</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Put things away in their designated place when you’re done using them. Make sure that there is easy access to things that are used frequently. Having to pull out multiple things to reach something at the back increases the chances that it won’t all be put away properly or at all.” ―&nbsp;<em>Rogers</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Keep shoes in the entryway</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I maintain a shoe-free home. The rule of thumb is, ‘If you are willing to mop, you can feel free to wear your shoes inside.’ Removing shoes cuts down on cleaning, mopping, vacuuming, and lowers the number of germs and bacteria in the home. It also shifts your mood and mindset from outside to ‘home.’” ―&nbsp;<em>Smith</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I tidy the entry area ― shoes away, coats and accessories hung or put away, etc.” ―&nbsp;<em>Phillip</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Clean one specific area</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Cleaning precedes organizing in most cases, and they go hand in hand. So I try to thoroughly clean one area of my home every day. This is so much easier than having to set aside a whole lot of time to do major cleaning for the entire home. ... I pick an area and try to tidy up with a timer. No more than 5 minutes, but I try to be consistent. When you take baby steps at a time with organizing, it makes it more enjoyable and will provide the momentum needed to keep going as opposed to taking on too much at once and then not going back because it felt grueling. I even recommend setting a timer for organizing, like 5 or 10 minutes and stopping when the timer goes off. The important thing is to do the little things each day.” ―&nbsp;<em>Naik</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Discard trash and unwanted items</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“When something becomes trash, put it in the trash. It sounds simple, but debris adds to visual and physical clutter. Staying on top of things that need to be discarded is a great way to keep things tidy. One tip is to keep a shopping bag for donation in your closet. When you notice something needs to be donated you have a place for it. When it gets full, take it out and open another bag.” ―&nbsp;<em>Smith</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I purge a clothing item if I try it on and it’s not a great fit for me. Putting it back in the drawer is only leaving me to make the same decision in the future.” ―&nbsp;<em>Aron</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Remove things from the floor</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I adhere to the rule that the floor is not for storage. At the end of the day, I do a walk through of my home to pick up and put away anything that might have been placed on the floor.” ―&nbsp;<em>Nelson</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Organize the desk</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“When I’m at my desk, I tend to work messy! Throughout the day I put pens, pencils and markers back in the (not too full!) pen cup on my desk. This is surprisingly satisfying! It’s like a mini break that instantly creates some clear space and helps me focus.” ―&nbsp;<em>Zaslow</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Do anything that takes less than five minutes</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Anything that takes less than five minutes to complete, I do it right away. Think about the time it takes you to add it to your to-do list, and the action could be almost completed in that time!” ― Julie Naylon, professional organizer at No Wire Hangers</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Prepare for the next day</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I prepare for the next day ― plan what I’m going to wear, what I need to take with me when I leave the house, and what I will eat. Thinking about this ahead of time means that I’m rarely caught unprepared.” ―&nbsp;<em>Reich</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Before going to bed, I make sure everything is ready to start the next day. This could include doing the dishes and making sure the kitchen is clean.” ―&nbsp;<em>Naylon</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I keep a notebook of errands and to-do items instead of lots of little scraps of paper. One cohesive notebook focuses my brain and allows me to refer back to past tasks from previous days if I need to.” ―&nbsp;<em>Aron</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.huffpost.com/entry/professional-organizers-tidying-tasks-every-day_l_606ccf16c5b68ddf94b604d2?stat=524733&amp;socialnet=linkedin&amp;lnkey=2351687\">click here</a>.</p>\n<!-- /wp:paragraph -->','21 Little Tidying Tasks Professional Organizers Do Every Single Day','','publish','closed','closed','','21-little-tidying-tasks-professional-organizers-do-every-single-day','','','2022-04-25 23:17:37','2022-04-25 23:17:37','',0,'http://smartinsurance.tips/?page_id=1795',0,'page','',0),(1796,1,'2021-07-08 17:32:42','2021-07-08 17:32:42','<!-- wp:divi/placeholder /-->','21 Little Tidying Tasks Professional Organizers Do Every Single Day','','inherit','closed','closed','','1795-revision-v1','','','2021-07-08 17:32:42','2021-07-08 17:32:42','',1795,'http://smartinsurance.tips/?p=1796',0,'revision','',0),(1798,1,'2021-07-08 17:33:31','2021-07-08 17:33:31','','My-Post-12','','inherit','open','closed','','my-post-12-3','','','2021-07-08 17:33:31','2021-07-08 17:33:31','',1795,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-12.png',0,'attachment','image/png',0),(1802,1,'2021-07-08 18:01:10','2021-07-08 18:01:10','<!-- wp:image {\"id\":1801,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-13-1024x536.png\" alt=\"\" class=\"wp-image-1801\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Starting a new small business? Find out where to begin and how to achieve success.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>You want to make sure you prepare thoroughly before starting a business, but realize that things will almost certainly go awry. To run a successful business, you must adapt to changing situations.</li><li>Conducting in-depth market research on your field and the demographics of your potential clientele is an important part of crafting a business plan. This involves running surveys, holding focus groups, and researching SEO and public data.</li><li>Before you start selling your product or service, you need to build up your brand and get a following of people who are ready to jump when you open your doors for business.</li><li><strong>This article is for entrepreneurs who want to learn the basics steps of starting a new business.</strong></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Tasks like naming the business and creating a logo are obvious, but what about the less-heralded, equally important steps? Whether it\'s determining your business structure or crafting a detailed marketing strategy, the workload can quickly pile up. Rather than spinning your wheels and guessing at where to start, follow this 10-step checklist to transform your business from a lightbulb above your head to a real entity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"1-refine-your-idea\">1. Refine your idea.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you\'re thinking about starting a business, you likely already have an idea of what you want to sell online, or at least the market you want to enter. Do a quick search for existing companies in your chosen industry. Learn what current brand leaders are doing and figure out how you can do it better. If you think your business can deliver something other companies don\'t (or deliver the same thing, only faster and cheaper), or you\'ve got a solid idea and are ready to create a business plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Define your \"why.\"<br>\"In the words of Simon Sinek, \'always start with why,\'\" Glenn Gutek, CEO of Awake Consulting and Coaching, told Business News Daily. \"It is good to know why you are launching your business. In this process, it may be wise to differentiate between [whether] the business serves a personal why or a marketplace why. When your why is focused on meeting a need in the marketplace, the scope of your business will always be larger than a business that is designed to serve a personal need.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Consider franchising.<br>Another option is to open a franchise of an established company. The concept, brand following and business model are already in place; all you need is a good location and the means to fund your operation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Brainstorm your business name.<br>Regardless of which option you choose, it\'s vital to understand the reasoning behind your idea. Stephanie Desaulniers, owner of Business by Dezign and former director of operations and women\'s business programs at Covation Center, cautions entrepreneurs against writing a business plan or brainstorming a business name before nailing down the idea\'s value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Clarify your target customers.<br>Desaulniers said too often people jump into launching their business without spending time to think about who their customers will be and why would want to buy from them or hire them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"You need to clarify why you want to work with these customers – do you have a passion for making people\'s lives easier?\" Desaulniers said. \"Or enjoy creating art to bring color to their world? Identifying these answers helps clarify your mission. Third, you want to define how you will provide this value to your customers and how to communicate that value in a way that they are willing to pay.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>During the ideation phase, you need to iron out the major details. If the idea isn\'t something you\'re passionate about or if there\'s not a market for your creation, it might be time to brainstorm other ideas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"2-write-a-business-plan\">2. Write a business plan.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Once you have your idea in place, you need to ask yourself a few important questions: What is the purpose of your business? Who are you selling to? What are your end goals? How will you finance your startup costs? These questions can be answered in a well-written business plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A lot of mistakes are made by new businesses rushing into things without pondering these aspects of the business. You need to find your target customer base. Who is going to buy your product or service? If you can\'t find evidence that there\'s a demand for your idea, then what would be the point?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Conduct market research.<br>Conducting thorough market research on your field and demographics of potential clientele is an important part of crafting a business plan. This involves conducting surveys, holding focus groups, and researching SEO and public data.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Market research helps you understand your target customer – their needs, preferences and behavior – as well as your industry and competitors. Many small business professionals recommend gathering demographic information and conducting a competitive analysis to better understand opportunities and limitations within your market.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The best small businesses have products or services that are differentiated from the competition. This has a significant impact on your competitive landscape and allows you to convey unique value to potential customers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Consider an exit strategy.<br>It\'s also a good idea to consider an exit strategy as you compile your business plan. Generating some idea of how you\'ll eventually exit the business forces you to look to the future.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"Too often, new entrepreneurs are so excited about their business and so sure everyone everywhere will be a customer that they give very little, if any, time to show the plan on leaving the business,\" said Josh Tolley, CEO of both Shyft Capital and Kavana.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"When you board an airplane, what is the first thing they show you? How to get off of it. When you go to a movie, what do they point out before the feature begins to play? Where the exits are. Your first week of kindergarten, they line up all the kids and teach them fire drills to exit the building. Too many times I have witnessed business leaders that don\'t have three or four predetermined exit routes. This has led to lower company value and even destroyed family relationships.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A business plan helps you figure out where your company is going, how it will overcome any potential difficulties, and what you need to sustain it. When you\'re ready to put pen to paper, these free templates can help.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"3-assess-your-finances\">3. Assess your finances.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Starting any business has a price, so you need to determine how you\'re going to cover those costs. Do you have the means to fund your startup, or will you need to borrow money? If you\'re planning to leave your current job to focus on your business, do you have money put away to support yourself until you make a profit? It\'s best to find out how much your startup costs will be.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many startups fail because they run out of money before turning a profit. It\'s never a bad idea to overestimate the amount of startup capital you need, as it can be a while before the business begins to bring in sustainable revenue.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Perform a break-even analysis.<br>One way you can determine how much money you need is to perform a break-even analysis. This is an essential element of financial planning that helps business owners determine when their company, product or service will be profitable.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The formula is simple:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li><strong>Fixed Costs ÷&nbsp;</strong><strong>(Average Price - Variable Costs) = Break-Even Point</strong></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Every entrepreneur should use this formula as a tool because it informs you about the minimum performance your business must achieve to avoid losing money. Furthermore, it helps you understand exactly where your profits come from, so you can set production goals accordingly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are the three most common reasons to conduct a break-even analysis:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Determine profitability. This is generally every business owner\'s highest interest.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Ask yourself: How much revenue do I need to generate to cover all my expenses? Which products or services turn a profit, and which ones are sold at a loss?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>2. Price a product or service. When most people think about pricing, they consider how much their product costs to create and how competitors are pricing their products.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ask yourself: What are the fixed rates, what are the variable costs, and what is the total cost? What is the cost of any physical goods? What is the cost of labor?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>3. Analyze the data. What volumes of goods or services do you have to sell to be profitable?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ask yourself: How can I reduce my overall fixed costs? How can I reduce the variable costs per unit? How can I improve sales?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Watch your expenses.<br>Don\'t overspend when starting a business. Understand the types of purchases that make sense for your business and avoid overspending on fancy new equipment that won\'t help you reach your business goals. Monitor your business expenses to ensure you are staying on track.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"A lot of startups tend to spend money on unnecessary things,\" said Jean Paldan, founder and CEO of Rare Form New Media. \"We worked with a startup that had two employees but spent a huge amount on office space that would fit 20 people. They also leased a professional high-end printer that was more suited for a team of 100; it had key cards to track who was printing what and when. Spend as little as possible when you start, and only on the things that are essential for the business to grow and be a success. Luxuries can come when you\'re established.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Consider your funding options.<br>Startup capital for your business can come from various means. The best way to acquire funding for your business depends on several factors, including creditworthiness, the amount needed and available options.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li><strong>Business loans. </strong>If you need financial assistance, a commercial loan through a bank is a good starting point, although these are often difficult to secure. If you are unable to take out a bank loan, you can apply for a small business loan through the <a href=\"https://www.businessnewsdaily.com/15763-sba-loan-guide.html\">U.S. Small Business Administration</a> (SBA) or an alternative lender. <strong><br></strong></li><li><strong>Business grants. </strong>Business grants are similar to loans; however, they do not need to be paid back. Business grants are typically very competitive, and come with stipulations that the business must meet to be considered. When trying to <a href=\"https://www.businessnewsdaily.com/1951-small-business-grant.html\">secure a small business grant</a>, look for ones that are uniquely specific to your situation. Options include minority-owned business grants, grants for women-owned businesses and <a href=\"https://www.businessnewsdaily.com/15758-government-grants-for-small-businesses.html\">government grants</a>.<br></li><li><strong>Investors. </strong>Startups requiring significant funding upfront may want to <a href=\"https://www.businessnewsdaily.com/9078-angel-investor-funding-reasons.html\">bring on an investor</a>. Investors can provide several million dollars or more to a fledgling company, with the expectation that the backers will have a hands-on role in running your business.<br></li><li><strong>Crowdfunding. </strong>Alternatively, you could launch an equity crowdfunding campaign to raise smaller amounts of money from multiple backers. <a href=\"https://www.businessnewsdaily.com/4134-what-is-crowdfunding.html\">Crowdfunding</a> has helped numerous companies in recent years, and there are dozens of reliable crowdfunding platforms designed for different types of businesses. </li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">c</a><a href=\"https://www.businessnewsdaily.com/4686-how-to-start-a-business.html\">lick here</a>.</p>\n<!-- /wp:paragraph -->','How to start a Business: A Step-by-Step Guide?','','inherit','closed','closed','','1800-revision-v1','','','2021-07-08 18:01:10','2021-07-08 18:01:10','',1800,'http://smartinsurance.tips/?p=1802',0,'revision','',0),(1788,1,'2021-07-07 19:05:08','2021-07-07 19:05:08','<!-- wp:image {\"id\":1787,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-10-1024x536.png\" alt=\"\" class=\"wp-image-1787\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Whether you\'re trying to save money or just trying to get out of the same old rut, it can be fun to find new and interesting ways to enjoy your downtime.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Say goodbye to watching TV like a zombie day in and day out, and say hello to having more fun, creativity, and wellness in your life. Consider 13 ideas to help get you started.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li><strong>Hiking, Walking, or Biking</strong></li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>You don’t need to go to a gym to remain active. Instead, take a walk around your neighborhood or apartment complex. Seek out local trails that are for beginners and reconnect with nature.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If walking isn’t your speed, buy a cheap bike (new or used) for less than $100 and bike around your city. Better yet, if you’re in a major city, rent a bike for a day or two and see if it’s worth investing in the hobby.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Hiking and walking require only decent shoes—which you probably already have—and comfortable clothes. Having a backpack and water bottle can be useful for hiking, but they may not be essential for very short hikes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>These are great activities for families, couples, or friends. Going for a late-night bike ride or walk around town and then having a bonfire is a great way to end a night.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>2. Reading</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Reading is a cheap hobby that has a lot of benefits. It forces you to focus on something meaningful, can serve as an escape, and can spark creativity or inspiration. If you’re reading nonfiction books, you will probably learn something new.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you’re not the page-flipping type, try audiobooks. They’re like podcasts, and you can take them anywhere and listen to them on a walk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Instead of buying books, try borrowing them from the library. Many libraries continue to expand their digital selections, so the chance of being able to borrow an audiobook or e-book is greater than ever. You also can find many websites that offer free e-books, though they may be older.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>3. Writing</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-14\">You write and write and write all throughout school, and when you graduate, it might be the last thing you want to do. Many people don\'t think of writing as a hobby.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-15\">Keeping a journal can be good for the soul, though. If you find it hard to vent to people, or if it’s difficult for you to work through things out loud, writing down your thoughts can help you make sense of them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">Beyond that, writing poetry, a short story, or even a novel&nbsp;can be an amazing creative journey to undertake. All it takes is a pen and paper, or software like Microsoft Word or Google Docs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">Do you have a specific message you want to spread to the world? Blogging can be a great way to get it out there, and you can find plenty of free blogging sites online.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>4. Cooking and Baking</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Spending time in the kitchen can make some people miserable, but others thrive when they’re experimenting with different ingredients to make the perfect dish. The cost is whatever you pay for ingredients, and eating at home is cheaper than dining out.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>One of the best parts about cooking and baking is that so many recipes are available online, you don’t need a cookbook at all. You can choose to follow recipes or adapt them to make them your own. If you have your own garden, you can even source your very own ingredients for free.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>5. Playing Games</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some board games may seem expensive, but the cost of games isn’t that bad when you think about how much use you\'ll get out of them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, if you buy a board game for $30 and play it with your friends five times, that’s $6 of entertainment for one night—and the cost keeps going down the more you play it. Most board games are timeless, so it’s just a matter of finding one everyone can enjoy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Alternatively, many classic board games have online versions available for free or very little money that allow ​you to play with friends or family in other locations. This can be a great way to stay in touch with loved ones who live in other cities or states.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>6. Volunteering</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">Some might not consider volunteering a hobby, but it’s certainly an activity&nbsp;you can enjoy in your spare time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">Volunteering has a lot of benefits, too. You feel good when you’re able to give back, especially to a cause that matters to you. You also may get involved in a friendly community of volunteers and make new friends.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">Plus, you might be able to volunteer at a place where you’d love to work that’s specifically run by volunteers. It’s the next best thing to being employed there. Volunteering can also help you develop new skills you can use to boost your resume.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>7. Getting Artsy</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Depending on the medium, most artistic hobbies can be done on the cheap—especially when you consider that one-time investments often pay off in the future.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-31\">You might need to buy some brushes, pencils, paper, and paint, but the equipment and materials should last for a few months at least.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-32\">You also could&nbsp;design graphics on the computer. There are a number of programs available for free, and you can get Photoshop for as little as $10 a month.<sup>1</sup>﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">You even could go back to basics and use adult coloring books to pass the time, or you can attend a free class at a craft store.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>8. Learning</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You might not think of learning as a hobby, but the possibilities are endless.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You can choose to learn a new language or a new skill that you can put to use at work. Or maybe, there is a specific topic you\'ve always wanted to research. None of this has to involve formal study; you can follow your own path at your own pace.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The pursuit of knowledge is a worthy one, and there are tons of free resources online and at local libraries that you can use to learn more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>9. Camping</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-39\">Camping is a great hobby to pair with hiking, and it\'s fairly inexpensive.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-40\">For complete beginners, a tent, sleeping bag, firewood, and fire-starting materials are the basics to purchase. You can buy a small tent for around $25-$35, and basic sleeping bags are around the same price.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-41\">To start a fire, all you really need are twigs and branches around the campsite, and a lighter to start the fire.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-42\">Of course, you\'ll need to bring food unless you\'re fishing or hunting, but simple recipes&nbsp;are often&nbsp;all you need.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-43\">If there are any avid campers in your family or circle of friends, ask them if you can come with them on a trip. That way, you don\'t need to invest much, and you can see if you like it before dropping more money on quality materials that will last for decades.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>10. Playing Music</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-45\">Have you ever wanted to learn how to play the piano? Guitar? Violin? Just because band class is over doesn’t mean you can’t pick up an instrument and learn. You don’t need a private tutor, either, unless you learn better from having a mentor. Many tutorials for beginners are available online.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-46\">Shop around for an instrument or see if you can borrow one from a friend, so you can decide how committed you are.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>11. Exercising</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-48\">Exercising is a great hobby—and habit—to have. It will get you into good physical and mental shape, which can provide a variety of benefits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-49\">You don’t need a gym membership, but if you choose to get one, many offer low-cost packages that range from $10-$30 per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-50\">You can also get your own weights or learn how to do body weight exercises. Or do yoga—you just need a mat. There are plenty of free workouts on YouTube, and your phone probably has a few free fitness apps as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>12. Fostering Animals</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-52\">If you’re not in the best financial position to adopt a pet, or if you don’t want a long-term commitment to one, fostering can be a good way to indulge your love for furry creatures.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-53\">You’re helping to make space in a shelter, socialize someone\'s future pet, and give it a break from the stressful environment of a shelter. Plus, most foster agreements&nbsp;stipulate that the shelter or organization is responsible for medical care, and they may be nice enough to supply you with essentials as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-54\">It’s basically the same cost as having a pet, without the adoption or medical fees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-55\">If you can\'t help but get attached, pet-sitting is a good alternative.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>13. Decluttering</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-57\">It may sound strange, but believe it or not, decluttering can become addicting once you get into it. Some people have even created businesses around helping people declutter!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-58\">As a bonus, this hobby may make you some money. Consider listing some of your things on an online marketplace or have a garage sale.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-59\">Another added bonus? This creates space in your house. If you\'ve been thinking of buying a storage garage or upgrading your house, you may not need to do so once you declutter.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 id=\"mntl-sc-block_3-0\"><strong>Finding Inspiration</strong></h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-60\">If none of these hobbies speak to you, look to your friends and family for ideas. Do any of them have interesting hobbies you want to learn more about? Ask them, and they may be able to help you bring down the cost by letting you borrow certain things or letting you partake in their hobbies with them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalance.com/cheap-and-fun-hobbies-4125444\">click here</a>.</p>\n<!-- /wp:paragraph -->','13 Hobbies That Are Both Cheap and Fun','','inherit','closed','closed','','1784-revision-v1','','','2021-07-07 19:05:08','2021-07-07 19:05:08','',1784,'http://smartinsurance.tips/?p=1788',0,'revision','',0),(1793,1,'2021-07-08 17:24:39','2021-07-08 17:24:39','<!-- wp:image {\"id\":1792,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-11-1024x536.png\" alt=\"\" class=\"wp-image-1792\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Each type of retirement benefit has a different eligibility age. Your age plays a big role in how much you can expect to receive from Social Security and what you need to do to avoid retirement account penalties. Remember to factor these important ages into your retirement plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Key Milestones for Retirement</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><li>Max out retirement accounts at age 49 or younger.</li><li>Take advantage of catch-up contributions beginning at age 50.</li><li>Your 401(k) withdrawal age might be 55.</li><li>The IRA retirement age is 59 1/2.</li><li>At age 62 you are eligible to begin Social Security payments.</li><li>Medicare eligibility begins at age 65.</li><li>The Social Security full retirement age is 66 for most baby boomers.</li><li>Age 67 is the Social Security full retirement age for younger generations.</li><li>You can boost your monthly Social Security payments if you delay claiming until age 70.</li><li>The 401(k) and IRA required minimum distribution age is 72.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Max Out Retirement Accounts at Age 49 or Younger</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Workers who begin to save for retirement early in their career are best able to take advantage of compounding investment returns. Saving in a retirement account can additionally qualify you for tax breaks and employer contributions. The 401(k) contribution limit is $19,500 in 2021. Workers can also deposit up to $6,000 in a traditional or Roth individual retirement account.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"Roth accounts typically favor younger employees. The idea is to pay tax now at a lower rate, given your wages are expected to increase, and then have your investments grow tax-free,\" says Rick Vazza, a certified financial planner and president of Driven Wealth Management in San Diego. \"Using the traditional component of an account may be more appropriate for individuals already in peak earning years. Theoretically, they can avoid the tax in the currently high-earning years, and pay the tax at a potentially lower tax rate in retirement.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Take Advantage of Catch-Up Contributions Beginning at Age 50</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Beginning at age 50 you can ramp up your retirement account contributions. Employees age 50 and older can make 401(k) catch-up contributions of up to $6,500 for a maximum possible 401(k) contribution of $26,000 in 2021. Those age 50 and up can also deposit an extra $1,000 in an IRA, or $7,000 in total for 2021.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"The increase to the contribution limit is fantastic for those who can take advantage of maxing out those contributions,\" says Laura Morganelli, a certified financial planner for Captrust in Allentown, Pennsylvania. Making catch-up contributions allows older workers to tuck additional money into retirement accounts and qualify for a bigger tax deduction in the years leading up to retirement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Your 401(k) Withdrawal Age Might Be 55</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you leave your job in the year you turn age 55 or older, you can take penalty-free 401(k) withdrawals from the account associated with your most recent job. The rule of 55 allows you to avoid the 10% early withdrawal penalty, but income tax will still apply to each traditional 401(k) distribution. However, if you roll your 401(k) account balance over to an IRA, you will need to wait until age 59 1/2 to take IRA withdrawals without penalty.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>The IRA Retirement Age Is 59 1/2</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The 10% early withdrawal penalty on IRA distributions ends at age 59 1/2. However, traditional IRA distributions are not required until after age 72. Income tax will be due on each withdrawal from your traditional IRA.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>At Age 62 You Are Eligible to Begin Social Security Payments</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You can start collecting your Social Security payments at age 62. However, your monthly payments will be reduced if you begin payments at this age.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"If your full retirement age is 67 and you retire at 62, you are looking at a 30% per month reduction,\" says Alexandra Baig, a certified financial planner at Companions On Your Journey in Brookfield, Illinois.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Also, if you work after signing up for Social Security, your benefit checks could be temporarily withheld if you are paid more than the annual earnings limit. \"If you retire before your full retirement age and continue to work and earn more than $18,960 per year, for every $2 above this amount, Social Security will reduce your benefit by $1,\" Baig says. Once you reach your full retirement age, your Social Security benefit will be recalculated to give you credit for the benefit withholding and your continued earnings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Medicare Eligibility Begins at Age 65</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You can first enroll in Medicare during a seven-month period that begins three months before the month you turn 65. Take care to sign up on time, because your Medicare Part B premiums will increase by 10% for each 12-month period you were eligible for benefits but did not enroll. If you delay enrollment because you or your spouse is covered by a group health plan at work, sign up for Medicare within eight months of leaving the job or health plan to avoid the penalty.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>The Social Security Full Retirement Age Is 66 for Most Baby Boomers</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>People born between 1943 and 1954 qualify for their full Social Security benefit at age 66. The Social Security full retirement age gradually increases from 66 and two months to 66 and 10 months for those born between 1955 and 1959. For example, the full retirement age is 66 and six months for people born in 1957. Once you turn your full retirement age, you can work while receiving Social Security benefits without having any of your payments withheld.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Age 67 Is the Social Security Full Retirement Age for Younger Generations</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The Social Security full retirement age is 67 for workers born in 1960 or later. Millennials and younger generations need to wait until age 67 to qualify for their full Social Security benefit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>You Can Boost Your Monthly Social Security Payments if You Delay Claiming Until Age 70</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Social Security payments increase by 8% for each year you wait to start your payments between your full retirement age and age 70. After age 70, there is no additional benefit to waiting to sign up for Social Security.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"If you wait until after full retirement age to claim your retirement benefit, the amount you receive will be greater than your primary insurance amount,\" says Mike Piper, a certified public accountant and author of \"Social Security Made Simple.\" \"The increase is two-thirds of 1% of your primary insurance amount for each month you wait beyond full retirement age up to age 70, beyond which there is no increase for waiting.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>The 401(k) and IRA Required Minimum Distribution Age is 72</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Those over age 72 are typically required to take annual withdrawals from 401(k)s and traditional IRAs and pay the resulting income tax bill. The penalty for missing a required minimum distribution is a stiff 50% of the amount that should have been taken out.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your first distribution must be taken by April 1 of the year after you turn 72. After that, annual withdrawals are due by Dec. 31 each year. Those who delay the first withdrawal until April will need to take two distributions in the same year, which could result in a big tax bill that year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, there are several exceptions to the required IRA and 401(k) withdrawal age. If you continue to work after age 72 for a company you don\'t own, you can delay 401(k) withdrawals from the retirement account at that job until you actually retire. A qualified charitable distribution from an IRA directly to a qualifying charity can also satisfy the minimum distribution requirement. Roth IRAs don\'t have withdrawal requirements in retirement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://money.usnews.com/money/retirement/aging/articles/10-important-ages-for-retirement-planning\">click here</a>.</p>\n<!-- /wp:paragraph -->','10 Important Ages for Retirement Planning','','inherit','closed','closed','','1789-revision-v1','','','2021-07-08 17:24:39','2021-07-08 17:24:39','',1789,'http://smartinsurance.tips/?p=1793',0,'revision','',0),(1800,1,'2021-07-08 18:01:10','2021-07-08 18:01:10','<!-- wp:image {\"id\":1801,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-13-1024x536.png\" alt=\"\" class=\"wp-image-1801\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Starting a new small business? Find out where to begin and how to achieve success.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>You want to make sure you prepare thoroughly before starting a business, but realize that things will almost certainly go awry. To run a successful business, you must adapt to changing situations.</li><li>Conducting in-depth market research on your field and the demographics of your potential clientele is an important part of crafting a business plan. This involves running surveys, holding focus groups, and researching SEO and public data.</li><li>Before you start selling your product or service, you need to build up your brand and get a following of people who are ready to jump when you open your doors for business.</li><li><strong>This article is for entrepreneurs who want to learn the basics steps of starting a new business.</strong></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Tasks like naming the business and creating a logo are obvious, but what about the less-heralded, equally important steps? Whether it\'s determining your business structure or crafting a detailed marketing strategy, the workload can quickly pile up. Rather than spinning your wheels and guessing at where to start, follow this 10-step checklist to transform your business from a lightbulb above your head to a real entity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"1-refine-your-idea\">1. Refine your idea.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you\'re thinking about starting a business, you likely already have an idea of what you want to sell online, or at least the market you want to enter. Do a quick search for existing companies in your chosen industry. Learn what current brand leaders are doing and figure out how you can do it better. If you think your business can deliver something other companies don\'t (or deliver the same thing, only faster and cheaper), or you\'ve got a solid idea and are ready to create a business plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Define your \"why.\"<br>\"In the words of Simon Sinek, \'always start with why,\'\" Glenn Gutek, CEO of Awake Consulting and Coaching, told Business News Daily. \"It is good to know why you are launching your business. In this process, it may be wise to differentiate between [whether] the business serves a personal why or a marketplace why. When your why is focused on meeting a need in the marketplace, the scope of your business will always be larger than a business that is designed to serve a personal need.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Consider franchising.<br>Another option is to open a franchise of an established company. The concept, brand following and business model are already in place; all you need is a good location and the means to fund your operation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Brainstorm your business name.<br>Regardless of which option you choose, it\'s vital to understand the reasoning behind your idea. Stephanie Desaulniers, owner of Business by Dezign and former director of operations and women\'s business programs at Covation Center, cautions entrepreneurs against writing a business plan or brainstorming a business name before nailing down the idea\'s value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Clarify your target customers.<br>Desaulniers said too often people jump into launching their business without spending time to think about who their customers will be and why would want to buy from them or hire them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"You need to clarify why you want to work with these customers – do you have a passion for making people\'s lives easier?\" Desaulniers said. \"Or enjoy creating art to bring color to their world? Identifying these answers helps clarify your mission. Third, you want to define how you will provide this value to your customers and how to communicate that value in a way that they are willing to pay.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>During the ideation phase, you need to iron out the major details. If the idea isn\'t something you\'re passionate about or if there\'s not a market for your creation, it might be time to brainstorm other ideas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"2-write-a-business-plan\">2. Write a business plan.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Once you have your idea in place, you need to ask yourself a few important questions: What is the purpose of your business? Who are you selling to? What are your end goals? How will you finance your startup costs? These questions can be answered in a well-written business plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A lot of mistakes are made by new businesses rushing into things without pondering these aspects of the business. You need to find your target customer base. Who is going to buy your product or service? If you can\'t find evidence that there\'s a demand for your idea, then what would be the point?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Conduct market research.<br>Conducting thorough market research on your field and demographics of potential clientele is an important part of crafting a business plan. This involves conducting surveys, holding focus groups, and researching SEO and public data.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Market research helps you understand your target customer – their needs, preferences and behavior – as well as your industry and competitors. Many small business professionals recommend gathering demographic information and conducting a competitive analysis to better understand opportunities and limitations within your market.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The best small businesses have products or services that are differentiated from the competition. This has a significant impact on your competitive landscape and allows you to convey unique value to potential customers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Consider an exit strategy.<br>It\'s also a good idea to consider an exit strategy as you compile your business plan. Generating some idea of how you\'ll eventually exit the business forces you to look to the future.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"Too often, new entrepreneurs are so excited about their business and so sure everyone everywhere will be a customer that they give very little, if any, time to show the plan on leaving the business,\" said Josh Tolley, CEO of both Shyft Capital and Kavana.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"When you board an airplane, what is the first thing they show you? How to get off of it. When you go to a movie, what do they point out before the feature begins to play? Where the exits are. Your first week of kindergarten, they line up all the kids and teach them fire drills to exit the building. Too many times I have witnessed business leaders that don\'t have three or four predetermined exit routes. This has led to lower company value and even destroyed family relationships.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A business plan helps you figure out where your company is going, how it will overcome any potential difficulties, and what you need to sustain it. When you\'re ready to put pen to paper, these free templates can help.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"3-assess-your-finances\">3. Assess your finances.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Starting any business has a price, so you need to determine how you\'re going to cover those costs. Do you have the means to fund your startup, or will you need to borrow money? If you\'re planning to leave your current job to focus on your business, do you have money put away to support yourself until you make a profit? It\'s best to find out how much your startup costs will be.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many startups fail because they run out of money before turning a profit. It\'s never a bad idea to overestimate the amount of startup capital you need, as it can be a while before the business begins to bring in sustainable revenue.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Perform a break-even analysis.<br>One way you can determine how much money you need is to perform a break-even analysis. This is an essential element of financial planning that helps business owners determine when their company, product or service will be profitable.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The formula is simple:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li><strong>Fixed Costs ÷&nbsp;</strong><strong>(Average Price - Variable Costs) = Break-Even Point</strong></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Every entrepreneur should use this formula as a tool because it informs you about the minimum performance your business must achieve to avoid losing money. Furthermore, it helps you understand exactly where your profits come from, so you can set production goals accordingly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are the three most common reasons to conduct a break-even analysis:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Determine profitability. This is generally every business owner\'s highest interest.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Ask yourself: How much revenue do I need to generate to cover all my expenses? Which products or services turn a profit, and which ones are sold at a loss?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>2. Price a product or service. When most people think about pricing, they consider how much their product costs to create and how competitors are pricing their products.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ask yourself: What are the fixed rates, what are the variable costs, and what is the total cost? What is the cost of any physical goods? What is the cost of labor?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>3. Analyze the data. What volumes of goods or services do you have to sell to be profitable?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ask yourself: How can I reduce my overall fixed costs? How can I reduce the variable costs per unit? How can I improve sales?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Watch your expenses.<br>Don\'t overspend when starting a business. Understand the types of purchases that make sense for your business and avoid overspending on fancy new equipment that won\'t help you reach your business goals. Monitor your business expenses to ensure you are staying on track.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>\"A lot of startups tend to spend money on unnecessary things,\" said Jean Paldan, founder and CEO of Rare Form New Media. \"We worked with a startup that had two employees but spent a huge amount on office space that would fit 20 people. They also leased a professional high-end printer that was more suited for a team of 100; it had key cards to track who was printing what and when. Spend as little as possible when you start, and only on the things that are essential for the business to grow and be a success. Luxuries can come when you\'re established.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Consider your funding options.<br>Startup capital for your business can come from various means. The best way to acquire funding for your business depends on several factors, including creditworthiness, the amount needed and available options.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li><strong>Business loans. </strong>If you need financial assistance, a commercial loan through a bank is a good starting point, although these are often difficult to secure. If you are unable to take out a bank loan, you can apply for a small business loan through the <a href=\"https://www.businessnewsdaily.com/15763-sba-loan-guide.html\">U.S. Small Business Administration</a> (SBA) or an alternative lender. <strong><br></strong></li><li><strong>Business grants. </strong>Business grants are similar to loans; however, they do not need to be paid back. Business grants are typically very competitive, and come with stipulations that the business must meet to be considered. When trying to <a href=\"https://www.businessnewsdaily.com/1951-small-business-grant.html\">secure a small business grant</a>, look for ones that are uniquely specific to your situation. Options include minority-owned business grants, grants for women-owned businesses and <a href=\"https://www.businessnewsdaily.com/15758-government-grants-for-small-businesses.html\">government grants</a>.<br></li><li><strong>Investors. </strong>Startups requiring significant funding upfront may want to <a href=\"https://www.businessnewsdaily.com/9078-angel-investor-funding-reasons.html\">bring on an investor</a>. Investors can provide several million dollars or more to a fledgling company, with the expectation that the backers will have a hands-on role in running your business.<br></li><li><strong>Crowdfunding. </strong>Alternatively, you could launch an equity crowdfunding campaign to raise smaller amounts of money from multiple backers. <a href=\"https://www.businessnewsdaily.com/4134-what-is-crowdfunding.html\">Crowdfunding</a> has helped numerous companies in recent years, and there are dozens of reliable crowdfunding platforms designed for different types of businesses. </li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">c</a><a href=\"https://www.businessnewsdaily.com/4686-how-to-start-a-business.html\">lick here</a>.</p>\n<!-- /wp:paragraph -->','How to start a Business: A Step-by-Step Guide?','','publish','closed','closed','','how-to-start-a-business-a-step-by-step-guide','','','2021-07-08 18:01:11','2021-07-08 18:01:11','',0,'http://smartinsurance.tips/?page_id=1800',0,'page','',0),(1801,1,'2021-07-08 17:50:34','2021-07-08 17:50:34','','My-Post-13','','inherit','open','closed','','my-post-13-3','','','2021-07-08 17:50:34','2021-07-08 17:50:34','',1800,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-13.png',0,'attachment','image/png',0),(1799,1,'2021-07-08 17:48:10','2021-07-08 17:48:10','<!-- wp:image {\"id\":1798,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-12-1024x536.png\" alt=\"\" class=\"wp-image-1798\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Organizing your home takes time and effort, but it doesn’t have to be one big daunting project. In fact, when it comes to decluttering, it’s the little things that make a difference.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Small tidying tasks are an easy way for busy people to keep their house neat and organized without a large time commitment,” Sarah Giller Nelson, founder of Less Is More Organizing, told HuffPost. “There is a real feeling of accomplishment that comes with getting things done. Since these tasks are small and not very time consuming, it becomes something easy to celebrate: I might not have accomplished much today, but at least I made my bed!”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“As we move through our spaces we are constantly taking items out of their homes to use and enjoy,” she continued. “Since the taking out is constant, the putting back must be constant as well, or else the clutter will accumulate. Doing little things each day helps keep us on top of it all.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Don’t know where to get started? We asked Nelson and professional organizers to share the small tidying tasks they do on the daily to keep their own homes organized.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Below, we’ve rounded up 21 of their go-to mini chores. While it may be unrealistic to do <em>all</em> of these things each day, try to pick a few to work into your routine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3><strong>Make the bed</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I make my bed every morning. It really is the biggest bang-for-your-buck tidying activity you can do. The bed is the dominant feature in the bedroom so if it is made, then the entire space looks calmer. And all it takes is 30 seconds!” ― Sarah Giller Nelson, founder of Less Is More Organizing</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Making my bed every morning is a habit instilled in me by my mom at a young age. The day doesn’t feel ready to begin until I’ve done that. There is also the mindfulness aspect to this. When we pay attention to the cycle of things, we can focus on and enjoy the process of what we’re doing. … Pay attention to smoothing the sheets, fluffing the pillows, feeling the fabric, getting yourself and your bedroom ready for the day. At night, you pull down the covers and slip into bed for a good night’s sleep. You rest more peacefully and better when you enter a bed that is sleep-ready.” ― Linda Samuels, professional organizer at Oh, So Organized</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Deal with the mail</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“When I bring in the mail, I deal with it right away: recycle junk; file statements (yup, I still get some in paper); put to-dos into my follow-up system (I hate the word ‘tickler file’); put</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“When I bring in the mail, I deal with it right away: recycle junk; file statements (yup, I still get some in paper); put to-dos into my follow-up system (I hate the word ‘tickler file’); put magazines into a tray on the coffee table to read later; leave other nonurgent mail in a tray with a cheery paperweight that says ‘Cheers’ to be dealt with when I have time.” ― Lisa Zaslow, professional organizer at Gotham Organizers</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“If you open your mail each day it only takes a few minutes, but if you wait weeks you’re going to have piles and piles of paper which becomes overwhelming. I open the mail, open any packages, fill out return labels and repack anything not being kept. I throw away any periodicals that have been replaced with a new issue ― I discard daily periodicals daily, weekly periodicals weekly, and monthly periodicals monthly.” ― Barbara Reich, professional organizer at Life Organized</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Organize groceries</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I update my grocery inventory list on my fridge, so I know exactly what I need to buy if I stop at the store.” ― Pooja Naik, organizing consultant at Organizing With You, Inc.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I put away groceries and dry goods and throw away any food in the refrigerator that’s past its expiration date.” ― Reich</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“One small tidying task I do every day is keeping my refrigerator clean and organized.” ― Nicole Arroyo, professional organizer at Neatly Nic</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Keep the bathroom in order</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“When I’m finished showering, I clear grooming supplies off of the counter, put dirty clothes in the hamper, and hang my towel on the rod.” ― Seana Turner, founder of The Seana Method</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I put my beauty products back in their home after use to leave a clear bathroom sink.” ― Jeni Aron, professional organizer at Clutter Cowgirl</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Other small daily tidying tasks include removing hair from the shower drain trap, hanging up towels (nicely), wiping down the sink and bathroom surfaces.” ― Samuels</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Wipe down the shower after use</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I wipe the shower after showering to prevent mildew and grout discoloration.” ― Jeffrey Phillip, professional organizer and interior designer</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I wipe down the glass shower door after my shower.” ― Turner</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Pick up toys</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Put away all the kids’ toys (they can help with this and should). Basically, reset the house so that it’s good to go when we awake the next day, ensuring a smooth as possible start.” ― Beth Penn, professional organizer at Bneato Bar</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Put clothes away</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Clothes can make any space look way worse than it actually is. So keep a hamper for dirty clothes and towels and avoid leaving these things on the floor, in chairs, on the bed, etc. Only wash as many clothes as you have time to put away immediately. Try not to let laundry baskets stay full. Note: There are laundry baskets that flatten so they can be more easily stored.” ― Carolyn Rogers, professional organizing consultant at Neat Nerd Solutions</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I never go to sleep with my clothing on the floor. I have a rule that I get undressed in my closet, so I can immediately put things into the laundry, fold them, or hang them, and they don’t hit the floor. Like anything else, avoided clothing can become big, messy mounds which are overwhelming to deal with.” ― Tova Weinstock, professional organizer at Tidy Tova</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Pick up clothes lying around the house. Or better yet, don’t put clothes anywhere they aren’t supposed to go. Hang up coats, put laundry in the bin and put clothes in the closet or drawers.” ― Melissa Levy, founder of Declutter + Design</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Clear surfaces</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Clear off countertops. Surfaces take a beating, whether it’s mail, homework or other paperwork, it often gets put down and forgotten. So do lots of other things throughout the day. Taking 10 minutes at the end of the day or 30 at the end of the week to target clearing off surfaces will help you stay on top of the clutter.” ― <em>Levy</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Maintain clear surfaces and countertops. Countertops are actually the hidden workhorses of the home. Keeping them neat and clear goes a long way. When they are not being used, a clear surface reads as clean, open and airy. When needed, it becomes a drop zone, baking area, desk or even a game night centerpiece.” ― Dina Smith, professional organizer at Closet Therapy with Dina</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Tidy pillows and blankets</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I fluff and fix pillows and cushions on the couch before bed.” ―&nbsp;<em>Phillip</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I neatly fold throws on the couch and fluff pillows. Less than a minute, and the living room feels refreshed.” ― <em>Zaslow</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Wash and put away the dishes</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I always make sure that all of the dishes are clean before I go to sleep. That way, when I go in to make my coffee each morning, I am greeted by a clean, calm space.” ―&nbsp;<em>Nelson</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I often laugh and tell people that the major characteristic of living an organized life is frequently walking around and putting things away. I do this continually all day long, and particularly when I finish using a space. For example, after eating, I put dirty dishes in the dishwasher, return the food containers to the pantry or fridge, throw out any trash, and push in my chair.” ―&nbsp;<em>Turner</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Sometimes I leave dirty dishes but never without soaking them in water. I think it’s OK to leave a few dirty dishes at night, but I always make sure to leave them soaking in water. There’s nothing more frustrating than wasting time scraping off food scraps when it can be so easily avoided.” ―&nbsp;<em>Weinstock</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Clean out bags</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I always empty my bag at the end of the day and then prepare it for the next day. I throw away any garbage, wash food containers, and make sure the items I need for the following day are packed and ready to go. This daily practice saves me a ton of time the following morning and keeps my bag clear of becoming a garbage disposal ― I’ve seen lots of those in my work with clients.” ―&nbsp;<em>Weinstock</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I put my keys back in my purse. There’s a lot that’s uncertain in life. It’s comforting to always know where your keys are! And extremely frustrating when you have to spend time looking for them.” ―&nbsp;<em>Zaslow</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Organize papers</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I stack papers neatly if they can’t be filed or discarded right away and must remain in plain sight.” ―&nbsp;<em>Rogers</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I look at my papers every day, so bills, RSVPs, important messages don’t get ignored. I have a proven system for paper organization!” ―&nbsp;<em>Naik</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Wash face masks</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“For the past year I’ve added these steps: Wash my hands and hang up my mask to be washed later. I wash masks so they’re clean and ready for tomorrow.” ―&nbsp;<em>Zaslow</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Put items where they belong</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Most of my ‘tidy tasks’ happen through the day, and it’s all about putting away what I take out and use as I finish using it. At the very end of the day, I do one final sweep to clear my desk, the sofa, the kitchen counters. My rule: If I take it out, I have to put it back.” ― Regina Lark, professional organizer at A Clear Path</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“At night, I corral my remote controls to the center of the family room table, fold and hang the blanket on the back of the chair, and straighten the pillows. The goal for me is to leave a space the way I want it to be when I return. This means not only looking tidy, but more importantly in such a state that it is ready to function. I rarely leave a room without making sure the surfaces are clear, and my supplies are tucked away exactly where I have decided they will live.” ― Turner</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I return any activity items ― work related, hobby related, etc. ― to their proper zones in the home and/or proper containers each night before bed.” ― Kellie Powell, lead professional organizer and COO of Dexterous Organizing</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Put things away in their designated place when you’re done using them. Make sure that there is easy access to things that are used frequently. Having to pull out multiple things to reach something at the back increases the chances that it won’t all be put away properly or at all.” ―&nbsp;<em>Rogers</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Keep shoes in the entryway</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I maintain a shoe-free home. The rule of thumb is, ‘If you are willing to mop, you can feel free to wear your shoes inside.’ Removing shoes cuts down on cleaning, mopping, vacuuming, and lowers the number of germs and bacteria in the home. It also shifts your mood and mindset from outside to ‘home.’” ―&nbsp;<em>Smith</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I tidy the entry area ― shoes away, coats and accessories hung or put away, etc.” ―&nbsp;<em>Phillip</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Clean one specific area</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Cleaning precedes organizing in most cases, and they go hand in hand. So I try to thoroughly clean one area of my home every day. This is so much easier than having to set aside a whole lot of time to do major cleaning for the entire home. ... I pick an area and try to tidy up with a timer. No more than 5 minutes, but I try to be consistent. When you take baby steps at a time with organizing, it makes it more enjoyable and will provide the momentum needed to keep going as opposed to taking on too much at once and then not going back because it felt grueling. I even recommend setting a timer for organizing, like 5 or 10 minutes and stopping when the timer goes off. The important thing is to do the little things each day.” ―&nbsp;<em>Naik</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Discard trash and unwanted items</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“When something becomes trash, put it in the trash. It sounds simple, but debris adds to visual and physical clutter. Staying on top of things that need to be discarded is a great way to keep things tidy. One tip is to keep a shopping bag for donation in your closet. When you notice something needs to be donated you have a place for it. When it gets full, take it out and open another bag.” ―&nbsp;<em>Smith</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I purge a clothing item if I try it on and it’s not a great fit for me. Putting it back in the drawer is only leaving me to make the same decision in the future.” ―&nbsp;<em>Aron</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Remove things from the floor</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I adhere to the rule that the floor is not for storage. At the end of the day, I do a walk through of my home to pick up and put away anything that might have been placed on the floor.” ―&nbsp;<em>Nelson</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Organize the desk</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“When I’m at my desk, I tend to work messy! Throughout the day I put pens, pencils and markers back in the (not too full!) pen cup on my desk. This is surprisingly satisfying! It’s like a mini break that instantly creates some clear space and helps me focus.” ―&nbsp;<em>Zaslow</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Do anything that takes less than five minutes</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“Anything that takes less than five minutes to complete, I do it right away. Think about the time it takes you to add it to your to-do list, and the action could be almost completed in that time!” ― Julie Naylon, professional organizer at No Wire Hangers</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Prepare for the next day</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>“I prepare for the next day ― plan what I’m going to wear, what I need to take with me when I leave the house, and what I will eat. Thinking about this ahead of time means that I’m rarely caught unprepared.” ―&nbsp;<em>Reich</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Before going to bed, I make sure everything is ready to start the next day. This could include doing the dishes and making sure the kitchen is clean.” ― <em>Naylon</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I keep a notebook of errands and to-do items instead of lots of little scraps of paper. One cohesive notebook focuses my brain and allows me to refer back to past tasks from previous days if I need to.” ― <em>Aron</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.huffpost.com/entry/professional-organizers-tidying-tasks-every-day_l_606ccf16c5b68ddf94b604d2?stat=524733&amp;socialnet=linkedin&amp;lnkey=2351687\">click here</a>.</p>\n<!-- /wp:paragraph -->','21 Little Tidying Tasks Professional Organizers Do Every Single Day','','inherit','closed','closed','','1795-revision-v1','','','2021-07-08 17:48:10','2021-07-08 17:48:10','',1795,'http://smartinsurance.tips/?p=1799',0,'revision','',0),(1803,1,'2021-07-08 19:05:21','2021-07-08 19:05:21','<!-- wp:image {\"id\":1806,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/download-1-1024x576.jpg\" alt=\"\" class=\"wp-image-1806\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Are you worried that the IRS might expose the personal data you submitted when filing taxes online, or that the DMV might spill all your personal information? That’s not paranoid; it’s rational. High-level breaches can and do happen, and there’s nothing you can do to prevent them. But other attacks on your security and privacy hit closer to home. When you sit down to work on your novel one day, you may find all the existing chapters encrypted by ransomware. You might also log into your online banking system and see a big fat zero balance, because a data-stealing Trojan captured your credentials. On the bright side, you can mount your own defense against these local problems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Making your devices, online identity, and activities more secure really doesn\'t take much effort. In fact, several of our tips about what you can do to be more secure online boil down to little more than common sense. These tips for being more secure in your online life will help keep you safer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"1-install-an-antivirus-and-keep-it-updated\">1. Install an Antivirus and Keep It Updated</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>We call this type of software antivirus, but fending off actual computer viruses is just one small part of what they do. Ransomware encrypts your files and demands payment to restore them. Trojan horse programs seem like valid programs, but behind the scenes they steal your private information. Bots turn your computer into a soldier in a zombie army, ready to engage in a denial-of-service attack, or spew spam, or whatever the bot herder commands. An effective antivirus protects against these and many other kinds of malware.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In theory, you can set and forget your antivirus protection, letting it hum along in the background, download updates, and so on. In practice, you should look it over every now and then. Most antivirus utilities display a green banner or icon when everything is hunky-dory. If you open the utility and see yellow or red, follow the instructions to get things back on track.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You may be thinking, wait, isn\'t antivirus built into Windows? Not only is Microsoft Windows Defender Security Center baked into the operating system, it automatically takes over protection when it detects no other antivirus, and just as automatically steps aside when you install third-party protection. The thing is, this built-in antivirus just doesn\'t compare with the best third-party solutions. Even the best free ones are way better than Windows Defender. Don\'t rely on it; you can do better.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Whether you\'ve chosen a simple antivirus or a full security suite, you\'ll need to renew it every year. Your best bet is to enroll in automatic renewal. With some security products, doing so enables a malware-free guarantee. You can always opt out later, if you get the urge to switch to a different product.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>One more thing. If your antivirus or security suite doesn\'t have ransomware protection, consider adding a separate layer of protection. Many ransomware-specific utilities are entirely free, so there\'s no reason not to try a few of them and select the one that suits you best.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"2-explore-the-security-tools-you-install\">2. Explore the Security Tools You Install</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Many excellent apps and settings help protect your devices and your identity, but they\'re only valuable if you know how to use them properly. To get the maximum protective power from these tools, you must understand their features and settings. For example, your smartphone almost certainly includes an option to find it if lost, and you may have even turned it on. But did you actively try it out, so you\'ll know how to use it if needed?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Most antivirus tools have the power to fend off Potentially Unwanted Applications (PUAs), troublesome apps that aren\'t exactly malware but don\'t do anything beneficial. But not all of them enable PUA detection by default. Check the detection settings and make sure your\'s configured to block these annoyances. Likewise, your security suite may have components that aren\'t active until you turn them on. When you install a new security product, flip through all the pages of the main window, and at least take a glance at the settings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To be totally sure your antivirus is configured and working correctly, you can turn to the security features check page on the website of the AMTSO (Anti-Malware Testing Standards Organization). If your antivirus doesn\'t pass, it\'s time to contact tech support and find out why.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"3-use-unique-passwords-for-every-login\">3. Use Unique Passwords for Every Login</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>One of the easiest ways hackers steal information is by getting a batch of username and password combinations from one source and trying those same combinations elsewhere. For example, let\'s say hackers got your username and password by hacking an email provider. They might try to log into banking sites or major online stores using the same username and password combination. The single best way to prevent one data breach from having a domino effect is to use a strong, unique password for every single online account you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Creating a unique and strong password for every account is not a job for a human. That why you use a password manager. Several very good password managers are free, and it takes little time to start using one. For-pay password managers generally offer more features, however.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When you use a password manager, the only password you need to remember is the master password that locks the password manager itself. When unlocked, the password manager logs you into your online accounts automatically. That not only helps keep you safer, but also increases your efficiency and productivity. You no longer spend time typing your logins or dealing with the time-consuming frustration of resetting a forgotten password.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"4-get-a-vpn-and-use-it\">4. Get a VPN and Use It</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Any time you connect to the Internet using a Wi-Fi network that you don\'t own, you should use a virtual private network, or VPN. Say you go to a coffee shop and connect to a free Wi-Fi network. You don\'t know anything about the security of that connection. It\'s possible that someone else on that network, without you knowing, could start looking through or stealing the files and data sent from your laptop or mobile device. The hotspot owner might be a crook, sniffing out secrets from all Wi-Fi connections. A VPN encrypts your internet traffic, routing it though a server owned by the VPN company. That means nobody, not even the owner of the free Wi-Fi network, can snoop on your data.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Using a VPN also hides your IP address. Advertisers and trackers looking to identify or geolocate you via that IP address will instead see the VPN company\'s address. Spoofing your location using a VPN server in another country can also serve to unlock content that\'s not available in your own region. On a more serious note, journalists and activists in repressive countries have long used VPN technology to communicate securely.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The upshot is that if you connect via Wi-Fi—whether it\'s on a laptop, phone or tablet—you really need a VPN. If you\'ve never used one before, or the technology sounds a bit beyond your internet savvy, don\'t worry, we\'ve got covered with our feature on how to set up and use a VPN.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"5-use-two-factor-authentication\">5. Use Two-Factor Authentication</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Two-factor authentication can be a pain, but it absolutely makes your accounts more secure. Two-factor authentication means you need to pass another layer of authentication, not just a username and password, to get into your accounts. If the data or personal information in an account is sensitive or valuable, and the account offers two-factor authentication, you should enable it. Gmail, Evernote, and Dropbox are a few examples of online services that offer two-factor authentication.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Two-factor authentication verifies your identity using at least two different forms of authentication: something you are, something you have, or something you know. Something you know is the password, naturally. Something you are could mean authentication using a fingerprint, or facial recognition. Something you have could be your mobile phone. You might be asked to enter a code sent via text, or tap a confirmation button on a mobile app. Something you have could also be a physical Security Key; Google and Microsoft have announced a push toward this kind of authentication.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you just use a password for authentication, anyone who learns that password owns your account. With two-factor authentication enabled, the password alone is useless. Most password managers support two-factor, though some only require it when they detect a connection from a new device. Enabling two-factor authentication for your password manager is a must.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Our feature on who has two-factor authentication and how to set it up can help you get started.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"6-use-passcodes-even-when-they-are-optional\">6. Use Passcodes Even When They Are Optional</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Apply a passcode lock wherever available, even if it\'s optional. Think of all the personal data and connections on your smartphone. Going without a passcode lock is unthinkable.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many smartphones offer a four-digit PIN by default. Don\'t settle for that. Use biometric authentication when available, and set a strong passcode, not a stupid four-digit PIN. Remember, even when you use Touch ID or equivalent, you can still authenticate with the passcode, so it needs to be strong.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Modern iOS devices offer a six-digit option; ignore it. Go to Settings &gt; Touch ID &amp; Passcode and select Change Passcode (or Add Passcode if you don\'t have one). Enter your old passcode, if needed. On the screen to enter the new code, choose Custom Alphanumeric Code. Enter a strong password, then record it as a secure note in your password manager.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Different Android devices offer different paths to setting a strong passcode. Find the Screen Lock settings on your device, enter your old PIN, and choose Password (if available). As with the iOS device, add a strong password and record it as a secure note.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"7-pay-with-your-smartphone\">7. Pay With Your Smartphone</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The system of credit card use is outdated and not very secure at all. That\'s not your fault, but there is something you can do about it. Instead of whipping out the old credit card, use Apple Pay or an Android equivalent everywhere you can. There are tons of choices when it comes to apps. In fact, we have an entire roundup of mobile payment apps.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Setting up your smartphone as a payment device is typically a simple process. It usually starts with snapping a picture of the credit card that you\'ll use to back up your app-based payments. And setup pretty much ends there; you\'re ready.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Point-of-sale terminals that support smartphone-based payment usually indicate the fact with an icon, from a picture of a hand holding a smartphone to a stylized representation of a radio wave. Just place your device on the terminal, authenticate with a thumbprint, and you\'ve paid up.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>How is that better than using the credit card itself? The app generates a one-use authentication code, good for the current transaction only. Even if someone filched that code, it wouldn\'t do them any good. And paying with a smartphone app eliminates the possibility of data theft by a credit card skimmer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some smartphone payment apps let you pay online with a similar one-time code. If yours doesn\'t, check with your credit card provider. Typically, you get a temporary number to use in place of your real credit card, and the charges go to your regular account. The temporary card number will not work again after it expires. The next time your credit card company or bank calls you to try and sell you upgrades, ask about one-time use card numbers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You can also get the protection of one-use credit card numbers using third-party apps. Abine Blur Premium, for example, can mask credit card numbers, email addresses, and phone numbers. You shop and communicate as always, but the merchant doesn\'t receive your actual information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"8-use-different-email-addresses-for-different-kinds-of-accounts\">8. Use Different Email Addresses for Different Kinds of Accounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>People who are both highly organized and methodical about their security often use different email addresses for different purposes, to keep the online identities associated with them separate. If a phishing email claiming to be from your bank comes to the account you use only for social media, you know it\'s fake.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Consider maintaining one email address dedicated to signing up for apps that you want to try, but which might have questionable security, or which might spam you with promotional messages. After you\'ve vetted a service or app, sign up using one of your permanent email accounts. If the dedicated account starts to get spam, close it, and create a new one. This is a do-it-yourself version of the masked emails you get from Abine Blur and other disposable email account services.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many sites equate your email address with your username, but some let you select your own username. Consider using a different username every time—hey, your password manager remembers it! Now anyone trying to get into your account must guess both the username and the password.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"9-clear-your-cache\">9. Clear Your Cache</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Never underestimate how much your browser\'s cache knows about you. Saved cookies, saved searches, and Web history could point to home address, family information, and other personal data.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To better protect that information that may be lurking in your Web history, be sure to delete browser cookies and clear your browser history on a regular basis. It\'s easy. In Chrome, Edge, Firefox, Internet Explorer, or Opera, simply press Ctrl+Shift+Del to bring up a dialog that lets you choose which elements of browser data you want to clear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Deleting cookies may cause trouble for some websites—you may lose any personalization you\'ve applied. Most browsers let you list favorite websites whose cookies shouldn\'t be tossed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For a complete guide to getting started, you can read our feature on how to clear your cache in any browser.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"10-turn-off-the-save-password-feature-in-browsers\">10. Turn Off the \'Save Password\' Feature in Browsers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Speaking of what your browser may know about you, most browsers include a built-in password management solution. We at PCMag don\'t recommend them, however. We feel it\'s best to leave password protection to the experts who make password managers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Think about this. When you install a third-party password manager, it typically offers to import your password from the browser\'s storage. If the password manager can do that, you can be sure some malicious software can do the same. In addition, keeping your passwords in a single, central password manager lets you use them across all browsers and devices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"11-dont-fall-prey-to-click-bait-or-phishing-scams\">11. Don\'t Fall Prey to Click Bait or Phishing Scams</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Part of securing your online life is being smart about what you click. Click bait doesn\'t just refer to cat compilation videos and catchy headlines. It can also comprise links in email, messaging apps, and on Facebook. Phishing links masquerade as secure websites, hoping to trick you into giving them your credentials. Drive-by download pages can cause malware to automatically download and infect your device.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Don\'t click links in emails or text messages, unless they come from a source you trust. Even then, be cautious; your trusted source might have been compromised, or the message might be a fake. The same goes for links on social media sites, even in posts that seem to be from your friends. If a post seems unlike the style of your social media buddy, it could be a hack.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"12-protect-your-social-media-privacy\">12. Protect Your Social Media Privacy</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>There’s a common saying: if you’re not paying for a service, you’re not a customer; you’re the product. Social media sites make it easy for you to share your thoughts and pictures with friends, but it’s easy to wind up sharing too much.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You can download your Facebook data to see just what the social media giant knows about you. It may be quite an eye-opener, especially if you\'re the kind of person who routinely clicks on quizzes that require access to your social media account. Really, you don\'t need to know which Disney princess or dog breed you are.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You can drastically reduce the amount of data going to Facebook by disabling the sharing platform entirely. Once you do, your friends can no longer leak your personal data. You can\'t lose data to apps, because you can\'t use apps. And you can\'t use your Facebook credentials to log into other websites (which was always a bad idea).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Of course, other social media sites need attention too. Google probably knows more about you than Facebook, so take steps to manage your Google privacy, too. Make sure you\'ve configured each social media site so that your posts aren\'t public (well, all except Twitter). Think twice before revealing too much in a post, since your friends might share it with others. With care, you can retain your privacy without losing the entertainment and connections of social media.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.pcmag.com/how-to/12-simple-things-you-can-do-to-be-more-secure-online\">click here</a>.</p>\n<!-- /wp:paragraph -->','12 Simple Things You Can Do to Be More Secure Online','','publish','closed','closed','','12-simple-things-you-can-do-to-be-more-secure-online','','','2021-07-08 19:15:28','2021-07-08 19:15:28','',0,'http://smartinsurance.tips/?page_id=1803',0,'page','',0),(1804,1,'2021-07-08 19:05:21','2021-07-08 19:05:21','<!-- wp:divi/placeholder /-->','12 Simple Things You Can Do to Be More Secure Online','','inherit','closed','closed','','1803-revision-v1','','','2021-07-08 19:05:21','2021-07-08 19:05:21','',1803,'http://smartinsurance.tips/?p=1804',0,'revision','',0),(1814,1,'2021-07-09 18:01:56','2021-07-09 18:01:56','<!-- wp:image {\"id\":1815,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-22-1024x536.png\" alt=\"\" class=\"wp-image-1815\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Imagine waking up one morning and going through your daily routine: shower, get dressed, coffee, grab your car keys—but you discover your car isn’t where you parked it the night before. All that’s left behind is an empty space and a sinking feeling in your gut that you won’t see your car again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While motor vehicle thefts in 2019 decreased 4% compared to 2018, there were still an estimated 721,885 motor vehicle thefts in 2019, according to the FBI’s 2019 uniform crime reports. That accounts for a rate of almost 220 thefts for every 100,000 people.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While “motor vehicles” as defined by the FBI includes vehicles such as motorcycles, buses and all-terrain vehicles, nearly 75% of motor vehicle thefts were automobiles. The average dollar loss per stolen vehicle was $8,886.<img src=\"https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/10/ZW3z8-most-stolen-vehicles-in-2019.png\" alt=\"Most stolen cars in 2019\" width=\"1240\" height=\"914\"></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you’re the victim of car theft, it’s nothing less than a shock. But not having the right type of car insurance would make matters even worse. Without the right coverage, you won’t be able to recoup your loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s what you need to know about car theft and car insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Car Insurance Cover Car Theft?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you want coverage for car theft, you’ll need to add comprehensive insurance to your auto insurance policy. Comprehensive insurance also covers other types of problems such as vandalism, fires, floods, hail, falling objects (like tree branches) and collisions with animals (like deer).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you have a car loan or lease you’re likely required to have it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Comprehensive insurance will cover these theft-related problems:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Replace your stolen car</li><li>Replace some car parts that are stolen, such as a catalytic converter, but not custom parts or equipment, like an aftermarket sound system</li><li>Repair damaged caused by a theft, break-in or attempted break-in</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>You’ll be responsible for your deductible for a theft claim. For example, if you have a $500 deductible and your car is valued at $7,000, you would get an insurance check for $6,500 ($7,000 – $500 deductible = $6,500).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Comprehensive insurance won’t cover personal items that are stolen from your car. For example, if your laptop gets stolen, comprehensive won’t pay to replace it. However, you generally have coverage for stolen items under condo, renters or homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another thing comprehensive insurance won’t cover is the cost of a rental car. You’ll be without a car until your claim is resolved, so it might be worth adding rental reimbursement insurance to your auto policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>How Much Does Comprehensive Insurance Cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The average cost of comprehensive insurance is about $160 per year, according to the National Association of Insurance Commissioners’ most recent data. Here’s the average cost of comprehensive insurance in your state.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_55967\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">State</th><th scope=\"col\">Average cost of comprehensive insurance</th></tr></thead><tbody><tr><td>Alabama</td><td>$169.90</td></tr><tr><td>Alaska</td><td>$140.50</td></tr><tr><td>Arizona</td><td>$204.93</td></tr><tr><td>Arkansas</td><td>$216.70</td></tr><tr><td>California</td><td>$96.15</td></tr><tr><td>Colorado</td><td>$228.32</td></tr><tr><td>Connecticut</td><td>$133.91</td></tr><tr><td>Delaware</td><td>$133.19</td></tr><tr><td>District of Columbia</td><td>$224.28</td></tr><tr><td>Florida</td><td>$137.88</td></tr><tr><td>Georgia</td><td>$169.68</td></tr><tr><td>Hawaii</td><td>$106.97</td></tr><tr><td>Idaho</td><td>$130.86</td></tr><tr><td>Illinois</td><td>$133.32</td></tr><tr><td>Indiana</td><td>$130.71</td></tr><tr><td>Iowa</td><td>$211.60</td></tr><tr><td>Kansas</td><td>$267.10</td></tr><tr><td>Kentucky</td><td>$157.38</td></tr><tr><td>Louisiana</td><td>$231.76</td></tr><tr><td>Maine</td><td>$108.54</td></tr><tr><td>Maryland</td><td>$162.34</td></tr><tr><td>Massachusetts</td><td>$145.10</td></tr><tr><td>Michigan</td><td>$157.50</td></tr><tr><td>Minnesota</td><td>$197.67</td></tr><tr><td>Mississippi</td><td>$229.41</td></tr><tr><td>Missouri</td><td>$204.08</td></tr><tr><td>Montana</td><td>$267.84</td></tr><tr><td>Nebraska</td><td>$253.30</td></tr><tr><td>Nevada</td><td>$115.46</td></tr><tr><td>New Hampshire</td><td>$115.63</td></tr><tr><td>New Jersey</td><td>$129.12</td></tr><tr><td>New Mexico</td><td>$197.95</td></tr><tr><td>New York</td><td>$179.31</td></tr><tr><td>North Carolina</td><td>$133.49</td></tr><tr><td>North Dakota</td><td>$241.51</td></tr><tr><td>Ohio</td><td>$128.46</td></tr><tr><td>Oklahoma</td><td>$254.61</td></tr><tr><td>Oregon</td><td>$101.80</td></tr><tr><td>Pennsylvania</td><td>$162.59</td></tr><tr><td>Rhode Island</td><td>$136.58</td></tr><tr><td>South Carolina</td><td>$197.24</td></tr><tr><td>South Dakota</td><td>$308.71</td></tr><tr><td>Tennessee</td><td>$158.13</td></tr><tr><td>Texas</td><td>$234.17</td></tr><tr><td>Utah</td><td>$122.44</td></tr><tr><td>Vermont</td><td>$142.83</td></tr><tr><td>Virginia</td><td>$146.00</td></tr><tr><td>Washington</td><td>$113.77</td></tr><tr><td>West Virginia</td><td>$213.34</td></tr><tr><td>Wisconsin</td><td>$148.83</td></tr><tr><td>Wyoming</td><td>$291.22</td></tr></tbody></table><figcaption><em>Source: National Association of Insurance Commissioners Auto Insurance Report 2020</em></figcaption></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading -->\n<h2>How Can I Prevent My Car From Being Stolen?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>There are several things you can do to reduce the risk of your car being stolen. The National Insurance Crime Bureau (NICB) recommends a layered approach:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Use Common Sense</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The first layer of defense is common sense. Don’t make car theft easy for the thief. A few simple precautions can reduce the likelihood of someone taking off with your car.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Lock your doors</li><li>Take your keys out of the ignition (almost 245,000 cars stolen between 2014 and 2019 were left with their keys inside the vehicle, according to the NICB)</li><li>Close your windows</li><li>Park your car in well-lit areas</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Use a Visible or Audible Device</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The second layer involves adding some sort of anti-theft device to help deter a car thief, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Audible car alarms</li><li>Brake locks</li><li>Identification markers in or on the car, such as security labels that mark various parts which can be identified if they are removed</li><li>Micro dot marking</li><li>Steering column collars</li><li>Steering wheel/brake pedal lock</li><li>Wheel locks</li><li>Window etching</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Install a Vehicle Immobilizer</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The third layer involves installing a device that will prevent a car thief from driving off with your car, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Kill switches</li><li>Fuse cut-offs</li><li>Smart keys</li><li>Starter, ignition and fuel disablers</li><li>Wireless, ignition authentication</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Get a Tracking System</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The fourth and final layer involves installing a tracking system that police or a monitoring service can use to locate your car if it is reported stolen. Some of these devices might use GPS and wireless technologies. For example, the LoJack Stolen Vehicle Recovery System uses a hidden transceiver which can be tracked by police and aircraft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>How Do Insurance Companies Investigate Car Theft Claims?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When you file an insurance claim for a stolen car, your insurance company will most likely investigate the theft. You’ll need a police report to make a theft claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your claim could be assigned to your insurance company’s special investigations unit (SIU). A typical investigation might include obtaining the police report, speaking with witnesses, investigating the scene of the theft and a forensic analysis if the vehicle is recovered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Additionally, an SIU investigator could contact you and ask follow up questions regarding the theft of your vehicle. You could also be required to attend an examination under oath, which is a formal proceeding where you are questioned by a representative of an insurance company in the presence of a court reporter and subject to perjury.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your policy requires you to cooperate with your insurance company’s investigation. If you fail to do so, your claim could be denied. If your claim is under investigation, you may want to speak with your own legal counsel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/coverage-for-car-theft/\">click here</a>.</p>\n<!-- /wp:paragraph -->','Here’s The Insurance You Need To Cover Car Theft','','publish','closed','closed','','heres-the-insurance-you-need-to-cover-car-theft','','','2021-07-09 18:01:57','2021-07-09 18:01:57','',0,'http://smartinsurance.tips/?page_id=1814',0,'page','',0),(1806,1,'2021-07-08 19:10:49','2021-07-08 19:10:49','','download-1','','inherit','open','closed','','download-1','','','2021-07-08 19:10:49','2021-07-08 19:10:49','',1803,'http://smartinsurance.tips/wp-content/uploads/2021/07/download-1.jpg',0,'attachment','image/jpeg',0),(1808,1,'2021-07-08 19:34:19','0000-00-00 00:00:00','<!-- wp:image {\"id\":1809,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-16-1024x536.png\" alt=\"\" class=\"wp-image-1809\"/></figure>\n<!-- /wp:image -->','10 Ways to Become a Better Leader','','draft','closed','closed','','','','','2021-07-08 19:34:19','2021-07-08 19:34:19','',0,'http://smartinsurance.tips/?page_id=1808',0,'page','',0),(1809,1,'2021-07-08 19:33:22','2021-07-08 19:33:22','','My-Post-16','','inherit','open','closed','','my-post-16-3','','','2021-07-08 19:33:22','2021-07-08 19:33:22','',1808,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-16.png',0,'attachment','image/png',0),(1811,1,'2021-07-09 17:14:54','2021-07-09 17:14:54','<!-- wp:image {\"id\":1812,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-20-1024x536.png\" alt=\"\" class=\"wp-image-1812\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>It functions more like property insurance than health insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>According to the 2019-2020 American Pet Products Association (APPA) National Pet Owners Survey, 67% of U.S. households own a pet, which equates to nearly 85 million homes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>These households spent a total of $97.1 billion in 2019 and $103.6 billion in 2020, with that number projected to rise to $109.6 billion in 2021. Veterinary care was the third-largest category of pet owner’s spending in 2019, amounting to $29.3 billion and $31.4 billion in 2020, it is estimated to grow to $32.3 billion in 2021.1</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Americans have taken notice of the rising cost of veterinary care. More than 3.1 million pets were covered under a pet insurance policy in 2020 in the U.S., at a collective cost of $1.99 billion. It’s a relatively new industry: It wasn’t until that famed canine Lassie first received a pet insurance policy in 1982 that pet insurance became a formalized option.2</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Still, according to Rick Faucher, president of the board of directors of the North American Pet Health Insurance Association (NAPHIA), since 2014 “our industry has experienced double-digit increases, with the U.S. average annual growth rate coming in at 22.6%. All indicators point to continued growth in our sector even in 2020, despite some COVID-related challenges our market and others continue to face.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Finding the best pet insurance depends a lot on what your pet situation is and what kind of coverage you’re looking for. Despite its growing popularity, only 20 companies offer pet insurance in North America in 2020, and 97% of them are NAPIA members. Here’s what you need to know.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Advantages of Pet Insurance<br>You love your pet like a member of the family, but the insurance industry sees Fido or Fluffy more as property. That’s why pet insurance functions more like property insurance than health insurance. Still, before you remind somebody that your pet isn’t a piece of property, understand that this designation works in your favor. Reading and comprehending the policy is a cakewalk compared with health insurance policies written for humans. Consider these advantages:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Choice of Vet: As long as the vet is licensed, pet insurers won’t tell you whom you can and can’t see. There are no out-of-network doctors such as those your own health insurance policy probably dictates.</li><li>Simple Policies: Most companies have only three tiers from which to choose. There is accident-only, or basic, coverage; accident and illness, or comprehensive, coverage; and wellness coverage, which is for preventative procedures.</li><li>Cheap Premiums: Insurance costs vary with coverage and policy but, in general, wellness coverage costs $20 to $25 per month, accident-only coverage runs $11 (for cats) and $16 (for dogs) per month, and accident and illness coverage averages $29 (for cats) and $49 (for dogs) per month. Of course, the cost depends on a host of variables, including breed and age of the animal, where you live, and the options you choose as part of your policy.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you understand insurance-speak, you can figure out a pet insurance policy. You will pay a monthly or an annual premium, you have to pay a deductible (a certain amount before the policy kicks in), and you may have a copay. Deductibles can range from $0 to $1,000 and co-pays range between 10% and 30% of the cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There is one major difference compared with many human healthcare policies. The first person to pony up the money is you—not the insurance company. In other words, as the sign at some doctors’ offices says, “Payment is due at the time of service.” After you pay, you file a claim with your pet insurance provider and wait for a check.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some veterinarians may allow you to forego payment until the insurance company pays its portion. However, before you agree to that high-dollar procedure, make sure you’re clear about the method of payment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Is There Pet Insurance for Exotic Animals?<br>If you own a nontraditional pet, your choice of insurers might only be one or two. In fact, dogs represented 82% of all policies in the U.S. in 2020, while cats accounted for the remaining 18%, according to a survey done by PawlicyAdvisor.com.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p> If you have a bird, an iguana, or another kind of pet, check out Nationwide pet insurance, which is probably the largest and most well-known provider of exotic pet insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>What to Watch for<br>First, if your pet has preexisting conditions, your policy won’t cover them.11 If your animal has abdominal pain, for example, some companies may try to limit coverage on any condition that lists abdominal pain as one of its symptoms. Before saying yes to a pet insurance policy, talk to the company and have it clarify how it decides what constitutes a preexisting condition. Something in your pet’s medical records that is harmless may become a big deal if you later file a claim. On a related note, you may have to get your pet checked out by a vet before getting coverage if it hasn’t been seen by a vet in more than a year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Next comes the waiting period. You can’t take out pet insurance when you learn that your pet requires a costly procedure. Insurers know that trick. That’s why they instituted waiting periods, which vary by state but will generally be 24 to 48 hours for accidents, and from 14 days for an illness to one year on certain medical conditions, depending on the type.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ask about maximum payouts. These might include maximums per incident, per year, or over the life of the policy. Generally, the highest-level policies have the highest payouts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Finally, most policies will increase your premium to account for rising costs and the condition and age of your pet. However, some companies do not. Ask about rate increases before signing the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Is Pet Insurance Worth the Cost?<br>According to one well-respected consumer magazine, the answer is it depends. In 2105 Consumer Reports looked at policies from three major insurers in the pet insurance industry—Embrace, Healthy Paws, and Trupanion—and compared them with a lifetime of vet bills for Guinness, a 12-year-old Labrador mix from Westchester County, N.Y., and Freddie, a nine-year-old mixed-breed cat from Fairfield County, Conn. The magazine found that for Freddie, who was reasonably healthy, only one policy would have paid out more than his healthcare cost. However, for Guinness, who was diagnosed with skin cancer, all three plans would have been worth it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The informational website ConsumersAdvocate.org in 2017 found that pet insurance for wellness care isn’t worth the cost. According to the report, the cost of routine care is usually negligible, especially early on in the life of a pet, and the yearly insurance cost is more or less what you can expect to pay directly to a vet.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Remember that pet insurance, or any insurance for that matter, isn’t designed to turn a profit (other than for the insurer). You purchase insurance to protect against catastrophic events and shouldn’t expect to make money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key Takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Pet insurance functions more like property insurance than health insurance.</li><li>Unlike health insurance, the policyholder must pay for their pet\'s healthcare directly, then be reimbursed by the insurance provider.</li><li>Pet insurance never covers preexisting conditions.</li><li>Pet insurance is usually only financially rewarding in the event of serious health mishaps that bring steep veterinary bills.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>The Bottom Line<br>When something really bad happens, insurance is worth the years of premiums you paid. For routine or relatively minor problems, you’re probably better off-putting the monthly premium into a kitty or doggy emergency fund to pay for those unexpected bills. If you elect to purchase pet insurance for catastrophic care, get the highest deductible you can comfortably afford.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/articles/personal-finance/031815/how-does-pet-insurance-work.asp\">click here</a>.</p>\n<!-- /wp:paragraph -->','How Does Pet Insurance Work?','','publish','closed','closed','','how-does-pet-insurance-work','','','2021-07-09 17:14:55','2021-07-09 17:14:55','',0,'http://smartinsurance.tips/?page_id=1811',0,'page','',0),(1812,1,'2021-07-09 17:09:42','2021-07-09 17:09:42','','My-Post-20','','inherit','open','closed','','my-post-20-2','','','2021-07-09 17:09:42','2021-07-09 17:09:42','',1811,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-20.png',0,'attachment','image/png',0),(1813,1,'2021-07-09 17:14:54','2021-07-09 17:14:54','<!-- wp:image {\"id\":1812,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-20-1024x536.png\" alt=\"\" class=\"wp-image-1812\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>It functions more like property insurance than health insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>According to the 2019-2020 American Pet Products Association (APPA) National Pet Owners Survey, 67% of U.S. households own a pet, which equates to nearly 85 million homes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>These households spent a total of $97.1 billion in 2019 and $103.6 billion in 2020, with that number projected to rise to $109.6 billion in 2021. Veterinary care was the third-largest category of pet owner’s spending in 2019, amounting to $29.3 billion and $31.4 billion in 2020, it is estimated to grow to $32.3 billion in 2021.1</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Americans have taken notice of the rising cost of veterinary care. More than 3.1 million pets were covered under a pet insurance policy in 2020 in the U.S., at a collective cost of $1.99 billion. It’s a relatively new industry: It wasn’t until that famed canine Lassie first received a pet insurance policy in 1982 that pet insurance became a formalized option.2</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Still, according to Rick Faucher, president of the board of directors of the North American Pet Health Insurance Association (NAPHIA), since 2014 “our industry has experienced double-digit increases, with the U.S. average annual growth rate coming in at 22.6%. All indicators point to continued growth in our sector even in 2020, despite some COVID-related challenges our market and others continue to face.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Finding the best pet insurance depends a lot on what your pet situation is and what kind of coverage you’re looking for. Despite its growing popularity, only 20 companies offer pet insurance in North America in 2020, and 97% of them are NAPIA members. Here’s what you need to know.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Advantages of Pet Insurance<br>You love your pet like a member of the family, but the insurance industry sees Fido or Fluffy more as property. That’s why pet insurance functions more like property insurance than health insurance. Still, before you remind somebody that your pet isn’t a piece of property, understand that this designation works in your favor. Reading and comprehending the policy is a cakewalk compared with health insurance policies written for humans. Consider these advantages:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Choice of Vet: As long as the vet is licensed, pet insurers won’t tell you whom you can and can’t see. There are no out-of-network doctors such as those your own health insurance policy probably dictates.</li><li>Simple Policies: Most companies have only three tiers from which to choose. There is accident-only, or basic, coverage; accident and illness, or comprehensive, coverage; and wellness coverage, which is for preventative procedures.</li><li>Cheap Premiums: Insurance costs vary with coverage and policy but, in general, wellness coverage costs $20 to $25 per month, accident-only coverage runs $11 (for cats) and $16 (for dogs) per month, and accident and illness coverage averages $29 (for cats) and $49 (for dogs) per month. Of course, the cost depends on a host of variables, including breed and age of the animal, where you live, and the options you choose as part of your policy.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you understand insurance-speak, you can figure out a pet insurance policy. You will pay a monthly or an annual premium, you have to pay a deductible (a certain amount before the policy kicks in), and you may have a copay. Deductibles can range from $0 to $1,000 and co-pays range between 10% and 30% of the cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There is one major difference compared with many human healthcare policies. The first person to pony up the money is you—not the insurance company. In other words, as the sign at some doctors’ offices says, “Payment is due at the time of service.” After you pay, you file a claim with your pet insurance provider and wait for a check.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some veterinarians may allow you to forego payment until the insurance company pays its portion. However, before you agree to that high-dollar procedure, make sure you’re clear about the method of payment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Is There Pet Insurance for Exotic Animals?<br>If you own a nontraditional pet, your choice of insurers might only be one or two. In fact, dogs represented 82% of all policies in the U.S. in 2020, while cats accounted for the remaining 18%, according to a survey done by PawlicyAdvisor.com.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p> If you have a bird, an iguana, or another kind of pet, check out Nationwide pet insurance, which is probably the largest and most well-known provider of exotic pet insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>What to Watch for<br>First, if your pet has preexisting conditions, your policy won’t cover them.11 If your animal has abdominal pain, for example, some companies may try to limit coverage on any condition that lists abdominal pain as one of its symptoms. Before saying yes to a pet insurance policy, talk to the company and have it clarify how it decides what constitutes a preexisting condition. Something in your pet’s medical records that is harmless may become a big deal if you later file a claim. On a related note, you may have to get your pet checked out by a vet before getting coverage if it hasn’t been seen by a vet in more than a year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Next comes the waiting period. You can’t take out pet insurance when you learn that your pet requires a costly procedure. Insurers know that trick. That’s why they instituted waiting periods, which vary by state but will generally be 24 to 48 hours for accidents, and from 14 days for an illness to one year on certain medical conditions, depending on the type.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ask about maximum payouts. These might include maximums per incident, per year, or over the life of the policy. Generally, the highest-level policies have the highest payouts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Finally, most policies will increase your premium to account for rising costs and the condition and age of your pet. However, some companies do not. Ask about rate increases before signing the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Is Pet Insurance Worth the Cost?<br>According to one well-respected consumer magazine, the answer is it depends. In 2105 Consumer Reports looked at policies from three major insurers in the pet insurance industry—Embrace, Healthy Paws, and Trupanion—and compared them with a lifetime of vet bills for Guinness, a 12-year-old Labrador mix from Westchester County, N.Y., and Freddie, a nine-year-old mixed-breed cat from Fairfield County, Conn. The magazine found that for Freddie, who was reasonably healthy, only one policy would have paid out more than his healthcare cost. However, for Guinness, who was diagnosed with skin cancer, all three plans would have been worth it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The informational website ConsumersAdvocate.org in 2017 found that pet insurance for wellness care isn’t worth the cost. According to the report, the cost of routine care is usually negligible, especially early on in the life of a pet, and the yearly insurance cost is more or less what you can expect to pay directly to a vet.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Remember that pet insurance, or any insurance for that matter, isn’t designed to turn a profit (other than for the insurer). You purchase insurance to protect against catastrophic events and shouldn’t expect to make money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key Takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Pet insurance functions more like property insurance than health insurance.</li><li>Unlike health insurance, the policyholder must pay for their pet\'s healthcare directly, then be reimbursed by the insurance provider.</li><li>Pet insurance never covers preexisting conditions.</li><li>Pet insurance is usually only financially rewarding in the event of serious health mishaps that bring steep veterinary bills.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>The Bottom Line<br>When something really bad happens, insurance is worth the years of premiums you paid. For routine or relatively minor problems, you’re probably better off-putting the monthly premium into a kitty or doggy emergency fund to pay for those unexpected bills. If you elect to purchase pet insurance for catastrophic care, get the highest deductible you can comfortably afford.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/articles/personal-finance/031815/how-does-pet-insurance-work.asp\">click here</a>.</p>\n<!-- /wp:paragraph -->','How Does Pet Insurance Work?','','inherit','closed','closed','','1811-revision-v1','','','2021-07-09 17:14:54','2021-07-09 17:14:54','',1811,'http://smartinsurance.tips/?p=1813',0,'revision','',0),(1807,1,'2021-07-08 19:15:27','2021-07-08 19:15:27','<!-- wp:image {\"id\":1806,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/download-1-1024x576.jpg\" alt=\"\" class=\"wp-image-1806\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Are you worried that the IRS might expose the personal data you submitted when filing taxes online, or that the DMV might spill all your personal information? That’s not paranoid; it’s rational. High-level breaches can and do happen, and there’s nothing you can do to prevent them. But other attacks on your security and privacy hit closer to home. When you sit down to work on your novel one day, you may find all the existing chapters encrypted by ransomware. You might also log into your online banking system and see a big fat zero balance, because a data-stealing Trojan captured your credentials. On the bright side, you can mount your own defense against these local problems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Making your devices, online identity, and activities more secure really doesn\'t take much effort. In fact, several of our tips about what you can do to be more secure online boil down to little more than common sense. These tips for being more secure in your online life will help keep you safer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"1-install-an-antivirus-and-keep-it-updated\">1. Install an Antivirus and Keep It Updated</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>We call this type of software antivirus, but fending off actual computer viruses is just one small part of what they do. Ransomware encrypts your files and demands payment to restore them. Trojan horse programs seem like valid programs, but behind the scenes they steal your private information. Bots turn your computer into a soldier in a zombie army, ready to engage in a denial-of-service attack, or spew spam, or whatever the bot herder commands. An effective antivirus protects against these and many other kinds of malware.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In theory, you can set and forget your antivirus protection, letting it hum along in the background, download updates, and so on. In practice, you should look it over every now and then. Most antivirus utilities display a green banner or icon when everything is hunky-dory. If you open the utility and see yellow or red, follow the instructions to get things back on track.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You may be thinking, wait, isn\'t antivirus built into Windows? Not only is Microsoft Windows Defender Security Center baked into the operating system, it automatically takes over protection when it detects no other antivirus, and just as automatically steps aside when you install third-party protection. The thing is, this built-in antivirus just doesn\'t compare with the best third-party solutions. Even the best free ones are way better than Windows Defender. Don\'t rely on it; you can do better.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Whether you\'ve chosen a simple antivirus or a full security suite, you\'ll need to renew it every year. Your best bet is to enroll in automatic renewal. With some security products, doing so enables a malware-free guarantee. You can always opt out later, if you get the urge to switch to a different product.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>One more thing. If your antivirus or security suite doesn\'t have ransomware protection, consider adding a separate layer of protection. Many ransomware-specific utilities are entirely free, so there\'s no reason not to try a few of them and select the one that suits you best.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"2-explore-the-security-tools-you-install\">2. Explore the Security Tools You Install</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Many excellent apps and settings help protect your devices and your identity, but they\'re only valuable if you know how to use them properly. To get the maximum protective power from these tools, you must understand their features and settings. For example, your smartphone almost certainly includes an option to find it if lost, and you may have even turned it on. But did you actively try it out, so you\'ll know how to use it if needed?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Most antivirus tools have the power to fend off Potentially Unwanted Applications (PUAs), troublesome apps that aren\'t exactly malware but don\'t do anything beneficial. But not all of them enable PUA detection by default. Check the detection settings and make sure your\'s configured to block these annoyances. Likewise, your security suite may have components that aren\'t active until you turn them on. When you install a new security product, flip through all the pages of the main window, and at least take a glance at the settings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To be totally sure your antivirus is configured and working correctly, you can turn to the security features check page on the website of the AMTSO (Anti-Malware Testing Standards Organization). If your antivirus doesn\'t pass, it\'s time to contact tech support and find out why.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"3-use-unique-passwords-for-every-login\">3. Use Unique Passwords for Every Login</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>One of the easiest ways hackers steal information is by getting a batch of username and password combinations from one source and trying those same combinations elsewhere. For example, let\'s say hackers got your username and password by hacking an email provider. They might try to log into banking sites or major online stores using the same username and password combination. The single best way to prevent one data breach from having a domino effect is to use a strong, unique password for every single online account you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Creating a unique and strong password for every account is not a job for a human. That why you use a password manager. Several very good password managers are free, and it takes little time to start using one. For-pay password managers generally offer more features, however.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When you use a password manager, the only password you need to remember is the master password that locks the password manager itself. When unlocked, the password manager logs you into your online accounts automatically. That not only helps keep you safer, but also increases your efficiency and productivity. You no longer spend time typing your logins or dealing with the time-consuming frustration of resetting a forgotten password.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"4-get-a-vpn-and-use-it\">4. Get a VPN and Use It</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Any time you connect to the Internet using a Wi-Fi network that you don\'t own, you should use a virtual private network, or VPN. Say you go to a coffee shop and connect to a free Wi-Fi network. You don\'t know anything about the security of that connection. It\'s possible that someone else on that network, without you knowing, could start looking through or stealing the files and data sent from your laptop or mobile device. The hotspot owner might be a crook, sniffing out secrets from all Wi-Fi connections. A VPN encrypts your internet traffic, routing it though a server owned by the VPN company. That means nobody, not even the owner of the free Wi-Fi network, can snoop on your data.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Using a VPN also hides your IP address. Advertisers and trackers looking to identify or geolocate you via that IP address will instead see the VPN company\'s address. Spoofing your location using a VPN server in another country can also serve to unlock content that\'s not available in your own region. On a more serious note, journalists and activists in repressive countries have long used VPN technology to communicate securely.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The upshot is that if you connect via Wi-Fi—whether it\'s on a laptop, phone or tablet—you really need a VPN. If you\'ve never used one before, or the technology sounds a bit beyond your internet savvy, don\'t worry, we\'ve got covered with our feature on how to set up and use a VPN.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"5-use-two-factor-authentication\">5. Use Two-Factor Authentication</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Two-factor authentication can be a pain, but it absolutely makes your accounts more secure. Two-factor authentication means you need to pass another layer of authentication, not just a username and password, to get into your accounts. If the data or personal information in an account is sensitive or valuable, and the account offers two-factor authentication, you should enable it. Gmail, Evernote, and Dropbox are a few examples of online services that offer two-factor authentication.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Two-factor authentication verifies your identity using at least two different forms of authentication: something you are, something you have, or something you know. Something you know is the password, naturally. Something you are could mean authentication using a fingerprint, or facial recognition. Something you have could be your mobile phone. You might be asked to enter a code sent via text, or tap a confirmation button on a mobile app. Something you have could also be a physical Security Key; Google and Microsoft have announced a push toward this kind of authentication.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you just use a password for authentication, anyone who learns that password owns your account. With two-factor authentication enabled, the password alone is useless. Most password managers support two-factor, though some only require it when they detect a connection from a new device. Enabling two-factor authentication for your password manager is a must.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Our feature on who has two-factor authentication and how to set it up can help you get started.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"6-use-passcodes-even-when-they-are-optional\">6. Use Passcodes Even When They Are Optional</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Apply a passcode lock wherever available, even if it\'s optional. Think of all the personal data and connections on your smartphone. Going without a passcode lock is unthinkable.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many smartphones offer a four-digit PIN by default. Don\'t settle for that. Use biometric authentication when available, and set a strong passcode, not a stupid four-digit PIN. Remember, even when you use Touch ID or equivalent, you can still authenticate with the passcode, so it needs to be strong.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Modern iOS devices offer a six-digit option; ignore it. Go to Settings &gt; Touch ID &amp; Passcode and select Change Passcode (or Add Passcode if you don\'t have one). Enter your old passcode, if needed. On the screen to enter the new code, choose Custom Alphanumeric Code. Enter a strong password, then record it as a secure note in your password manager.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Different Android devices offer different paths to setting a strong passcode. Find the Screen Lock settings on your device, enter your old PIN, and choose Password (if available). As with the iOS device, add a strong password and record it as a secure note.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"7-pay-with-your-smartphone\">7. Pay With Your Smartphone</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The system of credit card use is outdated and not very secure at all. That\'s not your fault, but there is something you can do about it. Instead of whipping out the old credit card, use Apple Pay or an Android equivalent everywhere you can. There are tons of choices when it comes to apps. In fact, we have an entire roundup of mobile payment apps.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Setting up your smartphone as a payment device is typically a simple process. It usually starts with snapping a picture of the credit card that you\'ll use to back up your app-based payments. And setup pretty much ends there; you\'re ready.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Point-of-sale terminals that support smartphone-based payment usually indicate the fact with an icon, from a picture of a hand holding a smartphone to a stylized representation of a radio wave. Just place your device on the terminal, authenticate with a thumbprint, and you\'ve paid up.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>How is that better than using the credit card itself? The app generates a one-use authentication code, good for the current transaction only. Even if someone filched that code, it wouldn\'t do them any good. And paying with a smartphone app eliminates the possibility of data theft by a credit card skimmer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some smartphone payment apps let you pay online with a similar one-time code. If yours doesn\'t, check with your credit card provider. Typically, you get a temporary number to use in place of your real credit card, and the charges go to your regular account. The temporary card number will not work again after it expires. The next time your credit card company or bank calls you to try and sell you upgrades, ask about one-time use card numbers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You can also get the protection of one-use credit card numbers using third-party apps. Abine Blur Premium, for example, can mask credit card numbers, email addresses, and phone numbers. You shop and communicate as always, but the merchant doesn\'t receive your actual information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"8-use-different-email-addresses-for-different-kinds-of-accounts\">8. Use Different Email Addresses for Different Kinds of Accounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>People who are both highly organized and methodical about their security often use different email addresses for different purposes, to keep the online identities associated with them separate. If a phishing email claiming to be from your bank comes to the account you use only for social media, you know it\'s fake.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Consider maintaining one email address dedicated to signing up for apps that you want to try, but which might have questionable security, or which might spam you with promotional messages. After you\'ve vetted a service or app, sign up using one of your permanent email accounts. If the dedicated account starts to get spam, close it, and create a new one. This is a do-it-yourself version of the masked emails you get from Abine Blur and other disposable email account services.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many sites equate your email address with your username, but some let you select your own username. Consider using a different username every time—hey, your password manager remembers it! Now anyone trying to get into your account must guess both the username and the password.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"9-clear-your-cache\">9. Clear Your Cache</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Never underestimate how much your browser\'s cache knows about you. Saved cookies, saved searches, and Web history could point to home address, family information, and other personal data.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To better protect that information that may be lurking in your Web history, be sure to delete browser cookies and clear your browser history on a regular basis. It\'s easy. In Chrome, Edge, Firefox, Internet Explorer, or Opera, simply press Ctrl+Shift+Del to bring up a dialog that lets you choose which elements of browser data you want to clear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Deleting cookies may cause trouble for some websites—you may lose any personalization you\'ve applied. Most browsers let you list favorite websites whose cookies shouldn\'t be tossed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For a complete guide to getting started, you can read our feature on how to clear your cache in any browser.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"10-turn-off-the-save-password-feature-in-browsers\">10. Turn Off the \'Save Password\' Feature in Browsers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Speaking of what your browser may know about you, most browsers include a built-in password management solution. We at PCMag don\'t recommend them, however. We feel it\'s best to leave password protection to the experts who make password managers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Think about this. When you install a third-party password manager, it typically offers to import your password from the browser\'s storage. If the password manager can do that, you can be sure some malicious software can do the same. In addition, keeping your passwords in a single, central password manager lets you use them across all browsers and devices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"11-dont-fall-prey-to-click-bait-or-phishing-scams\">11. Don\'t Fall Prey to Click Bait or Phishing Scams</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Part of securing your online life is being smart about what you click. Click bait doesn\'t just refer to cat compilation videos and catchy headlines. It can also comprise links in email, messaging apps, and on Facebook. Phishing links masquerade as secure websites, hoping to trick you into giving them your credentials. Drive-by download pages can cause malware to automatically download and infect your device.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Don\'t click links in emails or text messages, unless they come from a source you trust. Even then, be cautious; your trusted source might have been compromised, or the message might be a fake. The same goes for links on social media sites, even in posts that seem to be from your friends. If a post seems unlike the style of your social media buddy, it could be a hack.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"12-protect-your-social-media-privacy\">12. Protect Your Social Media Privacy</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>There’s a common saying: if you’re not paying for a service, you’re not a customer; you’re the product. Social media sites make it easy for you to share your thoughts and pictures with friends, but it’s easy to wind up sharing too much.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You can download your Facebook data to see just what the social media giant knows about you. It may be quite an eye-opener, especially if you\'re the kind of person who routinely clicks on quizzes that require access to your social media account. Really, you don\'t need to know which Disney princess or dog breed you are.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You can drastically reduce the amount of data going to Facebook by disabling the sharing platform entirely. Once you do, your friends can no longer leak your personal data. You can\'t lose data to apps, because you can\'t use apps. And you can\'t use your Facebook credentials to log into other websites (which was always a bad idea).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Of course, other social media sites need attention too. Google probably knows more about you than Facebook, so take steps to manage your Google privacy, too. Make sure you\'ve configured each social media site so that your posts aren\'t public (well, all except Twitter). Think twice before revealing too much in a post, since your friends might share it with others. With care, you can retain your privacy without losing the entertainment and connections of social media.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.pcmag.com/how-to/12-simple-things-you-can-do-to-be-more-secure-online\">click here</a>.</p>\n<!-- /wp:paragraph -->','12 Simple Things You Can Do to Be More Secure Online','','inherit','closed','closed','','1803-revision-v1','','','2021-07-08 19:15:27','2021-07-08 19:15:27','',1803,'http://smartinsurance.tips/?p=1807',0,'revision','',0),(1815,1,'2021-07-09 17:56:34','2021-07-09 17:56:34','','My-Post-22','','inherit','open','closed','','my-post-22','','','2021-07-09 17:56:34','2021-07-09 17:56:34','',1814,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-22.png',0,'attachment','image/png',0),(1816,1,'2021-07-09 18:01:56','2021-07-09 18:01:56','<!-- wp:image {\"id\":1815,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-22-1024x536.png\" alt=\"\" class=\"wp-image-1815\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Imagine waking up one morning and going through your daily routine: shower, get dressed, coffee, grab your car keys—but you discover your car isn’t where you parked it the night before. All that’s left behind is an empty space and a sinking feeling in your gut that you won’t see your car again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While motor vehicle thefts in 2019 decreased 4% compared to 2018, there were still an estimated 721,885 motor vehicle thefts in 2019, according to the FBI’s 2019 uniform crime reports. That accounts for a rate of almost 220 thefts for every 100,000 people.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While “motor vehicles” as defined by the FBI includes vehicles such as motorcycles, buses and all-terrain vehicles, nearly 75% of motor vehicle thefts were automobiles. The average dollar loss per stolen vehicle was $8,886.<img src=\"https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/10/ZW3z8-most-stolen-vehicles-in-2019.png\" alt=\"Most stolen cars in 2019\" width=\"1240\" height=\"914\"></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you’re the victim of car theft, it’s nothing less than a shock. But not having the right type of car insurance would make matters even worse. Without the right coverage, you won’t be able to recoup your loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s what you need to know about car theft and car insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Car Insurance Cover Car Theft?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you want coverage for car theft, you’ll need to add comprehensive insurance to your auto insurance policy. Comprehensive insurance also covers other types of problems such as vandalism, fires, floods, hail, falling objects (like tree branches) and collisions with animals (like deer).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you have a car loan or lease you’re likely required to have it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Comprehensive insurance will cover these theft-related problems:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Replace your stolen car</li><li>Replace some car parts that are stolen, such as a catalytic converter, but not custom parts or equipment, like an aftermarket sound system</li><li>Repair damaged caused by a theft, break-in or attempted break-in</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>You’ll be responsible for your deductible for a theft claim. For example, if you have a $500 deductible and your car is valued at $7,000, you would get an insurance check for $6,500 ($7,000 – $500 deductible = $6,500).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Comprehensive insurance won’t cover personal items that are stolen from your car. For example, if your laptop gets stolen, comprehensive won’t pay to replace it. However, you generally have coverage for stolen items under condo, renters or homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another thing comprehensive insurance won’t cover is the cost of a rental car. You’ll be without a car until your claim is resolved, so it might be worth adding rental reimbursement insurance to your auto policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>How Much Does Comprehensive Insurance Cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The average cost of comprehensive insurance is about $160 per year, according to the National Association of Insurance Commissioners’ most recent data. Here’s the average cost of comprehensive insurance in your state.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_55967\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">State</th><th scope=\"col\">Average cost of comprehensive insurance</th></tr></thead><tbody><tr><td>Alabama</td><td>$169.90</td></tr><tr><td>Alaska</td><td>$140.50</td></tr><tr><td>Arizona</td><td>$204.93</td></tr><tr><td>Arkansas</td><td>$216.70</td></tr><tr><td>California</td><td>$96.15</td></tr><tr><td>Colorado</td><td>$228.32</td></tr><tr><td>Connecticut</td><td>$133.91</td></tr><tr><td>Delaware</td><td>$133.19</td></tr><tr><td>District of Columbia</td><td>$224.28</td></tr><tr><td>Florida</td><td>$137.88</td></tr><tr><td>Georgia</td><td>$169.68</td></tr><tr><td>Hawaii</td><td>$106.97</td></tr><tr><td>Idaho</td><td>$130.86</td></tr><tr><td>Illinois</td><td>$133.32</td></tr><tr><td>Indiana</td><td>$130.71</td></tr><tr><td>Iowa</td><td>$211.60</td></tr><tr><td>Kansas</td><td>$267.10</td></tr><tr><td>Kentucky</td><td>$157.38</td></tr><tr><td>Louisiana</td><td>$231.76</td></tr><tr><td>Maine</td><td>$108.54</td></tr><tr><td>Maryland</td><td>$162.34</td></tr><tr><td>Massachusetts</td><td>$145.10</td></tr><tr><td>Michigan</td><td>$157.50</td></tr><tr><td>Minnesota</td><td>$197.67</td></tr><tr><td>Mississippi</td><td>$229.41</td></tr><tr><td>Missouri</td><td>$204.08</td></tr><tr><td>Montana</td><td>$267.84</td></tr><tr><td>Nebraska</td><td>$253.30</td></tr><tr><td>Nevada</td><td>$115.46</td></tr><tr><td>New Hampshire</td><td>$115.63</td></tr><tr><td>New Jersey</td><td>$129.12</td></tr><tr><td>New Mexico</td><td>$197.95</td></tr><tr><td>New York</td><td>$179.31</td></tr><tr><td>North Carolina</td><td>$133.49</td></tr><tr><td>North Dakota</td><td>$241.51</td></tr><tr><td>Ohio</td><td>$128.46</td></tr><tr><td>Oklahoma</td><td>$254.61</td></tr><tr><td>Oregon</td><td>$101.80</td></tr><tr><td>Pennsylvania</td><td>$162.59</td></tr><tr><td>Rhode Island</td><td>$136.58</td></tr><tr><td>South Carolina</td><td>$197.24</td></tr><tr><td>South Dakota</td><td>$308.71</td></tr><tr><td>Tennessee</td><td>$158.13</td></tr><tr><td>Texas</td><td>$234.17</td></tr><tr><td>Utah</td><td>$122.44</td></tr><tr><td>Vermont</td><td>$142.83</td></tr><tr><td>Virginia</td><td>$146.00</td></tr><tr><td>Washington</td><td>$113.77</td></tr><tr><td>West Virginia</td><td>$213.34</td></tr><tr><td>Wisconsin</td><td>$148.83</td></tr><tr><td>Wyoming</td><td>$291.22</td></tr></tbody></table><figcaption><em>Source: National Association of Insurance Commissioners Auto Insurance Report 2020</em></figcaption></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading -->\n<h2>How Can I Prevent My Car From Being Stolen?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>There are several things you can do to reduce the risk of your car being stolen. The National Insurance Crime Bureau (NICB) recommends a layered approach:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Use Common Sense</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The first layer of defense is common sense. Don’t make car theft easy for the thief. A few simple precautions can reduce the likelihood of someone taking off with your car.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Lock your doors</li><li>Take your keys out of the ignition (almost 245,000 cars stolen between 2014 and 2019 were left with their keys inside the vehicle, according to the NICB)</li><li>Close your windows</li><li>Park your car in well-lit areas</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Use a Visible or Audible Device</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The second layer involves adding some sort of anti-theft device to help deter a car thief, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Audible car alarms</li><li>Brake locks</li><li>Identification markers in or on the car, such as security labels that mark various parts which can be identified if they are removed</li><li>Micro dot marking</li><li>Steering column collars</li><li>Steering wheel/brake pedal lock</li><li>Wheel locks</li><li>Window etching</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Install a Vehicle Immobilizer</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The third layer involves installing a device that will prevent a car thief from driving off with your car, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Kill switches</li><li>Fuse cut-offs</li><li>Smart keys</li><li>Starter, ignition and fuel disablers</li><li>Wireless, ignition authentication</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Get a Tracking System</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The fourth and final layer involves installing a tracking system that police or a monitoring service can use to locate your car if it is reported stolen. Some of these devices might use GPS and wireless technologies. For example, the LoJack Stolen Vehicle Recovery System uses a hidden transceiver which can be tracked by police and aircraft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>How Do Insurance Companies Investigate Car Theft Claims?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When you file an insurance claim for a stolen car, your insurance company will most likely investigate the theft. You’ll need a police report to make a theft claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your claim could be assigned to your insurance company’s special investigations unit (SIU). A typical investigation might include obtaining the police report, speaking with witnesses, investigating the scene of the theft and a forensic analysis if the vehicle is recovered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Additionally, an SIU investigator could contact you and ask follow up questions regarding the theft of your vehicle. You could also be required to attend an examination under oath, which is a formal proceeding where you are questioned by a representative of an insurance company in the presence of a court reporter and subject to perjury.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your policy requires you to cooperate with your insurance company’s investigation. If you fail to do so, your claim could be denied. If your claim is under investigation, you may want to speak with your own legal counsel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/coverage-for-car-theft/\">click here</a>.</p>\n<!-- /wp:paragraph -->','Here’s The Insurance You Need To Cover Car Theft','','inherit','closed','closed','','1814-revision-v1','','','2021-07-09 18:01:56','2021-07-09 18:01:56','',1814,'http://smartinsurance.tips/?p=1816',0,'revision','',0),(1817,1,'2021-07-09 18:08:37','2021-07-09 18:08:37','<!-- wp:image {\"id\":2752,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/10/Insurance-1-1.png\" alt=\"\" class=\"wp-image-2752\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A lot of car accidents are caused by animals every year. Animals are unpredictable, and when they dart out from tall weeds, a home, or a nearby forest, they can be impossible to avoid. Some car insurance covers animal damage, and nearly all animal car accidents are handled the same by car insurance carriers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Key takeaways: </strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>If your car insurance policy includes comprehensive coverage, the entire cost of your animal car accident will likely be covered.</li><li>Handling different types of animal damage can vary depending on whether the animal has an owner.</li><li>Comprehensive coverage is also helpful if you encounter storm damage, flying debris, fire, or theft.</li><li>Check your declarations page to find out what types of coverage you have.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-5\">Comprehensive Insurance Covers Animal Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">Knowing what damage to look for and how to handle an insurance claim due to animal damage can save you both time and money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Your car insurance can potentially cover all animal car accidents if you have purchased comprehensive coverage. Take photos of the damage, and call your insurance agent if you need help filing the claim.</li><li>The cost of the damage must exceed your deductible. Otherwise, you will be on the hook for the full cost of repairs.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Making a police report is a good idea. Even though there’s no “suspect” for them to arrest or ticket, letting the police know about your accident proves to your insurance company that it happened.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-15\">Tips for Specific Types of Animals</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">Handling different types of animal damage varies according to whether or not the animal has an owner. Pet owners are often held liable for animal accidents. Of course, wild animals such as deer don\'t have owners, but you may be asked about it when filing a claim. It is all a part of the process so that the claim can be filed accurately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Deer</strong><br>Deer are easily the most common animals hit on U.S. roadways. Deer are large enough to do severe damage to your car and sometimes can even cause injury to the driver and passengers. It all depends on the vehicle\'s speed and type of vehicle. Because deer are so prevalent, it is a good idea to get a police report. Police reports come in especially handy if you recently purchased your car insurance policy or if you recently filed another deer claim. A police report will verify information about the accident to your insurance claim adjuster. Some insurance carriers do not require a police report; if you are unsure, check with your agent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Dog</strong><br>Hitting a dog with your car is a little different when compared to hitting other animals because dogs usually have owners. Owners are responsible for damages caused by their dog when it has not been appropriately restrained. The standard procedure is for the dog owner\'s homeowners\' policy to cover the damage. However, if there is no home insurance, the dog owner would be held personally responsible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sometimes the owner would prefer to cover the damage out of pocket versus filing a claim. And other times, small claims court is required. It all depends on how the owner responds to the situation. If you cannot locate the dog\'s owner, your car insurance policy\'s comprehensive coverage will cover the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Bird</strong><br>Often the only damage birds cause is to the windshield. Windshield coverage is also provided under comprehensive coverage. If you have a deductible, check around with local glass companies to see if they waive deductibles.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Raccoon</strong><br>A raccoon might seem small and harmless when it comes to a car accident, but it is still possible for them to do a lot of damage, depending on what kind of car you drive. If you hit a raccoon with your car and you drive a compact, be sure to get it checked out immediately. The animal is likely to have damaged the undercarriage, and that can severely affect your vehicle if left unfixed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Cow</strong><br>As you can imagine, your car is likely to sustain substantial damage when hitting such a large animal. Similar to hitting a dog, the cow\'s owner would be responsible for any damages because the cow should not be in the roadway. It is possible to file a comprehensive claim under your car insurance policy and then have your insurance company subrogate the claim. This subrogation means the insurance carrier would go after the animal\'s owner. Your vehicle may be repaired sooner if you file the claim under your car insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-47\">Comprehensive Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your comprehensive coverage would cover animal damage not listed here, as well. Comprehensive is the one coverage that protects your vehicle against physical damage to your car, NOT involving a stationary object or another vehicle. You will also find comprehensive coverage to be helpful if you encounter storm damage, flying debris, fire, or theft.1﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Check your car insurance policy to verify your coverage. Your declaration page should state comprehensive or other than collision on your policy if you have purchased this coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What types of car insurance are there?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Collision insurance covers damage caused by your car colliding with a vehicle or stationary object while you were driving, such as hitting another car or a mailbox. Comprehensive car insurance covers other types of damage, such as colliding with an animal or damage from vandalism or falling tree branches.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>How do I file a car insurance claim?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You will want to file a car insurance claim if someone was injured due to an accident or collision, if property was damaged, or if your vehicle was damaged. You can file a claim by contacting your insurance carrier, either by phone or through its website. If you file a claim through the website, an agent will call you to talk through the details and collect additional information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebalance.com/car-accidents-caused-by-animals-527081\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Car Insurance Cover Animal Damage?','','publish','closed','closed','','does-car-insurance-cover-animal-damage','','','2022-10-17 16:49:05','2022-10-17 16:49:05','',0,'http://smartinsurance.tips/?page_id=1817',0,'page','',0),(1818,1,'2021-07-09 18:04:24','2021-07-09 18:04:24','','My-Post-23','','inherit','open','closed','','my-post-23','','','2021-07-09 18:04:24','2021-07-09 18:04:24','',1817,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-23.png',0,'attachment','image/png',0),(1819,1,'2021-07-09 18:08:37','2021-07-09 18:08:37','<!-- wp:image {\"id\":1818,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-23-1024x536.png\" alt=\"\" class=\"wp-image-1818\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>A lot of car accidents are caused by animals every year. Animals are unpredictable, and when they dart out from tall weeds, a home, or a nearby forest, they can be impossible to avoid. Some car insurance covers animal damage, and nearly all animal car accidents are handled the same by car insurance carriers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>If your car insurance policy includes comprehensive coverage, the entire cost of your animal car accident will likely be covered.</li><li>Handling different types of animal damage can vary depending on whether the animal has an owner.</li><li>Comprehensive coverage is also helpful if you encounter storm damage, flying debris, fire, or theft.</li><li>Check your declarations page to find out what types of coverage you have.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-5\">Comprehensive Insurance Covers Animal Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">Knowing what damage to look for and how to handle an insurance claim due to animal damage can save you both time and money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Your car insurance can potentially cover all animal car accidents if you have purchased comprehensive coverage. Take photos of the damage, and call your insurance agent if you need help filing the claim.</li><li>The cost of the damage must exceed your deductible. Otherwise, you will be on the hook for the full cost of repairs.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Making a police report is a good idea. Even though there’s no “suspect” for them to arrest or ticket, letting the police know about your accident proves to your insurance company that it happened.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-15\">Tips for Specific Types of Animals</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">Handling different types of animal damage varies according to whether or not the animal has an owner. Pet owners are often held liable for animal accidents. Of course, wild animals such as deer don\'t have owners, but you may be asked about it when filing a claim. It is all a part of the process so that the claim can be filed accurately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Deer<br>Deer are easily the most common animals hit on U.S. roadways. Deer are large enough to do severe damage to your car and sometimes can even cause injury to the driver and passengers. It all depends on the vehicle\'s speed and type of vehicle. Because deer are so prevalent, it is a good idea to get a police report. Police reports come in especially handy if you recently purchased your car insurance policy or if you recently filed another deer claim. A police report will verify information about the accident to your insurance claim adjuster. Some insurance carriers do not require a police report; if you are unsure, check with your agent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Dog<br>Hitting a dog with your car is a little different when compared to hitting other animals because dogs usually have owners. Owners are responsible for damages caused by their dog when it has not been appropriately restrained. The standard procedure is for the dog owner\'s homeowners\' policy to cover the damage. However, if there is no home insurance, the dog owner would be held personally responsible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Sometimes the owner would prefer to cover the damage out of pocket versus filing a claim. And other times, small claims court is required. It all depends on how the owner responds to the situation. If you cannot locate the dog\'s owner, your car insurance policy\'s comprehensive coverage will cover the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Bird<br>Often the only damage birds cause is to the windshield. Windshield coverage is also provided under comprehensive coverage. If you have a deductible, check around with local glass companies to see if they waive deductibles.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Raccoon<br>A raccoon might seem small and harmless when it comes to a car accident, but it is still possible for them to do a lot of damage, depending on what kind of car you drive. If you hit a raccoon with your car and you drive a compact, be sure to get it checked out immediately. The animal is likely to have damaged the undercarriage, and that can severely affect your vehicle if left unfixed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Cow<br>As you can imagine, your car is likely to sustain substantial damage when hitting such a large animal. Similar to hitting a dog, the cow\'s owner would be responsible for any damages because the cow should not be in the roadway. It is possible to file a comprehensive claim under your car insurance policy and then have your insurance company subrogate the claim. This subrogation means the insurance carrier would go after the animal\'s owner. Your vehicle may be repaired sooner if you file the claim under your car insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-47\">Comprehensive Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your comprehensive coverage would cover animal damage not listed here, as well. Comprehensive is the one coverage that protects your vehicle against physical damage to your car, NOT involving a stationary object or another vehicle. You will also find comprehensive coverage to be helpful if you encounter storm damage, flying debris, fire, or theft.1﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Check your car insurance policy to verify your coverage. Your declaration page should state comprehensive or other than collision on your policy if you have purchased this coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalance.com/car-accidents-caused-by-animals-527081\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Car Insurance Cover Animal Damage?','','inherit','closed','closed','','1817-revision-v1','','','2021-07-09 18:08:37','2021-07-09 18:08:37','',1817,'http://smartinsurance.tips/?p=1819',0,'revision','',0),(1821,1,'2021-07-09 18:18:28','2021-07-09 18:18:28','<!-- wp:image {\"id\":1822,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-24-1024x536.png\" alt=\"\" class=\"wp-image-1822\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Properly understanding what is and isn’t covered by homeowners insurance requires policyholders to ask a lot of questions and to read the fine print on their insurance contract—before they purchase a policy. Although every homeowners insurance policy is different, there are some things that almost all insurance policies have in common.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Most homeowners insurance covers certain basics, but policies vary a great deal, so be sure to read the fine print before you purchase one.</li><li>Your homeowners insurance coverage may overlap with other types of insurance you hold.</li><li>All policies have deductibles before coverage of your residence\'s structure and the property inside it kicks in.</li><li>Damage or destruction due to vandalism, fire and certain natural disasters are all usually covered. So is your liability if someone is injured on your property.</li><li>Certain catastrophes, like flooding or earthquakes, are generally not covered by basic homeowners policies and require specialized insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-4\">What Homeowners Insurance Covers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance typically covers a broad range of possible damages. Your actual, physical dwelling should be covered, as well as some other structures on the property, like a garage, fence, driveway, or shed. However, if you run a business on your property in a separate structure, it is generally not covered by homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Personal property is typically accounted for in your policy as well. The specific protection for it is sometimes known as contents insurance. Coverage may be limited to certain types of high-value items, such as jewelry or artwork; often, additional coverage is purchased specifically for such assets. So when policy shopping, don’t forget to ask your agent whether you’ll need to get additional coverage to cover your original Van Gogh or that flawless “D” diamond ring.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-9\">Replacement Cost vs. Fair Value</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Not all insurance policies offer homeowners the replacement cost of the property. Buying coverage for replacement cost helps to bridge the gap caused by inflation and the loss of value when property is no longer new. Otherwise, when you claim a loss, the item in question will be assessed at the current fair market value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Since some items depreciate quickly, this means you may not get enough money from a claim to replace the items that were lost or damaged. Replacement-cost coverage ensures you’re able to replace the items that were lost with similar items. If having this coverage is important to you, you’ll want to be sure both your home and personal property are covered in this way.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-14\">Car Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most homeowners insurance policies include coverage for personal effects and separate structures on your property. But what happens if your car is broken into while it’s in your driveway or garage? This is where the distinction between your home and auto insurance policies can become a little blurry.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While homeowners insurance won’t cover damage to the auto itself, many policies will provide some coverage for personal items that are stolen from your car. But some of the more comprehensive auto insurance policies may cover this, too. Insurance companies may also limit the coverage available through your policy if the items stolen were purchased exclusively for use in the vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-19\">Fire Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">House fires are one of the most common causes of damage to homes, and almost every homeowners insurance policy protects structures and belongings against them. If a home is completely destroyed by fire, most standard policies that cover fire also cover the cost of additional living expenses, such as hotel stays, rentals, or food and restaurant bills.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-22\">Natural Disaster Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">A wide range of natural disasters is typically covered by your homeowners insurance policy, though not all of them. The typical inclusions for natural disasters include lightning, thunderstorms, hurricanes, and hail. Your policy may also include coverage for smoke damage, damage caused by falling items, or severe winds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Earthquakes and other natural movements of the earth are not typically covered by insurance policies. If you live in certain regions that are high-risk for these or other types of natural hazards, you’ll want to be sure to inquire about special, separate types of catastrophe insurance, like windstorm or flood insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If your home is at risk of damage from hurricanes, it\'s essential that you have enough insurance coverage in place to protect your property. Your standard homeowners policy may not cover all hurricane damage, but you may consider purchasing a hurricane policy that supplies this additional protection. These policies often match the coverage of your homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-29\">Flood Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Flooding caused by an interior problem, like a leaking pipe or an overflowing toilet, is generally covered by homeowners insurance. However, flooding due to external conditions is much the same as earthquakes. Whether the causes are natural (rising rivers, flash floods) or man-related (burst dams, sewer backups), they are not generally covered in basic policies. You can ask your insurance company about adding coverage to your policy, or (more likely) buying separate flood insurance, especially if you live in a region that is prone to flooding. In fact, you may be required to, if you need a mortgage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-32\">Vandalism Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Vandalism is generally covered under an all-risks or all-perils policy unless it is specifically excluded. Vandalism coverage applies to unoccupied homes but not to vacant homes after a certain period of time. An unoccupied home is one that still contains the personal property of the policy owner, even though the property owner is absent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A vacant home is empty and free of the owner’s personal property. An example of this would be if you were selling your home and moved out, taking all of your belongings and furnishings with you. After a set period of time, vandalism coverage would no longer apply to your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-37\">Personal Injury</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">Most homeowners insurance policies include coverage for injuries incurred on your property where you are liable. This could include something like someone slipping on a patch of ice that’s on your front walk, or falling as a result of a broken step on your porch.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This coverage is usually limited to a certain dollar value, so you definitely want to know how much coverage you have and exactly what’s included. Umbrella insurance can provide additional liability coverage if you think you need it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-42\">What Is a Homeowners Insurance Deductible?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The deductible is the amount the insured party has to pay when a claim is made. You can decrease your insurance costs by increasing the amount of your deductible, meaning you’ll be required to pay more if you ever do have an incident that requires you to make a claim. Keep in mind many mortgage providers require homeowners to carry a certain amount of insurance on their property with a deductible that’s below a specified limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Check with your mortgage provider before opting for the lowest possible rate with the highest possible deductible. It might be tempting to go for the lower rate, but if you ever do have to make an insurance claim, you might regret it if you’re responsible for a $10,000 deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-47\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-48\">Your insurance policy’s fine print may not seem like particularly interesting reading material, but it’s better to take the time to thoroughly understand what your insurance policy covers—before you’re stuck in an unfortunate situation and discover you’re not covered for that particular loss or liability. At the end of the day, doing your homework before purchasing a policy could really pay off when you actually need to rely on your homeowners insurance coverage. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/financial-edge/1211/what-is-and-isnt-covered-by-homeowners-insurance.aspx\">click here</a>.</p>\n<!-- /wp:paragraph -->','What Is and Isn’t Covered by Homeowners Insurance?','','publish','closed','closed','','what-is-and-isnt-covered-by-homeowners-insurance','','','2021-07-09 18:18:29','2021-07-09 18:18:29','',0,'http://smartinsurance.tips/?page_id=1821',0,'page','',0),(1822,1,'2021-07-09 18:10:35','2021-07-09 18:10:35','','My-Post-24','','inherit','open','closed','','my-post-24','','','2021-07-09 18:10:35','2021-07-09 18:10:35','',1821,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-24.png',0,'attachment','image/png',0),(1823,1,'2021-07-09 18:18:28','2021-07-09 18:18:28','<!-- wp:image {\"id\":1822,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-24-1024x536.png\" alt=\"\" class=\"wp-image-1822\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Properly understanding what is and isn’t covered by homeowners insurance requires policyholders to ask a lot of questions and to read the fine print on their insurance contract—before they purchase a policy. Although every homeowners insurance policy is different, there are some things that almost all insurance policies have in common.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Most homeowners insurance covers certain basics, but policies vary a great deal, so be sure to read the fine print before you purchase one.</li><li>Your homeowners insurance coverage may overlap with other types of insurance you hold.</li><li>All policies have deductibles before coverage of your residence\'s structure and the property inside it kicks in.</li><li>Damage or destruction due to vandalism, fire and certain natural disasters are all usually covered. So is your liability if someone is injured on your property.</li><li>Certain catastrophes, like flooding or earthquakes, are generally not covered by basic homeowners policies and require specialized insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-4\">What Homeowners Insurance Covers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance typically covers a broad range of possible damages. Your actual, physical dwelling should be covered, as well as some other structures on the property, like a garage, fence, driveway, or shed. However, if you run a business on your property in a separate structure, it is generally not covered by homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Personal property is typically accounted for in your policy as well. The specific protection for it is sometimes known as contents insurance. Coverage may be limited to certain types of high-value items, such as jewelry or artwork; often, additional coverage is purchased specifically for such assets. So when policy shopping, don’t forget to ask your agent whether you’ll need to get additional coverage to cover your original Van Gogh or that flawless “D” diamond ring.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-9\">Replacement Cost vs. Fair Value</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Not all insurance policies offer homeowners the replacement cost of the property. Buying coverage for replacement cost helps to bridge the gap caused by inflation and the loss of value when property is no longer new. Otherwise, when you claim a loss, the item in question will be assessed at the current fair market value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Since some items depreciate quickly, this means you may not get enough money from a claim to replace the items that were lost or damaged. Replacement-cost coverage ensures you’re able to replace the items that were lost with similar items. If having this coverage is important to you, you’ll want to be sure both your home and personal property are covered in this way.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-14\">Car Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most homeowners insurance policies include coverage for personal effects and separate structures on your property. But what happens if your car is broken into while it’s in your driveway or garage? This is where the distinction between your home and auto insurance policies can become a little blurry.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While homeowners insurance won’t cover damage to the auto itself, many policies will provide some coverage for personal items that are stolen from your car. But some of the more comprehensive auto insurance policies may cover this, too. Insurance companies may also limit the coverage available through your policy if the items stolen were purchased exclusively for use in the vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-19\">Fire Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">House fires are one of the most common causes of damage to homes, and almost every homeowners insurance policy protects structures and belongings against them. If a home is completely destroyed by fire, most standard policies that cover fire also cover the cost of additional living expenses, such as hotel stays, rentals, or food and restaurant bills.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-22\">Natural Disaster Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">A wide range of natural disasters is typically covered by your homeowners insurance policy, though not all of them. The typical inclusions for natural disasters include lightning, thunderstorms, hurricanes, and hail. Your policy may also include coverage for smoke damage, damage caused by falling items, or severe winds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Earthquakes and other natural movements of the earth are not typically covered by insurance policies. If you live in certain regions that are high-risk for these or other types of natural hazards, you’ll want to be sure to inquire about special, separate types of catastrophe insurance, like windstorm or flood insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If your home is at risk of damage from hurricanes, it\'s essential that you have enough insurance coverage in place to protect your property. Your standard homeowners policy may not cover all hurricane damage, but you may consider purchasing a hurricane policy that supplies this additional protection. These policies often match the coverage of your homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-29\">Flood Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Flooding caused by an interior problem, like a leaking pipe or an overflowing toilet, is generally covered by homeowners insurance. However, flooding due to external conditions is much the same as earthquakes. Whether the causes are natural (rising rivers, flash floods) or man-related (burst dams, sewer backups), they are not generally covered in basic policies. You can ask your insurance company about adding coverage to your policy, or (more likely) buying separate flood insurance, especially if you live in a region that is prone to flooding. In fact, you may be required to, if you need a mortgage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-32\">Vandalism Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Vandalism is generally covered under an all-risks or all-perils policy unless it is specifically excluded. Vandalism coverage applies to unoccupied homes but not to vacant homes after a certain period of time. An unoccupied home is one that still contains the personal property of the policy owner, even though the property owner is absent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A vacant home is empty and free of the owner’s personal property. An example of this would be if you were selling your home and moved out, taking all of your belongings and furnishings with you. After a set period of time, vandalism coverage would no longer apply to your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-37\">Personal Injury</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">Most homeowners insurance policies include coverage for injuries incurred on your property where you are liable. This could include something like someone slipping on a patch of ice that’s on your front walk, or falling as a result of a broken step on your porch.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This coverage is usually limited to a certain dollar value, so you definitely want to know how much coverage you have and exactly what’s included. Umbrella insurance can provide additional liability coverage if you think you need it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-42\">What Is a Homeowners Insurance Deductible?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The deductible is the amount the insured party has to pay when a claim is made. You can decrease your insurance costs by increasing the amount of your deductible, meaning you’ll be required to pay more if you ever do have an incident that requires you to make a claim. Keep in mind many mortgage providers require homeowners to carry a certain amount of insurance on their property with a deductible that’s below a specified limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Check with your mortgage provider before opting for the lowest possible rate with the highest possible deductible. It might be tempting to go for the lower rate, but if you ever do have to make an insurance claim, you might regret it if you’re responsible for a $10,000 deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-47\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-48\">Your insurance policy’s fine print may not seem like particularly interesting reading material, but it’s better to take the time to thoroughly understand what your insurance policy covers—before you’re stuck in an unfortunate situation and discover you’re not covered for that particular loss or liability. At the end of the day, doing your homework before purchasing a policy could really pay off when you actually need to rely on your homeowners insurance coverage. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/financial-edge/1211/what-is-and-isnt-covered-by-homeowners-insurance.aspx\">click here</a>.</p>\n<!-- /wp:paragraph -->','What Is and Isn’t Covered by Homeowners Insurance?','','inherit','closed','closed','','1821-revision-v1','','','2021-07-09 18:18:28','2021-07-09 18:18:28','',1821,'http://smartinsurance.tips/?p=1823',0,'revision','',0),(1824,1,'2021-07-09 18:28:30','2021-07-09 18:28:30','<!-- wp:image {\"id\":1825,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-25-1024x536.png\" alt=\"\" class=\"wp-image-1825\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0\">What Is Water Damage Legal Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Water damage legal liability insurance refers to a type of policy that provides financial protection to a person or business that unintentionally causes water damage to the property of another.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For individuals, water damage legal liability insurance and the cost for it is typically included in renter, homeowners, and condo insurance policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Water damage legal liability insurance is a type of policy for individuals or businesses that protects them, if they cause unintentional water damage to someone else\'s property or possessions.</li><li>This type of insurance is generally part of a homeowners or renter\'s insurance policy.</li><li>To be covered, the water damage usually has to be caused by a sudden event or accident.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-7\">How Water Damage Legal Liability Insurance Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Water damage legal liability insurance is a kind of liability insurance. Liability insurance is itself a type of coverage that protects an individual or business from the risk of being sued or being held legally responsible—that is, liable—for something. Liability insurance policies can cover both legal costs and any legal payouts for destruction, damage, or injury, however inadvertent, which the insured is deemed responsible for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There are various situations when water damage legal liability insurance could help protect an individual from enormous costs. If the owners of a second-floor condo unit experienced a water heater explosion, for example, and the water leaked into any units on the first floor, water damage legal liability insurance would protect the owners of the second-floor condo by providing the money to repair the damage to the first-floor units. If the owners of the second-floor condo did not have water damage legal liability insurance, they could be held responsible for the repair costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-12\">Homeowners Policies and Water Damage Legal Liability Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance policies generally include water damage legal liability, either as part of the personal liability coverage or in a separate rider. Generally, the water damage has to be the result of a sudden event or accident—something unforeseen and inadvertent, like a leaking air conditioner, burst pipe, malfunctioning washing machine, or the aforementioned water heater rupture. The liability extends to damage, destruction, or injury to others\' structures, belongings, or even persons.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, if the triggering event and ensuing water damage are caused by poor maintenance, malfeasance, or deliberate carelessness, the liability coverage might not apply, or your insurance company might reject the claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-17\">How to increase or improve your coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-18\">Not all policies include water damage legal liability insurance, so it is important to read the insurance contract carefully. A more common issue, however, is not the existence of the coverage but the extent of it. Most standard homeowners policies provide a basic limit of liability of $300,000 for property damages or injuries; this amount can be increased (for an additional premium, of course), but often only to a specified limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you want broader liability coverage than that provided by your homeowners insurance, you could purchase what is commonly called an umbrella insurance policy. Personal liability insurance makes payments on the policyholder\'s behalf in cases of at-home and auto accidents, as well as situations that involve libel, slander, vandalism, or invasion of privacy. The policy also covers injuries that occur at secondary residences or seasonal homes, within recreational vehicles, on the premises of rental properties, or on a boat or watercraft owned by the policyholder.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/w/water-damage-legal-liability-insurance.asp\">click here</a>.</p>\n<!-- /wp:paragraph -->','Water Damage Legal Liability Insurance','','publish','closed','closed','','water-damage-legal-liability-insurance','','','2021-07-09 18:28:31','2021-07-09 18:28:31','',0,'http://smartinsurance.tips/?page_id=1824',0,'page','',0),(1825,1,'2021-07-09 18:22:40','2021-07-09 18:22:40','','My-Post-25','','inherit','open','closed','','my-post-25','','','2021-07-09 18:22:40','2021-07-09 18:22:40','',1824,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-25.png',0,'attachment','image/png',0),(1826,1,'2021-07-09 18:28:30','2021-07-09 18:28:30','<!-- wp:image {\"id\":1825,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-25-1024x536.png\" alt=\"\" class=\"wp-image-1825\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0\">What Is Water Damage Legal Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Water damage legal liability insurance refers to a type of policy that provides financial protection to a person or business that unintentionally causes water damage to the property of another.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For individuals, water damage legal liability insurance and the cost for it is typically included in renter, homeowners, and condo insurance policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Water damage legal liability insurance is a type of policy for individuals or businesses that protects them, if they cause unintentional water damage to someone else\'s property or possessions.</li><li>This type of insurance is generally part of a homeowners or renter\'s insurance policy.</li><li>To be covered, the water damage usually has to be caused by a sudden event or accident.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-7\">How Water Damage Legal Liability Insurance Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Water damage legal liability insurance is a kind of liability insurance. Liability insurance is itself a type of coverage that protects an individual or business from the risk of being sued or being held legally responsible—that is, liable—for something. Liability insurance policies can cover both legal costs and any legal payouts for destruction, damage, or injury, however inadvertent, which the insured is deemed responsible for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There are various situations when water damage legal liability insurance could help protect an individual from enormous costs. If the owners of a second-floor condo unit experienced a water heater explosion, for example, and the water leaked into any units on the first floor, water damage legal liability insurance would protect the owners of the second-floor condo by providing the money to repair the damage to the first-floor units. If the owners of the second-floor condo did not have water damage legal liability insurance, they could be held responsible for the repair costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-12\">Homeowners Policies and Water Damage Legal Liability Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance policies generally include water damage legal liability, either as part of the personal liability coverage or in a separate rider. Generally, the water damage has to be the result of a sudden event or accident—something unforeseen and inadvertent, like a leaking air conditioner, burst pipe, malfunctioning washing machine, or the aforementioned water heater rupture. The liability extends to damage, destruction, or injury to others\' structures, belongings, or even persons.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, if the triggering event and ensuing water damage are caused by poor maintenance, malfeasance, or deliberate carelessness, the liability coverage might not apply, or your insurance company might reject the claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-17\">How to increase or improve your coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-18\">Not all policies include water damage legal liability insurance, so it is important to read the insurance contract carefully. A more common issue, however, is not the existence of the coverage but the extent of it. Most standard homeowners policies provide a basic limit of liability of $300,000 for property damages or injuries; this amount can be increased (for an additional premium, of course), but often only to a specified limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you want broader liability coverage than that provided by your homeowners insurance, you could purchase what is commonly called an umbrella insurance policy. Personal liability insurance makes payments on the policyholder\'s behalf in cases of at-home and auto accidents, as well as situations that involve libel, slander, vandalism, or invasion of privacy. The policy also covers injuries that occur at secondary residences or seasonal homes, within recreational vehicles, on the premises of rental properties, or on a boat or watercraft owned by the policyholder.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/w/water-damage-legal-liability-insurance.asp\">click here</a>.</p>\n<!-- /wp:paragraph -->','Water Damage Legal Liability Insurance','','inherit','closed','closed','','1824-revision-v1','','','2021-07-09 18:28:30','2021-07-09 18:28:30','',1824,'http://smartinsurance.tips/?p=1826',0,'revision','',0),(1828,1,'2021-07-09 18:37:01','2021-07-09 18:37:01','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3354,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/07/My-project-1-30-1.png\" alt=\"\" class=\"wp-image-3354\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0\">What Is Watercraft Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Watercraft insurance is an umbrella term for three types of insurance: boat insurance, yacht insurance, and personal watercraft insurance. It protects against damages to vessels powered by a motor that has horsepower of at least 25 miles per hour (mph). Examples of the types of costs covered by watercraft insurance policies include physical loss or damage to the boat, theft of the boat, and towing.﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Depending on the policy, there may also be watercraft liability coverage for bodily injury to people other than the boat’s owner and family, guest passengers using the boat by themselves, and medical payments for injury to the owner and their family. Some policies, however, require the purchase of additional liability coverage as an add-on. The specific type of insurance you buy is dictated by the size of your vessel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Key takaways:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Watercraft insurance is an umbrella term for three types of insurance: boat insurance, yacht insurance, and personal watercraft insurance.</li><li>The type of coverage you buy is dictated by the size of your vessel.</li><li>Although watercraft insurance is not required in many states, many boat owners choose to purchase it anyway.</li><li>Boat-loan providers and marinas often require boat owners to have watercraft insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-7\">How Watercraft Insurance Works?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">Watercraft insurance is similar to other types of insurance products. In exchange for paying a series of insurance premiums, the policyholder receives protection from certain rare but potentially costly risks. Depending on factors such as the size of the craft, its age, and its intended uses, the premium costs may range from relatively inexpensive to pricey. When underwriting a policy, an insurance company will also consider the policyholder’s track record of previous claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-10\">Boat insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-11\">Any vessel under 197 feet long is considered a boat, while ships are 197 feet or longer. The dividing line between boat and yacht is less settled. Some sources define a yacht as at least 30 feet long. Anything shorter is a pleasure boat. For its purposes, the National Boat Owners Association marks the dividing line at 27 feet.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Small craft, such as canoes, rowboats, small sailboats, and powerboats with less than 25 miles-per-hour horsepower may be covered under a standard homeowners or renter’s insurance policy. However, such coverage is unlikely to include liability insurance. Typical boat insurance covers theft; physical damage to the boat itself due to a collision or striking a submerged object; property damage to the boat caused by vandalism, a windstorm, or lightning; and medical payments for injured passengers and the owner and their family. For each coverage there will be different deductibles, which is how much you must pay out of pocket before your insurance kicks in. Boat insurance will often provide better liability insurance than a homeowners policy, but it is often wise to purchase additional liability coverage as an add-on.﻿﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the event of a total loss, it is important to know whether your policy pays actual cash value (ACV) or agreed value (AV). ACV is cheaper, because it only pays for what the boat was worth at the time of the loss, factoring in depreciation and wear and tear on the vessel. AV pays a price that you and your insurer agree upon in advance, an amount that is likely to be closer to the amount you paid for the boat when new.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other considerations for boat insurance can include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-19\" class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Lay-up period</strong>—This covers your boat for property damage during the off-season, when it isn’t in the water.</li><li><strong>Navigational territory</strong>—Your insurance will generally specify where you can go in your boat and still be covered.</li><li><strong>Property damage</strong>—This is for damage your boat inflicts on someone else’s property.</li><li><strong>Hurricane haul-out provisions</strong>—This covers your costs of getting the boat out of harm’s way before a windstorm.&nbsp;</li><li><strong>On-water towing and assistance</strong>—This is for unexpected breakdowns or running aground.</li><li><strong>Fuel spill liability protection</strong>—Should there be an accidental discharge of fuel from your boat, this will cover the costs of a clean-up.</li><li><strong>Personal effects coverage</strong>—This will protect any expensive equipment you have on your boat, such as fishing gear</li><li><strong>Ice and freeze coverage</strong>—Should cold weather damage your boat’s engine and water systems, this will pay the bill.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-21\">Yacht insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most yacht coverage is broader and more specialized than pleasure boat coverage because larger vessels travel farther and are exposed to greater risks. It also generally costs more, in part because yachts cost more. In terms of a deductible, it is usually determined as a percentage of the insured value. With a 1% deductible, a boat insured for $175,000 would have a $1,750 deductible. Most lenders allow a maximum deductible of 2% of the insured value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Generally, yacht insurance coverage does not include wear and tear, gradual deterioration, marine life, marring, denting, scratching, animal damage, osmosis, blistering, electrolysis, manufacturer’s defects, defects in design, and ice and freezing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are two main parts of a yacht insurance policy: hull insurance and protection and indemnity (P&amp;I). The first is an all-risk, direct damage coverage that includes an AV for hull coverage, and in the case of a total loss it will be paid out in full. Replacement cost coverage on partial losses is also available. However, sails, canvas, batteries, outboards, and sometimes outdrives are usually subject to depreciation instead.6﻿﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">P&amp;I insurance is the broadest of all liability coverages, and because maritime law is particular, you will need coverages that are designed for those exposures. Long shore and harbor workers’ coverage and Jones Act coverage (for the yacht’s crew) are included and are important because your losses in these areas could run into six figures. P&amp;I will cover any judgements against you and also pay for your defense in admiralty courts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Personal watercraft insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">Personal watercraft insurance is for recreational vehicles such as Jet Skis, Sea-Doos, and Yamaha Wave Runners. These surface-skimming craft can have engines with horsepower anywhere from 60 mph to 310 mph. They usually are not covered by homeowners insurance, and even when they are, the coverage limits are low.﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Personal watercraft insurance covers the owner and anyone they allow to use the craft for risks such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-35\" class=\"has-black-color has-text-color has-large-font-size\"><li>Bodily injury to another person</li><li>Bodily injury to you that is caused by an uninsured watercraft operator</li><li>Liability in the form of legal costs if you’re sued due to an accident (which can include water sports liability for things such as water skiing risks)</li><li>Property damage to another watercraft, a boat, or a dock</li><li>Theft</li><li>Towing after an accident</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Deductibles and liability limits will vary depending upon the policy and the company offering it. You can buy additional coverage for trailers and accessories and, if you own more than one craft, you may be able to bundle your insurance policies for a discount. These pleasure vehicles are easy to use but can also be dangerous, causing thousands of injuries every year, which makes personal watercraft insurance a wise investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important: Watercraft insurance policies may limit the geographic areas in which the boat or watercraft can be operated while maintaining coverage. These often include inland waterways, rivers, and lakes, as well as ocean waters within a certain number of miles from shore.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-41\">Do I Need Watercraft Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Only a few states make it mandatory for boat owners to obtain watercraft insurance. However, many owners will opt to purchase it regardless, partly because doing so is required in order to obtain a boat loan. Marinas may also require owners to have watercraft insurance as a condition within their rental agreements.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.investopedia.com/terms/w/watercraft-insurance.asp\">click here</a>.</p>\n<!-- /wp:paragraph -->','Watercraft Insurance','','publish','closed','closed','','watercraft-insurance','','','2023-07-31 02:02:58','2023-07-31 02:02:58','',0,'http://smartinsurance.tips/?page_id=1828',0,'page','',0),(1829,1,'2021-07-09 18:33:25','2021-07-09 18:33:25','','My-Post-26','','inherit','open','closed','','my-post-26','','','2021-07-09 18:33:25','2021-07-09 18:33:25','',1828,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-26.png',0,'attachment','image/png',0),(1830,1,'2021-07-09 18:37:01','2021-07-09 18:37:01','<!-- wp:image {\"id\":1829,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-26-1024x536.png\" alt=\"\" class=\"wp-image-1829\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0\">What Is Watercraft Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Watercraft insurance is an umbrella term for three types of insurance: boat insurance, yacht insurance, and personal watercraft insurance. It protects against damages to vessels powered by a motor that has horsepower of at least 25 miles per hour (mph). Examples of the types of costs covered by watercraft insurance policies include physical loss or damage to the boat, theft of the boat, and towing.﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Depending on the policy, there may also be watercraft liability coverage for bodily injury to people other than the boat’s owner and family, guest passengers using the boat by themselves, and medical payments for injury to the owner and their family. Some policies, however, require the purchase of additional liability coverage as an add-on. The specific type of insurance you buy is dictated by the size of your vessel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Watercraft insurance is an umbrella term for three types of insurance: boat insurance, yacht insurance, and personal watercraft insurance.</li><li>The type of coverage you buy is dictated by the size of your vessel.</li><li>Although watercraft insurance is not required in many states, many boat owners choose to purchase it anyway.</li><li>Boat-loan providers and marinas often require boat owners to have watercraft insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-7\">How Watercraft Insurance Works?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-8\">Watercraft insurance is similar to other types of insurance products. In exchange for paying a series of insurance premiums, the policyholder receives protection from certain rare but potentially costly risks. Depending on factors such as the size of the craft, its age, and its intended uses, the premium costs may range from relatively inexpensive to pricey. When underwriting a policy, an insurance company will also consider the policyholder’s track record of previous claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-10\">Boat insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-11\">Any vessel under 197 feet long is considered a boat, while ships are 197 feet or longer. The dividing line between boat and yacht is less settled. Some sources define a yacht as at least 30 feet long. Anything shorter is a pleasure boat. For its purposes, the National Boat Owners Association marks the dividing line at 27 feet.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Small craft, such as canoes, rowboats, small sailboats, and powerboats with less than 25 miles-per-hour horsepower may be covered under a standard homeowners or renter’s insurance policy. However, such coverage is unlikely to include liability insurance. Typical boat insurance covers theft; physical damage to the boat itself due to a collision or striking a submerged object; property damage to the boat caused by vandalism, a windstorm, or lightning; and medical payments for injured passengers and the owner and their family. For each coverage there will be different deductibles, which is how much you must pay out of pocket before your insurance kicks in. Boat insurance will often provide better liability insurance than a homeowners policy, but it is often wise to purchase additional liability coverage as an add-on.﻿﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In the event of a total loss, it is important to know whether your policy pays actual cash value (ACV) or agreed value (AV). ACV is cheaper, because it only pays for what the boat was worth at the time of the loss, factoring in depreciation and wear and tear on the vessel. AV pays a price that you and your insurer agree upon in advance, an amount that is likely to be closer to the amount you paid for the boat when new.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Other considerations for boat insurance can include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-19\"><li><strong>Lay-up period</strong>—This covers your boat for property damage during the off-season, when it isn’t in the water.</li><li><strong>Navigational territory</strong>—Your insurance will generally specify where you can go in your boat and still be covered.</li><li><strong>Property damage</strong>—This is for damage your boat inflicts on someone else’s property.</li><li><strong>Hurricane haul-out provisions</strong>—This covers your costs of getting the boat out of harm’s way before a windstorm. </li><li><strong>On-water towing and assistance</strong>—This is for unexpected breakdowns or running aground.</li><li><strong>Fuel spill liability protection</strong>—Should there be an accidental discharge of fuel from your boat, this will cover the costs of a clean-up.</li><li><strong>Personal effects coverage</strong>—This will protect any expensive equipment you have on your boat, such as fishing gear</li><li><strong>Ice and freeze coverage</strong>—Should cold weather damage your boat’s engine and water systems, this will pay the bill.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-21\">Yacht insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most yacht coverage is broader and more specialized than pleasure boat coverage because larger vessels travel farther and are exposed to greater risks. It also generally costs more, in part because yachts cost more. In terms of a deductible, it is usually determined as a percentage of the insured value. With a 1% deductible, a boat insured for $175,000 would have a $1,750 deductible. Most lenders allow a maximum deductible of 2% of the insured value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Generally, yacht insurance coverage does not include wear and tear, gradual deterioration, marine life, marring, denting, scratching, animal damage, osmosis, blistering, electrolysis, manufacturer’s defects, defects in design, and ice and freezing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There are two main parts of a yacht insurance policy: hull insurance and protection and indemnity (P&amp;I). The first is an all-risk, direct damage coverage that includes an AV for hull coverage, and in the case of a total loss it will be paid out in full. Replacement cost coverage on partial losses is also available. However, sails, canvas, batteries, outboards, and sometimes outdrives are usually subject to depreciation instead.6﻿﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>P&amp;I insurance is the broadest of all liability coverages, and because maritime law is particular, you will need coverages that are designed for those exposures. Long shore and harbor workers’ coverage and Jones Act coverage (for the yacht’s crew) are included and are important because your losses in these areas could run into six figures. P&amp;I will cover any judgements against you and also pay for your defense in admiralty courts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-30\">Personal watercraft insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-31\">Personal watercraft insurance is for recreational vehicles such as Jet Skis, Sea-Doos, and Yamaha Wave Runners. These surface-skimming craft can have engines with horsepower anywhere from 60 mph to 310 mph. They usually are not covered by homeowners insurance, and even when they are, the coverage limits are low.﻿</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">Personal watercraft insurance covers the owner and anyone they allow to use the craft for risks such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-35\"><li>Bodily injury to another person</li><li>Bodily injury to you that is caused by an uninsured watercraft operator</li><li>Liability in the form of legal costs if you’re sued due to an accident (which can include water sports liability for things such as water skiing risks)</li><li>Property damage to another watercraft, a boat, or a dock</li><li>Theft</li><li>Towing after an accident</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Deductibles and liability limits will vary depending upon the policy and the company offering it. You can buy additional coverage for trailers and accessories and, if you own more than one craft, you may be able to bundle your insurance policies for a discount. These pleasure vehicles are easy to use but can also be dangerous, causing thousands of injuries every year, which makes personal watercraft insurance a wise investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Watercraft insurance policies may limit the geographic areas in which the boat or watercraft can be operated while maintaining coverage. These often include inland waterways, rivers, and lakes, as well as ocean waters within a certain number of miles from shore.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-41\">Do I Need Watercraft Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Only a few states make it mandatory for boat owners to obtain watercraft insurance. However, many owners will opt to purchase it regardless, partly because doing so is required in order to obtain a boat loan. Marinas may also require owners to have watercraft insurance as a condition within their rental agreements.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Even if your craft isn’t worth much money, obtaining watercraft insurance is a good idea because of the risk of injury on the water, especially from a collision. Even if you aren’t at fault, you could spend a lot of money in legal fees defending yourself—much more than your insurance premiums. If you do decide to purchase this insurance, make a point of comparing policies from multiple companies before deciding on which is best for you. As with all insurance, the question is what price you put on having peace of mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/w/watercraft-insurance.asp\">click here</a>.</p>\n<!-- /wp:paragraph -->','Watercraft Insurance','','inherit','closed','closed','','1828-revision-v1','','','2021-07-09 18:37:01','2021-07-09 18:37:01','',1828,'http://smartinsurance.tips/?p=1830',0,'revision','',0),(1832,1,'2021-07-09 18:45:05','2021-07-09 18:45:05','<!-- wp:paragraph -->\n<p>Mold can create financial headaches for homeowners.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4102,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-3-1024x1024.png\" alt=\"\" class=\"wp-image-4102\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance is designed to cover you against various types of damage, but you may be wondering whether that includes mold. It’s a good question to ask, particularly if you’re purchasing an older home and want to avoid any potentially costly surprises. The answer isn’t always clear-cut. “Generally, standard homeowners insurance policies can cover mold to an extent,” says Sean Harper, CEO and co-founder of Kin, a Chicago-based insurtech startup. “It depends on what caused the mold.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s a look at the most common situations in which mold may—or may not—be covered by homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Mold coverage isn’t guaranteed by your homeowners insurance policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Typically, mold damage is only covered if it’s related to a covered peril.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Mold damage caused by flooding would need to be covered by a separate flood insurance policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Proper preventative measures can help minimize the odds of having to deal with a mold issue.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-6\">Covered Perils and Mold Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance policies spell out a list of “covered perils,” meaning instances of damage to the home for which you’re eligible to file a claim. The main cause of mold formation is water seeping into the structure of your home, so you need to know which water-related covered perils are included in your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, your policy may cover you if mold results from any of the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-11\"><!-- wp:list-item -->\n<li>Water leaks associated with a malfunctioning appliance</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by a burst hot water heater</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by firefighters extinguishing a fire in your home</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">In these instances mold would be “resulting damage” from a covered peril. It’s important to distinguish between resulting damage and initial damage. For example, if your water heater breaks and a leak causes mold to form in the walls, then your policy might pay for the walls to be repaired and the mold to be removed but not for the replacement of the hot water heater.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-15\">It’s important to note that the amount your policy may pay for mold repair and removal might not cover all the resulting damage. “This extent of mold coverage is typically limited—for example, a company may cap mold removal and remediation at $10,000 for a single occurrence,” says Pat Howard. Higher coverage limits may be available, but if you’re unsure about what’s covered, Howard suggests talking to your agent to find out what options you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-19\">Mold Caused by Floods or Acts of Nature</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">In some cases mold can grow as a result of water damage from outside forces. Whether your homeowners insurance covers mold in that instance depends on what caused the damage to begin with.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Mold that’s a result of storm surges, like floodwaters, is usually not covered by standard homeowners insurance,” Harper says. “That’s because standard home insurance policies don’t cover flood damage—you need flood insurance for that.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-24\">If you have a flood insurance policy and your home is flooded due to heavy rains, a hurricane, or another act of nature, then your policy may extend to mold removal and repairs necessitated by flooding. Flood insurance costs on average around $700 per year in addition to your regular homeowners insurance premium, though it may cost more if you live in an area that’s at higher risk for flooding.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">That may be worth the investment, however, if you’re concerned about mold resulting from a flood. According to FEMA, just one inch of water in your home can cause $25,000 in damage. Flood insurance with mold coverage could help mitigate some cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">Mold that results from other acts of nature, such as a hurricane or an ice storm, may be covered under your homeowners insurance policy. For instance, if a hurricane tears your roof off and water gets inside the home, causing mold to grow, you might be able to file a claim for that along with other damages to the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-30\">Mold Resulting From Negligence</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-31\">The third category of mold-related damage is associated with negligence on the part of the homeowner. What this means in simple terms is ignoring home maintenance or repairs to the extent that they allow mold to develop. “Mold typically isn’t covered by your homeowners insurance policy if it forms because of neglect or lack of upkeep,” Howard says. “If you knowingly could have prevented the mold by fixing leaky pipes or using a dehumidifier, your insurer won’t reimburse you for mold removal and remediation.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">Say that you notice the seal around the base of your toilet is leaking water. Instead of replacing the seal or the toilet, you let the leak continue, which causes damage to the sub-flooring. From there, mold sets in and spreads to the baseboards and walls. In that instance, your homeowners insurance policy claim may be denied because you were in a position to prevent the mold from happening.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-35\">How to Avoid Having a Mold Damage Claim Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-36\">There are several things you can do to prevent mold and/or improve the odds of having your claim approved if you incur mold damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">On the prevention side, you can:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-40\"><!-- wp:list-item -->\n<li>nstall dehumidifiers in areas that are prone to dampness</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly check plumbing pipes and fittings to look for leaks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Adequately ventilate bathrooms, laundry rooms, kitchens, and other areas of your home where mold may have an opportunity to grow</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Keep gutters clean to prevent the formation of ice dams in winter, which can lead to leaks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly inspect your roof—and around windows and doors—and caulk cracks that could allow water to leak in</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Properly insulate interior and exterior pipes in winter to avoid breakages or leaks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Routinely check appliances and hot water heaters for signs of leaks</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you have to file a claim for mold damage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-44\"><!-- wp:list-item -->\n<li>Properly document the damage with photos and/or video</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Provide up-to-date maintenance records if you have them</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Follow any and all instructions the insurance company gives you to process the claim</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Contract approved mold removal companies to clean up the damage</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-46\">What to Do if Your Mold Claim Is Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-47\">If your homeowners insurance company denies your mold claim, you may want to get a licensed contractor to offer a second opinion on what caused the damage. You could also attempt to appeal the denial with your insurance company if it has a specified appeals process. If not, your state insurance commissioner may be able to offer help on what you can do to get the claim approved or to file a complaint about denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.investopedia.com/does-homeowners-insurance-cover-mold-4782771\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','publish','closed','closed','','does-homeowners-insurance-cover-mold-2','','','2024-05-25 19:39:55','2024-05-25 19:39:55','',0,'http://smartinsurance.tips/?page_id=1832',0,'page','',0),(1833,1,'2021-07-09 18:41:14','2021-07-09 18:41:14','','My-Post-27','','inherit','open','closed','','my-post-27','','','2021-07-09 18:41:14','2021-07-09 18:41:14','',1832,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-27.png',0,'attachment','image/png',0),(1834,1,'2021-07-09 18:45:05','2021-07-09 18:45:05','<!-- wp:image {\"id\":1833,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-27-1024x536.png\" alt=\"\" class=\"wp-image-1833\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Mold can create financial headaches for homeowners.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance is designed to cover you against various types of damage, but you may be wondering whether that includes mold. It’s a good question to ask, particularly if you’re purchasing an older home and want to avoid any potentially costly surprises. The answer isn’t always clear-cut. “Generally, standard homeowners insurance policies can cover mold to an extent,” says Sean Harper, CEO and co-founder of Kin, a Chicago-based insurtech startup. “It depends on what caused the mold.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s a look at the most common situations in which mold may—or may not—be covered by homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Mold coverage isn’t guaranteed by your homeowners insurance policy.</li><li>Typically, mold damage is only covered if it’s related to a covered peril.</li><li>Mold damage caused by flooding would need to be covered by a separate flood insurance policy.</li><li>Proper preventative measures can help minimize the odds of having to deal with a mold issue.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-6\">Covered Perils and Mold Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance policies spell out a list of “covered perils,” meaning instances of damage to the home for which you’re eligible to file a claim. The main cause of mold formation is water seeping into the structure of your home, so you need to know which water-related covered perils are included in your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, your policy may cover you if mold results from any of the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-11\"><li>Water leaks associated with a malfunctioning appliance</li><li>Water damage caused by a burst hot water heater</li><li>Water damage caused by firefighters extinguishing a fire in your home</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">In these instances mold would be “resulting damage” from a covered peril. It’s important to distinguish between resulting damage and initial damage. For example, if your water heater breaks and a leak causes mold to form in the walls, then your policy might pay for the walls to be repaired and the mold to be removed but not for the replacement of the hot water heater.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-15\">It’s important to note that the amount your policy may pay for mold repair and removal might not cover all the resulting damage. “This extent of mold coverage is typically limited—for example, a company may cap mold removal and remediation at $10,000 for a single occurrence,” says Pat Howard. Higher coverage limits may be available, but if you’re unsure about what’s covered, Howard suggests talking to your agent to find out what options you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-19\">Mold Caused by Floods or Acts of Nature</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">In some cases mold can grow as a result of water damage from outside forces. Whether your homeowners insurance covers mold in that instance depends on what caused the damage to begin with.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Mold that’s a result of storm surges, like floodwaters, is usually not covered by standard homeowners insurance,” Harper says. “That’s because standard home insurance policies don’t cover flood damage—you need flood insurance for that.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-24\">If you have a flood insurance policy and your home is flooded due to heavy rains, a hurricane, or another act of nature, then your policy may extend to mold removal and repairs necessitated by flooding. Flood insurance costs on average around $700 per year in addition to your regular homeowners insurance premium, though it may cost more if you live in an area that’s at higher risk for flooding.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">That may be worth the investment, however, if you’re concerned about mold resulting from a flood. According to FEMA, just one inch of water in your home can cause $25,000 in damage. Flood insurance with mold coverage could help mitigate some cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">Mold that results from other acts of nature, such as a hurricane or an ice storm, may be covered under your homeowners insurance policy. For instance, if a hurricane tears your roof off and water gets inside the home, causing mold to grow, you might be able to file a claim for that along with other damages to the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-30\">Mold Resulting From Negligence</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-31\">The third category of mold-related damage is associated with negligence on the part of the homeowner. What this means in simple terms is ignoring home maintenance or repairs to the extent that they allow mold to develop. “Mold typically isn’t covered by your homeowners insurance policy if it forms because of neglect or lack of upkeep,” Howard says. “If you knowingly could have prevented the mold by fixing leaky pipes or using a dehumidifier, your insurer won’t reimburse you for mold removal and remediation.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">Say that you notice the seal around the base of your toilet is leaking water. Instead of replacing the seal or the toilet, you let the leak continue, which causes damage to the sub-flooring. From there, mold sets in and spreads to the baseboards and walls. In that instance, your homeowners insurance policy claim may be denied because you were in a position to prevent the mold from happening.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-35\">How to Avoid Having a Mold Damage Claim Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-36\">There are several things you can do to prevent mold and/or improve the odds of having your claim approved if you incur mold damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">On the prevention side, you can:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-40\"><li>nstall dehumidifiers in areas that are prone to dampness</li><li>Regularly check plumbing pipes and fittings to look for leaks</li><li>Adequately ventilate bathrooms, laundry rooms, kitchens, and other areas of your home where mold may have an opportunity to grow</li><li>Keep gutters clean to prevent the formation of ice dams in winter, which can lead to leaks</li><li>Regularly inspect your roof—and around windows and doors—and caulk cracks that could allow water to leak in</li><li>Properly insulate interior and exterior pipes in winter to avoid breakages or leaks</li><li>Routinely check appliances and hot water heaters for signs of leaks</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you have to file a claim for mold damage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-44\"><li>Properly document the damage with photos and/or video</li><li>Provide up-to-date maintenance records if you have them</li><li>Follow any and all instructions the insurance company gives you to process the claim</li><li>Contract approved mold removal companies to clean up the damage</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-46\">What to Do if Your Mold Claim Is Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-47\">If your homeowners insurance company denies your mold claim, you may want to get a licensed contractor to offer a second opinion on what caused the damage. You could also attempt to appeal the denial with your insurance company if it has a specified appeals process. If not, your state insurance commissioner may be able to offer help on what you can do to get the claim approved or to file a complaint about denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/does-homeowners-insurance-cover-mold-4782771\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','inherit','closed','closed','','1832-revision-v1','','','2021-07-09 18:45:05','2021-07-09 18:45:05','',1832,'http://smartinsurance.tips/?p=1834',0,'revision','',0),(1841,1,'2021-08-09 23:36:50','2021-08-09 23:36:50','<!-- wp:divi/placeholder /-->','The 5 Best Ways To Invest Small Amounts Of Money','','inherit','closed','closed','','1840-revision-v1','','','2021-08-09 23:36:50','2021-08-09 23:36:50','',1840,'http://smartinsurance.tips/?p=1841',0,'revision','',0),(1836,1,'2021-07-09 18:51:33','2021-07-09 18:51:33','<!-- wp:image {\"id\":1837,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-28-1024x536.png\" alt=\"\" class=\"wp-image-1837\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Slips and falls are a frequent cause of injuries sustained by employees and customers of small businesses. Such injuries are a leading cause of workers compensation and general liability claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-3\">Costs of Slips and Falls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">Slips and falls can occur in your office, at your manufacturing plant, at a job site, in customer areas, or virtually anywhere else you conduct business. The victim may be an employee, a customer, or another third party. No matter where they occur, slips and falls are bad for business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-8\">Slip-and-fall accidents disrupt your operations and reduce productivity. When a worker or customer falls, your employees must stop what they are doing to attend to the victim. Employees may need to summon medical help and wait for it to arrive. Those who witnessed the accident or attended to the victim may be distracted for hours or days afterward. News of a slip-and-fall injury can damage your company\'s reputation. People who hear about the accident may assume that you run an unsafe operation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Warning: Slips and falls cause injuries, distress workers, disrupt your business, and can generate costly claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Slip-and-fall incidents can be expensive. Employees injured in a fall may require weeks or months to recover. Such workers may generate substantial claims under your workers compensation policy for medical treatment and disability. Your business may also incur costs to hire and train a replacement worker to fill in until the injured employee returns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Customers and other individuals involved in slip-and-fall accidents on your property may file tort claims against your business for bodily injury. While such claims will likely be covered by your general liability insurance, they may cause your premium to rise when your policy renews.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many workers compensation policies are subject to experience rating. While any claim may affect your future premiums, numerous small claims are more likely to result in a premium increase than one large claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-21\">Causes of Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">OSHA cites numerous workplace hazards that can trigger slips, trips, and falls. Some of these are listed below. These hazards can cause injuries to third parties as well as employees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-26\"><li><strong>Slippery Floors.</strong> Many floors become slippery due to spills. Spills may involve liquids such as water, coffee or oil, or dry substances like sand and powders. Either can make floors slippery by reducing traction underfoot. Floors may also be made slippery by waxing or polishing.</li><li><strong>Bumpy, Lumpy or Loose Surfaces. </strong>Floors, parking areas, and other walking areas can have small obstructions that can lead to trips and falls. Examples are frayed carpets, a buckled wood floor, a concrete parking block, and a speed bump. Loose, uneven surfaces can also cause accidents. For instance, gravel, floor mats, and area rugs can move underfoot, triggering a fall.</li><li><strong>Poor Housekeeping.</strong> A messy store, office, warehouse or other workspace is an accident waiting to happen. Common trip-and-fall hazards include loose electrical cords or cables, cluttered work areas, items stored on floors, and overflowing trash cans.</li><li><strong>Poor Design.</strong> Some trip and fall injuries result from design problems. Examples are stairs with no handrails, bad lighting, lack of signage, and poor traffic flow.</li><li><strong>Improper Footwear</strong>. Without non-slip footwear, employees who work on uneven surfaces or in areas that are wet, icy, snowy or greasy are prone to falls.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-28\">Learn How to Identify Risks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Many of the risks that lead to slip and fall accidents can be reduced or eliminated. Once you have identified the hazards that exist at your workplace, you can formulate a plan to mitigate them. Here are some sources of information about slip-and-fall risks:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-35\"><li><strong>Your Insurers.</strong>&nbsp;Many liability and&nbsp;<a href=\"https://www.thebalancesmb.com/largest-workers-compensation-insurers-462787\">workers compensation insurers</a>&nbsp;offer educational materials that can help you prevent trip-and-fall claims.</li><li><strong>Your Insurance Agent or Broker</strong>. Your&nbsp;<a href=\"https://www.thebalancesmb.com/agents-versus-brokers-and-how-they-make-money-462383\">agent or broker</a>&nbsp;may have useful information or know where to find it.</li><li><strong>Government Agencies</strong>. Two excellent sources of information about preventing workplace slips and falls are&nbsp;<a href=\"https://www.osha.gov/SLTC/fallprotection/\" target=\"_blank\" rel=\"noreferrer noopener\">OSHA</a>&nbsp;and&nbsp;<a href=\"https://www.cdc.gov/niosh/topics/falls/pubs.html\" target=\"_blank\" rel=\"noreferrer noopener\">NIOSH</a>&nbsp;(a division of the CDC). Both have websites from which you can download information. Some states (such as California) have their own occupational and safety agency that may offer useful information.</li><li><strong>Safety Publications.&nbsp;</strong>You can also find practical advice on reducing slip-and-fall accidents from safety publications like&nbsp;<a href=\"https://www.safetyandhealthmagazine.com/articles/14029-preventing-slips-trips-and-falls\" rel=\"noreferrer noopener\" target=\"_blank\"><em>Safety and Health,&nbsp;</em></a>&nbsp;<a href=\"http://www.rmmagazine.com/2018/05/01/preventing-slip-and-fall-accidents-in-the-workplace/\" rel=\"noreferrer noopener\" target=\"_blank\"><em>Risk Management</em></a>&nbsp;and&nbsp;<a href=\"https://www.ehstoday.com/safety/six-ways-mats-create-safe-slip-free-work-environments\" rel=\"noreferrer noopener\" target=\"_blank\"><em>EHS Today</em>.</a></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Note: Many slip-and-fall hazards are relatively easy to control once you know what they are.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-37\">An Ongoing Task</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-39\">Preventing trips and falls is an ongoing task. You\'ll need to inspect your workspace for hazards regularly. Add routine inspections to your calendar, so you don\'t forget to do them. A checklist can help you remember what hazards to look for. You can ask your insurer for a list or look for one online. You\'ll need to adapt the checklist to make it specific to your business. Be sure to keep it up-to-date. For instance, if you move your business to a different building, you will need to revise your checklist or draft a new one.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancesmb.com/preventing-slip-and-fall-claims-462626\">click here</a>.</p>\n<!-- /wp:paragraph -->','Preventing Slip and Fall Claims','','publish','closed','closed','','preventing-slip-and-fall-claims','','','2021-07-09 18:51:34','2021-07-09 18:51:34','',0,'http://smartinsurance.tips/?page_id=1836',0,'page','',0),(1837,1,'2021-07-09 18:47:49','2021-07-09 18:47:49','','My-Post-28','','inherit','open','closed','','my-post-28','','','2021-07-09 18:47:49','2021-07-09 18:47:49','',1836,'http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-28.png',0,'attachment','image/png',0),(1838,1,'2021-07-09 18:51:33','2021-07-09 18:51:33','<!-- wp:image {\"id\":1837,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/07/My-Post-28-1024x536.png\" alt=\"\" class=\"wp-image-1837\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Slips and falls are a frequent cause of injuries sustained by employees and customers of small businesses. Such injuries are a leading cause of workers compensation and general liability claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-3\">Costs of Slips and Falls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">Slips and falls can occur in your office, at your manufacturing plant, at a job site, in customer areas, or virtually anywhere else you conduct business. The victim may be an employee, a customer, or another third party. No matter where they occur, slips and falls are bad for business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-8\">Slip-and-fall accidents disrupt your operations and reduce productivity. When a worker or customer falls, your employees must stop what they are doing to attend to the victim. Employees may need to summon medical help and wait for it to arrive. Those who witnessed the accident or attended to the victim may be distracted for hours or days afterward. News of a slip-and-fall injury can damage your company\'s reputation. People who hear about the accident may assume that you run an unsafe operation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Warning: Slips and falls cause injuries, distress workers, disrupt your business, and can generate costly claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Slip-and-fall incidents can be expensive. Employees injured in a fall may require weeks or months to recover. Such workers may generate substantial claims under your workers compensation policy for medical treatment and disability. Your business may also incur costs to hire and train a replacement worker to fill in until the injured employee returns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Customers and other individuals involved in slip-and-fall accidents on your property may file tort claims against your business for bodily injury. While such claims will likely be covered by your general liability insurance, they may cause your premium to rise when your policy renews.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many workers compensation policies are subject to experience rating. While any claim may affect your future premiums, numerous small claims are more likely to result in a premium increase than one large claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-21\">Causes of Accidents</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">OSHA cites numerous workplace hazards that can trigger slips, trips, and falls. Some of these are listed below. These hazards can cause injuries to third parties as well as employees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-26\"><li><strong>Slippery Floors.</strong> Many floors become slippery due to spills. Spills may involve liquids such as water, coffee or oil, or dry substances like sand and powders. Either can make floors slippery by reducing traction underfoot. Floors may also be made slippery by waxing or polishing.</li><li><strong>Bumpy, Lumpy or Loose Surfaces. </strong>Floors, parking areas, and other walking areas can have small obstructions that can lead to trips and falls. Examples are frayed carpets, a buckled wood floor, a concrete parking block, and a speed bump. Loose, uneven surfaces can also cause accidents. For instance, gravel, floor mats, and area rugs can move underfoot, triggering a fall.</li><li><strong>Poor Housekeeping.</strong> A messy store, office, warehouse or other workspace is an accident waiting to happen. Common trip-and-fall hazards include loose electrical cords or cables, cluttered work areas, items stored on floors, and overflowing trash cans.</li><li><strong>Poor Design.</strong> Some trip and fall injuries result from design problems. Examples are stairs with no handrails, bad lighting, lack of signage, and poor traffic flow.</li><li><strong>Improper Footwear</strong>. Without non-slip footwear, employees who work on uneven surfaces or in areas that are wet, icy, snowy or greasy are prone to falls.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-28\">Learn How to Identify Risks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Many of the risks that lead to slip and fall accidents can be reduced or eliminated. Once you have identified the hazards that exist at your workplace, you can formulate a plan to mitigate them. Here are some sources of information about slip-and-fall risks:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-35\"><li><strong>Your Insurers.</strong>&nbsp;Many liability and&nbsp;<a href=\"https://www.thebalancesmb.com/largest-workers-compensation-insurers-462787\">workers compensation insurers</a>&nbsp;offer educational materials that can help you prevent trip-and-fall claims.</li><li><strong>Your Insurance Agent or Broker</strong>. Your&nbsp;<a href=\"https://www.thebalancesmb.com/agents-versus-brokers-and-how-they-make-money-462383\">agent or broker</a>&nbsp;may have useful information or know where to find it.</li><li><strong>Government Agencies</strong>. Two excellent sources of information about preventing workplace slips and falls are&nbsp;<a href=\"https://www.osha.gov/SLTC/fallprotection/\" target=\"_blank\" rel=\"noreferrer noopener\">OSHA</a>&nbsp;and&nbsp;<a href=\"https://www.cdc.gov/niosh/topics/falls/pubs.html\" target=\"_blank\" rel=\"noreferrer noopener\">NIOSH</a>&nbsp;(a division of the CDC). Both have websites from which you can download information. Some states (such as California) have their own occupational and safety agency that may offer useful information.</li><li><strong>Safety Publications.&nbsp;</strong>You can also find practical advice on reducing slip-and-fall accidents from safety publications like&nbsp;<a href=\"https://www.safetyandhealthmagazine.com/articles/14029-preventing-slips-trips-and-falls\" rel=\"noreferrer noopener\" target=\"_blank\"><em>Safety and Health,&nbsp;</em></a>&nbsp;<a href=\"http://www.rmmagazine.com/2018/05/01/preventing-slip-and-fall-accidents-in-the-workplace/\" rel=\"noreferrer noopener\" target=\"_blank\"><em>Risk Management</em></a>&nbsp;and&nbsp;<a href=\"https://www.ehstoday.com/safety/six-ways-mats-create-safe-slip-free-work-environments\" rel=\"noreferrer noopener\" target=\"_blank\"><em>EHS Today</em>.</a></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Note: Many slip-and-fall hazards are relatively easy to control once you know what they are.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-37\">An Ongoing Task</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-39\">Preventing trips and falls is an ongoing task. You\'ll need to inspect your workspace for hazards regularly. Add routine inspections to your calendar, so you don\'t forget to do them. A checklist can help you remember what hazards to look for. You can ask your insurer for a list or look for one online. You\'ll need to adapt the checklist to make it specific to your business. Be sure to keep it up-to-date. For instance, if you move your business to a different building, you will need to revise your checklist or draft a new one.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancesmb.com/preventing-slip-and-fall-claims-462626\">click here</a>.</p>\n<!-- /wp:paragraph -->','Preventing Slip and Fall Claims','','inherit','closed','closed','','1836-revision-v1','','','2021-07-09 18:51:33','2021-07-09 18:51:33','',1836,'http://smartinsurance.tips/?p=1838',0,'revision','',0),(1845,1,'2021-08-10 00:38:09','2021-08-10 00:38:09','<!-- wp:image {\"id\":1848,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-4-1024x536.png\" alt=\"\" class=\"wp-image-1848\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Beyond giving you the ability to finance purchases, most credit cards come with a whole host of other benefits. Unfortunately, many consumers don’t fully understand the benefits being offered, which can cause them to leave value behind. With that in mind, below is an explanation of five common credit card benefits. Read them over so that you can get a better idea of what might be available to you, courtesy of your credit card issuer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Extended warranty protection</strong><br>The first and most widely available benefit is extended warranty protection. This benefit matches and extends the manufacturer’s warranty on eligible purchases, Essentially, the extended warranty from your credit card issuer will take the place of the manufacturer’s warranty once it ends and matches its terms for a set period of time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you do have to make a claim under extended warranty protection, be aware that every issuer’s warranty comes with its own terms and conditions, of which you should make yourself aware. In general, these warranties come with a deductible that you will have to pay before any fixes are made, and you must have purchased the item with that particular credit card in order for it to be deemed eligible for protection coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Return protection</strong><br>These days, not all credit card issuers offer return protection. However, if you can find an issuer who offers it, this reward can certainly help you save. As the name suggests, it has to do with extending the return timeframe on eligible purchases. In some cases, this protection will also help you receive reimbursement for the item you no longer want, even if returns are not allowed by the retailer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Again, each credit card issuer will have its own set of guidelines surrounding this benefit, typically you will be asked to provide proof that the item you’re returning was purchased with the card in question. Additionally, there may be specific limits on how much the credit card company is willing to reimburse you for each purchase and during the calendar year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Purchase protection</strong><br>While the phrase “purchase protection” may sound similar to some benefits that have already been covered, it pertains to helping you replace items that may have been stolen, damaged, or lost during the delivery process. In some instances, your credit card issuer will work with the retailer to have another delivery sent to you. In others, they will simply reimburse you for the item that was affected in transit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Like the other benefits on this list, you will need to file a claim with your credit card issuer in order to access this form of liability protection. However, you may also have to provide additional paperwork, such as proof that you purchased the item using their card and photographs showing any damage to the item.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Cell phone protection</strong><br>Cell phone protection, also known as cell phone insurance, is another widely-offered benefit among credit card issuers. As you might be able to guess, this benefit can be put toward helping you purchase a new phone in the event that yours is damaged or stolen. It can often lower your final bill by hundreds of dollars, which makes it a particularly valuable perk to have at your disposal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In order to access this benefit, you typically have to have a history of paying your monthly cell phone bill on the credit card. In some cases, you may have to provide proof that you are current with your payments. Depending on your card issuer, you may also be subject to certain limits on the amount of reimbursement that you are eligible to receive per each claim or in total during a particular calendar year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Price protection</strong><br>Lastly, there is price protection. Under the price protection benefit, your credit card issuer agrees to issue you a refund for the difference in price if an item that you recently purchased is advertised at a lower price point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Typically, the way it works is that you’ll submit a claim along with your receipt for the purchase. Then, the issuer scans the internet looking for the advertised price of the item. If a difference is found between what you paid and what’s being advertised, you’ll receive a statement credit or a check in the mail for the difference within a few business days.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>The bottom line</strong><br>While none of these credit card benefits should be the main reason behind your choice to open a particular card, it’s important to know that they do exist. When you’re shopping around for a new card, you should evaluate the offered benefits along with its interest rate, fee structure, and any advertised promotions like 0% APR or no-fee balance transfers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Additionally, be aware that these perks are usually offered to those customers who have a decent credit history and a good or excellent credit score. It’s most common to see these benefits offered on cards that come with annual fees, so it’s important to make sure that any benefits you receive from the car will outweigh that cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/credit-card-benefits-you-probably-dont-know-about\">click here</a>.</p>\n<!-- /wp:paragraph -->','5 credit card benefits you probably have but don’t know about','','publish','open','open','','5-credit-card-benefits-you-probably-have-but-dont-know-about','','','2021-08-27 21:57:43','2021-08-27 21:57:43','',0,'http://smartinsurance.tips/?p=1845',0,'post','',0),(1846,1,'2021-08-10 00:38:09','2021-08-10 00:38:09','<!-- wp:divi/placeholder /-->','5 credit card benefits you probably have but don’t know about','','inherit','closed','closed','','1845-revision-v1','','','2021-08-10 00:38:09','2021-08-10 00:38:09','',1845,'http://smartinsurance.tips/?p=1846',0,'revision','',0),(1848,1,'2021-08-10 00:39:25','2021-08-10 00:39:25','','My-Post-4','','inherit','open','closed','','my-post-4-2','','','2021-08-10 00:39:25','2021-08-10 00:39:25','',1845,'http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-4.png',0,'attachment','image/png',0),(1844,1,'2021-08-09 23:43:02','2021-08-09 23:43:02','<!-- wp:image {\"id\":1843,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-3-1024x536.png\" alt=\"\" class=\"wp-image-1843\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>You may have heard the rumour that you can only be an investor if you’ve got six figures in the bank.&nbsp;But that’s a total myth.&nbsp;Everyone can find some way to invest their cash and start to grow their wealth.We’ll look at some of the simplest ways to invest under $1,000, whether you’re looking to make your stock market investment debut or want to build up your rainy-day fund.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>The Small Investment Boom</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Small investments are growing&nbsp;<em>massively</em>&nbsp;in popularity.&nbsp;As a global population, we have more access to tools like share-trading apps than ever before:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>The BBC highlights how investment app accounts have grown by 130% between 2020 and 2021.</li><li>With a lack of consumer spending opportunities during the pandemic, millions of people have had extra funds to invest with.</li><li>Younger men and women are far more conscious of their financial futures, looking for ways to prepare for retirement in their 20s, especially after many suffered reductions in their hours during lockdown.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Financial security is the golden ticket to a life well-lived, so it’s beneficial that so many people are choosing to be proactive with their cash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Making Smart Investments With Under $1,000</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Before discussing our top five investments, we must mention the need to balance out your risk exposure. If you’re looking for an all or nothing, double or bust investment, you’re taking on a considerable burden of risk – with no assurance of winning big. Lower risk means lower rewards, but has the benefit of reduced exposure to sudden market crashes or devaluations. Services like a high yield savings account are an excellent choice for investors who aren’t interested in exposing themselves to risk and aren’t reliant on massive returns to finance their everyday living costs. Whether you like high-risk or low-risk investments, you can get in on the action without losing your life savings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Five Top Options For Small Investment Values&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Now onto the good stuff, here are our top picks for investments that don’t require large amounts of money but offer exciting returns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>1. High-Yield Savings Accounts</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>First up, the savings account – an investment option where you can earn up to about 1.7% in interest without putting your money on the line.&nbsp;If you’re not getting close to those returns (and you won’t with most conventional banks), you’ve got an easy opportunity to increase your savings.&nbsp;High-yield accounts allow you to safely grow your savings, often with a rate that beats inflation, so you don’t have to worry about your money depreciating over time.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>2. Employer Retirement Plans/401(k)</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>We get it – a retirement fund isn’t the sexiest investment option, but it’s got a stack of compelling advantages.&nbsp;If we recommended an investment with a guaranteed $0.50 return on every dollar you pay in, you’d jump at the chance.&nbsp;That’s what you’re looking at with a 401(k) or comparable employer-sponsored retirement plan.&nbsp;You don’t need to be a high-flyer to invest and can kick off with just 1% of your regular paycheck.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>3. Low-Fee Index Funds</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Next up, let’s look at index funds.&nbsp;An index fund is made up of multiple different companies and tracks the market index, so it’s a bit like a mutual fund but automated.&nbsp;This passive investment doesn’t carry huge fees (although look at the charges before making any decisions!), and you can often invest with as little as $100 for your initial deposit.&nbsp;Index funds can be built up of companies within a specific region, such as a US based fund, different market sectors, like IT and Healthcare, or even emerging markets, which often see more fluctuations in their value, but carry the potential for large returns.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>4. Investment Apps</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>&nbsp;If you’re new to investing, you can choose an investment app.&nbsp;These tend to use AI to either make Robo-investments or ask you to select from a range of products.&nbsp;There are lots of options:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Some will link with your debit and credit accounts and round up spending to create a balance that’s auto invested in a range of exchange-traded funds (ETFs).</li><li>Others work like an investment coach, showing you options to build a portfolio of stocks and ETFs, usually with a $5 minimum stock investment.&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>However, there’s a slight caveat here because not all investment apps are created equal.&nbsp;Keep an eye on the fee structure here because they vary a lot.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>5. Individual Retirement Accounts (IRAs)</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>An IRA is often worth maxing out before thinking about an investment app. There are a host of perks here that usually outperform other options. You can open an IRA with a bank, and can often link it to your checking or savings account, but you can also open one through a broker or via a Robo-advisor. IRAs allow you to invest in both stocks, bonds, mutual funds, and some even now allow cryptocurrencies. There are annual caps to how much you can invest into your IRA (up to $6,000), and you can’t withdraw your cash before the age of 59 without facing some financial penalties, barring a few exceptions. However, contributions are tax-deductible, so it’s an efficient way to save for retirement if you only have a small amount to invest now, but know that you’ll be adding to it monthly for years to come.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Final Thoughts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>No matter where you are with your finances, you can find a way to invest your money, and these five options are a great place to start. Long term financial health is often less about how much money you make, and more about what you do with your money on a regular basis. Never forget the power of compound interest, especially over the long run.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','The 5 Best Ways To Invest Small Amounts Of Money','','inherit','closed','closed','','1840-revision-v1','','','2021-08-09 23:43:02','2021-08-09 23:43:02','',1840,'http://smartinsurance.tips/?p=1844',0,'revision','',0),(1849,1,'2021-08-10 00:41:36','2021-08-10 00:41:36','<!-- wp:image {\"id\":1848,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-4-1024x536.png\" alt=\"\" class=\"wp-image-1848\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Beyond giving you the ability to finance purchases, most credit cards come with a whole host of other benefits. Unfortunately, many consumers don’t fully understand the benefits being offered, which can cause them to leave value behind. With that in mind, below is an explanation of five common credit card benefits. Read them over so that you can get a better idea of what might be available to you, courtesy of your credit card issuer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Extended warranty protection</strong><br>The first and most widely available benefit is extended warranty protection. This benefit matches and extends the manufacturer’s warranty on eligible purchases, Essentially, the extended warranty from your credit card issuer will take the place of the manufacturer’s warranty once it ends and matches its terms for a set period of time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you do have to make a claim under extended warranty protection, be aware that every issuer’s warranty comes with its own terms and conditions, of which you should make yourself aware. In general, these warranties come with a deductible that you will have to pay before any fixes are made, and you must have purchased the item with that particular credit card in order for it to be deemed eligible for protection coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Return protection</strong><br>These days, not all credit card issuers offer return protection. However, if you can find an issuer who offers it, this reward can certainly help you save. As the name suggests, it has to do with extending the return timeframe on eligible purchases. In some cases, this protection will also help you receive reimbursement for the item you no longer want, even if returns are not allowed by the retailer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Again, each credit card issuer will have its own set of guidelines surrounding this benefit, typically you will be asked to provide proof that the item you’re returning was purchased with the card in question. Additionally, there may be specific limits on how much the credit card company is willing to reimburse you for each purchase and during the calendar year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Purchase protection</strong><br>While the phrase “purchase protection” may sound similar to some benefits that have already been covered, it pertains to helping you replace items that may have been stolen, damaged, or lost during the delivery process. In some instances, your credit card issuer will work with the retailer to have another delivery sent to you. In others, they will simply reimburse you for the item that was affected in transit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Like the other benefits on this list, you will need to file a claim with your credit card issuer in order to access this form of liability protection. However, you may also have to provide additional paperwork, such as proof that you purchased the item using their card and photographs showing any damage to the item.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Cell phone protection</strong><br>Cell phone protection, also known as cell phone insurance, is another widely-offered benefit among credit card issuers. As you might be able to guess, this benefit can be put toward helping you purchase a new phone in the event that yours is damaged or stolen. It can often lower your final bill by hundreds of dollars, which makes it a particularly valuable perk to have at your disposal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In order to access this benefit, you typically have to have a history of paying your monthly cell phone bill on the credit card. In some cases, you may have to provide proof that you are current with your payments. Depending on your card issuer, you may also be subject to certain limits on the amount of reimbursement that you are eligible to receive per each claim or in total during a particular calendar year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Price protection</strong><br>Lastly, there is price protection. Under the price protection benefit, your credit card issuer agrees to issue you a refund for the difference in price if an item that you recently purchased is advertised at a lower price point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Typically, the way it works is that you’ll submit a claim along with your receipt for the purchase. Then, the issuer scans the internet looking for the advertised price of the item. If a difference is found between what you paid and what’s being advertised, you’ll receive a statement credit or a check in the mail for the difference within a few business days.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>The bottom line</strong><br>While none of these credit card benefits should be the main reason behind your choice to open a particular card, it’s important to know that they do exist. When you’re shopping around for a new card, you should evaluate the offered benefits along with its interest rate, fee structure, and any advertised promotions like 0% APR or no-fee balance transfers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Additionally, be aware that these perks are usually offered to those customers who have a decent credit history and a good or excellent credit score. It’s most common to see these benefits offered on cards that come with annual fees, so it’s important to make sure that any benefits you receive from the car will outweigh that cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','5 credit card benefits you probably have but don’t know about','','inherit','closed','closed','','1845-revision-v1','','','2021-08-10 00:41:36','2021-08-10 00:41:36','',1845,'http://smartinsurance.tips/?p=1849',0,'revision','',0),(1856,1,'2021-08-10 00:54:36','2021-08-10 00:54:36','<!-- wp:divi/placeholder /-->','The 6 Burnout Triggers','','inherit','closed','closed','','1855-revision-v1','','','2021-08-10 00:54:36','2021-08-10 00:54:36','',1855,'http://smartinsurance.tips/?p=1856',0,'revision','',0),(1857,1,'2021-08-10 00:55:16','2021-08-10 00:55:16','','My-Post-7','','inherit','open','closed','','my-post-7-4','','','2021-08-10 00:55:16','2021-08-10 00:55:16','',1855,'http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-7.png',0,'attachment','image/png',0),(1858,1,'2021-08-10 00:55:24','2021-08-10 00:55:24','<!-- wp:image {\"id\":1857,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-7-1024x536.png\" alt=\"\" class=\"wp-image-1857\"/></figure>\n<!-- /wp:image -->','The 6 Burnout Triggers','','inherit','closed','closed','','1855-autosave-v1','','','2021-08-10 00:55:24','2021-08-10 00:55:24','',1855,'http://smartinsurance.tips/?p=1858',0,'revision','',0),(1859,1,'2021-08-10 01:08:40','2021-08-10 01:08:40','<!-- wp:image {\"id\":1861,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-10-1024x536.png\" alt=\"\" class=\"wp-image-1861\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:heading -->\n<h2>Small-business profitability by the numbers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A U.S. Bank study found that 82 percent of businesses that failed did so because of problems with cash flow, and it\'s easy to see why. Only 40 percent of small businesses are profitable, and 30 percent lose money on a continual basis. The remaining 30 percent break even, so they\'re not turning a profit either.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Business owners who aren\'t turning a profit can find ways to turn things around. At first, it may seem like the only way to increase profits is to raise prices, but it\'s not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Lessons on profitability from Apple</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Before discussing practical strategies to increase small-business profitability, it\'s a good idea to look at other profitable businesses to see how they increase their profit margins.&nbsp;Perhaps the epitome of profitable businesses is Apple.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Apple took the&nbsp;important step of increasing&nbsp;the ARPU by selling more expensive models. The iPhone X was the company\'s first $1,000 model, and after it was released, the company saw its profits rise 40 percent&nbsp;year over year, thanks to the increased average selling price of $724.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Strategies for boosting small-business profitability</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In the case of newer businesses, raising prices may not be the correct first step to raise profitability because they haven\'t built a reputation yet. However, if prices are much lower than the competition\'s prices, an increase may be necessary.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are nine other strategies for boosting small-business profitability.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>1. Find more customers&nbsp;</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Aside from raising prices, the other obvious option to increase small-business profitability is to find more customers. Business owners can do this through a variety of marketing channels.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Advertising is the most obvious marketing channel, and it can take the form of digital, TV and radio, and other print ads. Information marketing is another option. It includes publishing articles online, often targeting keywords that relate to the business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>2. Gather more leads and market to them</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Marketing and advertising are just one step in the process of getting new customers. The other part of the process is collecting contact information and reaching out to prospective customers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many small-business owners don\'t take nearly enough time to follow up on leads. However, this can be one of the greatest areas of waste in any business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The average salesperson only follows up with prospects two times, but half of all sales happen after the fifth contact.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Getting leads often costs money, so marketing dollars are wasted by not following up on the leads that were gathered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>3. Increase the average size of orders&nbsp;</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Customers who already spend money at the business could be convinced to spend even more money there. Thus, current customers are one of the best sources of additional business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Business owners should cross-promote other products or services they sell to increase their average ticket size. Upselling clients more expensive products or services is another way to increase ticket size.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The key is to explain why customers might want to buy the more expensive product and how it will make things better or easier for them than the less expensive model.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>4. Add new products or services&nbsp;</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Offering products or services that are adjacent to what the business already sells is an easy way to increase the size of orders and attract more customers. Business owners can ask current customers what types of products or services they would like to see to learn where they can get the most value for their investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It\'s also important to research the market before diving into any new product or service.&nbsp;One important question to ask when adding new products or services is what kind of margins they will offer. Higher-margin businesses like services offer significant profits with less overhead.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>5. Cut expenses&nbsp;</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Profitability is measured by gross and net margins, especially net margins. Reducing expenses will increase the net margin as the business owner spends less on operations, increasing profits in the process.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Cutting expenses may include switching to a less expensive supplier, spending less on supplies&nbsp;or reducing staff or staff hours. Laying off staff members is one of the most difficult aspects of business, but it can be necessary.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Business owners should calculate their productivity ratio by adding their total payroll and payroll-related expenses, then divide the result by the number of sales they bring in. If the productivity ratio is greater than 100 percent, it may be time to start looking at staff cutbacks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>6. Look at line items for more clues</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It may not be obvious where expenses can be reduced, so it becomes necessary to break down the budget by line item, looking at each product or service and the expenses involved in selling them. Not every product or service might be profitable, so examining each one individually can enable business owners to root out the ones that are running at a loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Analyzing each line item in the budget enables business owners to see exactly where their money is going and how much it costs to do business for every section of the business. Some segments may simply be more trouble than they are worth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>7. Do more with less&nbsp;</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Business owners should also consider how efficiently their operations are running. When considering the expenses associated with each product or service, it\'s also important to look at which products or services bring in the most revenue.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It makes more sense to spend more money in areas that are bringing in more revenue than others. Business owners may even want to consider cutting products or services that are expensive to maintain but don\'t bring in much revenue.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Any products or services that are cut can then be replaced with ones that can capture significant amounts of revenue with fewer resources or capital being allocated to them. The focus should be on high-margin products and services whenever possible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>8. Monitor inventory levels&nbsp;</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Storing products costs money, which means inventory storage can be a sneaky expense that takes up more money than noticed initially. Businesses shouldn\'t be spending money to store items that never sell, so it\'s important to monitor inventory levels continually.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Inventory-management software offers an excellent way to stay on top of which items are selling and which aren\'t. The software makes it easy to keep products that sell well in stock while getting rid of products that don\'t sell and merely take up shelf space in the warehouse.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>9. Look for ways to increase your return on investment&nbsp;</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>How much is being spent to get sales? There are many ways to market a business, but not every marketing method works well for every type of business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Business owners should evaluate each marketing method they are using to see which are paying off the best. It might be time to eliminate one or two marketing outlets to focus more on the top one or two that give you the greatest ROI on invested ad dollars.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It\'s always important to conduct regular audits of the business, even when it isn\'t struggling to turn a profit. Staying on top of where the business stands will enable&nbsp;owners to head off profitability issues before they become something that puts them out of business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.entrepreneur.com/article/373451\">click here.</a></p>\n<!-- /wp:paragraph -->','9 Strategies to Boost Small-Business Profitability','','publish','open','open','','9-strategies-to-boost-small-business-profitability','','','2021-08-27 21:59:26','2021-08-27 21:59:26','',0,'http://smartinsurance.tips/?p=1859',0,'post','',0),(1860,1,'2021-08-10 01:08:40','2021-08-10 01:08:40','<!-- wp:divi/placeholder /-->','9 Strategies to Boost Small-Business Profitability','','inherit','closed','closed','','1859-revision-v1','','','2021-08-10 01:08:40','2021-08-10 01:08:40','',1859,'http://smartinsurance.tips/?p=1860',0,'revision','',0),(1861,1,'2021-08-10 01:09:36','2021-08-10 01:09:36','','My-Post-10','','inherit','open','closed','','my-post-10-5','','','2021-08-10 01:09:36','2021-08-10 01:09:36','',1859,'http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-10.png',0,'attachment','image/png',0),(1864,1,'2021-08-10 17:11:53','2021-08-10 17:11:53','<!-- wp:image {\"id\":1867,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-12-1024x536.png\" alt=\"\" class=\"wp-image-1867\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Leadership is an active, continual process. While certain people may be innately better at empowering and motivating others, leadership is a skill that can be developed — and one that needs thoughtful practice.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>At its most fundamental level, leadership is the ability to make situations and people better. The best leaders nurture and inspire their team to perform better and reach their greatest potential. They encourage everyone on their team to exercise their own voice and ideas, regardless of authority, title or position, and to become leaders themselves. If you look at the best teams across industries, they share a common attribute: The best teams are teams of leaders.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Every human is unique, with each of us having our own motivations, biases and neuroses. So it\'s no surprise that people who study leadership focus on the space between those differences. They understand behavior and psychology. The way leaders want to lead may not always work for everyone, so nuance and adaptability are key.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Here are six leadership strategies that are universal — regardless of industry or team size.</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Lead yourself first<br>The first step to leadership is to first understand how you naturally lead. Are you an upbeat, outgoing leader that enjoys giving praise to keep morale high? Or are you a stoic leader who commands quality and believes praise is to be earned? When consciously developing your leadership style, the goal should be to understand who you are and what makes you thrive. Once you understand your leadership preferences, you can correct course as needed when speaking with individuals on your team.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":2} -->\n<ol start=\"2\"><li>Be curious about your team<br>The best leaders I\'ve ever known have an insatiable curiosity about the people who help grow their business. Taking a genuine interest in our staff members allows us to understand what makes them tick. How was their upbringing? What do they enjoy doing when they are not on the clock? What are some of their personal goals outside your organization? Try to get to know them as much as they are open to sharing. Understanding your team\'s motivations allows you to adapt and flex your approach toward those motivations and give them work that helps them shine.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":3} -->\n<ol start=\"3\"><li>Maximize feedback to get the best results<br>If the goal of leadership is to make situations and people better, the tool you use is not criticism, but constructive feedback. The way to deploy these tools is a critical function of motivating individuals. Motivating others is hard to do, especially on an everyday basis. Feedback should be given through the framework of enhancing or changing behavior. If a member of a sales team soared past quarterly goals, don\'t just proclaim a job well done. Provide feedback that highlights tact and expertise of craft, so they feel empowered to continue the quality output. Additionally, if a project continues to be delayed, provide direct and tangible examples of what needs work and what you\'re looking for — that way there\'s no discrepancy in your messaging.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":4} -->\n<ol start=\"4\"><li>Address dysfunction head-on<br>Transparency is key. Every relationship thrives with transparency, so leave nothing unspoken. Addressing workplace problems immediately and directly will show that you are committed to fostering a unified team. It\'s also important to not make a team member feel like they have to defend themselves. Remember, tact and nuance to your approach will be different from person to person, and there\'s a fine line between direct and upfront and being rude. If fractured relationships don\'t get mended, it can have long-term business consequences. So when an internal issue inevitably arises, address it and move on.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":5} -->\n<ol start=\"5\"><li>Set priorities efficiently<br>Focus on the long term and distribute the short-term priorities effectively. You have to continually recalibrate priorities and check in on the focus of your team. What are they spending their time on, and what are the most important tasks this week — or today? If a team member doesn\'t have their priorities right, it\'s our job as leaders to explain the project thoroughly and confirm that they understand the deliverables. When reviewing priorities, start by explaining what the long-term goals are, so they can connect the dots as to why they\'re doing what they\'re doing. Constantly calibrate and recalibrate to ensure everyone\'s on the same page.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":6} -->\n<ol start=\"6\"><li>Create a high-performing culture<br>Sustained organizational excellence is based on the habitual pattern of everyone embodying a shared and common goal. During team wide meetings, everything should point back to the mission. As management consultant, author and educator Peter Drucker (1909–2005) once allegedly said, \"Culture eats strategy for breakfast.\" Yes, talent matters, but a company culture that celebrates excellence together, wins together (and stays together.) A common message will inspire everyone to row in the same direction. Striving for excellence in any field has a set of foundational routines and behaviors, and leadership is no different. Being the best leader for your team takes conscious intention and habitual practice.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Leadership in 2021 looks very different from it did at the beginning of 2020. As much as we are still responsible for business results, we are now more than ever also responsible for the mental and physical well-being of the people we employ — and rightfully so.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.entrepreneur.com/article/363600\">click here.</a></p>\n<!-- /wp:paragraph -->','6 Leadership Best Practices Empowering Your Workforce','','publish','closed','closed','','6-leadership-best-practices-to-empower-your-workforce','','','2021-08-27 22:00:10','2021-08-27 22:00:10','',0,'http://smartinsurance.tips/?page_id=1864',0,'page','',0),(1865,1,'2021-08-10 17:11:53','2021-08-10 17:11:53','<!-- wp:divi/placeholder /-->','6 Leadership Best Practices to Empower Your Workforce','','inherit','closed','closed','','1864-revision-v1','','','2021-08-10 17:11:53','2021-08-10 17:11:53','',1864,'http://smartinsurance.tips/?p=1865',0,'revision','',0),(1867,1,'2021-08-10 17:14:12','2021-08-10 17:14:12','','My-Post-12','','inherit','open','closed','','my-post-12-4','','','2021-08-10 17:14:12','2021-08-10 17:14:12','',1864,'http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-12.png',0,'attachment','image/png',0),(1869,1,'2021-08-10 17:27:05','2021-08-10 17:27:05','<!-- wp:image {\"id\":1872,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-15-1024x536.png\" alt=\"\" class=\"wp-image-1872\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Cold weather has caused a pipe to burst in your home, and water has ruined your wood floors. Will homeowners insurance cover pipe replacement? It depends on your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Water damage may be covered under homeowners\' insurance, but it depends largely on the nature of the aquatic mishap. If the damage occurs as a result of something sudden or unforeseen—like a broken pipe, a leaking air conditioning unit, or a malfunctioning washing machine—the policy typically covers it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-4\">Different Forms Of Damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">However, if the cause is \"gradual damage\" that happens over a long period of time—due to a leaky pipe, for example, or a crack in your home\'s foundation—the insurance company may balk. Sometimes it is hard to know whether homeowners insurance will cover plumbing or not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>All insurance policies exclude problems due to wear and tear, as well as gradual damage. However, there may be some exceptions. \"Resulting damage,\" for example, may occur as a result of a cracked water tank, an exploding dishwasher, or, yes, a broken pipe. If a dishwasher explodes, the answer to \"does homeowners insurance cover burst pipes?\" would be yes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key Takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Homeowners insurance generally covers damage due to broken pipes if their collapse is sudden and unforeseen.</li><li>Water damage that occurs gradually due to a leaky or rusty pipe, however, is generally not covered.</li><li>If you feel your claim has been unjustly denied, consider getting a second opinion by a licensed professional&nbsp;or a consumer advocacy organization that is familiar with insurance in your region.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-11\">How Insurance Views Pipes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-12\">Most insurance companies would consider a home\'s plumbing to be under normal homeowner maintenance. The property owner is responsible for making sure pipes don\'t freeze, are kept unclogged, screwed tight, and generally maintained—and to be on the lookout for mold, mildew, or other signs of water damage that suggest a small crack, hairline fracture, or leak somewhere.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-14\">Damage that develops gradually due to a slowly leaking, rusting, or deteriorating pipe is generally not covered. However, leaky pipes are different from broken pipes or burst pipes. These gushers could potentially flood the entire home. So the damage and destruction they bring&nbsp;<em>are</em>&nbsp;covered, usually under the all-perils section of your homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">If you live in a northern climate and your broken pipe is a result of freezing due to a lack of heat in the home, an insurance company could cite your negligence and deny your claim. Broken pipes must happen suddenly and by accident and shouldn\'t have been easily preventable. If you ignore a leaking pipe, and it subsequently bursts, the insurance company can see evidence of a long-term leak and deny the claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Homeowners insurance only covers floods due to internal causes, not acts of nature. A separate flood insurance policy protects havoc wrought by external or natural forces, like rising waters or overflowing sewers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-20\">What Is Covered?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-21\">Some policies distinguish between resulting damage and initial damage. If, for example, water damage resulting from a broken pipe or appliance is listed in your insurance policy wording as covered, then you may be compensated for some or all of the damages caused, even if they didn\'t occur right away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">After a pipe bursts, homeowners insurance covers damage occurring to the carpet or rugs, the floor, drywall, paint, and so on. Any service needed to clean up the water, dry out the home, and possibly prevent mold would also be included in this coverage. Ironically, the cost of repairing the busted pipe or of replacing the broken appliance—the cause of the problem—is not covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-25\">How To Avoid Having A Water Damage Claim Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">It\'s important to have your plumbing inspected by a licensed professional on a regular basis, and maintain records of repairs and the professionals you have hired over the years to do inspections and maintenance. These records could become very important in the event of a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">Different portions of your home\'s plumbing will have various life spans. Replace pipes that are beyond their intended service lives. In northern climates, be sure to leave your home\'s heat on, even if it is set to low, during the winter, especially if you are leaving for an extended period of time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Every home, regardless of climate, should have a water shutoff valve. Know where this valve is located, and make sure it is operable in case you need to turn off the water quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-32\">What To Do If Your Claim Is Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">If you were denied coverage that you think should have applied to the damage caused by a leaky pipe, you might consider getting a second opinion by a licensed professional&nbsp;or consumer advocacy organization that is familiar with insurance in your region.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your insurance company may also have an ombuds that can help review your file. You can also contact your state insurance commissioner for guidance or to file a complaint.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-37\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">If you\'re not sure whether your insurance will cover water damage caused by a leaky or busted water pipe, it\'s important to review the exact wording of your policy with your insurance advisor, agent, or broker. You will have to review the exclusions of your policy as well as the type of coverage you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure you understand all the coverages on your policy and have a good grasp of the exclusions, as well as your responsibilities as a homeowner. In addition, perform regular maintenance of your home every spring and fall to avoid surprises. Regular small repairs can help you avoid large expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Also, don\'t under insure your home. Make sure you purchase the best insurance for your needs, and remember to inquire about extra coverage if you think you need it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/ask/answers/111815/does-homeowners-insurance-cover-broken-pipes.asp#:~:text=An%20all-perils%20homeowners%20insurance%20policy%20does%20not%20usually,pipe%20causes%20would%20be%20covered%20under%20most%20circumstances.\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Broken Pipes?','','publish','open','open','','does-homeowners-insurance-cover-broken-pipes','','','2021-08-19 21:48:07','2021-08-19 21:48:07','',0,'http://smartinsurance.tips/?p=1869',0,'post','',0),(1870,1,'2021-08-10 17:27:05','2021-08-10 17:27:05','<!-- wp:divi/placeholder /-->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Broken Pipes?','','inherit','closed','closed','','1869-revision-v1','','','2021-08-10 17:27:05','2021-08-10 17:27:05','',1869,'http://smartinsurance.tips/?p=1870',0,'revision','',0),(1872,1,'2021-08-10 17:28:35','2021-08-10 17:28:35','','My-Post-15','','inherit','open','closed','','my-post-15-3','','','2021-08-10 17:28:35','2021-08-10 17:28:35','',1869,'http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-15.png',0,'attachment','image/png',0),(1880,1,'2021-08-10 18:45:22','2021-08-10 18:45:22','<!-- wp:image {\"id\":1881,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-18-1024x536.png\" alt=\"\" class=\"wp-image-1881\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0\">What Is Garage Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-1\">Garage liability insurance is specialty insurance targeted to the automotive industry.&nbsp;Automobile dealerships, parking lots or parking garages operators,&nbsp;tow-truck operators, service stations, and&nbsp;customization and repair shops will add garage liability insurance to their business liability coverage. The policy protects property damage&nbsp;and bodily injury resulting from operations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-3\">This insurance is not the same thing as garage-keepers coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-5\">How Garage Liability Insurance Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Garage liability insurance is a type of umbrella policy that provides coverage for the day-to-day operations of the businesses in the automotive industry. This insurance will add a layer of protection to the business\' general liability policy. Coverage includes bodily injury and property damage from direct garage operations, not covered under most commercial or business liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Before buying a policy, the business owner should verify that the garage liability coverage will add to, and not merely replace, their basic business liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Coverage will include injuries to customers while on the business grounds up to the chosen limits of the policy. Also, most garage insurance will consist of an employee dishonesty provision for theft or vandalism done by an employee of a customer\'s car. For an added premium, any autos used in the conducting of business, such as courtesy vans and parts delivery trucks, may be added. Additional protections can include damages from parts or products sold by the company and coverage for loss from faulty parts installed on a client\'s vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Garage liability insurance will not cover the tools, building, personal, or business property of the policyholder. It does not provide coverage for vandalism, stolen vehicles, or damage from events such as hail. The policy does not cover accidents or damage to the customer\'s cars on-site for service. Also, all policy basic and additional items will have a listed maximum liability coverage amount and may have aggregate limits by claim or by year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Commercial general liability (CGL) insurance policies have varying levels of coverage. This insurance may include coverage for the premises, which protects the business from claims on location during regular business operations. It may also include coverage for bodily injury and property damage resulting from finished products.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-16\">Garage Liability Is Not Garage-Keeper Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">Garage-keepers insurance is a separate policy that covers the property damage to a client\'s car while it is in the care of the policyholder. This can include damage during road test drives and while&nbsp;storing the vehicle during non-working hours. The keeper\'s insurance will cover vandalism and theft of a customer\'s car. Businesses with multiple locations require policies for each site.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-19\">Other Business Insurance Products</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">Businesses may purchase coverage for other business risks as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Employment practices liability insurance covers claims associated with sexual harassment and discrimination.<br>Professional liability coverage insures against negligence claims that result from mistakes or failure to perform.<br>Property insurance covers equipment, signage, inventory, and furniture in the event of a fire, storm, or theft. However, additional coverage is needed to cover events such as floods or earthquakes.<br>Business interruption insurance compensates for lost income during events that prevent normal business operations, such as an extended power outage.<br>Workers\' compensation insurance is mandatory for employers to protect employees and to cover an injured employee’s medical care. It also provides lost wages and death benefits to a deceased worker’s immediate family.<br>A company may name other companies or individuals as additional insured under its commercial liability insurance policy. For example, if an automobile repair garage enters into a contract with another company to provide car washing services, that company may require the garage owners to add it as an additional insured on their garage liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/g/garage-liability-insurance.asp\">click here</a>.</p>\n<!-- /wp:paragraph -->','Garage Liability Insurance','','publish','open','open','','garage-liability-insurance','','','2021-08-27 22:02:06','2021-08-27 22:02:06','',0,'http://smartinsurance.tips/?p=1880',0,'post','',0),(1881,1,'2021-08-10 18:43:40','2021-08-10 18:43:40','','My-Post-18','','inherit','open','closed','','my-post-18-2','','','2021-08-10 18:43:40','2021-08-10 18:43:40','',1880,'http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-18.png',0,'attachment','image/png',0),(1855,1,'2021-08-10 00:54:36','2021-08-10 00:54:36','<!-- wp:divi/placeholder /-->','The 6 Burnout Triggers','','publish','open','open','','the-6-burnout-triggers','','','2021-08-10 00:54:37','2021-08-10 00:54:37','',0,'http://smartinsurance.tips/?p=1855',0,'post','',0),(1854,1,'2021-08-10 00:53:25','2021-08-10 00:53:25','<!-- wp:gallery {\"ids\":[1853],\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery columns-1 is-cropped\"><ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><figure><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-6-1024x536.png\" alt=\"\" data-id=\"1853\" data-full-url=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-6.png\" data-link=\"http://smartinsurance.tips/how-wifi-calling-benefits-your-business/my-post-6-5/\" class=\"wp-image-1853\"/></figure></li></ul></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Technology has changed the way businesses make voice calls. Wi-Fi calling can help certain entrepreneurs and offices cut their traditional phone lines, saving money and making the most of the resources they already have. If you’re interested in learning more about Wi-Fi calls, here’s a beginner’s guide.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What is Wi-Fi Calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling is a mobile phone feature that allows you to text and make voice calls using your phone’s Wi-Fi connection instead of your traditional cellular network. It’s available on most major smartphones, including iPhone and Android phones.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You simply have to enable WiFi calling in your phone’s settings and have access to a WiFi connection to use this feature. The exact process varies by device. Additionally, there are some third party apps that allow users to make WiFi calls, like Facebook Messenger and WhatsApp.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What is the Point of Wi-Fi Calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Cellular networks don’t cover every area, and they occasionally have outages. With WiFi calling, you can use the WiFi connection at your home or business as a backup. This prevents you from dropping calls and allows you to stay in touch even when your cellular service fails.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, you can make calls in an area with spotty reception. You can even send texts on airplanes using WiFi. Technically, you could even make voice and video calls on planes as well, but most airlines prohibit this. WiFi calling may also come in handy for those who have met the limits of their cellular plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi Calling Free?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calls within the U.S. are generally free, as long as you have a device that supports this feature. It’s included on popular Android smartphones and iPhones. However, you may need to pay for your own wireless network at home or at the office. If you plan to make WiFi calls on the road, you may need to purchase a hotspot, which often retails for between $20 and $50.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>11 Ways Wi-Fi Calling Will Benefit Your Business</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calling generally allows people to be more connected. In today’s mobile business environment, the importance of this cannot be overstated. Here are some specific benefits for business owners to consider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>1. You can Make Calls in Areas with Low Cellular Connection</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Today, people generally expect access to cellular service just about everywhere. However, there are still areas with limited coverage. And no business owner wants to find themselves in a dead zone when they have an important call or video meeting scheduled.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are some places where you may need WiFi calling to communicate:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Trains or public transit</li><li>Dead zones in offices (This is especially common in concrete buildings)</li><li>Elevators</li><li>Basement home offices</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>2. Making Wi-Fi Calls Saves Time</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you’re in an area with little or no cell reception, traditional calls may get dropped. This doesn’t just look unprofessional; it can waste precious meeting time. With WiFi calling, your calls won’t get dropped as long as you have a reliable connection. So you can spend more time communicating and less time dealing with technology.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>3. No App Download is Needed</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Smartphones have apps for just about everything. But these take valuable space on your device and require extra steps that many entrepreneurs don’t have time for. WiFi calling is already available on most devices. So it’s easy to get started and use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>4. Making Calls over WiFi Does not Use any Talk Time</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most cell phone plans only have a certain amount of talk time each month. If you make a lot of voice calls, you may have to pay extra fees or purchase a plan with more time. However, WiFi calls don’t contribute to this number. So if you’re low on minutes for the rest of the month, they can help you save money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>5. It Results in Better Quality Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Call quality can make your business look more professional. If you both have a strong WiFi connection, this option may help you both hear more clearly. This allows you to be more productive and focused as you communicate. It also limits disruptions and shows clients or potential partners that you’re willing to invest in quality communication solutions for your business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>6. A Wi-Fi Call Uses Your Phone Number</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling doesn’t require a separate line or number. So you don’t need to confuse contacts by giving them multiple ways of contacting you. And when you get in touch with others, they should always know who is calling. Basically, it’s a really simple solution when you don’t want to use a regular cellular connection. If, however, you want a dedicated number, there are apps that give you a phone number. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>7. It Includes No Add On Services</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You also don’t need an extra plan or service to take advantage of this feature. Simply enable Wi-Fi calling or put your phone in airplane mode and it should work automatically.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>8. It Is Supported by Most Phones</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you have a smartphone, it probably already comes with this feature. So you don’t need to purchase a new device or do extensive research when it’s time for an update. This also means that the majority of your team and the people you call should have access to Wi-Fi calling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>What phones support Wi-Fi calling?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most current smartphones use Wi-Fi calling. Here are some popular ones:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Apple iPhone 6 and later</li><li>Samsung Galaxy A01 and later</li><li>Google Pixel</li><li>Microsoft Lumia</li><li>Motorola Moto phones</li><li>LG Fortune, Escape, Harmony, and Stylo</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>9. Video Calls Can be Like Regular Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most smartphones can also host video calls. And with Wi-Fi calling, you can use this feature just as you would with a voice call – just enable your phone’s video call feature (i.e. FaceTime for iPhones). This can be less complicated than setting up brand new VoIP calls or video streams to host these conferences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>10. There are No Fees for Incoming Calls on a Wi-Fi Network</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calling is generally free within the U.S. And it’s always free when you receive calls. So you don’t need to factor extra money into your communication budget if you already pay for a wireless network.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>11. You Can Also Send Text Messages Over Wi-Fi</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A strong Wi-Fi network doesn’t just give you access to voice calls. You can also send text messages to team members, partners, and clients. This is perfect if you just need to send a quick update or ask a simple question while on the go.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Things to Note Before Using Wi-Fi Calling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The pros of Wi-Fi calling almost certainly outweigh the cons for many business users. But it’s not right for every situation. Here are some things to consider before relying on Wi-Fi for any important upcoming phone calls.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Weak Wi-Fi Connection Equals Problems</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Just as weak cellular coverage may lead to dropped calls or low quality, so can a weak Wi-Fi signal. Internet signal strength varies based on your distance from a router, the amount of people connected, and any potential obstructions. This can be especially relevant for those in large offices where the router is far away or near concrete walls or appliances, which can block the signal. Get to know the spots in your home and/or office where the signal is strongest (often close to the router) and use those for important Wi-Fi phone calls.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>There are Restrictions on International Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling within the U.S. is usually free. But you may have to pay for international calls, since these are not technically made using only Wi-Fi. For example, T-Mobile customers may pay $0.25 per minute when roaming. It’s the same for Wi-Fi calls as it is for traditional cellular phone calls. Specific rates vary based on your international calling plan. So get to know these rates to avoid surprises when calling internationally.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Not All Phones Have a Wi-Fi Calling Feature</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most modern smartphones have Wi-Fi calling. And all the major U.S. carriers support it on these devices. But it’s not included on older cell phones or office phones. If you or the person you’re calling doesn’t have a device that supports this feature, it may not be an option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>How to Set up and Enable Wi-Fi Calling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Not all phones have a Wi-Fi calling feature. And those that do generally don’t come with it automatically enabled. So before you make a Wi-Fi call, you’ll need to make sure your phone is HD voice-enabled and connected to a Wi-Fi network. Then you must enable Wi-Fi calling before making your first call or text. Here’s how to do that on some of today’s most popular devices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>How to Setup WiFi Calling on Android Devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most modern Android phones make it easy to set up Wi-Fi calling. Before you can make phone calls using Wi-Fi, you simply need to enable the feature on your device. This allows you to call or text where no service is available or when your phone is in airplane mode, which stops it from connecting to a cellphone tower. Here’s how to do this on an Android phone:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Go to your phone’s settings section and select Networks &amp; Internet</li><li>Click the mobile network option</li><li>Turn on Wi-Fi</li><li>Click the Advanced settings option</li><li>Scroll down to where it says “Wi-Fi calling,” toggle on the option</li><li>Enter your emergency address when prompted, since emergency services don’t automatically get your location if you call using Wi-Fi</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>How to Set up Wi-Fi Calling on iPhone Devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>For those with an Apple device, making calls with Wi-Fi instead of cellular service is automatic as long as you activate this feature first. If you have an iPhone, here are the steps needed to enable Wi-Fi calling on your wireless device.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Go to your phone’s settings and select “Phone”</li><li>Scroll down to where it says WiFi Calling and toggle it on</li><li>Enter or confirm your address in case you need to make emergency calls</li><li>Connect to a WiFi network</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2>How to Make a Call with the Wi-Fi Calling Feature</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Once you enable Wi-Fi calling, you don’t have to take many special steps to make calls. The exact process varies by device. But here’s a basic guide:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Activate Wi-Fi calling in your phone’s settings</li><li>Connect to a Wi-Fi network</li><li>Dial or text as usual</li><li>If you’re making an emergency call, provide your location either in your phone’s settings or at the beginning of the call.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2>How do I use Wi-Fi calling on my Samsung phone?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Popular Samsung phones like the Galaxy series generally include Wi-Fi calling if purchased within the last several years. Each specific phone may vary a bit, but here’s usually how it works:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Tap the three vertical dots in your phone app</li><li>Go to Settings and tap Wi-Fi Calling</li><li>Toggle the switch over to turn the feature on</li><li>Certain phones also allow you to activate Wi-Fi Calling from the Quick Settings Panel</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2><strong>What’s the difference between cellular data and Wi-Fi calling?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Both cellular data and Wi-Fi allow you to connect to the internet on your phone. However, when you connect using your cellular network, it comes from the monthly allowance you signed up for with your phone provider. Some plans offer unlimited data with text and voice calling, but many have limits. And you’ll usually pay overage charges if you surpass them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When you use Wi-Fi calling, it doesn’t come out of your phone plan. You just need to be connected to a Wi-Fi network at your home or business. Cellular calls are often better if you have a strong signal. But Wi-Fi calls are preferred if your cell signal is weak or if you’re over your monthly cellular allowance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Do I want Wi-Fi calling on or off?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling is generally a good idea in areas where you have a strong Wi-Fi signal but spotty access to your cellular network. For example, you might enable it on public transit or office dead zones. But your cellular coverage is likely stronger in other areas, so you may toggle it off in those instances. You can easily turn Wi-Fi calling on and off. So try it both ways and see what works best for you in various instances. Generally, it’s best to turn Wi-Fi calling off before making emergency calls. But many carriers will automatically connect you to a cell tower when you make an emergency call, if a signal is available.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Wi-Fi calling save your battery life?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes. When you call with Wi-Fi, your phone only needs to send a signal to your router, which is likely close by. When you call with cell service, your phone needs to reach the nearest cell tower, which is almost always further away. This may not make a huge difference for most users. But it can be noticeable for those who are far from cell towers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Do Wi-Fi calls show on your phone bill?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calls sometimes show up on your phone bill, but not always. If you are connected to a Wi-Fi network at your home or office, then the Wi-Fi call likely will not appear on your bill. You simply pay your internet carrier for access. And that allows you to make calls when you’re on the same network. However, if you aren’t connected to an outside network, you’ll use your phone’s data plan, which does appear on your phone bill.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Wi-Fi calling work without a SIM?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes, you can make a Wi-Fi call on a device without a SIM card. All you need is a phone that has Wi-Fi calling capabilities and access to the internet. If you purchased a smartphone in the U.S. within the past five years, it likely has the ability to make Wi-Fi calling work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi calling better than 4G?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling lets you place calls and texts without access to a cellular connection. Calling with 4G does require you to be close to a cell tower. Some Wi-Fi calls get slightly delayed if the connection isn’t strong. But this feature does let you make calls in areas with limited cell service. It can also keep your cell phone bill reasonable if you’re always near the limits of your cellular data usage. Generally, Wi-Fi calling is helpful as long as you have access to a strong internet connection. But 4G may be better if you’re always out and about, or if you travel or call internationally, since overseas Wi-Fi calling isn’t free.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi calling the same as VoLTE?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>No, VoLTE still requires access to a cell signal, while Wi-Fi calling does not. VoLTE stands for voice over long-term evolution. This means you can use it to place voice calls using your phone’s signal. It aims to be faster than other types of signals like 3G. And you don’t need to be connected to a Wi-Fi signal at your home or office to use it. With Wi-Fi calling, you do need access to the internet, but you don’t need to be close to a cell phone tower to place a voice call or text.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is there an app for free Wi-Fi calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You do not need a third party app to place Wi-Fi calls. It is a feature that comes standard with most phones, including iPhones and Android devices. Carriers like Verizon and T-Mobile also support this capability without outside apps. Just enable the feature in your phone’s settings to use it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, there are apps you can use to place Wi-Fi calls, like Google Voice, Skype, Tango, and Fring. These generally offer advanced features like international Wi-Fi calling or the ability to call from other devices like laptops.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Can I still make calls to emergency services using Wi-Fi calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes, you can place emergency calls using Wi-Fi calling if you are not connected to a cellular network. This is a useful feature for business users because it allows you to keep your workplace safe even if there’s a spotty cell signal. It can also be useful for those who regularly travel, since you may sometimes end up far away from cell towers, or on trains or public transit systems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, most carriers will automatically connect you to your cell signal when placing an emergency call if their network is available. When you’re connected via cell service, emergency services can access your location in case you’re unsure or the call gets cut off. This feature is not available when you use Wi-Fi calling. To ensure safety and fast response times when using Wi-Fi calling, give your location right away and add your address to your device when prompted.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','How Wi-Fi Calling Benefits Your Business','','inherit','closed','closed','','1850-revision-v1','','','2021-08-10 00:53:25','2021-08-10 00:53:25','',1850,'http://smartinsurance.tips/?p=1854',0,'revision','',0),(1868,1,'2021-08-10 17:19:37','2021-08-10 17:19:37','<!-- wp:image {\"id\":1867,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-12-1024x536.png\" alt=\"\" class=\"wp-image-1867\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Leadership is an active, continual process. While certain people may be innately better at empowering and motivating others, leadership is a skill that can be developed — and one that needs thoughtful practice.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>At its most fundamental level, leadership is the ability to make situations and people better. The best leaders nurture and inspire their team to perform better and reach their greatest potential. They encourage everyone on their team to exercise their own voice and ideas, regardless of authority, title or position, and to become leaders themselves. If you look at the best teams across industries, they share a common attribute: The best teams are teams of leaders.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Every human is unique, with each of us having our own motivations, biases and neuroses. So it\'s no surprise that people who study leadership focus on the space between those differences. They understand behavior and psychology. The way leaders want to lead may not always work for everyone, so nuance and adaptability are key.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Here are six leadership strategies that are universal — regardless of industry or team size.</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Lead yourself first<br>The first step to leadership is to first understand how you naturally lead. Are you an upbeat, outgoing leader that enjoys giving praise to keep morale high? Or are you a stoic leader who commands quality and believes praise is to be earned? When consciously developing your leadership style, the goal should be to understand who you are and what makes you thrive. Once you understand your leadership preferences, you can correct course as needed when speaking with individuals on your team.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":2} -->\n<ol start=\"2\"><li>Be curious about your team<br>The best leaders I\'ve ever known have an insatiable curiosity about the people who help grow their business. Taking a genuine interest in our staff members allows us to understand what makes them tick. How was their upbringing? What do they enjoy doing when they are not on the clock? What are some of their personal goals outside your organization? Try to get to know them as much as they are open to sharing. Understanding your team\'s motivations allows you to adapt and flex your approach toward those motivations and give them work that helps them shine.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":3} -->\n<ol start=\"3\"><li>Maximize feedback to get the best results<br>If the goal of leadership is to make situations and people better, the tool you use is not criticism, but constructive feedback. The way to deploy these tools is a critical function of motivating individuals. Motivating others is hard to do, especially on an everyday basis. Feedback should be given through the framework of enhancing or changing behavior. If a member of a sales team soared past quarterly goals, don\'t just proclaim a job well done. Provide feedback that highlights tact and expertise of craft, so they feel empowered to continue the quality output. Additionally, if a project continues to be delayed, provide direct and tangible examples of what needs work and what you\'re looking for — that way there\'s no discrepancy in your messaging.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":4} -->\n<ol start=\"4\"><li>Address dysfunction head-on<br>Transparency is key. Every relationship thrives with transparency, so leave nothing unspoken. Addressing workplace problems immediately and directly will show that you are committed to fostering a unified team. It\'s also important to not make a team member feel like they have to defend themselves. Remember, tact and nuance to your approach will be different from person to person, and there\'s a fine line between direct and upfront and being rude. If fractured relationships don\'t get mended, it can have long-term business consequences. So when an internal issue inevitably arises, address it and move on.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":5} -->\n<ol start=\"5\"><li>Set priorities efficiently<br>Focus on the long term and distribute the short-term priorities effectively. You have to continually recalibrate priorities and check in on the focus of your team. What are they spending their time on, and what are the most important tasks this week — or today? If a team member doesn\'t have their priorities right, it\'s our job as leaders to explain the project thoroughly and confirm that they understand the deliverables. When reviewing priorities, start by explaining what the long-term goals are, so they can connect the dots as to why they\'re doing what they\'re doing. Constantly calibrate and recalibrate to ensure everyone\'s on the same page.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:list {\"ordered\":true,\"start\":6} -->\n<ol start=\"6\"><li>Create a high-performing culture<br>Sustained organizational excellence is based on the habitual pattern of everyone embodying a shared and common goal. During team wide meetings, everything should point back to the mission. As management consultant, author and educator Peter Drucker (1909–2005) once allegedly said, \"Culture eats strategy for breakfast.\" Yes, talent matters, but a company culture that celebrates excellence together, wins together (and stays together.) A common message will inspire everyone to row in the same direction. Striving for excellence in any field has a set of foundational routines and behaviors, and leadership is no different. Being the best leader for your team takes conscious intention and habitual practice.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Leadership in 2021 looks very different from it did at the beginning of 2020. As much as we are still responsible for business results, we are now more than ever also responsible for the mental and physical well-being of the people we employ — and rightfully so.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','6 Leadership Best Practices Empowering Your Workforce','','inherit','closed','closed','','1864-revision-v1','','','2021-08-10 17:19:37','2021-08-10 17:19:37','',1864,'http://smartinsurance.tips/?p=1868',0,'revision','',0),(1874,1,'2021-08-10 17:34:17','2021-08-10 17:34:17','<!-- wp:image {\"id\":1878,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/1611691791-GettyImages-683773380-1024x576.jpg\" alt=\"\" class=\"wp-image-1878\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-1\">Exclusions are provisions in business insurance policies that eliminate coverage for certain types of property, perils, situations, or hazards. Risks described in exclusions aren\'t covered by the policy. Insurers utilize exclusions to remove coverage for hazards they\'re unwilling to insure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-3\">Reasons to Exclude Risks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Insurance policy exclusions serve various purposes, but most apply to risks that fall into one of the categories described below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-8\">Catastrophic Events</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-10\">Some risks are uninsurable because they are catastrophic events. An example is war. If a war breaks out and a bomb damages your business property, your commercial property policy won\'t cover the loss. Virtually all property policies exclude damage caused by war and military action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Some catastrophic events can be insured by specialized coverage. Examples are floods and earthquakes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-15\">Covered by Another Policy</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">Many risks are excluded under one type of policy because they are covered by another. For instance, auto liability claims are excluded under a general liability policy because they are covered by a commercial auto policy. Similarly, liability and auto policies exclude any benefits the employer is obligated to pay under a workers\' compensation law, since such benefits are covered by workers\' compensation insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-20\">Maintenance Issues</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">Some risks, such as wear and tear, are excluded because they are naturally occurring events that can be controlled by the policyholder through proper maintenance.45 Damage caused by wear and tear is excluded from both commercial property policies and auto physical damage insurance. Other risks that can be controlled through regular maintenance are rust, corrosion, and insect infestations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-25\">Against Public Policy</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">Many insurance policies exclude crimes, violations of the law, and intentionally caused injuries because insuring them would be against public policy. For this reason, liability policies don\'t cover claims arising from the insured\'s intentional, harmful acts like firing a gun or committing fraud.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-29\">Exclusion Exceptions and Buybacks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Many exclusions contain exceptions that give back a limited amount of coverage. An example is the contractual liability exclusion in the standard general liability policy, which excludes liability assumed under a contract. An exception to the exclusion provides coverage for liability assumed under an insured contract (a defined term in the policy).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some exclusions can be eliminated if you\'re willing to pay an additional premium. For instance, the standard general liability policy excludes claims arising out of injuries inflicted by one employee against another. Many businesses buy back coverage for co-employee claims by purchasing fellow employee coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-36\">Watch for Changes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">Policy forms aren\'t cast in stone. The Insurance Services Office (ISO) updates the standard commercial policy forms every few years. Insurers often follow suit, incorporating the changes the ISO has made into their proprietary forms. When the ISO or an insurer revises a form, it may add new exclusions or modify existing ones. A new exclusion generally means a reduction in coverage, while an exclusion modification may broaden or restrict coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Warning: Many states have laws requiring insurers to notify policyholders in advance if renewal policies contain exclusions or other restrictions not found in expiring policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-42\">Where to Look for Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-44\">An obvious place to look for policy exclusions is under the section titled \"Exclusions.\" Many policies contain more than one list of exclusions. For instance, the standard business owners\' policy contains two sets of exclusions, one for property and another for liability. Some policies also contain a separate list of exclusions that apply to all coverages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many policies contain one or more sections entitled \"limitations\". A limitation is a partial exclusion and narrows the scope of coverage for a covered risk. For instance, theft is a covered peril under the standard business owners\' policy, but theft losses involving furs, jewelry, and other valuable items are subject to a $2,500 limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-49\">Alternate Locations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-51\">Exclusionary provisions can be found in other parts of the policy, not just the Exclusions section. One of the most common places for them to appear is in the policy \"Definitions.\" Insurers define terms to attach specific meanings to them and narrow the scope of interpretation. For example, the standard business auto policy defines the word \"auto\" as a land motor vehicle, trailer, or semi-trailer designed for travel on public roads. The definition excludes mobile equipment, which is also a defined term that encompasses a broad array of machinery and equipment.89</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another place where exclusions can be found is in the policy \"Conditions\" section. For instance, the standard business auto policy contains a provision that essentially excludes accidents that occur outside the defined \"coverage territory.\" This provision appears in the general Conditions section, not the Definitions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Finally, many insurers add exclusions to policies by attaching endorsements to preprinted forms. An endorsement may add a new exclusion or modify an existing one.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','The Purpose of Business Insurance Exclusions','','publish','open','open','','how-much-will-insurance-cost-for-my-small-business','','','2021-08-10 18:34:18','2021-08-10 18:34:18','',0,'http://smartinsurance.tips/?p=1874',0,'post','',0),(1875,1,'2021-08-10 17:34:17','2021-08-10 17:34:17','<!-- wp:divi/placeholder /-->','How Much Will Insurance Cost for My Small Business?','','inherit','closed','closed','','1874-revision-v1','','','2021-08-10 17:34:17','2021-08-10 17:34:17','',1874,'http://smartinsurance.tips/?p=1875',0,'revision','',0),(1882,1,'2021-08-10 18:45:22','2021-08-10 18:45:22','<!-- wp:image {\"id\":1881,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-18-1024x536.png\" alt=\"\" class=\"wp-image-1881\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0\">What Is Garage Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-1\">Garage liability insurance is specialty insurance targeted to the automotive industry.&nbsp;Automobile dealerships, parking lots or parking garages operators,&nbsp;tow-truck operators, service stations, and&nbsp;customization and repair shops will add garage liability insurance to their business liability coverage. The policy protects property damage&nbsp;and bodily injury resulting from operations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-3\">This insurance is not the same thing as garage-keepers coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-5\">How Garage Liability Insurance Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Garage liability insurance is a type of umbrella policy that provides coverage for the day-to-day operations of the businesses in the automotive industry. This insurance will add a layer of protection to the business\' general liability policy. Coverage includes bodily injury and property damage from direct garage operations, not covered under most commercial or business liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Before buying a policy, the business owner should verify that the garage liability coverage will add to, and not merely replace, their basic business liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Coverage will include injuries to customers while on the business grounds up to the chosen limits of the policy. Also, most garage insurance will consist of an employee dishonesty provision for theft or vandalism done by an employee of a customer\'s car. For an added premium, any autos used in the conducting of business, such as courtesy vans and parts delivery trucks, may be added. Additional protections can include damages from parts or products sold by the company and coverage for loss from faulty parts installed on a client\'s vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Garage liability insurance will not cover the tools, building, personal, or business property of the policyholder. It does not provide coverage for vandalism, stolen vehicles, or damage from events such as hail. The policy does not cover accidents or damage to the customer\'s cars on-site for service. Also, all policy basic and additional items will have a listed maximum liability coverage amount and may have aggregate limits by claim or by year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Commercial general liability (CGL) insurance policies have varying levels of coverage. This insurance may include coverage for the premises, which protects the business from claims on location during regular business operations. It may also include coverage for bodily injury and property damage resulting from finished products.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-16\">Garage Liability Is Not Garage-Keeper Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">Garage-keepers insurance is a separate policy that covers the property damage to a client\'s car while it is in the care of the policyholder. This can include damage during road test drives and while&nbsp;storing the vehicle during non-working hours. The keeper\'s insurance will cover vandalism and theft of a customer\'s car. Businesses with multiple locations require policies for each site.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-19\">Other Business Insurance Products</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">Businesses may purchase coverage for other business risks as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Employment practices liability insurance covers claims associated with sexual harassment and discrimination.<br>Professional liability coverage insures against negligence claims that result from mistakes or failure to perform.<br>Property insurance covers equipment, signage, inventory, and furniture in the event of a fire, storm, or theft. However, additional coverage is needed to cover events such as floods or earthquakes.<br>Business interruption insurance compensates for lost income during events that prevent normal business operations, such as an extended power outage.<br>Workers\' compensation insurance is mandatory for employers to protect employees and to cover an injured employee’s medical care. It also provides lost wages and death benefits to a deceased worker’s immediate family.<br>A company may name other companies or individuals as additional insured under its commercial liability insurance policy. For example, if an automobile repair garage enters into a contract with another company to provide car washing services, that company may require the garage owners to add it as an additional insured on their garage liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','Garage Liability Insurance','','inherit','closed','closed','','1880-revision-v1','','','2021-08-10 18:45:22','2021-08-10 18:45:22','',1880,'http://smartinsurance.tips/?p=1882',0,'revision','',0),(1877,1,'2021-08-10 17:37:51','2021-08-10 17:37:51','','My-Post-16','','inherit','open','closed','','my-post-16-4','','','2021-08-10 17:37:51','2021-08-10 17:37:51','',1874,'http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-16.png',0,'attachment','image/png',0),(1878,1,'2021-08-10 18:29:35','2021-08-10 18:29:35','','1611691791-GettyImages-683773380','','inherit','open','closed','','1611691791-gettyimages-683773380','','','2021-08-10 18:29:35','2021-08-10 18:29:35','',1874,'http://smartinsurance.tips/wp-content/uploads/2021/08/1611691791-GettyImages-683773380.jpg',0,'attachment','image/jpeg',0),(1873,1,'2021-08-10 17:32:53','2021-08-10 17:32:53','<!-- wp:image {\"id\":1872,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-15-1024x536.png\" alt=\"\" class=\"wp-image-1872\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Cold weather has caused a pipe to burst in your home, and water has ruined your wood floors. Will homeowners insurance cover pipe replacement? It depends on your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Water damage may be covered under homeowners\' insurance, but it depends largely on the nature of the aquatic mishap. If the damage occurs as a result of something sudden or unforeseen—like a broken pipe, a leaking air conditioning unit, or a malfunctioning washing machine—the policy typically covers it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-4\">Different Forms Of Damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">However, if the cause is \"gradual damage\" that happens over a long period of time—due to a leaky pipe, for example, or a crack in your home\'s foundation—the insurance company may balk. Sometimes it is hard to know whether homeowners insurance will cover plumbing or not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>All insurance policies exclude problems due to wear and tear, as well as gradual damage. However, there may be some exceptions. \"Resulting damage,\" for example, may occur as a result of a cracked water tank, an exploding dishwasher, or, yes, a broken pipe. If a dishwasher explodes, the answer to \"does homeowners insurance cover burst pipes?\" would be yes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key Takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Homeowners insurance generally covers damage due to broken pipes if their collapse is sudden and unforeseen.</li><li>Water damage that occurs gradually due to a leaky or rusty pipe, however, is generally not covered.</li><li>If you feel your claim has been unjustly denied, consider getting a second opinion by a licensed professional or a consumer advocacy organization that is familiar with insurance in your region.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-11\">How Insurance Views Pipes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-12\">Most insurance companies would consider a home\'s plumbing to be under normal homeowner maintenance. The property owner is responsible for making sure pipes don\'t freeze, are kept unclogged, screwed tight, and generally maintained—and to be on the lookout for mold, mildew, or other signs of water damage that suggest a small crack, hairline fracture, or leak somewhere.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-14\">Damage that develops gradually due to a slowly leaking, rusting, or deteriorating pipe is generally not covered. However, leaky pipes are different from broken pipes or burst pipes. These gushers could potentially flood the entire home. So the damage and destruction they bring&nbsp;<em>are</em>&nbsp;covered, usually under the all-perils section of your homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">If you live in a northern climate and your broken pipe is a result of freezing due to a lack of heat in the home, an insurance company could cite your negligence and deny your claim. Broken pipes must happen suddenly and by accident and shouldn\'t have been easily preventable. If you ignore a leaking pipe, and it subsequently bursts, the insurance company can see evidence of a long-term leak and deny the claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Homeowners insurance only covers floods due to internal causes, not acts of nature. A separate flood insurance policy protects havoc wrought by external or natural forces, like rising waters or overflowing sewers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-20\">What Is Covered?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-21\">Some policies distinguish between resulting damage and initial damage. If, for example, water damage resulting from a broken pipe or appliance is listed in your insurance policy wording as covered, then you may be compensated for some or all of the damages caused, even if they didn\'t occur right away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">After a pipe bursts, homeowners insurance covers damage occurring to the carpet or rugs, the floor, drywall, paint, and so on. Any service needed to clean up the water, dry out the home, and possibly prevent mold would also be included in this coverage. Ironically, the cost of repairing the busted pipe or of replacing the broken appliance—the cause of the problem—is not covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-25\">How To Avoid Having A Water Damage Claim Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">It\'s important to have your plumbing inspected by a licensed professional on a regular basis, and maintain records of repairs and the professionals you have hired over the years to do inspections and maintenance. These records could become very important in the event of a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">Different portions of your home\'s plumbing will have various life spans. Replace pipes that are beyond their intended service lives. In northern climates, be sure to leave your home\'s heat on, even if it is set to low, during the winter, especially if you are leaving for an extended period of time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Every home, regardless of climate, should have a water shutoff valve. Know where this valve is located, and make sure it is operable in case you need to turn off the water quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-32\">What To Do If Your Claim Is Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">If you were denied coverage that you think should have applied to the damage caused by a leaky pipe, you might consider getting a second opinion by a licensed professional or consumer advocacy organization that is familiar with insurance in your region.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your insurance company may also have an ombuds that can help review your file. You can also contact your state insurance commissioner for guidance or to file a complaint.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-37\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">If you\'re not sure whether your insurance will cover water damage caused by a leaky or busted water pipe, it\'s important to review the exact wording of your policy with your insurance advisor, agent, or broker. You will have to review the exclusions of your policy as well as the type of coverage you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure you understand all the coverages on your policy and have a good grasp of the exclusions, as well as your responsibilities as a homeowner. In addition, perform regular maintenance of your home every spring and fall to avoid surprises. Regular small repairs can help you avoid large expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Also, don\'t under insure your home. Make sure you purchase the best insurance for your needs, and remember to inquire about extra coverage if you think you need it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Broken Pipes?','','inherit','closed','closed','','1869-revision-v1','','','2021-08-10 17:32:53','2021-08-10 17:32:53','',1869,'http://smartinsurance.tips/?p=1873',0,'revision','',0),(1879,1,'2021-08-10 18:34:16','2021-08-10 18:34:16','<!-- wp:image {\"id\":1878,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/1611691791-GettyImages-683773380-1024x576.jpg\" alt=\"\" class=\"wp-image-1878\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-1\">Exclusions are provisions in business insurance policies that eliminate coverage for certain types of property, perils, situations, or hazards. Risks described in exclusions aren\'t covered by the policy. Insurers utilize exclusions to remove coverage for hazards they\'re unwilling to insure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-3\">Reasons to Exclude Risks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Insurance policy exclusions serve various purposes, but most apply to risks that fall into one of the categories described below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-8\">Catastrophic Events</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-10\">Some risks are uninsurable because they are catastrophic events. An example is war. If a war breaks out and a bomb damages your business property, your commercial property policy won\'t cover the loss. Virtually all property policies exclude damage caused by war and military action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Some catastrophic events can be insured by specialized coverage. Examples are floods and earthquakes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-15\">Covered by Another Policy</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">Many risks are excluded under one type of policy because they are covered by another. For instance, auto liability claims are excluded under a general liability policy because they are covered by a commercial auto policy. Similarly, liability and auto policies exclude any benefits the employer is obligated to pay under a workers\' compensation law, since such benefits are covered by workers\' compensation insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-20\">Maintenance Issues</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">Some risks, such as wear and tear, are excluded because they are naturally occurring events that can be controlled by the policyholder through proper maintenance.45 Damage caused by wear and tear is excluded from both commercial property policies and auto physical damage insurance. Other risks that can be controlled through regular maintenance are rust, corrosion, and insect infestations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-25\">Against Public Policy</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">Many insurance policies exclude crimes, violations of the law, and intentionally caused injuries because insuring them would be against public policy. For this reason, liability policies don\'t cover claims arising from the insured\'s intentional, harmful acts like firing a gun or committing fraud.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-29\">Exclusion Exceptions and Buybacks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Many exclusions contain exceptions that give back a limited amount of coverage. An example is the contractual liability exclusion in the standard general liability policy, which excludes liability assumed under a contract. An exception to the exclusion provides coverage for liability assumed under an insured contract (a defined term in the policy).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some exclusions can be eliminated if you\'re willing to pay an additional premium. For instance, the standard general liability policy excludes claims arising out of injuries inflicted by one employee against another. Many businesses buy back coverage for co-employee claims by purchasing fellow employee coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-36\">Watch for Changes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">Policy forms aren\'t cast in stone. The Insurance Services Office (ISO) updates the standard commercial policy forms every few years. Insurers often follow suit, incorporating the changes the ISO has made into their proprietary forms. When the ISO or an insurer revises a form, it may add new exclusions or modify existing ones. A new exclusion generally means a reduction in coverage, while an exclusion modification may broaden or restrict coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Warning: Many states have laws requiring insurers to notify policyholders in advance if renewal policies contain exclusions or other restrictions not found in expiring policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-42\">Where to Look for Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-44\">An obvious place to look for policy exclusions is under the section titled \"Exclusions.\" Many policies contain more than one list of exclusions. For instance, the standard business owners\' policy contains two sets of exclusions, one for property and another for liability. Some policies also contain a separate list of exclusions that apply to all coverages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many policies contain one or more sections entitled \"limitations\". A limitation is a partial exclusion and narrows the scope of coverage for a covered risk. For instance, theft is a covered peril under the standard business owners\' policy, but theft losses involving furs, jewelry, and other valuable items are subject to a $2,500 limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-49\">Alternate Locations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-51\">Exclusionary provisions can be found in other parts of the policy, not just the Exclusions section. One of the most common places for them to appear is in the policy \"Definitions.\" Insurers define terms to attach specific meanings to them and narrow the scope of interpretation. For example, the standard business auto policy defines the word \"auto\" as a land motor vehicle, trailer, or semi-trailer designed for travel on public roads. The definition excludes mobile equipment, which is also a defined term that encompasses a broad array of machinery and equipment.89</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another place where exclusions can be found is in the policy \"Conditions\" section. For instance, the standard business auto policy contains a provision that essentially excludes accidents that occur outside the defined \"coverage territory.\" This provision appears in the general Conditions section, not the Definitions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Finally, many insurers add exclusions to policies by attaching endorsements to preprinted forms. An endorsement may add a new exclusion or modify an existing one.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','The Purpose of Business Insurance Exclusions','','inherit','closed','closed','','1874-revision-v1','','','2021-08-10 18:34:16','2021-08-10 18:34:16','',1874,'http://smartinsurance.tips/?p=1879',0,'revision','',0),(1903,1,'2021-08-28 02:13:56','2021-08-28 02:13:56','<!-- wp:gallery {\"ids\":[1853],\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery columns-1 is-cropped\"><ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><figure><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-6-1024x536.png\" alt=\"\" data-id=\"1853\" data-full-url=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-6.png\" data-link=\"http://smartinsurance.tips/how-wifi-calling-benefits-your-business/my-post-6-5/\" class=\"wp-image-1853\"/></figure></li></ul></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Technology has changed the way businesses make voice calls. Wi-Fi calling can help certain entrepreneurs and offices cut their traditional phone lines, saving money and making the most of the resources they already have. If you’re interested in learning more about Wi-Fi calls, here’s a beginner’s guide.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What is Wi-Fi Calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling is a mobile phone feature that allows you to text and make voice calls using your phone’s Wi-Fi connection instead of your traditional cellular network. It’s available on most major smartphones, including iPhone and Android phones.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You simply have to enable WiFi calling in your phone’s settings and have access to a WiFi connection to use this feature. The exact process varies by device. Additionally, there are some third party apps that allow users to make WiFi calls, like Facebook Messenger and WhatsApp.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What is the Point of Wi-Fi Calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Cellular networks don’t cover every area, and they occasionally have outages. With WiFi calling, you can use the WiFi connection at your home or business as a backup. This prevents you from dropping calls and allows you to stay in touch even when your cellular service fails.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, you can make calls in an area with spotty reception. You can even send texts on airplanes using WiFi. Technically, you could even make voice and video calls on planes as well, but most airlines prohibit this. WiFi calling may also come in handy for those who have met the limits of their cellular plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi Calling Free?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calls within the U.S. are generally free, as long as you have a device that supports this feature. It’s included on popular Android smartphones and iPhones. However, you may need to pay for your own wireless network at home or at the office. If you plan to make WiFi calls on the road, you may need to purchase a hotspot, which often retails for between $20 and $50.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>11 Ways Wi-Fi Calling Will Benefit Your Business</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calling generally allows people to be more connected. In today’s mobile business environment, the importance of this cannot be overstated. Here are some specific benefits for business owners to consider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>1. You can Make Calls in Areas with Low Cellular Connection</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Today, people generally expect access to cellular service just about everywhere. However, there are still areas with limited coverage. And no business owner wants to find themselves in a dead zone when they have an important call or video meeting scheduled.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are some places where you may need WiFi calling to communicate:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Trains or public transit</li><li>Dead zones in offices (This is especially common in concrete buildings)</li><li>Elevators</li><li>Basement home offices</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>2. Making Wi-Fi Calls Saves Time</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you’re in an area with little or no cell reception, traditional calls may get dropped. This doesn’t just look unprofessional; it can waste precious meeting time. With WiFi calling, your calls won’t get dropped as long as you have a reliable connection. So you can spend more time communicating and less time dealing with technology.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>3. No App Download is Needed</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Smartphones have apps for just about everything. But these take valuable space on your device and require extra steps that many entrepreneurs don’t have time for. WiFi calling is already available on most devices. So it’s easy to get started and use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>4. Making Calls over WiFi Does not Use any Talk Time</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most cell phone plans only have a certain amount of talk time each month. If you make a lot of voice calls, you may have to pay extra fees or purchase a plan with more time. However, WiFi calls don’t contribute to this number. So if you’re low on minutes for the rest of the month, they can help you save money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>5. It Results in Better Quality Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Call quality can make your business look more professional. If you both have a strong WiFi connection, this option may help you both hear more clearly. This allows you to be more productive and focused as you communicate. It also limits disruptions and shows clients or potential partners that you’re willing to invest in quality communication solutions for your business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>6. A Wi-Fi Call Uses Your Phone Number</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling doesn’t require a separate line or number. So you don’t need to confuse contacts by giving them multiple ways of contacting you. And when you get in touch with others, they should always know who is calling. Basically, it’s a really simple solution when you don’t want to use a regular cellular connection. If, however, you want a dedicated number, there are apps that give you a phone number. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>7. It Includes No Add On Services</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You also don’t need an extra plan or service to take advantage of this feature. Simply enable Wi-Fi calling or put your phone in airplane mode and it should work automatically.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>8. It Is Supported by Most Phones</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you have a smartphone, it probably already comes with this feature. So you don’t need to purchase a new device or do extensive research when it’s time for an update. This also means that the majority of your team and the people you call should have access to Wi-Fi calling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>What phones support Wi-Fi calling?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most current smartphones use Wi-Fi calling. Here are some popular ones:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Apple iPhone 6 and later</li><li>Samsung Galaxy A01 and later</li><li>Google Pixel</li><li>Microsoft Lumia</li><li>Motorola Moto phones</li><li>LG Fortune, Escape, Harmony, and Stylo</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>9. Video Calls Can be Like Regular Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most smartphones can also host video calls. And with Wi-Fi calling, you can use this feature just as you would with a voice call – just enable your phone’s video call feature (i.e. FaceTime for iPhones). This can be less complicated than setting up brand new VoIP calls or video streams to host these conferences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>10. There are No Fees for Incoming Calls on a Wi-Fi Network</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calling is generally free within the U.S. And it’s always free when you receive calls. So you don’t need to factor extra money into your communication budget if you already pay for a wireless network.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>11. You Can Also Send Text Messages Over Wi-Fi</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A strong Wi-Fi network doesn’t just give you access to voice calls. You can also send text messages to team members, partners, and clients. This is perfect if you just need to send a quick update or ask a simple question while on the go.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Things to Note Before Using Wi-Fi Calling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The pros of Wi-Fi calling almost certainly outweigh the cons for many business users. But it’s not right for every situation. Here are some things to consider before relying on Wi-Fi for any important upcoming phone calls.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Weak Wi-Fi Connection Equals Problems</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Just as weak cellular coverage may lead to dropped calls or low quality, so can a weak Wi-Fi signal. Internet signal strength varies based on your distance from a router, the amount of people connected, and any potential obstructions. This can be especially relevant for those in large offices where the router is far away or near concrete walls or appliances, which can block the signal. Get to know the spots in your home and/or office where the signal is strongest (often close to the router) and use those for important Wi-Fi phone calls.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>There are Restrictions on International Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling within the U.S. is usually free. But you may have to pay for international calls, since these are not technically made using only Wi-Fi. For example, T-Mobile customers may pay $0.25 per minute when roaming. It’s the same for Wi-Fi calls as it is for traditional cellular phone calls. Specific rates vary based on your international calling plan. So get to know these rates to avoid surprises when calling internationally.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Not All Phones Have a Wi-Fi Calling Feature</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most modern smartphones have Wi-Fi calling. And all the major U.S. carriers support it on these devices. But it’s not included on older cell phones or office phones. If you or the person you’re calling doesn’t have a device that supports this feature, it may not be an option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>How to Set up and Enable Wi-Fi Calling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Not all phones have a Wi-Fi calling feature. And those that do generally don’t come with it automatically enabled. So before you make a Wi-Fi call, you’ll need to make sure your phone is HD voice-enabled and connected to a Wi-Fi network. Then you must enable Wi-Fi calling before making your first call or text. Here’s how to do that on some of today’s most popular devices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>How to Setup WiFi Calling on Android Devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most modern Android phones make it easy to set up Wi-Fi calling. Before you can make phone calls using Wi-Fi, you simply need to enable the feature on your device. This allows you to call or text where no service is available or when your phone is in airplane mode, which stops it from connecting to a cellphone tower. Here’s how to do this on an Android phone:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Go to your phone’s settings section and select Networks &amp; Internet</li><li>Click the mobile network option</li><li>Turn on Wi-Fi</li><li>Click the Advanced settings option</li><li>Scroll down to where it says “Wi-Fi calling,” toggle on the option</li><li>Enter your emergency address when prompted, since emergency services don’t automatically get your location if you call using Wi-Fi</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>How to Set up Wi-Fi Calling on iPhone Devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>For those with an Apple device, making calls with Wi-Fi instead of cellular service is automatic as long as you activate this feature first. If you have an iPhone, here are the steps needed to enable Wi-Fi calling on your wireless device.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Go to your phone’s settings and select “Phone”</li><li>Scroll down to where it says WiFi Calling and toggle it on</li><li>Enter or confirm your address in case you need to make emergency calls</li><li>Connect to a WiFi network</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2>How to Make a Call with the Wi-Fi Calling Feature</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Once you enable Wi-Fi calling, you don’t have to take many special steps to make calls. The exact process varies by device. But here’s a basic guide:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Activate Wi-Fi calling in your phone’s settings</li><li>Connect to a Wi-Fi network</li><li>Dial or text as usual</li><li>If you’re making an emergency call, provide your location either in your phone’s settings or at the beginning of the call.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2>How do I use Wi-Fi calling on my Samsung phone?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Popular Samsung phones like the Galaxy series generally include Wi-Fi calling if purchased within the last several years. Each specific phone may vary a bit, but here’s usually how it works:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Tap the three vertical dots in your phone app</li><li>Go to Settings and tap Wi-Fi Calling</li><li>Toggle the switch over to turn the feature on</li><li>Certain phones also allow you to activate Wi-Fi Calling from the Quick Settings Panel</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2><strong>What’s the difference between cellular data and Wi-Fi calling?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Both cellular data and Wi-Fi allow you to connect to the internet on your phone. However, when you connect using your cellular network, it comes from the monthly allowance you signed up for with your phone provider. Some plans offer unlimited data with text and voice calling, but many have limits. And you’ll usually pay overage charges if you surpass them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When you use Wi-Fi calling, it doesn’t come out of your phone plan. You just need to be connected to a Wi-Fi network at your home or business. Cellular calls are often better if you have a strong signal. But Wi-Fi calls are preferred if your cell signal is weak or if you’re over your monthly cellular allowance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Do I want Wi-Fi calling on or off?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling is generally a good idea in areas where you have a strong Wi-Fi signal but spotty access to your cellular network. For example, you might enable it on public transit or office dead zones. But your cellular coverage is likely stronger in other areas, so you may toggle it off in those instances. You can easily turn Wi-Fi calling on and off. So try it both ways and see what works best for you in various instances. Generally, it’s best to turn Wi-Fi calling off before making emergency calls. But many carriers will automatically connect you to a cell tower when you make an emergency call, if a signal is available.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Wi-Fi calling save your battery life?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes. When you call with Wi-Fi, your phone only needs to send a signal to your router, which is likely close by. When you call with cell service, your phone needs to reach the nearest cell tower, which is almost always further away. This may not make a huge difference for most users. But it can be noticeable for those who are far from cell towers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Do Wi-Fi calls show on your phone bill?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calls sometimes show up on your phone bill, but not always. If you are connected to a Wi-Fi network at your home or office, then the Wi-Fi call likely will not appear on your bill. You simply pay your internet carrier for access. And that allows you to make calls when you’re on the same network. However, if you aren’t connected to an outside network, you’ll use your phone’s data plan, which does appear on your phone bill.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Wi-Fi calling work without a SIM?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes, you can make a Wi-Fi call on a device without a SIM card. All you need is a phone that has Wi-Fi calling capabilities and access to the internet. If you purchased a smartphone in the U.S. within the past five years, it likely has the ability to make Wi-Fi calling work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi calling better than 4G?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling lets you place calls and texts without access to a cellular connection. Calling with 4G does require you to be close to a cell tower. Some Wi-Fi calls get slightly delayed if the connection isn’t strong. But this feature does let you make calls in areas with limited cell service. It can also keep your cell phone bill reasonable if you’re always near the limits of your cellular data usage. Generally, Wi-Fi calling is helpful as long as you have access to a strong internet connection. But 4G may be better if you’re always out and about, or if you travel or call internationally, since overseas Wi-Fi calling isn’t free.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi calling the same as VoLTE?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>No, VoLTE still requires access to a cell signal, while Wi-Fi calling does not. VoLTE stands for voice over long-term evolution. This means you can use it to place voice calls using your phone’s signal. It aims to be faster than other types of signals like 3G. And you don’t need to be connected to a Wi-Fi signal at your home or office to use it. With Wi-Fi calling, you do need access to the internet, but you don’t need to be close to a cell phone tower to place a voice call or text.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is there an app for free Wi-Fi calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You do not need a third party app to place Wi-Fi calls. It is a feature that comes standard with most phones, including iPhones and Android devices. Carriers like Verizon and T-Mobile also support this capability without outside apps. Just enable the feature in your phone’s settings to use it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, there are apps you can use to place Wi-Fi calls, like Google Voice, Skype, Tango, and Fring. These generally offer advanced features like international Wi-Fi calling or the ability to call from other devices like laptops.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Can I still make calls to emergency services using Wi-Fi calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes, you can place emergency calls using Wi-Fi calling if you are not connected to a cellular network. This is a useful feature for business users because it allows you to keep your workplace safe even if there’s a spotty cell signal. It can also be useful for those who regularly travel, since you may sometimes end up far away from cell towers, or on trains or public transit systems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, most carriers will automatically connect you to your cell signal when placing an emergency call if their network is available. When you’re connected via cell service, emergency services can access your location in case you’re unsure or the call gets cut off. This feature is not available when you use Wi-Fi calling. To ensure safety and fast response times when using Wi-Fi calling, give your location right away and add your address to your device when prompted.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://smallbiztrends.com/2021/07/wifi-calling.html\">click here</a>.</p>\n<!-- /wp:paragraph -->','How Wi-Fi Calling Benefits Your Business?','','inherit','closed','closed','','1850-revision-v1','','','2021-08-28 02:13:56','2021-08-28 02:13:56','',1850,'http://smartinsurance.tips/?p=1903',0,'revision','',0),(1884,1,'2021-08-11 19:15:44','2021-08-11 19:15:44','<!-- wp:divi/placeholder /-->','Does Homeowners Insurance Cover Smoke Damage?','','publish','open','open','','does-homeowners-insurance-cover-smoke-damage','','','2021-08-11 19:15:46','2021-08-11 19:15:46','',0,'http://smartinsurance.tips/?p=1884',0,'post','',0),(1885,1,'2021-08-11 19:15:44','2021-08-11 19:15:44','<!-- wp:divi/placeholder /-->','Does Homeowners Insurance Cover Smoke Damage?','','inherit','closed','closed','','1884-revision-v1','','','2021-08-11 19:15:44','2021-08-11 19:15:44','',1884,'http://smartinsurance.tips/?p=1885',0,'revision','',0),(1886,1,'2021-08-11 19:15:57','2021-08-11 19:15:57','','Does Homeowners Insurance Cover Smoke Damage?','','inherit','closed','closed','','1884-autosave-v1','','','2021-08-11 19:15:57','2021-08-11 19:15:57','',1884,'http://smartinsurance.tips/?p=1886',0,'revision','',0),(1898,1,'2021-08-27 21:55:55','2021-08-27 21:55:55','<!-- wp:image {\"id\":1843,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-3-1024x536.png\" alt=\"\" class=\"wp-image-1843\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>You may have heard the rumour that you can only be an investor if you’ve got six figures in the bank.&nbsp;But that’s a total myth.&nbsp;Everyone can find some way to invest their cash and start to grow their wealth.We’ll look at some of the simplest ways to invest under $1,000, whether you’re looking to make your stock market investment debut or want to build up your rainy-day fund.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>The Small Investment Boom</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Small investments are growing&nbsp;<em>massively</em>&nbsp;in popularity.&nbsp;As a global population, we have more access to tools like share-trading apps than ever before:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>The BBC&nbsp;highlights how investment app accounts have grown by 130% between 2020 and 2021.</li><li>With a lack of consumer spending opportunities during the pandemic, millions of people have had extra funds to invest with.</li><li>Younger men and women are far more conscious of their financial futures, looking for ways to prepare for retirement in their 20s, especially after many suffered reductions in their hours during lockdown.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Financial security is the golden ticket to a life well-lived, so it’s beneficial that so many people are choosing to be proactive with their cash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Making Smart Investments With Under $1,000</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Before discussing our top five investments, we must mention the need to balance out your risk exposure. If you’re looking for an all or nothing, double or bust investment, you’re taking on a considerable burden of risk – with no assurance of winning big. Lower risk means lower rewards, but has the benefit of reduced exposure to sudden market crashes or devaluations. Services like a high yield savings account are an excellent choice for investors who aren’t interested in exposing themselves to risk and aren’t reliant on massive returns to finance their everyday living costs. Whether you like high-risk or low-risk investments, you can get in on the action without losing your life savings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Five Top Options For Small Investment Values&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Now onto the good stuff, here are our top picks for investments that don’t require large amounts of money but offer exciting returns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>1. High-Yield Savings Accounts</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>First up, the savings account – an investment option where you can earn up to about 1.7% in interest without putting your money on the line.&nbsp;If you’re not getting close to those returns (and you won’t with most conventional banks), you’ve got an easy opportunity to increase your savings.&nbsp;High-yield accounts allow you to safely grow your savings, often with a rate that beats inflation, so you don’t have to worry about your money depreciating over time.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>2. Employer Retirement Plans/401(k)</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>We get it – a retirement fund isn’t the sexiest investment option, but it’s got a stack of compelling advantages.&nbsp;If we recommended an investment with a guaranteed $0.50 return on every dollar you pay in, you’d jump at the chance.&nbsp;That’s what you’re looking at with a 401(k) or comparable employer-sponsored retirement plan.&nbsp;You don’t need to be a high-flyer to invest and can kick off with just 1% of your regular paycheck.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>3. Low-Fee Index Funds</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Next up, let’s look at index funds.&nbsp;An index fund is made up of multiple different companies and tracks the market index, so it’s a bit like a mutual fund but automated.&nbsp;This passive investment doesn’t carry huge fees (although look at the charges before making any decisions!), and you can often invest with as little as $100 for your initial deposit.&nbsp;Index funds can be built up of companies within a specific region, such as a US based fund, different market sectors, like IT and Healthcare, or even emerging markets, which often see more fluctuations in their value, but carry the potential for large returns.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>4. Investment Apps</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>&nbsp;If you’re new to investing, you can choose an investment app.&nbsp;These tend to use AI to either make Robo-investments or ask you to select from a range of products.&nbsp;There are lots of options:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Some will link with your debit and credit accounts and round up spending to create a balance that’s auto invested in a range of exchange-traded funds (ETFs).</li><li>Others work like an investment coach, showing you options to build a portfolio of stocks and ETFs, usually with a $5 minimum stock investment.&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>However, there’s a slight caveat here because not all investment apps are created equal.&nbsp;Keep an eye on the fee structure here because they vary a lot.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>5. Individual Retirement Accounts (IRAs)</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>An IRA is often worth maxing out before thinking about an investment app. There are a host of perks here that usually outperform other options. You can open an IRA with a bank, and can often link it to your checking or savings account, but you can also open one through a broker or via a Robo-advisor. IRAs allow you to invest in both stocks, bonds, mutual funds, and some even now allow cryptocurrencies. There are annual caps to how much you can invest into your IRA (up to $6,000), and you can’t withdraw your cash before the age of 59 without facing some financial penalties, barring a few exceptions. However, contributions are tax-deductible, so it’s an efficient way to save for retirement if you only have a small amount to invest now, but know that you’ll be adding to it monthly for years to come.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Final Thoughts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>No matter where you are with your finances, you can find a way to invest your money, and these five options are a great place to start. Long term financial health is often less about how much money you make, and more about what you do with your money on a regular basis. Never forget the power of compound interest, especially over the long run.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.finance-monthly.com/2021/07/the-5-best-ways-to-invest-small-amounts-of-money/\">click here</a>.</p>\n<!-- /wp:paragraph -->','The 5 Best Ways To Invest Small Amounts Of Money','','inherit','closed','closed','','1840-revision-v1','','','2021-08-27 21:55:55','2021-08-27 21:55:55','',1840,'http://smartinsurance.tips/?p=1898',0,'revision','',0),(1890,1,'2021-08-19 21:36:27','2021-08-19 21:36:27','<!-- wp:divi/placeholder /-->','The Purpose of Business Insurance Exclusions','','inherit','closed','closed','','1889-revision-v1','','','2021-08-19 21:36:27','2021-08-19 21:36:27','',1889,'http://smartinsurance.tips/?p=1890',0,'revision','',0),(1891,1,'2021-08-19 21:36:48','2021-08-19 21:36:48','','My-Post-17','','inherit','open','closed','','my-post-17-3','','','2021-08-19 21:36:48','2021-08-19 21:36:48','',1889,'http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-17.png',0,'attachment','image/png',0),(1892,1,'2021-08-19 21:37:06','2021-08-19 21:37:06','<!-- wp:image {\"id\":1891,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-17-1024x536.png\" alt=\"\" class=\"wp-image-1891\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-1\">Exclusions are provisions in business insurance policies that eliminate coverage for certain types of property, perils, situations, or hazards. Risks described in exclusions aren’t covered by the policy. Insurers utilize exclusions to remove coverage for hazards they’re unwilling to insure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-3\">Reasons to Exclude Risks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Insurance policy exclusions serve various purposes, but most apply to risks that fall into one of the categories described below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-8\">Catastrophic Events</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-10\">Some risks are uninsurable because they are catastrophic events. An example is war. If a war breaks out and a bomb damages your business property, your commercial property policy won’t cover the loss. Virtually all property policies exclude damage caused by war and military action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Some catastrophic events can be insured by specialized coverage. Examples are floods and earthquakes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-15\">Covered by Another Policy</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">Many risks are excluded under one type of policy because they are covered by another. For instance, auto liability claims are excluded under a general liability policy because they are covered by a commercial auto policy. Similarly, liability and auto policies exclude any benefits the employer is obligated to pay under a workers’ compensation law, since such benefits are covered by workers’ compensation insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-20\">Maintenance Issues</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">Some risks, such as wear and tear, are excluded because they are naturally occurring events that can be controlled by the policyholder through proper maintenance.45 Damage caused by wear and tear is excluded from both commercial property policies and auto physical damage insurance. Other risks that can be controlled through regular maintenance are rust, corrosion, and insect infestations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-25\">Against Public Policy</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">Many insurance policies exclude crimes, violations of the law, and intentionally caused injuries because insuring them would be against public policy. For this reason, liability policies don’t cover claims arising from the insured’s intentional, harmful acts like firing a gun or committing fraud.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-29\">Exclusion Exceptions and Buybacks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Many exclusions contain exceptions that give back a limited amount of coverage. An example is the contractual liability exclusion in the standard general liability policy, which excludes liability assumed under a contract. An exception to the exclusion provides coverage for liability assumed under an insured contract (a defined term in the policy).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some exclusions can be eliminated if you’re willing to pay an additional premium. For instance, the standard general liability policy excludes claims arising out of injuries inflicted by one employee against another. Many businesses buy back coverage for co-employee claims by purchasing fellow employee coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-36\">Watch for Changes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">Policy forms aren’t cast in stone.&nbsp;The Insurance Services Office (ISO) updates the standard commercial policy forms every few years. Insurers often follow suit, incorporating the changes the ISO has made into their proprietary forms. When the ISO or an insurer revises a form, it may add new exclusions or modify existing ones. A new exclusion generally means a reduction in coverage, while an exclusion modification may broaden or restrict coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Warning: Many states have laws requiring insurers to notify policyholders in advance if renewal policies contain exclusions or other restrictions not found in expiring policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-42\">Where to Look for Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-44\">An obvious place to look for policy exclusions is under the section titled “Exclusions.” Many policies contain more than one list of exclusions. For instance, the standard business owners’ policy contains two sets of exclusions, one for property and another for liability. Some policies also contain a separate list of exclusions that apply to all coverages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many policies contain one or more sections entitled “limitations”. A limitation is a partial exclusion and narrows the scope of coverage for a covered risk. For instance, theft is a covered peril under the standard business owners’ policy, but theft losses involving furs, jewelry, and other valuable items are subject to a $2,500 limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-49\">Alternate Locations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-51\">Exclusionary provisions can be found in other parts of the policy, not just the Exclusions section.&nbsp;One of the most common places for them to appear is in the policy “Definitions.” Insurers define terms to attach specific meanings to them and narrow the scope of interpretation. For example, the standard business auto policy defines the word “auto” as a land motor vehicle, trailer, or semi-trailer designed for travel on public roads. The definition excludes mobile equipment, which is also a defined term that encompasses a broad array of machinery and equipment.89</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another place where exclusions can be found is in the policy “Conditions” section. For instance, the standard business auto policy contains a provision that essentially excludes accidents that occur outside the defined “coverage territory.” This provision appears in the general Conditions section, not the Definitions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Finally, many insurers add exclusions to policies by attaching endorsements to preprinted forms. An endorsement may add a new exclusion or modify an existing one.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','The Purpose of Business Insurance Exclusions','','inherit','closed','closed','','1889-revision-v1','','','2021-08-19 21:37:06','2021-08-19 21:37:06','',1889,'http://smartinsurance.tips/?p=1892',0,'revision','',0),(1896,1,'2021-08-19 22:02:11','2021-08-19 22:02:11','<!-- wp:gallery {\"ids\":[1853],\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery columns-1 is-cropped\"><ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><figure><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-6-1024x536.png\" alt=\"\" data-id=\"1853\" data-full-url=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-6.png\" data-link=\"http://smartinsurance.tips/how-wifi-calling-benefits-your-business/my-post-6-5/\" class=\"wp-image-1853\"/></figure></li></ul></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Technology has changed the way businesses make voice calls. Wi-Fi calling can help certain entrepreneurs and offices cut their traditional phone lines, saving money and making the most of the resources they already have. If you’re interested in learning more about Wi-Fi calls, here’s a beginner’s guide.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What is Wi-Fi Calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling is a mobile phone feature that allows you to text and make voice calls using your phone’s Wi-Fi connection instead of your traditional cellular network. It’s available on most major smartphones, including iPhone and Android phones.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You simply have to enable WiFi calling in your phone’s settings and have access to a WiFi connection to use this feature. The exact process varies by device. Additionally, there are some third party apps that allow users to make WiFi calls, like Facebook Messenger and WhatsApp.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What is the Point of Wi-Fi Calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Cellular networks don’t cover every area, and they occasionally have outages. With WiFi calling, you can use the WiFi connection at your home or business as a backup. This prevents you from dropping calls and allows you to stay in touch even when your cellular service fails.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, you can make calls in an area with spotty reception. You can even send texts on airplanes using WiFi. Technically, you could even make voice and video calls on planes as well, but most airlines prohibit this. WiFi calling may also come in handy for those who have met the limits of their cellular plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi Calling Free?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calls within the U.S. are generally free, as long as you have a device that supports this feature. It’s included on popular Android smartphones and iPhones. However, you may need to pay for your own wireless network at home or at the office. If you plan to make WiFi calls on the road, you may need to purchase a hotspot, which often retails for between $20 and $50.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>11 Ways Wi-Fi Calling Will Benefit Your Business</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calling generally allows people to be more connected. In today’s mobile business environment, the importance of this cannot be overstated. Here are some specific benefits for business owners to consider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>1. You can Make Calls in Areas with Low Cellular Connection</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Today, people generally expect access to cellular service just about everywhere. However, there are still areas with limited coverage. And no business owner wants to find themselves in a dead zone when they have an important call or video meeting scheduled.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are some places where you may need WiFi calling to communicate:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Trains or public transit</li><li>Dead zones in offices (This is especially common in concrete buildings)</li><li>Elevators</li><li>Basement home offices</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>2. Making Wi-Fi Calls Saves Time</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you’re in an area with little or no cell reception, traditional calls may get dropped. This doesn’t just look unprofessional; it can waste precious meeting time. With WiFi calling, your calls won’t get dropped as long as you have a reliable connection. So you can spend more time communicating and less time dealing with technology.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>3. No App Download is Needed</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Smartphones have apps for just about everything. But these take valuable space on your device and require extra steps that many entrepreneurs don’t have time for. WiFi calling is already available on most devices. So it’s easy to get started and use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>4. Making Calls over WiFi Does not Use any Talk Time</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most cell phone plans only have a certain amount of talk time each month. If you make a lot of voice calls, you may have to pay extra fees or purchase a plan with more time. However, WiFi calls don’t contribute to this number. So if you’re low on minutes for the rest of the month, they can help you save money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>5. It Results in Better Quality Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Call quality can make your business look more professional. If you both have a strong WiFi connection, this option may help you both hear more clearly. This allows you to be more productive and focused as you communicate. It also limits disruptions and shows clients or potential partners that you’re willing to invest in quality communication solutions for your business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>6. A Wi-Fi Call Uses Your Phone Number</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling doesn’t require a separate line or number. So you don’t need to confuse contacts by giving them multiple ways of contacting you. And when you get in touch with others, they should always know who is calling. Basically, it’s a really simple solution when you don’t want to use a regular cellular connection. If, however, you want a dedicated number, there are apps that give you a phone number. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>7. It Includes No Add On Services</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You also don’t need an extra plan or service to take advantage of this feature. Simply enable Wi-Fi calling or put your phone in airplane mode and it should work automatically.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>8. It Is Supported by Most Phones</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you have a smartphone, it probably already comes with this feature. So you don’t need to purchase a new device or do extensive research when it’s time for an update. This also means that the majority of your team and the people you call should have access to Wi-Fi calling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>What phones support Wi-Fi calling?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most current smartphones use Wi-Fi calling. Here are some popular ones:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Apple iPhone 6 and later</li><li>Samsung Galaxy A01 and later</li><li>Google Pixel</li><li>Microsoft Lumia</li><li>Motorola Moto phones</li><li>LG Fortune, Escape, Harmony, and Stylo</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>9. Video Calls Can be Like Regular Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most smartphones can also host video calls. And with Wi-Fi calling, you can use this feature just as you would with a voice call – just enable your phone’s video call feature (i.e. FaceTime for iPhones). This can be less complicated than setting up brand new VoIP calls or video streams to host these conferences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>10. There are No Fees for Incoming Calls on a Wi-Fi Network</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calling is generally free within the U.S. And it’s always free when you receive calls. So you don’t need to factor extra money into your communication budget if you already pay for a wireless network.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>11. You Can Also Send Text Messages Over Wi-Fi</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A strong Wi-Fi network doesn’t just give you access to voice calls. You can also send text messages to team members, partners, and clients. This is perfect if you just need to send a quick update or ask a simple question while on the go.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Things to Note Before Using Wi-Fi Calling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The pros of Wi-Fi calling almost certainly outweigh the cons for many business users. But it’s not right for every situation. Here are some things to consider before relying on Wi-Fi for any important upcoming phone calls.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Weak Wi-Fi Connection Equals Problems</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Just as weak cellular coverage may lead to dropped calls or low quality, so can a weak Wi-Fi signal. Internet signal strength varies based on your distance from a router, the amount of people connected, and any potential obstructions. This can be especially relevant for those in large offices where the router is far away or near concrete walls or appliances, which can block the signal. Get to know the spots in your home and/or office where the signal is strongest (often close to the router) and use those for important Wi-Fi phone calls.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>There are Restrictions on International Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling within the U.S. is usually free. But you may have to pay for international calls, since these are not technically made using only Wi-Fi. For example, T-Mobile customers may pay $0.25 per minute when roaming. It’s the same for Wi-Fi calls as it is for traditional cellular phone calls. Specific rates vary based on your international calling plan. So get to know these rates to avoid surprises when calling internationally.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Not All Phones Have a Wi-Fi Calling Feature</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most modern smartphones have Wi-Fi calling. And all the major U.S. carriers support it on these devices. But it’s not included on older cell phones or office phones. If you or the person you’re calling doesn’t have a device that supports this feature, it may not be an option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>How to Set up and Enable Wi-Fi Calling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Not all phones have a Wi-Fi calling feature. And those that do generally don’t come with it automatically enabled. So before you make a Wi-Fi call, you’ll need to make sure your phone is HD voice-enabled and connected to a Wi-Fi network. Then you must enable Wi-Fi calling before making your first call or text. Here’s how to do that on some of today’s most popular devices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>How to Setup WiFi Calling on Android Devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most modern Android phones make it easy to set up Wi-Fi calling. Before you can make phone calls using Wi-Fi, you simply need to enable the feature on your device. This allows you to call or text where no service is available or when your phone is in airplane mode, which stops it from connecting to a cellphone tower. Here’s how to do this on an Android phone:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Go to your phone’s settings section and select Networks &amp; Internet</li><li>Click the mobile network option</li><li>Turn on Wi-Fi</li><li>Click the Advanced settings option</li><li>Scroll down to where it says “Wi-Fi calling,” toggle on the option</li><li>Enter your emergency address when prompted, since emergency services don’t automatically get your location if you call using Wi-Fi</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>How to Set up Wi-Fi Calling on iPhone Devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>For those with an Apple device, making calls with Wi-Fi instead of cellular service is automatic as long as you activate this feature first. If you have an iPhone, here are the steps needed to enable Wi-Fi calling on your wireless device.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Go to your phone’s settings and select “Phone”</li><li>Scroll down to where it says WiFi Calling and toggle it on</li><li>Enter or confirm your address in case you need to make emergency calls</li><li>Connect to a WiFi network</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2>How to Make a Call with the Wi-Fi Calling Feature</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Once you enable Wi-Fi calling, you don’t have to take many special steps to make calls. The exact process varies by device. But here’s a basic guide:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Activate Wi-Fi calling in your phone’s settings</li><li>Connect to a Wi-Fi network</li><li>Dial or text as usual</li><li>If you’re making an emergency call, provide your location either in your phone’s settings or at the beginning of the call.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2>How do I use Wi-Fi calling on my Samsung phone?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Popular Samsung phones like the Galaxy series generally include Wi-Fi calling if purchased within the last several years. Each specific phone may vary a bit, but here’s usually how it works:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Tap the three vertical dots in your phone app</li><li>Go to Settings and tap Wi-Fi Calling</li><li>Toggle the switch over to turn the feature on</li><li>Certain phones also allow you to activate Wi-Fi Calling from the Quick Settings Panel</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2><strong>What’s the difference between cellular data and Wi-Fi calling?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Both cellular data and Wi-Fi allow you to connect to the internet on your phone. However, when you connect using your cellular network, it comes from the monthly allowance you signed up for with your phone provider. Some plans offer unlimited data with text and voice calling, but many have limits. And you’ll usually pay overage charges if you surpass them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When you use Wi-Fi calling, it doesn’t come out of your phone plan. You just need to be connected to a Wi-Fi network at your home or business. Cellular calls are often better if you have a strong signal. But Wi-Fi calls are preferred if your cell signal is weak or if you’re over your monthly cellular allowance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Do I want Wi-Fi calling on or off?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling is generally a good idea in areas where you have a strong Wi-Fi signal but spotty access to your cellular network. For example, you might enable it on public transit or office dead zones. But your cellular coverage is likely stronger in other areas, so you may toggle it off in those instances. You can easily turn Wi-Fi calling on and off. So try it both ways and see what works best for you in various instances. Generally, it’s best to turn Wi-Fi calling off before making emergency calls. But many carriers will automatically connect you to a cell tower when you make an emergency call, if a signal is available.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Wi-Fi calling save your battery life?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes. When you call with Wi-Fi, your phone only needs to send a signal to your router, which is likely close by. When you call with cell service, your phone needs to reach the nearest cell tower, which is almost always further away. This may not make a huge difference for most users. But it can be noticeable for those who are far from cell towers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Do Wi-Fi calls show on your phone bill?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calls sometimes show up on your phone bill, but not always. If you are connected to a Wi-Fi network at your home or office, then the Wi-Fi call likely will not appear on your bill. You simply pay your internet carrier for access. And that allows you to make calls when you’re on the same network. However, if you aren’t connected to an outside network, you’ll use your phone’s data plan, which does appear on your phone bill.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Wi-Fi calling work without a SIM?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes, you can make a Wi-Fi call on a device without a SIM card. All you need is a phone that has Wi-Fi calling capabilities and access to the internet. If you purchased a smartphone in the U.S. within the past five years, it likely has the ability to make Wi-Fi calling work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi calling better than 4G?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling lets you place calls and texts without access to a cellular connection. Calling with 4G does require you to be close to a cell tower. Some Wi-Fi calls get slightly delayed if the connection isn’t strong. But this feature does let you make calls in areas with limited cell service. It can also keep your cell phone bill reasonable if you’re always near the limits of your cellular data usage. Generally, Wi-Fi calling is helpful as long as you have access to a strong internet connection. But 4G may be better if you’re always out and about, or if you travel or call internationally, since overseas Wi-Fi calling isn’t free.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi calling the same as VoLTE?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>No, VoLTE still requires access to a cell signal, while Wi-Fi calling does not. VoLTE stands for voice over long-term evolution. This means you can use it to place voice calls using your phone’s signal. It aims to be faster than other types of signals like 3G. And you don’t need to be connected to a Wi-Fi signal at your home or office to use it. With Wi-Fi calling, you do need access to the internet, but you don’t need to be close to a cell phone tower to place a voice call or text.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is there an app for free Wi-Fi calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You do not need a third party app to place Wi-Fi calls. It is a feature that comes standard with most phones, including iPhones and Android devices. Carriers like Verizon and T-Mobile also support this capability without outside apps. Just enable the feature in your phone’s settings to use it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, there are apps you can use to place Wi-Fi calls, like Google Voice, Skype, Tango, and Fring. These generally offer advanced features like international Wi-Fi calling or the ability to call from other devices like laptops.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Can I still make calls to emergency services using Wi-Fi calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes, you can place emergency calls using Wi-Fi calling if you are not connected to a cellular network. This is a useful feature for business users because it allows you to keep your workplace safe even if there’s a spotty cell signal. It can also be useful for those who regularly travel, since you may sometimes end up far away from cell towers, or on trains or public transit systems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, most carriers will automatically connect you to your cell signal when placing an emergency call if their network is available. When you’re connected via cell service, emergency services can access your location in case you’re unsure or the call gets cut off. This feature is not available when you use Wi-Fi calling. To ensure safety and fast response times when using Wi-Fi calling, give your location right away and add your address to your device when prompted.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://smallbiztrends.com/2021/07/wifi-calling.html\">click here</a>.</p>\n<!-- /wp:paragraph -->','How Wi-Fi Calling Benefits Your Business','','inherit','closed','closed','','1850-revision-v1','','','2021-08-19 22:02:11','2021-08-19 22:02:11','',1850,'http://smartinsurance.tips/?p=1896',0,'revision','',0),(1893,1,'2021-08-19 21:42:01','2021-08-19 21:42:01','<!-- wp:gallery {\"ids\":[1853],\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery columns-1 is-cropped\"><ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><figure><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-6-1024x536.png\" alt=\"\" data-id=\"1853\" data-full-url=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-6.png\" data-link=\"http://smartinsurance.tips/how-wifi-calling-benefits-your-business/my-post-6-5/\" class=\"wp-image-1853\"/></figure></li></ul></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Technology has changed the way businesses make voice calls. Wi-Fi calling can help certain entrepreneurs and offices cut their traditional phone lines, saving money and making the most of the resources they already have. If you’re interested in learning more about Wi-Fi calls, here’s a beginner’s guide.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What is Wi-Fi Calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling is a mobile phone feature that allows you to text and make voice calls using your phone’s Wi-Fi connection instead of your traditional cellular network. It’s available on most major smartphones, including iPhone and Android phones.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You simply have to enable WiFi calling in your phone’s settings and have access to a WiFi connection to use this feature. The exact process varies by device. Additionally, there are some third party apps that allow users to make WiFi calls, like Facebook Messenger and WhatsApp.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What is the Point of Wi-Fi Calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Cellular networks don’t cover every area, and they occasionally have outages. With WiFi calling, you can use the WiFi connection at your home or business as a backup. This prevents you from dropping calls and allows you to stay in touch even when your cellular service fails.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, you can make calls in an area with spotty reception. You can even send texts on airplanes using WiFi. Technically, you could even make voice and video calls on planes as well, but most airlines prohibit this. WiFi calling may also come in handy for those who have met the limits of their cellular plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi Calling Free?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calls within the U.S. are generally free, as long as you have a device that supports this feature. It’s included on popular Android smartphones and iPhones. However, you may need to pay for your own wireless network at home or at the office. If you plan to make WiFi calls on the road, you may need to purchase a hotspot, which often retails for between $20 and $50.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>11 Ways Wi-Fi Calling Will Benefit Your Business</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calling generally allows people to be more connected. In today’s mobile business environment, the importance of this cannot be overstated. Here are some specific benefits for business owners to consider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>1. You can Make Calls in Areas with Low Cellular Connection</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Today, people generally expect access to cellular service just about everywhere. However, there are still areas with limited coverage. And no business owner wants to find themselves in a dead zone when they have an important call or video meeting scheduled.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are some places where you may need WiFi calling to communicate:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Trains or public transit</li><li>Dead zones in offices (This is especially common in concrete buildings)</li><li>Elevators</li><li>Basement home offices</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>2. Making Wi-Fi Calls Saves Time</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you’re in an area with little or no cell reception, traditional calls may get dropped. This doesn’t just look unprofessional; it can waste precious meeting time. With WiFi calling, your calls won’t get dropped as long as you have a reliable connection. So you can spend more time communicating and less time dealing with technology.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>3. No App Download is Needed</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Smartphones have apps for just about everything. But these take valuable space on your device and require extra steps that many entrepreneurs don’t have time for. WiFi calling is already available on most devices. So it’s easy to get started and use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>4. Making Calls over WiFi Does not Use any Talk Time</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most cell phone plans only have a certain amount of talk time each month. If you make a lot of voice calls, you may have to pay extra fees or purchase a plan with more time. However, WiFi calls don’t contribute to this number. So if you’re low on minutes for the rest of the month, they can help you save money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>5. It Results in Better Quality Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Call quality can make your business look more professional. If you both have a strong WiFi connection, this option may help you both hear more clearly. This allows you to be more productive and focused as you communicate. It also limits disruptions and shows clients or potential partners that you’re willing to invest in quality communication solutions for your business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>6. A Wi-Fi Call Uses Your Phone Number</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling doesn’t require a separate line or number. So you don’t need to confuse contacts by giving them multiple ways of contacting you. And when you get in touch with others, they should always know who is calling. Basically, it’s a really simple solution when you don’t want to use a regular cellular connection. If, however, you want a dedicated number, there are apps that give you a phone number. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>7. It Includes No Add On Services</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You also don’t need an extra plan or service to take advantage of this feature. Simply enable Wi-Fi calling or put your phone in airplane mode and it should work automatically.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>8. It Is Supported by Most Phones</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you have a smartphone, it probably already comes with this feature. So you don’t need to purchase a new device or do extensive research when it’s time for an update. This also means that the majority of your team and the people you call should have access to Wi-Fi calling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4>What phones support Wi-Fi calling?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most current smartphones use Wi-Fi calling. Here are some popular ones:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Apple iPhone 6 and later</li><li>Samsung Galaxy A01 and later</li><li>Google Pixel</li><li>Microsoft Lumia</li><li>Motorola Moto phones</li><li>LG Fortune, Escape, Harmony, and Stylo</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>9. Video Calls Can be Like Regular Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most smartphones can also host video calls. And with Wi-Fi calling, you can use this feature just as you would with a voice call – just enable your phone’s video call feature (i.e. FaceTime for iPhones). This can be less complicated than setting up brand new VoIP calls or video streams to host these conferences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>10. There are No Fees for Incoming Calls on a Wi-Fi Network</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>WiFi calling is generally free within the U.S. And it’s always free when you receive calls. So you don’t need to factor extra money into your communication budget if you already pay for a wireless network.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>11. You Can Also Send Text Messages Over Wi-Fi</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A strong Wi-Fi network doesn’t just give you access to voice calls. You can also send text messages to team members, partners, and clients. This is perfect if you just need to send a quick update or ask a simple question while on the go.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Things to Note Before Using Wi-Fi Calling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The pros of Wi-Fi calling almost certainly outweigh the cons for many business users. But it’s not right for every situation. Here are some things to consider before relying on Wi-Fi for any important upcoming phone calls.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Weak Wi-Fi Connection Equals Problems</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Just as weak cellular coverage may lead to dropped calls or low quality, so can a weak Wi-Fi signal. Internet signal strength varies based on your distance from a router, the amount of people connected, and any potential obstructions. This can be especially relevant for those in large offices where the router is far away or near concrete walls or appliances, which can block the signal. Get to know the spots in your home and/or office where the signal is strongest (often close to the router) and use those for important Wi-Fi phone calls.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>There are Restrictions on International Calls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling within the U.S. is usually free. But you may have to pay for international calls, since these are not technically made using only Wi-Fi. For example, T-Mobile customers may pay $0.25 per minute when roaming. It’s the same for Wi-Fi calls as it is for traditional cellular phone calls. Specific rates vary based on your international calling plan. So get to know these rates to avoid surprises when calling internationally.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Not All Phones Have a Wi-Fi Calling Feature</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most modern smartphones have Wi-Fi calling. And all the major U.S. carriers support it on these devices. But it’s not included on older cell phones or office phones. If you or the person you’re calling doesn’t have a device that supports this feature, it may not be an option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>How to Set up and Enable Wi-Fi Calling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Not all phones have a Wi-Fi calling feature. And those that do generally don’t come with it automatically enabled. So before you make a Wi-Fi call, you’ll need to make sure your phone is HD voice-enabled and connected to a Wi-Fi network. Then you must enable Wi-Fi calling before making your first call or text. Here’s how to do that on some of today’s most popular devices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>How to Setup WiFi Calling on Android Devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most modern Android phones make it easy to set up Wi-Fi calling. Before you can make phone calls using Wi-Fi, you simply need to enable the feature on your device. This allows you to call or text where no service is available or when your phone is in airplane mode, which stops it from connecting to a cellphone tower. Here’s how to do this on an Android phone:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Go to your phone’s settings section and select Networks &amp; Internet</li><li>Click the mobile network option</li><li>Turn on Wi-Fi</li><li>Click the Advanced settings option</li><li>Scroll down to where it says “Wi-Fi calling,” toggle on the option</li><li>Enter your emergency address when prompted, since emergency services don’t automatically get your location if you call using Wi-Fi</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>How to Set up Wi-Fi Calling on iPhone Devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>For those with an Apple device, making calls with Wi-Fi instead of cellular service is automatic as long as you activate this feature first. If you have an iPhone, here are the steps needed to enable Wi-Fi calling on your wireless device.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Go to your phone’s settings and select “Phone”</li><li>Scroll down to where it says WiFi Calling and toggle it on</li><li>Enter or confirm your address in case you need to make emergency calls</li><li>Connect to a WiFi network</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2>How to Make a Call with the Wi-Fi Calling Feature</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Once you enable Wi-Fi calling, you don’t have to take many special steps to make calls. The exact process varies by device. But here’s a basic guide:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Activate Wi-Fi calling in your phone’s settings</li><li>Connect to a Wi-Fi network</li><li>Dial or text as usual</li><li>If you’re making an emergency call, provide your location either in your phone’s settings or at the beginning of the call.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2>How do I use Wi-Fi calling on my Samsung phone?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Popular Samsung phones like the Galaxy series generally include Wi-Fi calling if purchased within the last several years. Each specific phone may vary a bit, but here’s usually how it works:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>Tap the three vertical dots in your phone app</li><li>Go to Settings and tap Wi-Fi Calling</li><li>Toggle the switch over to turn the feature on</li><li>Certain phones also allow you to activate Wi-Fi Calling from the Quick Settings Panel</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2><strong>What’s the difference between cellular data and Wi-Fi calling?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Both cellular data and Wi-Fi allow you to connect to the internet on your phone. However, when you connect using your cellular network, it comes from the monthly allowance you signed up for with your phone provider. Some plans offer unlimited data with text and voice calling, but many have limits. And you’ll usually pay overage charges if you surpass them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When you use Wi-Fi calling, it doesn’t come out of your phone plan. You just need to be connected to a Wi-Fi network at your home or business. Cellular calls are often better if you have a strong signal. But Wi-Fi calls are preferred if your cell signal is weak or if you’re over your monthly cellular allowance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Do I want Wi-Fi calling on or off?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling is generally a good idea in areas where you have a strong Wi-Fi signal but spotty access to your cellular network. For example, you might enable it on public transit or office dead zones. But your cellular coverage is likely stronger in other areas, so you may toggle it off in those instances. You can easily turn Wi-Fi calling on and off. So try it both ways and see what works best for you in various instances. Generally, it’s best to turn Wi-Fi calling off before making emergency calls. But many carriers will automatically connect you to a cell tower when you make an emergency call, if a signal is available.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Wi-Fi calling save your battery life?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes. When you call with Wi-Fi, your phone only needs to send a signal to your router, which is likely close by. When you call with cell service, your phone needs to reach the nearest cell tower, which is almost always further away. This may not make a huge difference for most users. But it can be noticeable for those who are far from cell towers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Do Wi-Fi calls show on your phone bill?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calls sometimes show up on your phone bill, but not always. If you are connected to a Wi-Fi network at your home or office, then the Wi-Fi call likely will not appear on your bill. You simply pay your internet carrier for access. And that allows you to make calls when you’re on the same network. However, if you aren’t connected to an outside network, you’ll use your phone’s data plan, which does appear on your phone bill.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Does Wi-Fi calling work without a SIM?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes, you can make a Wi-Fi call on a device without a SIM card. All you need is a phone that has Wi-Fi calling capabilities and access to the internet. If you purchased a smartphone in the U.S. within the past five years, it likely has the ability to make Wi-Fi calling work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi calling better than 4G?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi calling lets you place calls and texts without access to a cellular connection. Calling with 4G does require you to be close to a cell tower. Some Wi-Fi calls get slightly delayed if the connection isn’t strong. But this feature does let you make calls in areas with limited cell service. It can also keep your cell phone bill reasonable if you’re always near the limits of your cellular data usage. Generally, Wi-Fi calling is helpful as long as you have access to a strong internet connection. But 4G may be better if you’re always out and about, or if you travel or call internationally, since overseas Wi-Fi calling isn’t free.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is Wi-Fi calling the same as VoLTE?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>No, VoLTE still requires access to a cell signal, while Wi-Fi calling does not. VoLTE stands for voice over long-term evolution. This means you can use it to place voice calls using your phone’s signal. It aims to be faster than other types of signals like 3G. And you don’t need to be connected to a Wi-Fi signal at your home or office to use it. With Wi-Fi calling, you do need access to the internet, but you don’t need to be close to a cell phone tower to place a voice call or text.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Is there an app for free Wi-Fi calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You do not need a third party app to place Wi-Fi calls. It is a feature that comes standard with most phones, including iPhones and Android devices. Carriers like Verizon and T-Mobile also support this capability without outside apps. Just enable the feature in your phone’s settings to use it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, there are apps you can use to place Wi-Fi calls, like Google Voice, Skype, Tango, and Fring. These generally offer advanced features like international Wi-Fi calling or the ability to call from other devices like laptops.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Can I still make calls to emergency services using Wi-Fi calling?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes, you can place emergency calls using Wi-Fi calling if you are not connected to a cellular network. This is a useful feature for business users because it allows you to keep your workplace safe even if there’s a spotty cell signal. It can also be useful for those who regularly travel, since you may sometimes end up far away from cell towers, or on trains or public transit systems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, most carriers will automatically connect you to your cell signal when placing an emergency call if their network is available. When you’re connected via cell service, emergency services can access your location in case you’re unsure or the call gets cut off. This feature is not available when you use Wi-Fi calling. To ensure safety and fast response times when using Wi-Fi calling, give your location right away and add your address to your device when prompted.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','How Wi-Fi Calling Benefits Your Business','','inherit','closed','closed','','1850-revision-v1','','','2021-08-19 21:42:01','2021-08-19 21:42:01','',1850,'http://smartinsurance.tips/?p=1893',0,'revision','',0),(1894,1,'2021-08-19 21:46:41','2021-08-19 21:46:41','<!-- wp:image {\"id\":1872,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-15-1024x536.png\" alt=\"\" class=\"wp-image-1872\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Cold weather has caused a pipe to burst in your home, and water has ruined your wood floors. Will homeowners insurance cover pipe replacement? It depends on your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Water damage may be covered under homeowners\' insurance, but it depends largely on the nature of the aquatic mishap. If the damage occurs as a result of something sudden or unforeseen—like a broken pipe, a leaking air conditioning unit, or a malfunctioning washing machine—the policy typically covers it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-4\">Different Forms Of Damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">However, if the cause is \"gradual damage\" that happens over a long period of time—due to a leaky pipe, for example, or a crack in your home\'s foundation—the insurance company may balk. Sometimes it is hard to know whether homeowners insurance will cover plumbing or not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>All insurance policies exclude problems due to wear and tear, as well as gradual damage. However, there may be some exceptions. \"Resulting damage,\" for example, may occur as a result of a cracked water tank, an exploding dishwasher, or, yes, a broken pipe. If a dishwasher explodes, the answer to \"does homeowners insurance cover burst pipes?\" would be yes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key Takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Homeowners insurance generally covers damage due to broken pipes if their collapse is sudden and unforeseen.</li><li>Water damage that occurs gradually due to a leaky or rusty pipe, however, is generally not covered.</li><li>If you feel your claim has been unjustly denied, consider getting a second opinion by a licensed professional&nbsp;or a consumer advocacy organization that is familiar with insurance in your region.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-11\">How Insurance Views Pipes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-12\">Most insurance companies would consider a home\'s plumbing to be under normal homeowner maintenance. The property owner is responsible for making sure pipes don\'t freeze, are kept unclogged, screwed tight, and generally maintained—and to be on the lookout for mold, mildew, or other signs of water damage that suggest a small crack, hairline fracture, or leak somewhere.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-14\">Damage that develops gradually due to a slowly leaking, rusting, or deteriorating pipe is generally not covered. However, leaky pipes are different from broken pipes or burst pipes. These gushers could potentially flood the entire home. So the damage and destruction they bring&nbsp;<em>are</em>&nbsp;covered, usually under the all-perils section of your homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">If you live in a northern climate and your broken pipe is a result of freezing due to a lack of heat in the home, an insurance company could cite your negligence and deny your claim. Broken pipes must happen suddenly and by accident and shouldn\'t have been easily preventable. If you ignore a leaking pipe, and it subsequently bursts, the insurance company can see evidence of a long-term leak and deny the claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Homeowners insurance only covers floods due to internal causes, not acts of nature. A separate flood insurance policy protects havoc wrought by external or natural forces, like rising waters or overflowing sewers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-20\">What Is Covered?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-21\">Some policies distinguish between resulting damage and initial damage. If, for example, water damage resulting from a broken pipe or appliance is listed in your insurance policy wording as covered, then you may be compensated for some or all of the damages caused, even if they didn\'t occur right away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">After a pipe bursts, homeowners insurance covers damage occurring to the carpet or rugs, the floor, drywall, paint, and so on. Any service needed to clean up the water, dry out the home, and possibly prevent mold would also be included in this coverage. Ironically, the cost of repairing the busted pipe or of replacing the broken appliance—the cause of the problem—is not covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-25\">How To Avoid Having A Water Damage Claim Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">It\'s important to have your plumbing inspected by a licensed professional on a regular basis, and maintain records of repairs and the professionals you have hired over the years to do inspections and maintenance. These records could become very important in the event of a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">Different portions of your home\'s plumbing will have various life spans. Replace pipes that are beyond their intended service lives. In northern climates, be sure to leave your home\'s heat on, even if it is set to low, during the winter, especially if you are leaving for an extended period of time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Every home, regardless of climate, should have a water shutoff valve. Know where this valve is located, and make sure it is operable in case you need to turn off the water quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-32\">What To Do If Your Claim Is Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">If you were denied coverage that you think should have applied to the damage caused by a leaky pipe, you might consider getting a second opinion by a licensed professional&nbsp;or consumer advocacy organization that is familiar with insurance in your region.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your insurance company may also have an ombuds that can help review your file. You can also contact your state insurance commissioner for guidance or to file a complaint.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-37\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">If you\'re not sure whether your insurance will cover water damage caused by a leaky or busted water pipe, it\'s important to review the exact wording of your policy with your insurance advisor, agent, or broker. You will have to review the exclusions of your policy as well as the type of coverage you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure you understand all the coverages on your policy and have a good grasp of the exclusions, as well as your responsibilities as a homeowner. In addition, perform regular maintenance of your home every spring and fall to avoid surprises. Regular small repairs can help you avoid large expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Also, don\'t under insure your home. Make sure you purchase the best insurance for your needs, and remember to inquire about extra coverage if you think you need it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.foxbusiness.com/money/pay-taxes-on-savings-account\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Broken Pipes?','','inherit','closed','closed','','1869-revision-v1','','','2021-08-19 21:46:41','2021-08-19 21:46:41','',1869,'http://smartinsurance.tips/?p=1894',0,'revision','',0),(1895,1,'2021-08-19 21:48:05','2021-08-19 21:48:05','<!-- wp:image {\"id\":1872,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-15-1024x536.png\" alt=\"\" class=\"wp-image-1872\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Cold weather has caused a pipe to burst in your home, and water has ruined your wood floors. Will homeowners insurance cover pipe replacement? It depends on your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Water damage may be covered under homeowners\' insurance, but it depends largely on the nature of the aquatic mishap. If the damage occurs as a result of something sudden or unforeseen—like a broken pipe, a leaking air conditioning unit, or a malfunctioning washing machine—the policy typically covers it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-4\">Different Forms Of Damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">However, if the cause is \"gradual damage\" that happens over a long period of time—due to a leaky pipe, for example, or a crack in your home\'s foundation—the insurance company may balk. Sometimes it is hard to know whether homeowners insurance will cover plumbing or not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>All insurance policies exclude problems due to wear and tear, as well as gradual damage. However, there may be some exceptions. \"Resulting damage,\" for example, may occur as a result of a cracked water tank, an exploding dishwasher, or, yes, a broken pipe. If a dishwasher explodes, the answer to \"does homeowners insurance cover burst pipes?\" would be yes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key Takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Homeowners insurance generally covers damage due to broken pipes if their collapse is sudden and unforeseen.</li><li>Water damage that occurs gradually due to a leaky or rusty pipe, however, is generally not covered.</li><li>If you feel your claim has been unjustly denied, consider getting a second opinion by a licensed professional&nbsp;or a consumer advocacy organization that is familiar with insurance in your region.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-11\">How Insurance Views Pipes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-12\">Most insurance companies would consider a home\'s plumbing to be under normal homeowner maintenance. The property owner is responsible for making sure pipes don\'t freeze, are kept unclogged, screwed tight, and generally maintained—and to be on the lookout for mold, mildew, or other signs of water damage that suggest a small crack, hairline fracture, or leak somewhere.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-14\">Damage that develops gradually due to a slowly leaking, rusting, or deteriorating pipe is generally not covered. However, leaky pipes are different from broken pipes or burst pipes. These gushers could potentially flood the entire home. So the damage and destruction they bring&nbsp;<em>are</em>&nbsp;covered, usually under the all-perils section of your homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">If you live in a northern climate and your broken pipe is a result of freezing due to a lack of heat in the home, an insurance company could cite your negligence and deny your claim. Broken pipes must happen suddenly and by accident and shouldn\'t have been easily preventable. If you ignore a leaking pipe, and it subsequently bursts, the insurance company can see evidence of a long-term leak and deny the claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Homeowners insurance only covers floods due to internal causes, not acts of nature. A separate flood insurance policy protects havoc wrought by external or natural forces, like rising waters or overflowing sewers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-20\">What Is Covered?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-21\">Some policies distinguish between resulting damage and initial damage. If, for example, water damage resulting from a broken pipe or appliance is listed in your insurance policy wording as covered, then you may be compensated for some or all of the damages caused, even if they didn\'t occur right away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">After a pipe bursts, homeowners insurance covers damage occurring to the carpet or rugs, the floor, drywall, paint, and so on. Any service needed to clean up the water, dry out the home, and possibly prevent mold would also be included in this coverage. Ironically, the cost of repairing the busted pipe or of replacing the broken appliance—the cause of the problem—is not covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-25\">How To Avoid Having A Water Damage Claim Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">It\'s important to have your plumbing inspected by a licensed professional on a regular basis, and maintain records of repairs and the professionals you have hired over the years to do inspections and maintenance. These records could become very important in the event of a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">Different portions of your home\'s plumbing will have various life spans. Replace pipes that are beyond their intended service lives. In northern climates, be sure to leave your home\'s heat on, even if it is set to low, during the winter, especially if you are leaving for an extended period of time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Every home, regardless of climate, should have a water shutoff valve. Know where this valve is located, and make sure it is operable in case you need to turn off the water quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-32\">What To Do If Your Claim Is Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">If you were denied coverage that you think should have applied to the damage caused by a leaky pipe, you might consider getting a second opinion by a licensed professional&nbsp;or consumer advocacy organization that is familiar with insurance in your region.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your insurance company may also have an ombuds that can help review your file. You can also contact your state insurance commissioner for guidance or to file a complaint.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-37\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">If you\'re not sure whether your insurance will cover water damage caused by a leaky or busted water pipe, it\'s important to review the exact wording of your policy with your insurance advisor, agent, or broker. You will have to review the exclusions of your policy as well as the type of coverage you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure you understand all the coverages on your policy and have a good grasp of the exclusions, as well as your responsibilities as a homeowner. In addition, perform regular maintenance of your home every spring and fall to avoid surprises. Regular small repairs can help you avoid large expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Also, don\'t under insure your home. Make sure you purchase the best insurance for your needs, and remember to inquire about extra coverage if you think you need it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/ask/answers/111815/does-homeowners-insurance-cover-broken-pipes.asp#:~:text=An%20all-perils%20homeowners%20insurance%20policy%20does%20not%20usually,pipe%20causes%20would%20be%20covered%20under%20most%20circumstances.\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Broken Pipes?','','inherit','closed','closed','','1869-revision-v1','','','2021-08-19 21:48:05','2021-08-19 21:48:05','',1869,'http://smartinsurance.tips/?p=1895',0,'revision','',0),(1897,1,'2021-08-19 22:04:23','2021-08-19 22:04:23','<!-- wp:image {\"id\":1891,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-17-1024x536.png\" alt=\"\" class=\"wp-image-1891\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-1\">Exclusions are provisions in business insurance policies that eliminate coverage for certain types of property, perils, situations, or hazards. Risks described in exclusions aren’t covered by the policy. Insurers utilize exclusions to remove coverage for hazards they’re unwilling to insure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-3\">Reasons to Exclude Risks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Insurance policy exclusions serve various purposes, but most apply to risks that fall into one of the categories described below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-8\">Catastrophic Events</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-10\">Some risks are uninsurable because they are catastrophic events. An example is war. If a war breaks out and a bomb damages your business property, your commercial property policy won’t cover the loss. Virtually all property policies exclude damage caused by war and military action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Some catastrophic events can be insured by specialized coverage. Examples are floods and earthquakes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-15\">Covered by Another Policy</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">Many risks are excluded under one type of policy because they are covered by another. For instance, auto liability claims are excluded under a general liability policy because they are covered by a commercial auto policy. Similarly, liability and auto policies exclude any benefits the employer is obligated to pay under a workers’ compensation law, since such benefits are covered by workers’ compensation insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-20\">Maintenance Issues</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">Some risks, such as wear and tear, are excluded because they are naturally occurring events that can be controlled by the policyholder through proper maintenance.45 Damage caused by wear and tear is excluded from both commercial property policies and auto physical damage insurance. Other risks that can be controlled through regular maintenance are rust, corrosion, and insect infestations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 id=\"mntl-sc-block_1-0-25\">Against Public Policy</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">Many insurance policies exclude crimes, violations of the law, and intentionally caused injuries because insuring them would be against public policy. For this reason, liability policies don’t cover claims arising from the insured’s intentional, harmful acts like firing a gun or committing fraud.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-29\">Exclusion Exceptions and Buybacks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Many exclusions contain exceptions that give back a limited amount of coverage. An example is the contractual liability exclusion in the standard general liability policy, which excludes liability assumed under a contract. An exception to the exclusion provides coverage for liability assumed under an insured contract (a defined term in the policy).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some exclusions can be eliminated if you’re willing to pay an additional premium. For instance, the standard general liability policy excludes claims arising out of injuries inflicted by one employee against another. Many businesses buy back coverage for co-employee claims by purchasing fellow employee coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-36\">Watch for Changes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">Policy forms aren’t cast in stone.&nbsp;The Insurance Services Office (ISO) updates the standard commercial policy forms every few years. Insurers often follow suit, incorporating the changes the ISO has made into their proprietary forms. When the ISO or an insurer revises a form, it may add new exclusions or modify existing ones. A new exclusion generally means a reduction in coverage, while an exclusion modification may broaden or restrict coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Warning: Many states have laws requiring insurers to notify policyholders in advance if renewal policies contain exclusions or other restrictions not found in expiring policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-42\">Where to Look for Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-44\">An obvious place to look for policy exclusions is under the section titled “Exclusions.” Many policies contain more than one list of exclusions. For instance, the standard business owners’ policy contains two sets of exclusions, one for property and another for liability. Some policies also contain a separate list of exclusions that apply to all coverages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many policies contain one or more sections entitled “limitations”. A limitation is a partial exclusion and narrows the scope of coverage for a covered risk. For instance, theft is a covered peril under the standard business owners’ policy, but theft losses involving furs, jewelry, and other valuable items are subject to a $2,500 limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 id=\"mntl-sc-block_1-0-49\">Alternate Locations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-51\">Exclusionary provisions can be found in other parts of the policy, not just the Exclusions section.&nbsp;One of the most common places for them to appear is in the policy “Definitions.” Insurers define terms to attach specific meanings to them and narrow the scope of interpretation. For example, the standard business auto policy defines the word “auto” as a land motor vehicle, trailer, or semi-trailer designed for travel on public roads. The definition excludes mobile equipment, which is also a defined term that encompasses a broad array of machinery and equipment.89</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another place where exclusions can be found is in the policy “Conditions” section. For instance, the standard business auto policy contains a provision that essentially excludes accidents that occur outside the defined “coverage territory.” This provision appears in the general Conditions section, not the Definitions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Finally, many insurers add exclusions to policies by attaching endorsements to preprinted forms. An endorsement may add a new exclusion or modify an existing one.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancesmb.com/insurance-exclusions-462464\">click here</a>.</p>\n<!-- /wp:paragraph -->','The Purpose of Business Insurance Exclusions','','inherit','closed','closed','','1889-revision-v1','','','2021-08-19 22:04:23','2021-08-19 22:04:23','',1889,'http://smartinsurance.tips/?p=1897',0,'revision','',0),(1899,1,'2021-08-27 21:57:41','2021-08-27 21:57:41','<!-- wp:image {\"id\":1848,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2021/08/My-Post-4-1024x536.png\" alt=\"\" class=\"wp-image-1848\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p>Beyond giving you the ability to finance purchases, most credit cards come with a whole host of other benefits. Unfortunately, many consumers don’t fully understand the benefits being offered, which can cause them to leave value behind. With that in mind, below is an explanation of five common credit card benefits. Read them over so that you can get a better idea of what might be available to you, courtesy of your credit card issuer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Extended warranty protection</strong><br>The first and most widely available benefit is extended warranty protection. This benefit matches and extends the manufacturer’s warranty on eligible purchases, Essentially, the extended warranty from your credit card issuer will take the place of the manufacturer’s warranty once it ends and matches its terms for a set period of time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you do have to make a claim under extended warranty protection, be aware that every issuer’s warranty comes with its own terms and conditions, of which you should make yourself aware. In general, these warranties come with a deductible that you will have to pay before any fixes are made, and you must have purchased the item with that particular credit card in order for it to be deemed eligible for protection coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Return protection</strong><br>These days, not all credit card issuers offer return protection. However, if you can find an issuer who offers it, this reward can certainly help you save. As the name suggests, it has to do with extending the return timeframe on eligible purchases. In some cases, this protection will also help you receive reimbursement for the item you no longer want, even if returns are not allowed by the retailer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Again, each credit card issuer will have its own set of guidelines surrounding this benefit, typically you will be asked to provide proof that the item you’re returning was purchased with the card in question. Additionally, there may be specific limits on how much the credit card company is willing to reimburse you for each purchase and during the calendar year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Purchase protection</strong><br>While the phrase “purchase protection” may sound similar to some benefits that have already been covered, it pertains to helping you replace items that may have been stolen, damaged, or lost during the delivery process. In some instances, your credit card issuer will work with the retailer to have another delivery sent to you. In others, they will simply reimburse you for the item that was affected in transit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Like the other benefits on this list, you will need to file a claim with your credit card issuer in order to access this form of liability protection. However, you may also have to provide additional paperwork, such as proof that you purchased the item using their card and photographs showing any damage to the item.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Cell phone protection</strong><br>Cell phone protection, also known as cell phone insurance, is another widely-offered benefit among credit card issuers. As you might be able to guess, this benefit can be put toward helping you purchase a new phone in the event that yours is damaged or stolen. It can often lower your final bill by hundreds of dollars, which makes it a particularly valuable perk to have at your disposal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In order to access this benefit, you typically have to have a history of paying your monthly cell phone bill on the credit card. In some cases, you may have to provide proof that you are current with your payments. Depending on your card issuer, you may also be subject to certain limits on the amount of reimbursement that you are eligible to receive per each claim or in total during a particular calendar year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Price protection</strong><br>Lastly, there is price protection. Under the price protection benefit, your credit card issuer agrees to issue you a refund for the difference in price if an item that you recently purchased is advertised at a lower price point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Typically, the way it works is that you’ll submit a claim along with your receipt for the purchase. Then, the issuer scans the internet looking for the advertised price of the item. If a difference is found between what you paid and what’s being advertised, you’ll receive a statement credit or a check in the mail for the difference within a few business days.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>The bottom line</strong><br>While none of these credit card benefits should be the main reason behind your choice to open a particular card, it’s important to know that they do exist. When you’re shopping around for a new card, you should evaluate the offered benefits along with its interest rate, fee structure, and any advertised promotions like 0% APR or no-fee balance transfers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Additionally, be aware that these perks are usually offered to those customers who have a decent credit history and a good or excellent credit score. It’s most common to see these benefits offered on cards that come with annual fees, so it’s important to make sure that any benefits you receive from the car will outweigh that cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.foxbusiness.com/money/credit-card-benefits-you-probably-dont-know-about\">click here</a>.</p>\n<!-- /wp:paragraph -->','5 credit card benefits you probably have but don’t know about','','inherit','closed','closed','','1845-revision-v1','','','2021-08-27 21:57:41','2021-08-27 21:57:41','',1845,'http://smartinsurance.tips/?p=1899',0,'revision','',0),