(3134,1,'2023-04-30 02:11:53','2023-04-30 02:11:53','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The world’s climate is changing—but there are things you can do to protect your home and your family from its worst effects.</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\":3135,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Home-improvement.png\" alt=\"\" class=\"wp-image-3135\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\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\">Extreme weather and climate disasters have become far more common in the U.S. over the last five years—resulting in thousands of lives lost and billions of dollars in damages. Whether it\'s extreme heat or cold, flooding or wildfires, hurricanes or tornadoes, it\'s happening with greater frequency and more damage than ever before. \"We’re heading towards a world that\'s going to be pretty inhospitable, where extreme storms become the norm,” says Patrick Donaldson, principal architect at Harka Architecture in Portland, Ore. “We really need to start thinking differently about the way we build.”</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_1-0-2\">Whether you\'re already dealing with climate-related damage—or you\'re looking to prevent it from happening—you can take steps to protect your home, no matter what your budget.</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_1-0-4\">Keep these ideas in mind the next time as you\'re planning home improvements or repairs, to help keep everything and everyone you love safe and sound.</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_1-0-6\">Learn about your climate risk</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\">If you\'ve already dealt with flooding, wildfires, storms, or other extreme weather, you probably have a sense of your current risks. But it\'s helpful to get a sense of what may happen in the decades to come. Online tools like NOAA\'s Climate Explorer and FEMA\'s National Risk Index can be good places to start assessing how temperature changes, sea-level rise, and other changes will impact your home and community now and in the future.</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_1-0-9\">That may also help you decide whether it\'s worth investing more money in protecting your home. \"Ask yourself how long are you planning to be there, and what may happen in that time frame,\" says Rob Moore, senior policy analyst on the climate adaptation team at the Natural Resources Defense Council. \"If I owned a home in Miami Beach, I\'m not sure I’m going to count on being there for 50 years—it could be underwater in that time frame. What investments do I really want to make in a house that I’m not sure is going to be on dry land in 50 years?\"</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_1-0-11\">You may also want to review your insurance policy, to make sure that you\'re covered for the types of risks that you may face. Regular insurance policies, for instance, don\'t usually cover flooding—you\'d need to buy separate insurance from FEMA for that, Moore says.</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\">Reduce your energy and water usage</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_1-0-16\">Choosing more energy-efficient appliances, heating and cooling systems, and even energy-efficient light bulbs reduces your family\'s carbon footprint, and makes it easier for you to cover your home\'s energy needs in the midst of a power failure. \"Lower energy use helps slow the speed of climate change, costs less to use, and it opens up the door to be able to use alternative energy sources and stay off the grid,\" Donaldson says.</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_1-0-18\">Reducing your water usage can be incredibly important, especially if you\'re living in an area that\'s at risk of drought. For instance, some homes in the suburbs outside Phoenix have already been cut off from the city water supply, Moore says. \"One of the big climate risks is water scarcity and drought. Choosing highly efficient appliances can reduce your household\'s water use. That should be near the top of the list.\"</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_1-0-20\">Add a backup power source</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_1-0-21\">Power outages are happening more often: The average number per year increased by 78 percent over the last decade, according to Climate Central. Gas-powered generators have been the most common energy backup, but using solar batteries and solar panels can allow you to use the sun\'s power by day, and store excess energy to keep your home powered at night. </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_1-0-23\">Electric vehicles may be another source of energy in a pinch. The electric Ford F-150 can be used as a power generator, and other EV manufacturers are looking for ways to allow drivers to use their car batteries to power essential equipment in the event of a power outage.</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_1-0-27\">Landscape smarter</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_1-0-28\">Something as simple as a shovel, some dirt, and a properly chosen plant or two can make a gigantic difference to your home\'s climate safety, energy-efficiency, and even your comfort.</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\">Regrade your property</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\">All you need is a shovel and some dirt to help protect your home from flooding. Make sure your land slopes away from your home, so water naturally flows away during storms, Moore says. If you\'re in an area that\'s prone to flooding, you can also create rain gardens, lower areas on your property where floodwaters can pool a safe distance from your home.</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_1-0-33\">Choose native plants</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_1-0-34\">Don\'t fight the local climate—choosing plants and grasses that are native to your area will result in healthier, easier-to-care-for landscaping. \"Especially in areas where water is scarce, hardier native plants need less care and less water,\" Moore says. \"That also helps reduce fire risk.\"</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_1-0-36\">Consider your landscaping placement</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_1-0-37\">Where you plant is almost as important as what you plant. \"Planting deciduous trees that shade the south side of house blocks the bulk of that hot, high sun in the summer,\" Donaldson says. \"In the fall and winter, when you want the sun to come in, the shade’s no longer affecting it.\" Trellises with vines placed by windows can also provide shade.</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_1-0-39\">In areas that are prone to wildfires, clear brush and other flammable plants away from your home\'s exterior. \"Planting a lot of shrubs and big ornamental grasses close to your house can be like tinder,\" Moore says.</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_1-0-41\">Extend your downspouts (and maybe add a rain barrel too)</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_1-0-42\">\"Most people\'s downspouts only lead a foot away from the house,\" Moore says. \"You want water to drain a minimum of 4 feet away. You can go out to hardware store and buy downspout material for just a few bucks to run it out farther.\" A rain barrel will collect the first 50 gallons of water for future use in your gardens, and can help reduce flooding in smaller storms.&nbsp;</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_1-0-44\">Design with your climate in mind</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_1-0-45\">Your home\'s exterior—AKA the \"envelope\"—should be as strong as possible to protect you from extreme weather. \"When you\'re thinking about the skin of the building—the roof, walls, and floor, the windows, all the areas that touch outside—you want to think about making them more durable and insulated,\" Donaldson says.</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_1-0-47\">Add insulation</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_1-0-48\">\"The biggest remodeling bang for your buck is insulating your attic,\" Donaldson says. \"Since heat rises, you\'re losing the majority of heat in your home through your roof.\" Insulation keeps your home\'s temperature steady longer, reducing your energy bills and helping you stay comfortable longer in the event of a power outage. Donaldson also recommends insulating the basement, and blowing cellulose insulation into the walls to make your home more airtight without disturbing your siding.</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_1-0-50\">Choose climate-savvy materials</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_1-0-51\">You\'ll find plenty of options for building materials—but keeping your climate in mind can help steer you toward products will protect your home. In areas where wildfires and extreme heat are common, look for flame-resistant and heat-resistant siding and roofing materials, such as metal or Hardie board, while homes in flood zones need water- and mold-resistant products.</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_1-0-53\">If you\'re living in an area that\'s started to experience more extreme temperatures, be sure to research the materials you\'ll be using to see what guarantees they offer. \"A lot of the sealants, finishes, paints, and stains that we use—their warranties are within a certain temperature range,\" Donaldson says. \"Some of these materials melt, break down and degrade at temperature extremes, so it\'s worth researching that before you use it.\"</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_1-0-55\">Vinyl windows may also be impacted by temperature shifts. \"Vinyl and glass have very different expansion and contraction coefficients, so vinyl moves a lot more than glass,\" Donaldson says. \"The vinyl heats up and the gasket fails. As we break temperature records, that\'s going to be an even bigger problem.\" He recommends fiberglass windows as a more climate-safe option.</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_1-0-57\">Be strategic with your exterior paint and roofing colors</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_1-0-58\">Colors like dark gray and black that absorb heat from the sun could make your cooling systems work much harder in hot climates—so opt for white or light colors. \"Dark colors may have a benefit if you\'re in a cooler climate,\" Donaldson says, where they can help your home hold the sun\'s heat.</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_1-0-62\">Add architectural details that suit your location</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_1-0-63\">Built-in shutter systems can help protect your doors and windows if hurricanes are an issue in your area, and big, reinforced overhangs can help keep heavy rains and debris away from the home, Donaldson says. Homes prone to flooding may require raising the foundation, putting the house up on pilings, or adding protective eaves to allow water to move around—but not through—the home.</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_1-0-65\">Windows placed strategically to take advantage of breezes can help cool your home at night—then be shut and shaded during hot days to keep your house cool while minimizing A/C usage, Donaldson says.</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_1-0-67\">Protect key systems</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_1-0-68\">Many homes have their heating and cooling systems, water heaters, and appliances like washers and dryers in vulnerable locations, such as basements or garages. Placing them on higher floors, or even just elevating them off of the ground, can be helpful. \"Anything you have that’s vulnerable to water coming in, elevate,\" Moore says. \"That could save you from having to replace them.\"</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_1-0-70\">Strategize your improvements</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_1-0-71\">Updating your home for climate safety isn\'t likely to be a one-shot deal. But as appliances and systems need replacing, it pays to upgrade them with products that are higher quality and better for the environment. \"You may spend more money, but there will be an ROI on that, in fewer repairs later and easier maintenance,\" Donaldson says.</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_1-0-75\">Decide what makes the most sense for you—but keep future plans in mind when you do. \"Don’t do something now that you’ll have to tear out down the line,\" Donaldson says.</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_1-0-77\">Before you balk at the price of a climate-safe improvement, look for local, state, or federal incentives that could help you cover the cost of securing your home. Legislation like the Inflation Reduction Act includes tax credits and other benefits that can make improving your home\'s energy-efficiency more affordable.</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, <a href=\"https://www.realsimple.com/how-to-make-your-home-climate-safe-7110705\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Make Your Home Climate-Safe','','publish','closed','closed','','how-to-make-your-home-climate-safe','','','2023-04-30 02:11:53','2023-04-30 02:11:53','',0,'http://smartinsurance.tips/?p=3134',0,'post','',0),(3135,1,'2023-04-30 02:00:28','2023-04-30 02:00:28','','Home-improvement','','inherit','closed','closed','','home-improvement-8','','','2023-04-30 02:00:28','2023-04-30 02:00:28','',3134,'http://smartinsurance.tips/wp-content/uploads/2023/04/Home-improvement.png',0,'attachment','image/png',0),(3136,1,'2023-04-30 02:11:53','2023-04-30 02:11:53','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The world’s climate is changing—but there are things you can do to protect your home and your family from its worst effects.</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\":3135,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Home-improvement.png\" alt=\"\" class=\"wp-image-3135\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\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\">Extreme weather and climate disasters have become far more common in the U.S. over the last five years—resulting in thousands of lives lost and billions of dollars in damages. Whether it\'s extreme heat or cold, flooding or wildfires, hurricanes or tornadoes, it\'s happening with greater frequency and more damage than ever before. \"We’re heading towards a world that\'s going to be pretty inhospitable, where extreme storms become the norm,” says Patrick Donaldson, principal architect at Harka Architecture in Portland, Ore. “We really need to start thinking differently about the way we build.”</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_1-0-2\">Whether you\'re already dealing with climate-related damage—or you\'re looking to prevent it from happening—you can take steps to protect your home, no matter what your budget.</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_1-0-4\">Keep these ideas in mind the next time as you\'re planning home improvements or repairs, to help keep everything and everyone you love safe and sound.</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_1-0-6\">Learn about your climate risk</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\">If you\'ve already dealt with flooding, wildfires, storms, or other extreme weather, you probably have a sense of your current risks. But it\'s helpful to get a sense of what may happen in the decades to come. Online tools like NOAA\'s Climate Explorer and FEMA\'s National Risk Index can be good places to start assessing how temperature changes, sea-level rise, and other changes will impact your home and community now and in the future.</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_1-0-9\">That may also help you decide whether it\'s worth investing more money in protecting your home. \"Ask yourself how long are you planning to be there, and what may happen in that time frame,\" says Rob Moore, senior policy analyst on the climate adaptation team at the Natural Resources Defense Council. \"If I owned a home in Miami Beach, I\'m not sure I’m going to count on being there for 50 years—it could be underwater in that time frame. What investments do I really want to make in a house that I’m not sure is going to be on dry land in 50 years?\"</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_1-0-11\">You may also want to review your insurance policy, to make sure that you\'re covered for the types of risks that you may face. Regular insurance policies, for instance, don\'t usually cover flooding—you\'d need to buy separate insurance from FEMA for that, Moore says.</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\">Reduce your energy and water usage</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_1-0-16\">Choosing more energy-efficient appliances, heating and cooling systems, and even energy-efficient light bulbs reduces your family\'s carbon footprint, and makes it easier for you to cover your home\'s energy needs in the midst of a power failure. \"Lower energy use helps slow the speed of climate change, costs less to use, and it opens up the door to be able to use alternative energy sources and stay off the grid,\" Donaldson says.</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_1-0-18\">Reducing your water usage can be incredibly important, especially if you\'re living in an area that\'s at risk of drought. For instance, some homes in the suburbs outside Phoenix have already been cut off from the city water supply, Moore says. \"One of the big climate risks is water scarcity and drought. Choosing highly efficient appliances can reduce your household\'s water use. That should be near the top of the list.\"</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_1-0-20\">Add a backup power source</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_1-0-21\">Power outages are happening more often: The average number per year increased by 78 percent over the last decade, according to Climate Central. Gas-powered generators have been the most common energy backup, but using solar batteries and solar panels can allow you to use the sun\'s power by day, and store excess energy to keep your home powered at night. </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_1-0-23\">Electric vehicles may be another source of energy in a pinch. The electric Ford F-150 can be used as a power generator, and other EV manufacturers are looking for ways to allow drivers to use their car batteries to power essential equipment in the event of a power outage.</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_1-0-27\">Landscape smarter</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_1-0-28\">Something as simple as a shovel, some dirt, and a properly chosen plant or two can make a gigantic difference to your home\'s climate safety, energy-efficiency, and even your comfort.</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\">Regrade your property</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\">All you need is a shovel and some dirt to help protect your home from flooding. Make sure your land slopes away from your home, so water naturally flows away during storms, Moore says. If you\'re in an area that\'s prone to flooding, you can also create rain gardens, lower areas on your property where floodwaters can pool a safe distance from your home.</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_1-0-33\">Choose native plants</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_1-0-34\">Don\'t fight the local climate—choosing plants and grasses that are native to your area will result in healthier, easier-to-care-for landscaping. \"Especially in areas where water is scarce, hardier native plants need less care and less water,\" Moore says. \"That also helps reduce fire risk.\"</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_1-0-36\">Consider your landscaping placement</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_1-0-37\">Where you plant is almost as important as what you plant. \"Planting deciduous trees that shade the south side of house blocks the bulk of that hot, high sun in the summer,\" Donaldson says. \"In the fall and winter, when you want the sun to come in, the shade’s no longer affecting it.\" Trellises with vines placed by windows can also provide shade.</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_1-0-39\">In areas that are prone to wildfires, clear brush and other flammable plants away from your home\'s exterior. \"Planting a lot of shrubs and big ornamental grasses close to your house can be like tinder,\" Moore says.</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_1-0-41\">Extend your downspouts (and maybe add a rain barrel too)</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_1-0-42\">\"Most people\'s downspouts only lead a foot away from the house,\" Moore says. \"You want water to drain a minimum of 4 feet away. You can go out to hardware store and buy downspout material for just a few bucks to run it out farther.\" A rain barrel will collect the first 50 gallons of water for future use in your gardens, and can help reduce flooding in smaller storms.&nbsp;</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_1-0-44\">Design with your climate in mind</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_1-0-45\">Your home\'s exterior—AKA the \"envelope\"—should be as strong as possible to protect you from extreme weather. \"When you\'re thinking about the skin of the building—the roof, walls, and floor, the windows, all the areas that touch outside—you want to think about making them more durable and insulated,\" Donaldson says.</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_1-0-47\">Add insulation</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_1-0-48\">\"The biggest remodeling bang for your buck is insulating your attic,\" Donaldson says. \"Since heat rises, you\'re losing the majority of heat in your home through your roof.\" Insulation keeps your home\'s temperature steady longer, reducing your energy bills and helping you stay comfortable longer in the event of a power outage. Donaldson also recommends insulating the basement, and blowing cellulose insulation into the walls to make your home more airtight without disturbing your siding.</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_1-0-50\">Choose climate-savvy materials</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_1-0-51\">You\'ll find plenty of options for building materials—but keeping your climate in mind can help steer you toward products will protect your home. In areas where wildfires and extreme heat are common, look for flame-resistant and heat-resistant siding and roofing materials, such as metal or Hardie board, while homes in flood zones need water- and mold-resistant products.</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_1-0-53\">If you\'re living in an area that\'s started to experience more extreme temperatures, be sure to research the materials you\'ll be using to see what guarantees they offer. \"A lot of the sealants, finishes, paints, and stains that we use—their warranties are within a certain temperature range,\" Donaldson says. \"Some of these materials melt, break down and degrade at temperature extremes, so it\'s worth researching that before you use it.\"</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_1-0-55\">Vinyl windows may also be impacted by temperature shifts. \"Vinyl and glass have very different expansion and contraction coefficients, so vinyl moves a lot more than glass,\" Donaldson says. \"The vinyl heats up and the gasket fails. As we break temperature records, that\'s going to be an even bigger problem.\" He recommends fiberglass windows as a more climate-safe option.</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_1-0-57\">Be strategic with your exterior paint and roofing colors</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_1-0-58\">Colors like dark gray and black that absorb heat from the sun could make your cooling systems work much harder in hot climates—so opt for white or light colors. \"Dark colors may have a benefit if you\'re in a cooler climate,\" Donaldson says, where they can help your home hold the sun\'s heat.</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_1-0-62\">Add architectural details that suit your location</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_1-0-63\">Built-in shutter systems can help protect your doors and windows if hurricanes are an issue in your area, and big, reinforced overhangs can help keep heavy rains and debris away from the home, Donaldson says. Homes prone to flooding may require raising the foundation, putting the house up on pilings, or adding protective eaves to allow water to move around—but not through—the home.</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_1-0-65\">Windows placed strategically to take advantage of breezes can help cool your home at night—then be shut and shaded during hot days to keep your house cool while minimizing A/C usage, Donaldson says.</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_1-0-67\">Protect key systems</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_1-0-68\">Many homes have their heating and cooling systems, water heaters, and appliances like washers and dryers in vulnerable locations, such as basements or garages. Placing them on higher floors, or even just elevating them off of the ground, can be helpful. \"Anything you have that’s vulnerable to water coming in, elevate,\" Moore says. \"That could save you from having to replace them.\"</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_1-0-70\">Strategize your improvements</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_1-0-71\">Updating your home for climate safety isn\'t likely to be a one-shot deal. But as appliances and systems need replacing, it pays to upgrade them with products that are higher quality and better for the environment. \"You may spend more money, but there will be an ROI on that, in fewer repairs later and easier maintenance,\" Donaldson says.</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_1-0-75\">Decide what makes the most sense for you—but keep future plans in mind when you do. \"Don’t do something now that you’ll have to tear out down the line,\" Donaldson says.</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_1-0-77\">Before you balk at the price of a climate-safe improvement, look for local, state, or federal incentives that could help you cover the cost of securing your home. Legislation like the Inflation Reduction Act includes tax credits and other benefits that can make improving your home\'s energy-efficiency more affordable.</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, <a href=\"https://www.realsimple.com/how-to-make-your-home-climate-safe-7110705\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Make Your Home Climate-Safe','','inherit','closed','closed','','3134-revision-v1','','','2023-04-30 02:11:53','2023-04-30 02:11:53','',3134,'http://smartinsurance.tips/?p=3136',0,'revision','',0),(3137,1,'2023-04-30 02:27:55','2023-04-30 02:27:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3138,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Small-business.png\" alt=\"\" class=\"wp-image-3138\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\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\">Whether you’re launching a part-time e-commerce venture in your basement or serving clients each day in your home, you’ll need the right insurance coverage to protect you from the risks of operating your home-based business. While it’s possible to get some coverage for your business with an endorsement to your homeowners insurance policy, standalone in-home business coverage provides higher limits and more comprehensive coverage. Find out what coverages you need, what you can expect to pay, and where to get the best 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_1-0-2\">Do I Need Home-Based Business 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\" id=\"mntl-sc-block_1-0-3\">Most home-based business owners will need home-based business insurance in addition to their homeowners policy. That’s especially true if you regularly have business deliveries to your home address or clients in your home. If someone injures themselves during a business-related visit to your home, you could be liable for their medical bills, which wouldn’t be covered by your homeowners insurance.&nbsp;</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_1-0-5\">Even if you work from home and don’t interface with customers or colleagues on the premises, you may need professional liability insurance if you’re in a professional role, which isn’t available as an endorsement to a homeowners policy. You’ll also need product liability coverage if you ship items to customers. Both types of coverage protect you from lawsuits related to your business’s liabilities.&nbsp;</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_1-0-7\">What Is Home-Based Business 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\" id=\"mntl-sc-block_1-0-8\">Home-based business insurance is a group of coverages designed for business owners who operate out of their homes. Depending on your profession and the type of business activities you conduct from your home, you may need some or all of the coverages below. Some insurance companies package policies into home-based business bundles, which can include different coverages from one company to the next.&nbsp;</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\">General Liability 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\">A commercial general liability policy helps cover legal fees and judgments if your business is sued for damaging a customer’s property or causing a physical injury or advertising injury, such as copyright infringement. It also covers medical bills for non-employees injured on your premises or as a result of operating your business. General liability insurance commonly includes product liability, which covers lawsuits related to a product that causes injury or damage, and is essential for all businesses that sell or use products with customers. </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_1-0-13\">Professional Liability 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_1-0-14\">If you work in a knowledge or technical field and your professional services could result in a loss for one of your clients or customers, you’ll need professional liability insurance, also known as errors &amp; omissions insurance (E&amp;O insurance). This covers your legal defense and judgments for lawsuits arising from claims such as negligence, inaccurate advice, misrepresentation, and violation of good faith and fair dealing. These types of claims are not covered under general liability insurance. Note that while professional liability insurance can often be purchased as an endorsement, it is not included in a business owner’s policy (BOP). </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_1-0-16\">Business Personal Property 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_1-0-17\">Business property insurance helps pay to repair or replace your damaged or stolen equipment, technology, furniture, inventory, and important documents after a covered peril. For example, if there’s a fire in your home or a break-in that results in a loss, your business personal property policy will pay to both repair or replace that property and cover lost income as a result of the damage. While a typical homeowners policy comes with $2,500 in coverage for your business equipment, that may not be sufficient to cover all the property your business uses to operate. If you transport expensive equipment, you may also need inland marine insurance. </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_1-0-19\">Business Interruption 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_1-0-20\">Business interruption insurance, sometimes known as business income insurance, is often included with a business owner’s policy (BOP), but can also be purchased separately. It helps replace your lost net income if your business is unable to operate after a covered peril, such as a fire or theft.&nbsp;</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_1-0-22\">Business Owner’s Policy</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_1-0-23\">A business owner’s policy (BOP) typically combines commercial property insurance, general liability insurance, and business interruption insurance in one convenient package. You can often customize a BOP with endorsements tailored to your business type. However, many home business owners may find that a BOP’s commercial property coverage is unnecessary if they work solely out of their home. </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_1-0-25\">Commercial Auto 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_1-0-26\">Commercial auto insurance, or business vehicle insurance, is necessary for businesses that own vehicles for business use. If you use your personal vehicle for business use, or your employees use their vehicles for business activities, you may need hired and non-owned auto insurance instead. For example, if you frequently make business deliveries with your car, your personal auto insurance policy may not cover you in the event of an accident. </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_1-0-28\">Workers’ Compensation 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_1-0-29\">Most states require businesses with a certain number of employees to carry workers’ compensation coverage. It pays for medical bills and lost wages after an employee is injured at your business location or while performing their job duties. It also covers some illnesses and diseases contracted while employees are working. </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_1-0-31\">Cyber 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_1-0-32\">While a BOP may pay to recover lost electronic data, other cyber risks may not be covered. If you store client or employee data, especially sensitive data such as payment information, you’ll need a cyber liability policy or endorsement. It covers lost or corrupt data, several types of liabilities, identity theft, cyber extortion, and reputation recovery, in addition to providing business interruption coverage for cyber incidents.&nbsp;</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_1-0-34\">Home-Based Business Insurance Cost</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_1-0-35\">The cost to insure your home-based business will vary based on the risks associated with running your business and the types of coverages you purchase. For some low-risk businesses, a general liability policy can cost as little as $11 per month, and a business property endorsement to a homeowners policy may be sufficient to cover your equipment. Professional liability insurance starts at around $19 per month.</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\"><a rel=\"noreferrer noopener\" href=\"https://www.nextinsurance.com/errors-and-omissions-insurance/\" target=\"_blank\"></a> But businesses that need more coverage, such as commercial auto and workers’ compensation, could pay hundreds of dollars per month for insurance. </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, <a href=\"https://www.investopedia.com/home-based-business-insurance-what-it-is-costs-and-companies-7100448\">click here.</a></p>\n<!-- /wp:paragraph -->','Home-Based Business Insurance: What It Is, Costs, and Companies','','publish','closed','closed','','home-based-business-insurance-what-it-is-costs-and-companies','','','2023-04-30 02:27:55','2023-04-30 02:27:55','',0,'http://smartinsurance.tips/?p=3137',0,'post','',0),(3138,1,'2023-04-30 02:13:52','2023-04-30 02:13:52','','Small-business','','inherit','closed','closed','','small-business-10','','','2023-04-30 02:13:52','2023-04-30 02:13:52','',3137,'http://smartinsurance.tips/wp-content/uploads/2023/04/Small-business.png',0,'attachment','image/png',0),(3139,1,'2023-04-30 02:27:55','2023-04-30 02:27:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3138,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Small-business.png\" alt=\"\" class=\"wp-image-3138\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\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\">Whether you’re launching a part-time e-commerce venture in your basement or serving clients each day in your home, you’ll need the right insurance coverage to protect you from the risks of operating your home-based business. While it’s possible to get some coverage for your business with an endorsement to your homeowners insurance policy, standalone in-home business coverage provides higher limits and more comprehensive coverage. Find out what coverages you need, what you can expect to pay, and where to get the best 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_1-0-2\">Do I Need Home-Based Business 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\" id=\"mntl-sc-block_1-0-3\">Most home-based business owners will need home-based business insurance in addition to their homeowners policy. That’s especially true if you regularly have business deliveries to your home address or clients in your home. If someone injures themselves during a business-related visit to your home, you could be liable for their medical bills, which wouldn’t be covered by your homeowners insurance.&nbsp;</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_1-0-5\">Even if you work from home and don’t interface with customers or colleagues on the premises, you may need professional liability insurance if you’re in a professional role, which isn’t available as an endorsement to a homeowners policy. You’ll also need product liability coverage if you ship items to customers. Both types of coverage protect you from lawsuits related to your business’s liabilities.&nbsp;</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_1-0-7\">What Is Home-Based Business 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\" id=\"mntl-sc-block_1-0-8\">Home-based business insurance is a group of coverages designed for business owners who operate out of their homes. Depending on your profession and the type of business activities you conduct from your home, you may need some or all of the coverages below. Some insurance companies package policies into home-based business bundles, which can include different coverages from one company to the next.&nbsp;</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\">General Liability 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\">A commercial general liability policy helps cover legal fees and judgments if your business is sued for damaging a customer’s property or causing a physical injury or advertising injury, such as copyright infringement. It also covers medical bills for non-employees injured on your premises or as a result of operating your business. General liability insurance commonly includes product liability, which covers lawsuits related to a product that causes injury or damage, and is essential for all businesses that sell or use products with customers. </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_1-0-13\">Professional Liability 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_1-0-14\">If you work in a knowledge or technical field and your professional services could result in a loss for one of your clients or customers, you’ll need professional liability insurance, also known as errors &amp; omissions insurance (E&amp;O insurance). This covers your legal defense and judgments for lawsuits arising from claims such as negligence, inaccurate advice, misrepresentation, and violation of good faith and fair dealing. These types of claims are not covered under general liability insurance. Note that while professional liability insurance can often be purchased as an endorsement, it is not included in a business owner’s policy (BOP). </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_1-0-16\">Business Personal Property 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_1-0-17\">Business property insurance helps pay to repair or replace your damaged or stolen equipment, technology, furniture, inventory, and important documents after a covered peril. For example, if there’s a fire in your home or a break-in that results in a loss, your business personal property policy will pay to both repair or replace that property and cover lost income as a result of the damage. While a typical homeowners policy comes with $2,500 in coverage for your business equipment, that may not be sufficient to cover all the property your business uses to operate. If you transport expensive equipment, you may also need inland marine insurance. </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_1-0-19\">Business Interruption 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_1-0-20\">Business interruption insurance, sometimes known as business income insurance, is often included with a business owner’s policy (BOP), but can also be purchased separately. It helps replace your lost net income if your business is unable to operate after a covered peril, such as a fire or theft.&nbsp;</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_1-0-22\">Business Owner’s Policy</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_1-0-23\">A business owner’s policy (BOP) typically combines commercial property insurance, general liability insurance, and business interruption insurance in one convenient package. You can often customize a BOP with endorsements tailored to your business type. However, many home business owners may find that a BOP’s commercial property coverage is unnecessary if they work solely out of their home. </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_1-0-25\">Commercial Auto 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_1-0-26\">Commercial auto insurance, or business vehicle insurance, is necessary for businesses that own vehicles for business use. If you use your personal vehicle for business use, or your employees use their vehicles for business activities, you may need hired and non-owned auto insurance instead. For example, if you frequently make business deliveries with your car, your personal auto insurance policy may not cover you in the event of an accident. </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_1-0-28\">Workers’ Compensation 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_1-0-29\">Most states require businesses with a certain number of employees to carry workers’ compensation coverage. It pays for medical bills and lost wages after an employee is injured at your business location or while performing their job duties. It also covers some illnesses and diseases contracted while employees are working. </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_1-0-31\">Cyber 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_1-0-32\">While a BOP may pay to recover lost electronic data, other cyber risks may not be covered. If you store client or employee data, especially sensitive data such as payment information, you’ll need a cyber liability policy or endorsement. It covers lost or corrupt data, several types of liabilities, identity theft, cyber extortion, and reputation recovery, in addition to providing business interruption coverage for cyber incidents.&nbsp;</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_1-0-34\">Home-Based Business Insurance Cost</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_1-0-35\">The cost to insure your home-based business will vary based on the risks associated with running your business and the types of coverages you purchase. For some low-risk businesses, a general liability policy can cost as little as $11 per month, and a business property endorsement to a homeowners policy may be sufficient to cover your equipment. Professional liability insurance starts at around $19 per month.</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\"><a rel=\"noreferrer noopener\" href=\"https://www.nextinsurance.com/errors-and-omissions-insurance/\" target=\"_blank\"></a> But businesses that need more coverage, such as commercial auto and workers’ compensation, could pay hundreds of dollars per month for insurance. </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, <a href=\"https://www.investopedia.com/home-based-business-insurance-what-it-is-costs-and-companies-7100448\">click here.</a></p>\n<!-- /wp:paragraph -->','Home-Based Business Insurance: What It Is, Costs, and Companies','','inherit','closed','closed','','3137-revision-v1','','','2023-04-30 02:27:55','2023-04-30 02:27:55','',3137,'http://smartinsurance.tips/?p=3139',0,'revision','',0),(3140,1,'2023-04-30 02:36:46','2023-04-30 02:36:46','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3141,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Privacy.png\" alt=\"\" class=\"wp-image-3141\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The thought of someone breaking into your home and stealing your belongings is violating and unnerving. Most homeowners would do anything in their power to deter theft and get some peace of mind.</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\">Even still, countless homeowners struggle with how to prevent burglars from picking their locks.</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>The best way to prevent burglars from picking your lock is to install a &nbsp;thumb turn guard or smart lock. This will prevent burglars from lock bumping with a bump key. You can also deter burglars if you install motion-activated security lights near your entry doors and install security cameras that are in plain view.</strong></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\">Burglars use bump keys to lift the plug in locks and break into your home. That’s why it’s ideal to install “unpickable locks” and smart locks so that burglars won’t be able to use bump keys.</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\">Follow along as we explore how to prevent burglars from picking your lock and how you can beef up security.</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\">What Is Lock Bumping?</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\"><strong>Lock bumping is a method that burglars use to pick locks to gain entry to a home</strong>. This method had innocent origins and was used by locksmiths until the criminal world caught on. It is referred to as lock bumping because the process requires a bump key.</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\">Burglars use bump keys to manipulate the tumblers and plug inside locks to open doors. This was quite common for decades, but many modern locks make it much more difficult for burglars.</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\">Modern smart locks are mostly pick-proof and are among the best ways to prevent burglars from breaking in.</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\">How Do You Stop Someone From Picking Your Locks?</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 can stop someone from picking your locks with everything from smart locks to security cameras. Even simply brightening the area around your entry doors can make burglars think twice about picking your lock.</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\">Let’s take a lock at the best ways to prevent burglars from picking your lock.</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\">Unpickable Lock</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\">As the name suggests, unpickable locks stop would-be burglars from picking the lock.&nbsp;<strong>An unpickable lock features a unique mechanism that can prevent burglars from manipulating the tumblers.&nbsp;</strong>They start as low as $20, but high-end unpickable locks cost up to $200 or more.</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\">However, it’s worth noting that there is no guarantee that an unpickable lock will thwart a burglar. They are simply designed to prevent burglars from picking your lock in the traditional methods that people typically use. Nonetheless, unpickable locks are a great option and they certainly make it difficult for a burglar to pick your lock.</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\">Smart Lock</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\">Many homeowners agree that smart locks offer more peace of mind than standard key locks. They typically work via a keypad and don’t require a key. <strong>Smart locks only require you to use a key if something is wrong with the keypad</strong>.</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\">The key mechanism on a smart lock is more secure and often harder to pick than a traditional lock. However, you won’t need to use your spare key in most cases because the keypads are quite reliable. Some smart locks even include a feature to lock the spare keyhole when you don’t need it.</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\">Another bonus is that smart locks often include additional safety features. For example, brands like Schlage offer <strong>smart locks bundled with video doorbells</strong>. This can help further deter burglars. You can also pair many smart locks with a mobile app and lock or unlock your door when away.</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\">Turn Guard</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\">Turn guards make it quite difficult for burglars to enter your home. They will hold the thumb-turn component of your deadbolt in place to keep it from turning. <strong>This will prevent a burglar from inserting a bump key into your lock</strong>.</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\">The only downside to turn guards is that they can be inconvenient if you frequently enter through that door with a key. However, you can avoid headaches if you simply only use the turn guard at night or when you are away from home.</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\">Improve Your Lighting</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\">Is it pitch black at night around some of your home’s entry doors? If so, then there is a chance that burglars will see that as a perfect opportunity to pick your lock. Burglars are more likely to attempt to break into your home if they are hidden in the dark and don’t feel exposed.</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\">Leave a light on near each door if possible. Use motion-activated lights if you want to conserve energy.&nbsp;<strong>Brands like Ring offer cameras with motion-activated lights that can be particularly effective in deterring burglars</strong>.</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\">Advertise Your Alarm</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\">Whether you have an alarm system or not, you should place a sign in your yard or on your porch. It’s worthwhile to install an alarm system, but even if you don’t, <strong>an ADT sign can keep many potential burglars away</strong>. They may not be aesthetically pleasing, but security system signs can also tell burglars that your home isn’t worth the trouble.</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\">While you’re at it, you can always add a “beware of dog” sign even if you don’t have dogs. Dogs are like natural security alarms in many ways and smart burglars don’t want to take the risk.</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\">What Is The Biggest Deterrent To Burglars?</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\">Cameras and security alarm systems are the biggest deterrents to burglars. <strong>Lock-picking only accounts for less than 2% of burglary cases, making it a less common method than it once was</strong>. That doesn’t mean that you shouldn’t install smart, unpickable locks. However, it means that you need to focus on securing your home all around to deter burglars.</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\">Keep your yard well-trimmed and open so that any burglar that attempts to break into your home will be exposed. This can make them more apprehensive to try anything for fear of getting caught. It’s also smart to&nbsp;<strong>leave several lights and even a TV on when you aren’t at home</strong>.</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\">This can create the illusion that someone is home, which should discourage most burglars. Many homeowners adopt dogs specifically to prevent break-ins, which is a great option if you are an animal lover.</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\">Summing It Up</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 can prevent burglars from picking your lock if you install a smart lock. “Unpickable locks” feature unique mechanisms that&nbsp;<strong>make lock bumping nearly impossible</strong>. That is because bump keys won’t fit in the lock.</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\">Install a turn guard if you have a lock with a deadbolt. One of the best ways to deter burglars is to install security cameras. <strong>Motion-activated lights near entry doors</strong> can also prevent burglars from picking your lock.</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, <a href=\"https://upgradedhome.com/how-to-prevent-burglars-from-picking-your-lock/\">click here.</a></p>\n<!-- /wp:paragraph -->','How To Prevent Burglars From Picking Your Lock','','publish','closed','closed','','how-to-prevent-burglars-from-picking-your-lock','','','2023-04-30 02:36:46','2023-04-30 02:36:46','',0,'http://smartinsurance.tips/?p=3140',0,'post','',0),(3141,1,'2023-04-30 02:30:11','2023-04-30 02:30:11','','Privacy','','inherit','closed','closed','','privacy-10','','','2023-04-30 02:30:11','2023-04-30 02:30:11','',3140,'http://smartinsurance.tips/wp-content/uploads/2023/04/Privacy.png',0,'attachment','image/png',0),(3142,1,'2023-04-30 02:36:46','2023-04-30 02:36:46','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3141,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Privacy.png\" alt=\"\" class=\"wp-image-3141\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The thought of someone breaking into your home and stealing your belongings is violating and unnerving. Most homeowners would do anything in their power to deter theft and get some peace of mind.</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\">Even still, countless homeowners struggle with how to prevent burglars from picking their locks.</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>The best way to prevent burglars from picking your lock is to install a &nbsp;thumb turn guard or smart lock. This will prevent burglars from lock bumping with a bump key. You can also deter burglars if you install motion-activated security lights near your entry doors and install security cameras that are in plain view.</strong></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\">Burglars use bump keys to lift the plug in locks and break into your home. That’s why it’s ideal to install “unpickable locks” and smart locks so that burglars won’t be able to use bump keys.</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\">Follow along as we explore how to prevent burglars from picking your lock and how you can beef up security.</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\">What Is Lock Bumping?</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\"><strong>Lock bumping is a method that burglars use to pick locks to gain entry to a home</strong>. This method had innocent origins and was used by locksmiths until the criminal world caught on. It is referred to as lock bumping because the process requires a bump key.</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\">Burglars use bump keys to manipulate the tumblers and plug inside locks to open doors. This was quite common for decades, but many modern locks make it much more difficult for burglars.</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\">Modern smart locks are mostly pick-proof and are among the best ways to prevent burglars from breaking in.</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\">How Do You Stop Someone From Picking Your Locks?</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 can stop someone from picking your locks with everything from smart locks to security cameras. Even simply brightening the area around your entry doors can make burglars think twice about picking your lock.</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\">Let’s take a lock at the best ways to prevent burglars from picking your lock.</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\">Unpickable Lock</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\">As the name suggests, unpickable locks stop would-be burglars from picking the lock.&nbsp;<strong>An unpickable lock features a unique mechanism that can prevent burglars from manipulating the tumblers.&nbsp;</strong>They start as low as $20, but high-end unpickable locks cost up to $200 or more.</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\">However, it’s worth noting that there is no guarantee that an unpickable lock will thwart a burglar. They are simply designed to prevent burglars from picking your lock in the traditional methods that people typically use. Nonetheless, unpickable locks are a great option and they certainly make it difficult for a burglar to pick your lock.</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\">Smart Lock</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\">Many homeowners agree that smart locks offer more peace of mind than standard key locks. They typically work via a keypad and don’t require a key. <strong>Smart locks only require you to use a key if something is wrong with the keypad</strong>.</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\">The key mechanism on a smart lock is more secure and often harder to pick than a traditional lock. However, you won’t need to use your spare key in most cases because the keypads are quite reliable. Some smart locks even include a feature to lock the spare keyhole when you don’t need it.</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\">Another bonus is that smart locks often include additional safety features. For example, brands like Schlage offer <strong>smart locks bundled with video doorbells</strong>. This can help further deter burglars. You can also pair many smart locks with a mobile app and lock or unlock your door when away.</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\">Turn Guard</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\">Turn guards make it quite difficult for burglars to enter your home. They will hold the thumb-turn component of your deadbolt in place to keep it from turning. <strong>This will prevent a burglar from inserting a bump key into your lock</strong>.</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\">The only downside to turn guards is that they can be inconvenient if you frequently enter through that door with a key. However, you can avoid headaches if you simply only use the turn guard at night or when you are away from home.</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\">Improve Your Lighting</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\">Is it pitch black at night around some of your home’s entry doors? If so, then there is a chance that burglars will see that as a perfect opportunity to pick your lock. Burglars are more likely to attempt to break into your home if they are hidden in the dark and don’t feel exposed.</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\">Leave a light on near each door if possible. Use motion-activated lights if you want to conserve energy.&nbsp;<strong>Brands like Ring offer cameras with motion-activated lights that can be particularly effective in deterring burglars</strong>.</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\">Advertise Your Alarm</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\">Whether you have an alarm system or not, you should place a sign in your yard or on your porch. It’s worthwhile to install an alarm system, but even if you don’t, <strong>an ADT sign can keep many potential burglars away</strong>. They may not be aesthetically pleasing, but security system signs can also tell burglars that your home isn’t worth the trouble.</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\">While you’re at it, you can always add a “beware of dog” sign even if you don’t have dogs. Dogs are like natural security alarms in many ways and smart burglars don’t want to take the risk.</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\">What Is The Biggest Deterrent To Burglars?</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\">Cameras and security alarm systems are the biggest deterrents to burglars. <strong>Lock-picking only accounts for less than 2% of burglary cases, making it a less common method than it once was</strong>. That doesn’t mean that you shouldn’t install smart, unpickable locks. However, it means that you need to focus on securing your home all around to deter burglars.</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\">Keep your yard well-trimmed and open so that any burglar that attempts to break into your home will be exposed. This can make them more apprehensive to try anything for fear of getting caught. It’s also smart to&nbsp;<strong>leave several lights and even a TV on when you aren’t at home</strong>.</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\">This can create the illusion that someone is home, which should discourage most burglars. Many homeowners adopt dogs specifically to prevent break-ins, which is a great option if you are an animal lover.</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\">Summing It Up</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 can prevent burglars from picking your lock if you install a smart lock. “Unpickable locks” feature unique mechanisms that&nbsp;<strong>make lock bumping nearly impossible</strong>. That is because bump keys won’t fit in the lock.</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\">Install a turn guard if you have a lock with a deadbolt. One of the best ways to deter burglars is to install security cameras. <strong>Motion-activated lights near entry doors</strong> can also prevent burglars from picking your lock.</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, <a href=\"https://upgradedhome.com/how-to-prevent-burglars-from-picking-your-lock/\">click here.</a></p>\n<!-- /wp:paragraph -->','How To Prevent Burglars From Picking Your Lock','','inherit','closed','closed','','3140-revision-v1','','','2023-04-30 02:36:46','2023-04-30 02:36:46','',3140,'http://smartinsurance.tips/?p=3142',0,'revision','',0),(3143,1,'2023-04-30 02:59:15','2023-04-30 02:59:15','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3144,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Leadership.png\" alt=\"\" class=\"wp-image-3144\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Exhibiting leadership qualities, like adaptability, can help you to excel at your job as well as advance your career. Developing leadership traits can also improve your professional marketability, whether you’re starting out on your career journey or looking for new opportunities.</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 this article, we explain the 10 traits of an effective leader and how to develop them, plus list some less favorable leadership traits you should avoid.</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\">What are leadership traits?</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\">Leadership traits are essential qualities that make effective leaders in the workplace. Whether you are managing a team, a department or an entire company, these traits allow you to guide people and projects to success. The most important leadership qualities involve soft skills rather than technical knowledge or industry-specific experience, making leadership traits critical in nearly every occupation.</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\">Top 10 leadership traits</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\">To become an effective leader, you should strive to become an expert in your field and aim to cultivate essential leadership qualities. Begin with these 10 examples of leadership traits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Accountability</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\">The best leaders take full responsibility for their team’s performance, whether the outcome is good or bad. As a leader, you should aim to praise your team when they perform well and provide constructive criticism to help them improve. It’s also important for you to take responsibility when you have made a bad decision or done something unfavorable. We are all human and prone to mistakes, but effective leaders recognize their areas of improvement and are open with their team about them. Make a point of serving as a role model, and your team is likely to demonstrate accountability, too.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Adaptability</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\">Experienced leaders understand that plans, schedules and even goals can change at any time. To become a strong leader, you should aim for a flexible approach that allows you to pivot as necessary. As you develop adaptability, you may also find that you develop related leadership characteristics, such as resourcefulness and problem-solving abilities. To improve your sense of adaptability, practice accepting and overcoming unexpected challenges rather than resisting them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Confidence</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\">As a key figure in a department or company, every leader should demonstrate confidence to instill motivation. Even when obstacles impact progress, you should strive to exhibit poise and conviction. Leaders who have this quality also tend to build trust quickly with their team and colleagues. Build confidence by practicing your presentations, anticipating the questions you might receive and preparing effective, helpful answers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Creativity</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\">The best leaders rarely follow established pathways or copy the routes others have taken. Instead, they embrace new ways of thinking and strategies that others have yet to try. As a leader, you should aim to prioritize creativity so you can experiment with innovative solutions and alternative approaches to reach goals. To improve your creativity, try thinking of different resolutions for issues you encounter before moving forward with a plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Empathy</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\">Company leaders like executives, managers and supervisors work at a higher level than other team members. In these positions, you should always try to empathize with the reality that your team experiences so you can work together more easily. To understand your team members better, try scheduling informal meetings to help you acknowledge the challenges they face and the goals they want to achieve.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Focus</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\">Focus can help you handle possible distractions while achieving major objectives. When you give your attention to the most important aspects, you can complete your biggest goals while managing your time and resources. Try scheduling alternating periods of work without interruptions and less intensive work where you can pause to address other issues. This strategy can help you to concentrate your attention as necessary.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Positivity</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\">Quality leaders use positivity to motivate their team to achieve goals, do their best work and exceed expectations. To be an effective leader, you should exhibit positivity during difficult situations such as overcoming obstacles or delivering constructive criticism. For example, you can focus on the benefits of completing a major project instead of highlighting the hard work your team will have to complete in the process.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">8. Risk-taking</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\">Leaders regularly encounter risks, but they must know when to embrace a challenge and when to take a safe approach. To become a master at navigating risk, start by learning how to assess situations and compare pros and cons. Strive to make decisive judgments so that your team can readily accept and act upon your decisions. Try creating a flowchart with steps so you can evaluate situations and make decisions confidently.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">9. Stability</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\">Although leaders are charged with driving significant change, they also need a strong sense of stability. Taking a steady, reliable approach can allow you to keep your project, team or company on track. Establishing regular routines and telling your team what to expect allows you and your staff members to maintain energy and focus, even as you strive for constant progress. For example, set a weekly meeting to update your team on upcoming changes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">10. Team-building</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\">Even the strongest leaders need dedicated teams to complete projects. To be an effective leader, you must know how to encourage teamwork and collaboration, inspire team members to contribute their best work and motivate colleagues to accomplish seemingly impossible tasks. You can incorporate team-building activities such as icebreakers and group outings to promote bonding and improve communication.</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\">Traits of unfavorable leaders</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\">Being an effective leader comes with time, experience and the motivation to grow. While the traits listed below may be effective in certain situations, they are overall considered to be unfavorable:</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>Unwillingness to change</li><li>Indecisive</li><li>Lack of accountability</li><li>Apathetic</li><li>Lack of integrity</li><li>Poor communication</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\">How to develop the character traits of a leader</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 may have some of these leadership qualities naturally, but you can also work to cultivate critical characteristics. Follow these five steps to develop the traits of an effective leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Prioritize learning and training</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\">Aim to learn as much as you can to build new skills and hone key qualities. Make a list of areas that need improvement and methods that can contribute to your progress. Taking an online course or completing a training session could help you improve your leadership skills through structured lessons and activities. For example, if you need to improve your approach to teamwork, enroll in your company’s next team-building seminar.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Adopt a leadership style</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\">Many prominent leaders create their own versions of the most common approaches to leadership. Get to know some of the most effective styles, and adopt one that works best with your personality, industry and goals. For example, consider a coaching style that centers on helping all of your team members become the best versions of themselves or try a visionary style that enables you to focus on driving progress through innovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Ask for more responsibilities</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\">One of the best ways to practice leadership skills and develop key traits is to take on responsibilities that allow you to lead. Consider asking your supervisor to let you give an important presentation at a meeting or to handle an oversight role during your next project. Focus on advancing the leadership traits you need to improve to get the most out of your new responsibilities. For example, speaking for your team during a meeting can help you work on confidence while overseeing a project can help with team-building.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Improve your communication skills</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\">The most effective leaders can speak and write clearly as well as listen to understand. Learn to communicate your mission and ideas verbally and in writing, focusing on providing the clearest message possible. You should also understand how to process feedback and suggestions to ensure an objective approach to problem-solving that emphasizes improvement. Since these skills are critical to a leader’s success, consider taking a class on professional communication to better excel in this area.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Learn from a mentor</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\">Developing leadership traits can be made easier when you work closely with a superior you admire. Take advantage of any mentorship programs your company offers, and develop a relationship with a colleague who is more advanced in your field. You can also seek out a mentor independently through networking events or professional groups. Try scheduling monthly meetings to talk with your mentor about career development and strategies for leading in your field.</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\">How to showcase common leadership traits when applying for a job</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\">Cultivating the qualities of a leader allows you to advance your career, especially when you are applying for a new job. From writing your resume and cover letter to succeeding in an interview, follow these steps to showcase different leadership traits during the job application process.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. List leadership skills on your resume</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\">The skills section of your resume can be the ideal opportunity to highlight the leadership traits you have mastered. List three of your best soft skills to showcase which leadership qualities you excel in the most. After each characteristic, include a brief explanation to convey how these soft skills translate to the workplace.</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>Example:</strong><em> “Skilled team builder: Oversaw three specialized teams and provided daily motivation, management and communication during a $10 million client project.”</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Mention leadership characteristics in your cover letter</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\">Since your resume largely focuses on professional experience and measurable accomplishments, your cover letter is your chance to discuss your soft skills in more detail. Take this opportunity to highlight your most valuable leadership qualities, and explain how and why these traits are relevant to potential employers.</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\">Before writing a cover letter, review the job description and make a shortlist of the most important leadership traits for the position. Then include each quality in the narrative of your cover letter.</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>Example:</strong> <em>“After moving into a managerial role and becoming responsible for vetting new projects, I mastered the art of risk assessment. As a result, the projects my team completed were overwhelmingly successful and generated average revenues of $10 million.”</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Discuss leadership personality traits during your interview</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\">When you advance to the interview stage, you have the opportunity to discuss your leadership qualities with your potential employer. To prepare, refer to your list of essential qualities for the position. Think of a few situations where you exhibited those traits at work. Memorize the key points, and be ready to share the best examples at opportune moments during your interview.</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>Example:</strong> <em>“You mentioned that this role requires flexibility. In my previous position, I learned how to adapt by joining a team that had to pivot based on changing market conditions. This experience helped me become more flexible with my methods to achieve goals.”</em></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, <a href=\"https://www.indeed.com/career-advice/career-development/top-leadership-traits\">click here.</a></p>\n<!-- /wp:paragraph -->','Leadership Traits: 10 Top Qualities of Effective Leaders','','publish','closed','closed','','leadership-traits-10-top-qualities-of-effective-leaders','','','2023-04-30 02:59:15','2023-04-30 02:59:15','',0,'http://smartinsurance.tips/?p=3143',0,'post','',0),(3144,1,'2023-04-30 02:48:16','2023-04-30 02:48:16','','Leadership','','inherit','closed','closed','','leadership-7','','','2023-04-30 02:48:16','2023-04-30 02:48:16','',3143,'http://smartinsurance.tips/wp-content/uploads/2023/04/Leadership.png',0,'attachment','image/png',0),(3145,1,'2023-04-30 02:59:15','2023-04-30 02:59:15','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3144,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Leadership.png\" alt=\"\" class=\"wp-image-3144\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Exhibiting leadership qualities, like adaptability, can help you to excel at your job as well as advance your career. Developing leadership traits can also improve your professional marketability, whether you’re starting out on your career journey or looking for new opportunities.</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 this article, we explain the 10 traits of an effective leader and how to develop them, plus list some less favorable leadership traits you should avoid.</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\">What are leadership traits?</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\">Leadership traits are essential qualities that make effective leaders in the workplace. Whether you are managing a team, a department or an entire company, these traits allow you to guide people and projects to success. The most important leadership qualities involve soft skills rather than technical knowledge or industry-specific experience, making leadership traits critical in nearly every occupation.</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\">Top 10 leadership traits</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\">To become an effective leader, you should strive to become an expert in your field and aim to cultivate essential leadership qualities. Begin with these 10 examples of leadership traits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Accountability</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\">The best leaders take full responsibility for their team’s performance, whether the outcome is good or bad. As a leader, you should aim to praise your team when they perform well and provide constructive criticism to help them improve. It’s also important for you to take responsibility when you have made a bad decision or done something unfavorable. We are all human and prone to mistakes, but effective leaders recognize their areas of improvement and are open with their team about them. Make a point of serving as a role model, and your team is likely to demonstrate accountability, too.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Adaptability</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\">Experienced leaders understand that plans, schedules and even goals can change at any time. To become a strong leader, you should aim for a flexible approach that allows you to pivot as necessary. As you develop adaptability, you may also find that you develop related leadership characteristics, such as resourcefulness and problem-solving abilities. To improve your sense of adaptability, practice accepting and overcoming unexpected challenges rather than resisting them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Confidence</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\">As a key figure in a department or company, every leader should demonstrate confidence to instill motivation. Even when obstacles impact progress, you should strive to exhibit poise and conviction. Leaders who have this quality also tend to build trust quickly with their team and colleagues. Build confidence by practicing your presentations, anticipating the questions you might receive and preparing effective, helpful answers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Creativity</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\">The best leaders rarely follow established pathways or copy the routes others have taken. Instead, they embrace new ways of thinking and strategies that others have yet to try. As a leader, you should aim to prioritize creativity so you can experiment with innovative solutions and alternative approaches to reach goals. To improve your creativity, try thinking of different resolutions for issues you encounter before moving forward with a plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Empathy</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\">Company leaders like executives, managers and supervisors work at a higher level than other team members. In these positions, you should always try to empathize with the reality that your team experiences so you can work together more easily. To understand your team members better, try scheduling informal meetings to help you acknowledge the challenges they face and the goals they want to achieve.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Focus</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\">Focus can help you handle possible distractions while achieving major objectives. When you give your attention to the most important aspects, you can complete your biggest goals while managing your time and resources. Try scheduling alternating periods of work without interruptions and less intensive work where you can pause to address other issues. This strategy can help you to concentrate your attention as necessary.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Positivity</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\">Quality leaders use positivity to motivate their team to achieve goals, do their best work and exceed expectations. To be an effective leader, you should exhibit positivity during difficult situations such as overcoming obstacles or delivering constructive criticism. For example, you can focus on the benefits of completing a major project instead of highlighting the hard work your team will have to complete in the process.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">8. Risk-taking</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\">Leaders regularly encounter risks, but they must know when to embrace a challenge and when to take a safe approach. To become a master at navigating risk, start by learning how to assess situations and compare pros and cons. Strive to make decisive judgments so that your team can readily accept and act upon your decisions. Try creating a flowchart with steps so you can evaluate situations and make decisions confidently.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">9. Stability</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\">Although leaders are charged with driving significant change, they also need a strong sense of stability. Taking a steady, reliable approach can allow you to keep your project, team or company on track. Establishing regular routines and telling your team what to expect allows you and your staff members to maintain energy and focus, even as you strive for constant progress. For example, set a weekly meeting to update your team on upcoming changes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">10. Team-building</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\">Even the strongest leaders need dedicated teams to complete projects. To be an effective leader, you must know how to encourage teamwork and collaboration, inspire team members to contribute their best work and motivate colleagues to accomplish seemingly impossible tasks. You can incorporate team-building activities such as icebreakers and group outings to promote bonding and improve communication.</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\">Traits of unfavorable leaders</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\">Being an effective leader comes with time, experience and the motivation to grow. While the traits listed below may be effective in certain situations, they are overall considered to be unfavorable:</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>Unwillingness to change</li><li>Indecisive</li><li>Lack of accountability</li><li>Apathetic</li><li>Lack of integrity</li><li>Poor communication</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\">How to develop the character traits of a leader</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 may have some of these leadership qualities naturally, but you can also work to cultivate critical characteristics. Follow these five steps to develop the traits of an effective leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Prioritize learning and training</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\">Aim to learn as much as you can to build new skills and hone key qualities. Make a list of areas that need improvement and methods that can contribute to your progress. Taking an online course or completing a training session could help you improve your leadership skills through structured lessons and activities. For example, if you need to improve your approach to teamwork, enroll in your company’s next team-building seminar.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Adopt a leadership style</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\">Many prominent leaders create their own versions of the most common approaches to leadership. Get to know some of the most effective styles, and adopt one that works best with your personality, industry and goals. For example, consider a coaching style that centers on helping all of your team members become the best versions of themselves or try a visionary style that enables you to focus on driving progress through innovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Ask for more responsibilities</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\">One of the best ways to practice leadership skills and develop key traits is to take on responsibilities that allow you to lead. Consider asking your supervisor to let you give an important presentation at a meeting or to handle an oversight role during your next project. Focus on advancing the leadership traits you need to improve to get the most out of your new responsibilities. For example, speaking for your team during a meeting can help you work on confidence while overseeing a project can help with team-building.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Improve your communication skills</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\">The most effective leaders can speak and write clearly as well as listen to understand. Learn to communicate your mission and ideas verbally and in writing, focusing on providing the clearest message possible. You should also understand how to process feedback and suggestions to ensure an objective approach to problem-solving that emphasizes improvement. Since these skills are critical to a leader’s success, consider taking a class on professional communication to better excel in this area.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Learn from a mentor</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\">Developing leadership traits can be made easier when you work closely with a superior you admire. Take advantage of any mentorship programs your company offers, and develop a relationship with a colleague who is more advanced in your field. You can also seek out a mentor independently through networking events or professional groups. Try scheduling monthly meetings to talk with your mentor about career development and strategies for leading in your field.</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\">How to showcase common leadership traits when applying for a job</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\">Cultivating the qualities of a leader allows you to advance your career, especially when you are applying for a new job. From writing your resume and cover letter to succeeding in an interview, follow these steps to showcase different leadership traits during the job application process.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. List leadership skills on your resume</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\">The skills section of your resume can be the ideal opportunity to highlight the leadership traits you have mastered. List three of your best soft skills to showcase which leadership qualities you excel in the most. After each characteristic, include a brief explanation to convey how these soft skills translate to the workplace.</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>Example:</strong><em> “Skilled team builder: Oversaw three specialized teams and provided daily motivation, management and communication during a $10 million client project.”</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Mention leadership characteristics in your cover letter</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\">Since your resume largely focuses on professional experience and measurable accomplishments, your cover letter is your chance to discuss your soft skills in more detail. Take this opportunity to highlight your most valuable leadership qualities, and explain how and why these traits are relevant to potential employers.</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\">Before writing a cover letter, review the job description and make a shortlist of the most important leadership traits for the position. Then include each quality in the narrative of your cover letter.</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>Example:</strong> <em>“After moving into a managerial role and becoming responsible for vetting new projects, I mastered the art of risk assessment. As a result, the projects my team completed were overwhelmingly successful and generated average revenues of $10 million.”</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Discuss leadership personality traits during your interview</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\">When you advance to the interview stage, you have the opportunity to discuss your leadership qualities with your potential employer. To prepare, refer to your list of essential qualities for the position. Think of a few situations where you exhibited those traits at work. Memorize the key points, and be ready to share the best examples at opportune moments during your interview.</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>Example:</strong> <em>“You mentioned that this role requires flexibility. In my previous position, I learned how to adapt by joining a team that had to pivot based on changing market conditions. This experience helped me become more flexible with my methods to achieve goals.”</em></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, <a href=\"https://www.indeed.com/career-advice/career-development/top-leadership-traits\">click here.</a></p>\n<!-- /wp:paragraph -->','Leadership Traits: 10 Top Qualities of Effective Leaders','','inherit','closed','closed','','3143-revision-v1','','','2023-04-30 02:59:15','2023-04-30 02:59:15','',3143,'http://smartinsurance.tips/?p=3145',0,'revision','',0),(3146,1,'2023-04-30 04:30:09','2023-04-30 04:30:09','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Use a product purgatory to part with your unwanted possessions.</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\":3147,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Health.png\" alt=\"\" class=\"wp-image-3147\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>KEY POINTS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Although many consumers have more stuff than they want and need, getting rid of unused items is difficult.</li><li>A product purgatory is not merely a convenient storage space that puts the product out of sight and out of mind.</li><li>Purgatory can serve a larger psychological function.</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\">We all have more and more stuff. Not only do we live in larger and larger houses to accommodate our stuff, but recent years have also seen massive increases in consumers’ rental of personal storage units. That means that consumers are paying with their hard-earned cash to store things they are currently not using, and might in fact never use again. But if having to live with boxes of unused things in their home or having to pay for expensive storage is not enough to get consumers to throw out what they don’t need, what will help?</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\">A new paper provides such help to consumers. The authors (Isaac &amp; Vinoo, 2023) investigate what happens when consumers use a so-called product purgatory: This is a place where consumers store items that they consider discarding. You might have such a product purgatory in your own home without knowing. Maybe you have a space in the attic where you store the clothes and toys that your children have grown out of. Maybe you have a box in the garage for your own no-longer-wanted clothes that you haven’t quite had the heart yet to donate.</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\">The research shows that such a product purgatory is not merely a convenient storage space that puts the product out of sight and out of mind. Instead, it can serve a larger psychological function. By placing an item in this product purgatory, consumers can mentally simulate – or imagine in vivid detail – what it would feel like to get rid of the product entirely. The authors conducted several experiments to test this. For example, they asked consumers to take an item from their own kitchens that hadn’t been used in a while to either leave it where it is or move it to a storage location (in the garage or basement). Consumers who had moved the item to such a product purgatory afterward felt readier to dispose of the item than those who had kept the item in their kitchens. This happened because it was easier to imagine disposal when the item was already in purgatory.</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\">I find the role of mental simulation here especially interesting. In my own work (Steinmetz et al., 2018) I have found that mental simulation goes much deeper than simply thinking about something. For example, I asked volunteers to simulate in depth what it’s like to feel cold, and they actually felt colder as a result. This is why I find it really exciting to see that consumers can also simulate parting with unused objects, simply by putting them in a designated space where they store things to be thrown out or donated. Maybe consumers can anticipate the sometimes difficult emotions that arise when parting with an object: maybe some nostalgia, buyer’s regret, relief, or a mix of all of these emotions. Getting a taste of these emotions and feeling that they will pass might allow consumers to take the leap and throw out the object. This might not only relieve consumers of the mental and financial costs of storing unused items but also give them space to appreciate the objects they want to keep and truly love.</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, <a href=\"https://www.psychologytoday.com/us/blog/the-social-consumer/202303/the-life-hack-that-will-help-you-declutter\">click here.</a></p>\n<!-- /wp:paragraph -->','The Life Hack That Will Help You Declutter','','publish','closed','closed','','the-life-hack-that-will-help-you-declutter','','','2023-04-30 04:30:09','2023-04-30 04:30:09','',0,'http://smartinsurance.tips/?p=3146',0,'post','',0),(3147,1,'2023-04-30 04:28:35','2023-04-30 04:28:35','','Health','','inherit','closed','closed','','health-9','','','2023-04-30 04:28:35','2023-04-30 04:28:35','',3146,'http://smartinsurance.tips/wp-content/uploads/2023/04/Health.png',0,'attachment','image/png',0),(3148,1,'2023-04-30 04:30:09','2023-04-30 04:30:09','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Use a product purgatory to part with your unwanted possessions.</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\":3147,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Health.png\" alt=\"\" class=\"wp-image-3147\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>KEY POINTS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Although many consumers have more stuff than they want and need, getting rid of unused items is difficult.</li><li>A product purgatory is not merely a convenient storage space that puts the product out of sight and out of mind.</li><li>Purgatory can serve a larger psychological function.</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\">We all have more and more stuff. Not only do we live in larger and larger houses to accommodate our stuff, but recent years have also seen massive increases in consumers’ rental of personal storage units. That means that consumers are paying with their hard-earned cash to store things they are currently not using, and might in fact never use again. But if having to live with boxes of unused things in their home or having to pay for expensive storage is not enough to get consumers to throw out what they don’t need, what will help?</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\">A new paper provides such help to consumers. The authors (Isaac &amp; Vinoo, 2023) investigate what happens when consumers use a so-called product purgatory: This is a place where consumers store items that they consider discarding. You might have such a product purgatory in your own home without knowing. Maybe you have a space in the attic where you store the clothes and toys that your children have grown out of. Maybe you have a box in the garage for your own no-longer-wanted clothes that you haven’t quite had the heart yet to donate.</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\">The research shows that such a product purgatory is not merely a convenient storage space that puts the product out of sight and out of mind. Instead, it can serve a larger psychological function. By placing an item in this product purgatory, consumers can mentally simulate – or imagine in vivid detail – what it would feel like to get rid of the product entirely. The authors conducted several experiments to test this. For example, they asked consumers to take an item from their own kitchens that hadn’t been used in a while to either leave it where it is or move it to a storage location (in the garage or basement). Consumers who had moved the item to such a product purgatory afterward felt readier to dispose of the item than those who had kept the item in their kitchens. This happened because it was easier to imagine disposal when the item was already in purgatory.</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\">I find the role of mental simulation here especially interesting. In my own work (Steinmetz et al., 2018) I have found that mental simulation goes much deeper than simply thinking about something. For example, I asked volunteers to simulate in depth what it’s like to feel cold, and they actually felt colder as a result. This is why I find it really exciting to see that consumers can also simulate parting with unused objects, simply by putting them in a designated space where they store things to be thrown out or donated. Maybe consumers can anticipate the sometimes difficult emotions that arise when parting with an object: maybe some nostalgia, buyer’s regret, relief, or a mix of all of these emotions. Getting a taste of these emotions and feeling that they will pass might allow consumers to take the leap and throw out the object. This might not only relieve consumers of the mental and financial costs of storing unused items but also give them space to appreciate the objects they want to keep and truly love.</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, <a href=\"https://www.psychologytoday.com/us/blog/the-social-consumer/202303/the-life-hack-that-will-help-you-declutter\">click here.</a></p>\n<!-- /wp:paragraph -->','The Life Hack That Will Help You Declutter','','inherit','closed','closed','','3146-revision-v1','','','2023-04-30 04:30:09','2023-04-30 04:30:09','',3146,'http://smartinsurance.tips/?p=3148',0,'revision','',0),(3149,1,'2023-04-30 04:35:17','2023-04-30 04:35:17','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tips for conducting an effective new-car evaluation behind the wheel.</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\":3150,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Product-review.png\" alt=\"\" class=\"wp-image-3150\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This is your chance to see how the vehicle performs and whether you can detect any problems with its drivetrain, steering, suspension, brakes, or other important system.</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\">You should drive all of the vehicles you\'re considering on the same day so that you can compare them more easily. Drive them as long as possible—at least 30 minutes—and over different types of road surfaces and in various driving conditions. Plan your own driving route in advance. A salesperson or private seller may suggest routes that hide or minimize problems.</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\">Some dealers will let you take the car out by yourself, but don\'t be surprised if someone comes along. This is where your companion can come in handy. Let him or her deal with a jabbering salesperson as you concentrate on the vehicle.</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\">But this can be a potentially dangerous situation. A new car is likely to overly impress you, because it\'s better than the one you\'re now driving. It\'s important to compare it with other new vehicles that interest you rather than with your current car. The more vehicles you test-drive, the better perspective you\'ll develop.</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\">Listen and look for the things you like, and be on the lookout for things you might not be happy with. Many cars have personalities, and it\'s important to find one that matches yours. Little things that might seem insignificant now could become major irritants down the road.</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\">Here are a few things you should consider during your test drive. If possible, have your companion remind you of these points or even read them to you while you drive:</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\">Ride Comfort</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\">Gauge this on a stretch of imperfect pavement. Do the potholes, seams, and cracks in the pavement rattle your teeth and punch your kidneys? Or does the suspension isolate you from the road and keep you unaware of the decrepit road conditions?</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\">Soft suspensions feel pillowy over holes and ruts but allow the vehicle body to wallow up and down a bit after a large bump. The best vehicles feel tight and controlled over bumps, recovering immediately.</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\">Sporty cars usually have a firm ride, often a trade-off for their better handling characteristics. Firm can be good, but in small doses. Many buyers bitten by the sports-car bug have later come to regret it. A rough ride can quickly get old when every little ripple in the asphalt punches through as a teeth-chattering jolt.</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\">Some cars, especially small ones, have a \"busy\" ride, which means the body makes constant little jittery motions up and down or side to side. Avoid that if you can. The better cars have suspensions that swallow up pavement flaws without sharing them with the vehicle\'s occupants.</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\">Acceleration</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\">It\'s a scary feeling when you need acceleration ... NOW ... to pull out into traffic, but the engine feels unwilling—or unable—to deliver. So make sure you try a quick acceleration run from a stop and a rolling merge into fast freeway traffic. You want to be able to maintain highway speeds without flogging the car. If the engine has to scream to get you up to highway speed, look elsewhere.</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\">Try climbing a steep hill. Note whether the transmission downshifts smoothly and how the engine responds. You shouldn\'t feel any clunks or harsh, abrupt shifts. There should be seamless power delivery without any hiccups.</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, dependable acceleration is one part engine power, one part effective transmission. Even a powerful engine can feel lame if it\'s coupled with a mediocre transmission. Conversely, a lower-horsepower engine can perform better in combination with a well-designed transmission.</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\">A major benefit of a test drive is to see whether you like the powertrain. If you weren\'t impressed, now is the time to try a different one, if available, or to look at other brands.</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\">Braking</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\">During your drive, pay attention to how the brakes feel. Are they responsive without being too touchy? Braking is hard to evaluate thoroughly without professional help, but you can do a basic assessment. Just make sure to warn the salesperson in advance.</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\">Try to get a sense of how the vehicle responds to soft and more forceful braking. It should be smooth and progressive. Grabby brakes that suck out your eyeballs or ones that feel as if you\'re pushing into a bowl of oatmeal don\'t help driver confidence.</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\">Hybrid and electric cars will feel different under braking than the car you are used to driving. This is because they incorporate mechanisms to capture braking energy to charge the battery. They may feel slightly numb or isolated.</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\">Steering and Handling</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\">Good steering should feel easy and controllable through turns—not so quick that it feels darty and not so slow that it takes a lot of turning to make a maneuver. You should get \"feedback\" through the steering wheel: A good system will tell you what the wheels are doing on the road. Lesser systems feel numb and disconnected from the wheels.</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\">Steering systems have evolved rapidly over the past few years. Variable power steering, which adds more heft at higher speeds and lightens up the steering effort at slow speeds—like parking—is commonplace.</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\">Electric systems—either fully or partly electric—are found in more and more vehicles. They don\'t use hydraulic lines to help move the wheels left or right. Instead, they send signals to the gears that move the rack.</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\">The benefit is marginal gains in fuel economy through the removal of the hydraulic system. But often that comes at the expense of steering feel and heft. The better systems are transparent: You\'d never know the type of system. Weaker systems often feel artificially light or heavy, or never have the appropriate weight for the conditions. Some are too heavy when parking and overly light on the highway.</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\">When driving, consider how the car responds to quick maneuvers. Check whether it tracks well when driving straight ahead or whether it requires small, continual corrections. Because the vehicle\'s response to quick steering maneuvers is a key factor in avoiding an accident, it\'s important to be comfortable with the way your vehicle reacts.</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\">One thing to remember: Don\'t play race car driver. A test drive isn\'t the time to push an unfamiliar vehicle to its handling and braking limits.</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\">Quietness</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\">At one point during the test drive, turn off the radio and close all of the windows so that you can hear what is going on, especially at highway speeds. Check how subdued or raucous the engine is during heavy acceleration and highway cruising.</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\">Four-cylinder engines tend to be the noisiest, so you may also want to try a V6—if it\'s offered—to see whether it\'s any better. Remember: Engines don\'t get quieter with age. Something that\'s borderline offensive during a test drive will be downright unlivable as time goes by.</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\">Is there excessive wind noise? Side mirrors are a big source of wind noise, as are roof rails on SUVs and wagons. Tires can be another source of noise. High-performance tires on cars and off-road tires on SUVs and pickup trucks tend to create the most noise. Though annoying, this noise is often a big part of the ownership experience, and people who gravitate toward these vehicles are usually not bothered by it. But the test drive is a good way to find out your tolerance level.</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\">Visibility</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\">This can vary greatly, even among similar vehicles. But you can tell which ones have the best visibility during your back-to-back drives. Don\'t forget to check rear visibility when backing up, and the size of the rear blind zone. Backup cameras are just part of the rear-visibility equation. They shouldn\'t have to compensate for thick roof pillars and small windows.</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\">Of course, daytime visibility is important. But once you are serious about buying a car, try to test-drive it after dark. This way you\'ll be able to tell how well the headlights perform; which switches, gauges, and controls are lighted for nighttime use; and whether there are any annoying reflections in the windshield.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:separator -->\n<hr class=\"wp-block-separator\"/>\n<!-- /wp:separator -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What to Do After the Test Drive</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 can bet that once the test drive ends, the hard-sell process will begin. Your salesperson is counting on you being jazzed from driving a new car and ready to seal the deal. But this isn\'t the ideal time to start negotiating, especially if you still have other cars to test-drive. In reality, you need this time to collect your thoughts. Even if you absolutely love a car, keep your emotions in check.</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\">Use a test-drive checklist to help organize your notes. How you\'re treated during your first visit to a dealership may tell you a lot about a future relationship, so make sure you\'re comfortable with the atmosphere and test-drive experience. Your test-drives give you a good chance to evaluate a variety of dealerships.</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\">Even the lowest possible price usually won\'t compensate for a bad dealership experience. Every salesperson you deal with should treat you with respect and honesty.</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\">But there are exceptions to every rule. So we have included some helpful questions that you should ask yourself when deciding where to buy your next vehicle:</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>Was the salesperson responsive to my questions?</li><li>Was I treated with respect?</li><li>Did I get all of the information I needed?</li><li>Did I get honest answers?</li><li>Was it easy to arrange a test-drive?</li><li>Did the dealership avoid any high-pressure tactics during my first encounter?</li><li>Was I invited back for more test-drives?</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\">If you answered \"yes\" to more than a few of those questions about a dealership, there\'s a good chance you might want to do business there. If you answered \"no\" often, you should think about going elsewhere to buy your car.</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, <a href=\"https://www.consumerreports.org/buying-a-car/how-to-test-drive-a-new-car-like-an-old-pro/\">click here.</a><a href=\"javascript:social_sharing(\'facebook\');\"></a><a href=\"javascript:social_sharing(\'twitter\');\"></a><a href=\"javascript:social_sharing(\'pinterest\');\"></a><a href=\"javascript:void(0);\"></a><a href=\"javascript:window.print();\"></a></p>\n<!-- /wp:paragraph -->','How to Test-Drive a New Car Like an Old Pro','','publish','closed','closed','','how-to-test-drive-a-new-car-like-an-old-pro','','','2023-04-30 04:35:17','2023-04-30 04:35:17','',0,'http://smartinsurance.tips/?p=3149',0,'post','',0),(3150,1,'2023-04-30 04:31:53','2023-04-30 04:31:53','','Product-review','','inherit','closed','closed','','product-review-4','','','2023-04-30 04:31:53','2023-04-30 04:31:53','',3149,'http://smartinsurance.tips/wp-content/uploads/2023/04/Product-review.png',0,'attachment','image/png',0),(3151,1,'2023-04-30 04:35:17','2023-04-30 04:35:17','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tips for conducting an effective new-car evaluation behind the wheel.</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\":3150,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Product-review.png\" alt=\"\" class=\"wp-image-3150\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This is your chance to see how the vehicle performs and whether you can detect any problems with its drivetrain, steering, suspension, brakes, or other important system.</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\">You should drive all of the vehicles you\'re considering on the same day so that you can compare them more easily. Drive them as long as possible—at least 30 minutes—and over different types of road surfaces and in various driving conditions. Plan your own driving route in advance. A salesperson or private seller may suggest routes that hide or minimize problems.</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\">Some dealers will let you take the car out by yourself, but don\'t be surprised if someone comes along. This is where your companion can come in handy. Let him or her deal with a jabbering salesperson as you concentrate on the vehicle.</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\">But this can be a potentially dangerous situation. A new car is likely to overly impress you, because it\'s better than the one you\'re now driving. It\'s important to compare it with other new vehicles that interest you rather than with your current car. The more vehicles you test-drive, the better perspective you\'ll develop.</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\">Listen and look for the things you like, and be on the lookout for things you might not be happy with. Many cars have personalities, and it\'s important to find one that matches yours. Little things that might seem insignificant now could become major irritants down the road.</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\">Here are a few things you should consider during your test drive. If possible, have your companion remind you of these points or even read them to you while you drive:</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\">Ride Comfort</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\">Gauge this on a stretch of imperfect pavement. Do the potholes, seams, and cracks in the pavement rattle your teeth and punch your kidneys? Or does the suspension isolate you from the road and keep you unaware of the decrepit road conditions?</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\">Soft suspensions feel pillowy over holes and ruts but allow the vehicle body to wallow up and down a bit after a large bump. The best vehicles feel tight and controlled over bumps, recovering immediately.</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\">Sporty cars usually have a firm ride, often a trade-off for their better handling characteristics. Firm can be good, but in small doses. Many buyers bitten by the sports-car bug have later come to regret it. A rough ride can quickly get old when every little ripple in the asphalt punches through as a teeth-chattering jolt.</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\">Some cars, especially small ones, have a \"busy\" ride, which means the body makes constant little jittery motions up and down or side to side. Avoid that if you can. The better cars have suspensions that swallow up pavement flaws without sharing them with the vehicle\'s occupants.</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\">Acceleration</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\">It\'s a scary feeling when you need acceleration ... NOW ... to pull out into traffic, but the engine feels unwilling—or unable—to deliver. So make sure you try a quick acceleration run from a stop and a rolling merge into fast freeway traffic. You want to be able to maintain highway speeds without flogging the car. If the engine has to scream to get you up to highway speed, look elsewhere.</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\">Try climbing a steep hill. Note whether the transmission downshifts smoothly and how the engine responds. You shouldn\'t feel any clunks or harsh, abrupt shifts. There should be seamless power delivery without any hiccups.</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, dependable acceleration is one part engine power, one part effective transmission. Even a powerful engine can feel lame if it\'s coupled with a mediocre transmission. Conversely, a lower-horsepower engine can perform better in combination with a well-designed transmission.</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\">A major benefit of a test drive is to see whether you like the powertrain. If you weren\'t impressed, now is the time to try a different one, if available, or to look at other brands.</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\">Braking</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\">During your drive, pay attention to how the brakes feel. Are they responsive without being too touchy? Braking is hard to evaluate thoroughly without professional help, but you can do a basic assessment. Just make sure to warn the salesperson in advance.</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\">Try to get a sense of how the vehicle responds to soft and more forceful braking. It should be smooth and progressive. Grabby brakes that suck out your eyeballs or ones that feel as if you\'re pushing into a bowl of oatmeal don\'t help driver confidence.</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\">Hybrid and electric cars will feel different under braking than the car you are used to driving. This is because they incorporate mechanisms to capture braking energy to charge the battery. They may feel slightly numb or isolated.</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\">Steering and Handling</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\">Good steering should feel easy and controllable through turns—not so quick that it feels darty and not so slow that it takes a lot of turning to make a maneuver. You should get \"feedback\" through the steering wheel: A good system will tell you what the wheels are doing on the road. Lesser systems feel numb and disconnected from the wheels.</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\">Steering systems have evolved rapidly over the past few years. Variable power steering, which adds more heft at higher speeds and lightens up the steering effort at slow speeds—like parking—is commonplace.</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\">Electric systems—either fully or partly electric—are found in more and more vehicles. They don\'t use hydraulic lines to help move the wheels left or right. Instead, they send signals to the gears that move the rack.</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\">The benefit is marginal gains in fuel economy through the removal of the hydraulic system. But often that comes at the expense of steering feel and heft. The better systems are transparent: You\'d never know the type of system. Weaker systems often feel artificially light or heavy, or never have the appropriate weight for the conditions. Some are too heavy when parking and overly light on the highway.</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\">When driving, consider how the car responds to quick maneuvers. Check whether it tracks well when driving straight ahead or whether it requires small, continual corrections. Because the vehicle\'s response to quick steering maneuvers is a key factor in avoiding an accident, it\'s important to be comfortable with the way your vehicle reacts.</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\">One thing to remember: Don\'t play race car driver. A test drive isn\'t the time to push an unfamiliar vehicle to its handling and braking limits.</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\">Quietness</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\">At one point during the test drive, turn off the radio and close all of the windows so that you can hear what is going on, especially at highway speeds. Check how subdued or raucous the engine is during heavy acceleration and highway cruising.</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\">Four-cylinder engines tend to be the noisiest, so you may also want to try a V6—if it\'s offered—to see whether it\'s any better. Remember: Engines don\'t get quieter with age. Something that\'s borderline offensive during a test drive will be downright unlivable as time goes by.</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\">Is there excessive wind noise? Side mirrors are a big source of wind noise, as are roof rails on SUVs and wagons. Tires can be another source of noise. High-performance tires on cars and off-road tires on SUVs and pickup trucks tend to create the most noise. Though annoying, this noise is often a big part of the ownership experience, and people who gravitate toward these vehicles are usually not bothered by it. But the test drive is a good way to find out your tolerance level.</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\">Visibility</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\">This can vary greatly, even among similar vehicles. But you can tell which ones have the best visibility during your back-to-back drives. Don\'t forget to check rear visibility when backing up, and the size of the rear blind zone. Backup cameras are just part of the rear-visibility equation. They shouldn\'t have to compensate for thick roof pillars and small windows.</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\">Of course, daytime visibility is important. But once you are serious about buying a car, try to test-drive it after dark. This way you\'ll be able to tell how well the headlights perform; which switches, gauges, and controls are lighted for nighttime use; and whether there are any annoying reflections in the windshield.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:separator -->\n<hr class=\"wp-block-separator\"/>\n<!-- /wp:separator -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What to Do After the Test Drive</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 can bet that once the test drive ends, the hard-sell process will begin. Your salesperson is counting on you being jazzed from driving a new car and ready to seal the deal. But this isn\'t the ideal time to start negotiating, especially if you still have other cars to test-drive. In reality, you need this time to collect your thoughts. Even if you absolutely love a car, keep your emotions in check.</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\">Use a test-drive checklist to help organize your notes. How you\'re treated during your first visit to a dealership may tell you a lot about a future relationship, so make sure you\'re comfortable with the atmosphere and test-drive experience. Your test-drives give you a good chance to evaluate a variety of dealerships.</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\">Even the lowest possible price usually won\'t compensate for a bad dealership experience. Every salesperson you deal with should treat you with respect and honesty.</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\">But there are exceptions to every rule. So we have included some helpful questions that you should ask yourself when deciding where to buy your next vehicle:</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>Was the salesperson responsive to my questions?</li><li>Was I treated with respect?</li><li>Did I get all of the information I needed?</li><li>Did I get honest answers?</li><li>Was it easy to arrange a test-drive?</li><li>Did the dealership avoid any high-pressure tactics during my first encounter?</li><li>Was I invited back for more test-drives?</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\">If you answered \"yes\" to more than a few of those questions about a dealership, there\'s a good chance you might want to do business there. If you answered \"no\" often, you should think about going elsewhere to buy your car.</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, <a href=\"https://www.consumerreports.org/buying-a-car/how-to-test-drive-a-new-car-like-an-old-pro/\">click here.</a><a href=\"javascript:social_sharing(\'facebook\');\"></a><a href=\"javascript:social_sharing(\'twitter\');\"></a><a href=\"javascript:social_sharing(\'pinterest\');\"></a><a href=\"javascript:void(0);\"></a><a href=\"javascript:window.print();\"></a></p>\n<!-- /wp:paragraph -->','How to Test-Drive a New Car Like an Old Pro','','inherit','closed','closed','','3149-revision-v1','','','2023-04-30 04:35:17','2023-04-30 04:35:17','',3149,'http://smartinsurance.tips/?p=3151',0,'revision','',0),(3152,1,'2023-04-30 05:48:46','2023-04-30 05:48:46','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3153,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-1.png\" alt=\"\" class=\"wp-image-3153\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may not know how important your driveway is until it is no longer there. A clean and effective driveway, as the principal entrance to your home, can either enhance the aesthetics of your property or be required to climb up the hill you live 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\"><strong>In most homeowners insurance policies, driveways are listed as a structure that is covered against financial loss. Your home’s insurance should cover your driveway depending on the type of damage it sustains. Check the fine print for your particular policy to see exactly what it does and does not cover. </strong></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 either case, knowing whether, when, and how your homeowner’s insurance covers your driveway could be beneficial. Let’s have a look at the ins and outs of these situations so you can know what to expect.</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\">Does Homeowners Insurance Cover Damaged Driveways?</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 driveway is most likely covered under your policy’s dwelling (Coverage A) or other structures (Coverage B) sections.</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\">Your home insurance policy’s dwelling coverage protects the structure of your home and everything permanently attached to it, such as decks and porches. If your garage is attached to your house and your driveway is connected to it, it’s most certainly covered under your homeowner’s insurance.</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\">If your driveway leads to a detached garage or carport, it may fall within the other structures section of your policy, but it should still be covered.</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\">The HO-3 form, which is the most prevalent type of homeowners insurance coverage, protects you from over a dozen stated probable causes of harm. Damage from fire, hail and hurricanes are just a few of the covered perils that could harm your driveway.</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\">What If Your Driveway Isn’t Covered?</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\">Insurance does not, however, cover all types of weather-related damage. Homeowners insurance does not cover floods or earth movements, which are two of the most common causes of driveway 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\">You’re probably not protected if your driveway crumbled or shifted because the earth beneath it shifted. Furthermore, your provider will not reimburse you if your driveway was washed out by rain or harmed in some other way by a flood.</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\">When Your Insurance Doesn’t Cover Your Driveway</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\">You wouldn’t be covered either if the damage happened gradually over time or if it was inflicted by someone who lives in the residence.</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\">For example, if you wear out your driveway over time by parking and driving your car in the same spot, your insurance will not cover the cost because you caused the problem via normal wear and use.</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 many places of the United States, asphalt driveways are common. If they’re exposed to the light every day, they’ll eventually crack.</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\">They’re also vulnerable to harm if the earth beneath them shifts due to water. These incidents would not be covered either since they were not unexpected and the damage might be classified as normal wear and tear.</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\">Another improbable but potential reason for coverage denial is if your driveway connects to a detached garage or shed where you do business. Your insurer may view it as a part of your home’s structure rather than a part of your business, which necessitates different insurance coverage than a homeowners 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\">Is Driveway Replacement Or Repair Covered By Homeowners 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\">If you file a claim after your driveway is damaged by a covered risk, your homeowner’s insurance should compensate you for a new one.&nbsp;Let’s imagine your driveway is ripped apart by a tornado or a tree falls on it after a major storm. Both of these scenarios are usually covered by a homeowner’s insurance policy.</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\">If the damage exceeds your deductible, you can make a claim, and your insurance company will either refund you for the entire driveway or replace the damaged portion.</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\">Your supplier should also cover debris removal, so you should be covered for removing the old driveway (or the fallen tree that’s on it).</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\">When it comes to replacing your driveway, be sure you understand if your policy will cover the driveway’s real cash value or its replacement cost. Another improbable but potential reason for coverage denial is if your driveway connects to a detached garage or shed where you do business.</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\">Your insurer may view it as a part of your home’s structure rather than a part of your business, which necessitates different insurance coverage than a homeowners 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\">How Much Does It Cost To Repair A Damaged Driveway?</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\">If you discover that your particular situation isn’t covered by homeowners insurance then you’ll need to come up with the costs yourself. But, how much will this cost you?</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\">The cost to repair a damaged driveway depends on the type of driveway you have. Here are the following overall prices for driveway repair:</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><strong>Concrete: $300 – $3,000</strong></li><li><strong>Brick: $500 – $1,200</strong></li><li><strong>Heated: $500 – $6,000</strong></li><li><strong>Gravel: $5 – $500</strong></li><li><strong>Asphalt: $250 – $800</strong></li><li><strong>Cobblestone: $600 – $1,200</strong></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\">Price Per Square Foot For Driveway Repair</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\">As you can see, the price for driveway repair is highly variable depending on the material that you use. To get a better idea of how much it will cost you, it’s best to figure out the square footage of your driveway:</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><strong>Concrete</strong><ul><li><strong>Resurfacing</strong>: $3 to $7 per sq ft</li><li><strong>Crack Repair</strong>: $5 to $10 per sq ft</li><li><strong>Sealant</strong>: $8 to $12 per sq ft</li></ul></li><li><strong>Brick</strong><ul><li><strong>Brick Pavers:&nbsp;</strong>$0.50 to $1.80 per brick or $2 to $8 per sq ft</li><li><strong>Tree Removal:&nbsp;</strong>$320 to $800</li></ul></li><li><strong>Heated</strong><ul><li><strong>Radiant heating tubes:&nbsp;</strong>$4 to $12 per sq ft</li><li><strong>Boiler Replacement:&nbsp;</strong>$1,200 to $6,000</li></ul></li><li><strong>Gravel</strong><ul><li><strong>Re-grading:&nbsp;</strong>$0.50 to $2.20 per sq ft</li><li><strong>Resurfacing:&nbsp;</strong>$0.25 to $0.75 per sq ft</li><li><strong>Patchwork:&nbsp;</strong>$2 to $8 per bag of gravel</li></ul></li><li><strong>Asphalt</strong><ul><li><strong>Potholes:</strong>&nbsp;$100 to $400</li><li><strong>Hot and cold patching:</strong>&nbsp;$2 to $5 per sq ft</li><li><strong>Saw-cut Repairs:</strong>&nbsp;$4 to $12 per sq ft</li></ul></li><li><strong>Cobblestone</strong><ul><li><strong>Individual stone replacement:&nbsp;</strong>$8 to $20 per sq ft</li><li><strong>Sand:&nbsp;</strong>$3 to $5 per sq ft</li><li><strong>Re-leveling:&nbsp;</strong>$6 to $12 per sq ft</li></ul></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\">Knowing the elements of each cost will help you to be able to narrow down the cost for your project. It’s best to estimate this, and if your driveway is at high risk for damage then set aside that amount so you have it in the event that your insurance doesn’t cover the damage.</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\">Related Questions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">Is a driveway regarded as a separate structure?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other Structures – a section of a homeowner’s policy that covers structures on the property that are isolated from the dwelling by a clear area or connected to the dwelling by a fence, utility line, or other similar connection. A detached garage, tool shed, driveway, swimming pool, gazebo, or fence are all examples.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">What kind of damages aren’t covered by homeowner’s insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Damage caused by termites and insects, birds or rodents, rust, rot, mold, and regular wear and tear is not covered.</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\">Damage from pollution or smoke generated by industrial or agricultural activity is also not covered. If something is poorly manufactured or has a concealed fault, it will almost always be excluded from coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">Is driveway repair covered by homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a covered risk, such as a natural disaster or vandalism, caused the fracture in the driveway, home insurance may cover the cost of repair.</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\">Assume a storm toppled a massive tree, cracking your driveway. In some circumstances, where an unexpected incident occurs, the homeowner’s insurance policy will cover it.</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, <a href=\"https://upgradedhome.com/does-homeowners-insurance-cover-driveway-damage/\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Driveway Damage?','','publish','closed','closed','','does-homeowners-insurance-cover-driveway-damage-2','','','2023-04-30 05:48:46','2023-04-30 05:48:46','',0,'http://smartinsurance.tips/?p=3152',0,'post','',0),(3153,1,'2023-04-30 05:40:25','2023-04-30 05:40:25','','Insurance-1','','inherit','closed','closed','','insurance-1-12','','','2023-04-30 05:40:25','2023-04-30 05:40:25','',3152,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-1.png',0,'attachment','image/png',0),(3154,1,'2023-04-30 05:48:46','2023-04-30 05:48:46','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3153,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-1.png\" alt=\"\" class=\"wp-image-3153\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may not know how important your driveway is until it is no longer there. A clean and effective driveway, as the principal entrance to your home, can either enhance the aesthetics of your property or be required to climb up the hill you live 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\"><strong>In most homeowners insurance policies, driveways are listed as a structure that is covered against financial loss. Your home’s insurance should cover your driveway depending on the type of damage it sustains. Check the fine print for your particular policy to see exactly what it does and does not cover. </strong></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 either case, knowing whether, when, and how your homeowner’s insurance covers your driveway could be beneficial. Let’s have a look at the ins and outs of these situations so you can know what to expect.</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\">Does Homeowners Insurance Cover Damaged Driveways?</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 driveway is most likely covered under your policy’s dwelling (Coverage A) or other structures (Coverage B) sections.</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\">Your home insurance policy’s dwelling coverage protects the structure of your home and everything permanently attached to it, such as decks and porches. If your garage is attached to your house and your driveway is connected to it, it’s most certainly covered under your homeowner’s insurance.</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\">If your driveway leads to a detached garage or carport, it may fall within the other structures section of your policy, but it should still be covered.</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\">The HO-3 form, which is the most prevalent type of homeowners insurance coverage, protects you from over a dozen stated probable causes of harm. Damage from fire, hail and hurricanes are just a few of the covered perils that could harm your driveway.</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\">What If Your Driveway Isn’t Covered?</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\">Insurance does not, however, cover all types of weather-related damage. Homeowners insurance does not cover floods or earth movements, which are two of the most common causes of driveway 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\">You’re probably not protected if your driveway crumbled or shifted because the earth beneath it shifted. Furthermore, your provider will not reimburse you if your driveway was washed out by rain or harmed in some other way by a flood.</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\">When Your Insurance Doesn’t Cover Your Driveway</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\">You wouldn’t be covered either if the damage happened gradually over time or if it was inflicted by someone who lives in the residence.</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\">For example, if you wear out your driveway over time by parking and driving your car in the same spot, your insurance will not cover the cost because you caused the problem via normal wear and use.</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 many places of the United States, asphalt driveways are common. If they’re exposed to the light every day, they’ll eventually crack.</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\">They’re also vulnerable to harm if the earth beneath them shifts due to water. These incidents would not be covered either since they were not unexpected and the damage might be classified as normal wear and tear.</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\">Another improbable but potential reason for coverage denial is if your driveway connects to a detached garage or shed where you do business. Your insurer may view it as a part of your home’s structure rather than a part of your business, which necessitates different insurance coverage than a homeowners 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\">Is Driveway Replacement Or Repair Covered By Homeowners 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\">If you file a claim after your driveway is damaged by a covered risk, your homeowner’s insurance should compensate you for a new one.&nbsp;Let’s imagine your driveway is ripped apart by a tornado or a tree falls on it after a major storm. Both of these scenarios are usually covered by a homeowner’s insurance policy.</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\">If the damage exceeds your deductible, you can make a claim, and your insurance company will either refund you for the entire driveway or replace the damaged portion.</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\">Your supplier should also cover debris removal, so you should be covered for removing the old driveway (or the fallen tree that’s on it).</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\">When it comes to replacing your driveway, be sure you understand if your policy will cover the driveway’s real cash value or its replacement cost. Another improbable but potential reason for coverage denial is if your driveway connects to a detached garage or shed where you do business.</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\">Your insurer may view it as a part of your home’s structure rather than a part of your business, which necessitates different insurance coverage than a homeowners 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\">How Much Does It Cost To Repair A Damaged Driveway?</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\">If you discover that your particular situation isn’t covered by homeowners insurance then you’ll need to come up with the costs yourself. But, how much will this cost you?</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\">The cost to repair a damaged driveway depends on the type of driveway you have. Here are the following overall prices for driveway repair:</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><strong>Concrete: $300 – $3,000</strong></li><li><strong>Brick: $500 – $1,200</strong></li><li><strong>Heated: $500 – $6,000</strong></li><li><strong>Gravel: $5 – $500</strong></li><li><strong>Asphalt: $250 – $800</strong></li><li><strong>Cobblestone: $600 – $1,200</strong></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\">Price Per Square Foot For Driveway Repair</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\">As you can see, the price for driveway repair is highly variable depending on the material that you use. To get a better idea of how much it will cost you, it’s best to figure out the square footage of your driveway:</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><strong>Concrete</strong><ul><li><strong>Resurfacing</strong>: $3 to $7 per sq ft</li><li><strong>Crack Repair</strong>: $5 to $10 per sq ft</li><li><strong>Sealant</strong>: $8 to $12 per sq ft</li></ul></li><li><strong>Brick</strong><ul><li><strong>Brick Pavers:&nbsp;</strong>$0.50 to $1.80 per brick or $2 to $8 per sq ft</li><li><strong>Tree Removal:&nbsp;</strong>$320 to $800</li></ul></li><li><strong>Heated</strong><ul><li><strong>Radiant heating tubes:&nbsp;</strong>$4 to $12 per sq ft</li><li><strong>Boiler Replacement:&nbsp;</strong>$1,200 to $6,000</li></ul></li><li><strong>Gravel</strong><ul><li><strong>Re-grading:&nbsp;</strong>$0.50 to $2.20 per sq ft</li><li><strong>Resurfacing:&nbsp;</strong>$0.25 to $0.75 per sq ft</li><li><strong>Patchwork:&nbsp;</strong>$2 to $8 per bag of gravel</li></ul></li><li><strong>Asphalt</strong><ul><li><strong>Potholes:</strong>&nbsp;$100 to $400</li><li><strong>Hot and cold patching:</strong>&nbsp;$2 to $5 per sq ft</li><li><strong>Saw-cut Repairs:</strong>&nbsp;$4 to $12 per sq ft</li></ul></li><li><strong>Cobblestone</strong><ul><li><strong>Individual stone replacement:&nbsp;</strong>$8 to $20 per sq ft</li><li><strong>Sand:&nbsp;</strong>$3 to $5 per sq ft</li><li><strong>Re-leveling:&nbsp;</strong>$6 to $12 per sq ft</li></ul></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\">Knowing the elements of each cost will help you to be able to narrow down the cost for your project. It’s best to estimate this, and if your driveway is at high risk for damage then set aside that amount so you have it in the event that your insurance doesn’t cover the damage.</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\">Related Questions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">Is a driveway regarded as a separate structure?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other Structures – a section of a homeowner’s policy that covers structures on the property that are isolated from the dwelling by a clear area or connected to the dwelling by a fence, utility line, or other similar connection. A detached garage, tool shed, driveway, swimming pool, gazebo, or fence are all examples.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">What kind of damages aren’t covered by homeowner’s insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Damage caused by termites and insects, birds or rodents, rust, rot, mold, and regular wear and tear is not covered.</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\">Damage from pollution or smoke generated by industrial or agricultural activity is also not covered. If something is poorly manufactured or has a concealed fault, it will almost always be excluded from coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">Is driveway repair covered by homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a covered risk, such as a natural disaster or vandalism, caused the fracture in the driveway, home insurance may cover the cost of repair.</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\">Assume a storm toppled a massive tree, cracking your driveway. In some circumstances, where an unexpected incident occurs, the homeowner’s insurance policy will cover it.</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, <a href=\"https://upgradedhome.com/does-homeowners-insurance-cover-driveway-damage/\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Driveway Damage?','','inherit','closed','closed','','3152-revision-v1','','','2023-04-30 05:48:46','2023-04-30 05:48:46','',3152,'http://smartinsurance.tips/?p=3154',0,'revision','',0),(3155,1,'2023-04-30 06:04:43','2023-04-30 06:04:43','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3156,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-2.png\" alt=\"\" class=\"wp-image-3156\"/></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 Underinsured Motorist 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\" id=\"mntl-sc-block_1-0-1\">Underinsured motorist coverage is an addition to your auto insurance policy. It protects you if you\'re in an accident involving someone who doesn\'t have sufficient insurance of their own. In an accident, the insurance of the at-fault person is supposed to compensate the other injured person. If the at-fault party\'s policy has a limit below the cost of the damages, the injured party\'s underinsured motorist coverage would cover the rest.</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_1-0-3\">Underinsured coverage is not the same as uninsured coverage, which covers cases in which the at-fault driver has no insurance at all, though the two types may be bundled together. A handful of states require underinsured motorist coverage, while more require uninsured motorist coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Underinsured motorist coverage provides protection in case of an accident in which the at-fault driver doesn\'t have enough insurance to cover all damages.</li><li>This kind of coverage is a relatively inexpensive add-on to a regular auto insurance policy and can prove to be beneficial in the case of an accident.</li><li>A few states require drivers to have underinsured motorist coverage, while a greater amount requires uninsured motorist coverage.</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\">Understanding Underinsured Motorist 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\" id=\"mntl-sc-block_1-0-8\">When a person has an accident which is not their fault, and the other motorist does not have enough insurance to cover the damages, underinsured coverage kicks in. Once you&nbsp;file&nbsp;a claim with your provider, it will contact the other driver\'s insurance for payment. If the other driver did not carry enough insurance to cover your expenses adequately, the underinsured coverage would satisfy, up to the limit of your policy.</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_1-0-10\">For example, assume you have medical and automobile damages totaling $200,000. The other driver has insurance to cover only $100,000. You can claim the balance against your insurance provider, up to the limit of your policy\'s coverage. You can not request more than the actual costs you had as a direct result of the accident.&nbsp;</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_1-0-12\">Some insurance providers will have a limit on how long you can wait before you file your underinsured claim. These limits will vary by company and can be as little as 30 days. As the insurance company settles your claim, it will want copies and billings from all medical care received and any automobile repair that resulted from the event. If the insurance provider decides that the costs submitted with the claim are unnecessary—or not related to the accident—it will deny those amounts. If the policyholder disagrees with the decision of the insurance provider, the case will usually go to binding arbitration.</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: Your ability to sue an uninsured or underinsured driver depends on the laws in your state.</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_1-0-16\">Benefits of Underinsured Motorist 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\" id=\"mntl-sc-block_1-0-17\">​​​​​​​Underinsured motorist coverage is usually a relatively inexpensive add-on to your auto insurance policy cost, but can prove beneficial if you\'re in an accident where the driver who was found to be at fault does not have enough insurance to cover the cost of damages from the crash. This happens much more frequently than one might expect: One in every eight U. S. drivers on the road do not have insurance, reports the Insurance Research Council.</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_1-0-19\">Even if someone does have coverage, they may have only purchased the most basic state-required minimum amount, which varies by state. New Hampshire and Virginia are the only U.S. states that do not require a minimum amount of auto insurance coverage. However, all states have financial responsibility laws, so where there is no insurance requirement, there is a legal obligation to prove you can pay for damages if you cause an accident.</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_1-0-21\">Different types of underinsured motorist coverage are available from most insurance providers. Some coverage will include bodily injury and others will be for property damage, while still others will cover both costs. </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, <a href=\"https://www.investopedia.com/terms/u/underinsured-motorist-coverage.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Underinsured Motorist Coverage: Definition, Example, Benefits','','publish','closed','closed','','underinsured-motorist-coverage-definition-example-benefits','','','2023-04-30 06:04:43','2023-04-30 06:04:43','',0,'http://smartinsurance.tips/?p=3155',0,'post','',0),(3156,1,'2023-04-30 06:01:58','2023-04-30 06:01:58','','Insurance-2','','inherit','closed','closed','','insurance-2-12','','','2023-04-30 06:01:58','2023-04-30 06:01:58','',3155,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-2.png',0,'attachment','image/png',0),(3157,1,'2023-04-30 06:04:43','2023-04-30 06:04:43','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3156,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-2.png\" alt=\"\" class=\"wp-image-3156\"/></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 Underinsured Motorist 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\" id=\"mntl-sc-block_1-0-1\">Underinsured motorist coverage is an addition to your auto insurance policy. It protects you if you\'re in an accident involving someone who doesn\'t have sufficient insurance of their own. In an accident, the insurance of the at-fault person is supposed to compensate the other injured person. If the at-fault party\'s policy has a limit below the cost of the damages, the injured party\'s underinsured motorist coverage would cover the rest.</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_1-0-3\">Underinsured coverage is not the same as uninsured coverage, which covers cases in which the at-fault driver has no insurance at all, though the two types may be bundled together. A handful of states require underinsured motorist coverage, while more require uninsured motorist coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Underinsured motorist coverage provides protection in case of an accident in which the at-fault driver doesn\'t have enough insurance to cover all damages.</li><li>This kind of coverage is a relatively inexpensive add-on to a regular auto insurance policy and can prove to be beneficial in the case of an accident.</li><li>A few states require drivers to have underinsured motorist coverage, while a greater amount requires uninsured motorist coverage.</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\">Understanding Underinsured Motorist 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\" id=\"mntl-sc-block_1-0-8\">When a person has an accident which is not their fault, and the other motorist does not have enough insurance to cover the damages, underinsured coverage kicks in. Once you&nbsp;file&nbsp;a claim with your provider, it will contact the other driver\'s insurance for payment. If the other driver did not carry enough insurance to cover your expenses adequately, the underinsured coverage would satisfy, up to the limit of your policy.</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_1-0-10\">For example, assume you have medical and automobile damages totaling $200,000. The other driver has insurance to cover only $100,000. You can claim the balance against your insurance provider, up to the limit of your policy\'s coverage. You can not request more than the actual costs you had as a direct result of the accident.&nbsp;</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_1-0-12\">Some insurance providers will have a limit on how long you can wait before you file your underinsured claim. These limits will vary by company and can be as little as 30 days. As the insurance company settles your claim, it will want copies and billings from all medical care received and any automobile repair that resulted from the event. If the insurance provider decides that the costs submitted with the claim are unnecessary—or not related to the accident—it will deny those amounts. If the policyholder disagrees with the decision of the insurance provider, the case will usually go to binding arbitration.</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: Your ability to sue an uninsured or underinsured driver depends on the laws in your state.</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_1-0-16\">Benefits of Underinsured Motorist 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\" id=\"mntl-sc-block_1-0-17\">​​​​​​​Underinsured motorist coverage is usually a relatively inexpensive add-on to your auto insurance policy cost, but can prove beneficial if you\'re in an accident where the driver who was found to be at fault does not have enough insurance to cover the cost of damages from the crash. This happens much more frequently than one might expect: One in every eight U. S. drivers on the road do not have insurance, reports the Insurance Research Council.</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_1-0-19\">Even if someone does have coverage, they may have only purchased the most basic state-required minimum amount, which varies by state. New Hampshire and Virginia are the only U.S. states that do not require a minimum amount of auto insurance coverage. However, all states have financial responsibility laws, so where there is no insurance requirement, there is a legal obligation to prove you can pay for damages if you cause an accident.</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_1-0-21\">Different types of underinsured motorist coverage are available from most insurance providers. Some coverage will include bodily injury and others will be for property damage, while still others will cover both costs. </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, <a href=\"https://www.investopedia.com/terms/u/underinsured-motorist-coverage.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Underinsured Motorist Coverage: Definition, Example, Benefits','','inherit','closed','closed','','3155-revision-v1','','','2023-04-30 06:04:43','2023-04-30 06:04:43','',3155,'http://smartinsurance.tips/?p=3157',0,'revision','',0),(3158,1,'2023-04-30 06:10:55','2023-04-30 06:10:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3159,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-3.png\" alt=\"\" class=\"wp-image-3159\"/></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 a Good Student Discount?</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_1-0-1\">The term good student discount refers to an auto insurance policy discount available to young drivers who earn good grades in school. This discount assumes that young drivers who are responsible when it comes to their studies are more likely to be responsible drivers. As a result, they deserve to pay lower insurance premiums since they are less likely than teens with poor grades to file a claim with their insurance company. A good student discount provides an incentive to do well in school, as teenagers face some of the highest insurance premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Good student discounts reward high-school and college-age drivers who earn good grades with lower premiums on their car insurance.</li><li>Individual insurance companies that offer good student discounts set their own guidelines for the level of the discount and requisite grade-point average.</li><li>Premiums are generally higher for young males because they tend to be riskier drivers than young females.</li><li>Completing driver education, driving safely, avoiding accidents and traffic violations, and piggybacking on a parent\'s policy are all good ways for young drivers to keep their premiums low.</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\">Understanding the Good Student Discount</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_1-0-6\">Consumers purchase auto insurance policies to protect themselves against damages that stem from crashes and other events. Policyholders are required to pay regular premiums in order to receive coverage. Drivers can file claims to mitigate the costs associated with repairs and vehicle replacement in the event of an accident. Insurance is mandatory in every state except for New Hampshire and Virginia.</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_1-0-8\">Some insurance companies offer a variety of discounts based on a number of factors, including good student discounts. Companies that offer this program set their own guidelines, including the age range that discounts are offered, the minimum grade point average needed to qualify, and any terms that may disqualify a student during a period of insurance.</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_1-0-10\">Good student discounts—and any other applicable rebates—are a boon to teens and parents in the United States, as teenagers are charged some of the highest insurance premiums compared to other age groups. That\'s because young drivers lack driving experience, are more likely to get into car accidents and commit traffic violations.</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\">Policyholders may need to provide proof of eligibility in order to receive or continue receiving a good student discount. For instance, the insurance company may require a school transcript or a report card. For homeschooled students who can’t show a traditional report card, insurers may allow alternative proof, such as SAT scores that are in the top 20% of the national average. As such, good student discounts not only incentivize students to do well in school, they also them and/or their parents save money.</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: Some good student discount programs may be combined with others, including driver\'s education discounts and rebates when students are away at school.</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_1-0-16\">Special Considerations</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\">While a good student discount is helpful, insurers say the best way for young drivers to keep their premiums low is through safe driving. Avoiding accidents and traffic violations means avoiding the steep increase in premiums that can accompany these events. Being added to a parent’s policy rather than having one’s own policy can also save young drivers money through the multi-car discount.</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_1-0-19\">Contrary to most people\'s belief that men pay more than women do for auto insurance, a 2017 study by the Consumer Federation of America found that the reverse is often true. However, the CFA also found that premiums for 20-year-old women were generally lower than for 20-year-old men. Young men are simply riskier drivers. In one study that analyzed gender and age differences in fatal crashes, male drivers between 15 and 19 were more likely than female drivers of the same age to be:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-21\" class=\"has-black-color has-text-color has-large-font-size\"><li>Involved in fatal crashes</li><li>Speeding and driving outside their lane at the time of the crash</li><li>Drinking alcohol and driving recklessly</li><li>Charged with a serious violation, such as hit-and-run or manslaughter</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\" id=\"mntl-sc-block_1-0-23\">Male teens also tend to drive with more passengers in their cars. And compared with other age groups, teens and young adults often have the lowest rates of seat-belt use. In 2019, 43.1% of U.S. high school students did not always wear a seat belt when riding as passengers.</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_1-0-25\">The following additional tips to keep premiums down for young drivers: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-27\" class=\"has-black-color has-text-color has-large-font-size\"><li>Choose a safe vehicle with electronic stability control</li><li>Opt for higher deductibles</li><li>Complete driver’s education</li><li>Leave your car behind when you go to college</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\" id=\"mntl-sc-block_1-0-29\">You can also look into graduated driver licensing systems, which provide longer practice periods, limit driving under high-risk conditions for newly licensed drivers, and require greater participation from parents as their teens learn to drive. Research suggests that GDL systems, available in all states, can reduce both overall crashes and fatal crashes among 16-year-olds.</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_1-0-31\">Examples of Good Student Discounts</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_1-0-32\">One insurer may offer a 25% discount on premiums to full-time high school and college students who earn good grades—a B average or higher—until age 25. Another insurer may offer a 15% good student discount to unmarried drivers with at least a 3.0-grade point average in high school or college. GEICO, for instance, offers up to 15% on certain coverages for full-time students between the ages of 16 and 24 with a B average or better.</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, <a href=\"https://www.investopedia.com/terms/g/good-student-discount.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Good Student Discount','','publish','closed','closed','','good-student-discount','','','2023-04-30 06:10:55','2023-04-30 06:10:55','',0,'http://smartinsurance.tips/?p=3158',0,'post','',0),(3159,1,'2023-04-30 06:06:41','2023-04-30 06:06:41','','Insurance-3','','inherit','closed','closed','','insurance-3-8','','','2023-04-30 06:06:41','2023-04-30 06:06:41','',3158,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-3.png',0,'attachment','image/png',0),(3160,1,'2023-04-30 06:10:55','2023-04-30 06:10:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3159,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-3.png\" alt=\"\" class=\"wp-image-3159\"/></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 a Good Student Discount?</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_1-0-1\">The term good student discount refers to an auto insurance policy discount available to young drivers who earn good grades in school. This discount assumes that young drivers who are responsible when it comes to their studies are more likely to be responsible drivers. As a result, they deserve to pay lower insurance premiums since they are less likely than teens with poor grades to file a claim with their insurance company. A good student discount provides an incentive to do well in school, as teenagers face some of the highest insurance premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Good student discounts reward high-school and college-age drivers who earn good grades with lower premiums on their car insurance.</li><li>Individual insurance companies that offer good student discounts set their own guidelines for the level of the discount and requisite grade-point average.</li><li>Premiums are generally higher for young males because they tend to be riskier drivers than young females.</li><li>Completing driver education, driving safely, avoiding accidents and traffic violations, and piggybacking on a parent\'s policy are all good ways for young drivers to keep their premiums low.</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\">Understanding the Good Student Discount</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_1-0-6\">Consumers purchase auto insurance policies to protect themselves against damages that stem from crashes and other events. Policyholders are required to pay regular premiums in order to receive coverage. Drivers can file claims to mitigate the costs associated with repairs and vehicle replacement in the event of an accident. Insurance is mandatory in every state except for New Hampshire and Virginia.</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_1-0-8\">Some insurance companies offer a variety of discounts based on a number of factors, including good student discounts. Companies that offer this program set their own guidelines, including the age range that discounts are offered, the minimum grade point average needed to qualify, and any terms that may disqualify a student during a period of insurance.</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_1-0-10\">Good student discounts—and any other applicable rebates—are a boon to teens and parents in the United States, as teenagers are charged some of the highest insurance premiums compared to other age groups. That\'s because young drivers lack driving experience, are more likely to get into car accidents and commit traffic violations.</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\">Policyholders may need to provide proof of eligibility in order to receive or continue receiving a good student discount. For instance, the insurance company may require a school transcript or a report card. For homeschooled students who can’t show a traditional report card, insurers may allow alternative proof, such as SAT scores that are in the top 20% of the national average. As such, good student discounts not only incentivize students to do well in school, they also them and/or their parents save money.</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: Some good student discount programs may be combined with others, including driver\'s education discounts and rebates when students are away at school.</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_1-0-16\">Special Considerations</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\">While a good student discount is helpful, insurers say the best way for young drivers to keep their premiums low is through safe driving. Avoiding accidents and traffic violations means avoiding the steep increase in premiums that can accompany these events. Being added to a parent’s policy rather than having one’s own policy can also save young drivers money through the multi-car discount.</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_1-0-19\">Contrary to most people\'s belief that men pay more than women do for auto insurance, a 2017 study by the Consumer Federation of America found that the reverse is often true. However, the CFA also found that premiums for 20-year-old women were generally lower than for 20-year-old men. Young men are simply riskier drivers. In one study that analyzed gender and age differences in fatal crashes, male drivers between 15 and 19 were more likely than female drivers of the same age to be:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-21\" class=\"has-black-color has-text-color has-large-font-size\"><li>Involved in fatal crashes</li><li>Speeding and driving outside their lane at the time of the crash</li><li>Drinking alcohol and driving recklessly</li><li>Charged with a serious violation, such as hit-and-run or manslaughter</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\" id=\"mntl-sc-block_1-0-23\">Male teens also tend to drive with more passengers in their cars. And compared with other age groups, teens and young adults often have the lowest rates of seat-belt use. In 2019, 43.1% of U.S. high school students did not always wear a seat belt when riding as passengers.</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_1-0-25\">The following additional tips to keep premiums down for young drivers: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-27\" class=\"has-black-color has-text-color has-large-font-size\"><li>Choose a safe vehicle with electronic stability control</li><li>Opt for higher deductibles</li><li>Complete driver’s education</li><li>Leave your car behind when you go to college</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\" id=\"mntl-sc-block_1-0-29\">You can also look into graduated driver licensing systems, which provide longer practice periods, limit driving under high-risk conditions for newly licensed drivers, and require greater participation from parents as their teens learn to drive. Research suggests that GDL systems, available in all states, can reduce both overall crashes and fatal crashes among 16-year-olds.</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_1-0-31\">Examples of Good Student Discounts</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_1-0-32\">One insurer may offer a 25% discount on premiums to full-time high school and college students who earn good grades—a B average or higher—until age 25. Another insurer may offer a 15% good student discount to unmarried drivers with at least a 3.0-grade point average in high school or college. GEICO, for instance, offers up to 15% on certain coverages for full-time students between the ages of 16 and 24 with a B average or better.</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, <a href=\"https://www.investopedia.com/terms/g/good-student-discount.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Good Student Discount','','inherit','closed','closed','','3158-revision-v1','','','2023-04-30 06:10:55','2023-04-30 06:10:55','',3158,'http://smartinsurance.tips/?p=3160',0,'revision','',0),(3161,1,'2023-04-30 06:13:47','2023-04-30 06:13:47','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Aggressive driving can lead to accidents—and compromised coverage.</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\":3162,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-4.png\" alt=\"\" class=\"wp-image-3162\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Road rage incidents are not only dangerous, they are exempted from coverage by many auto insurance policies. Understand your risks and take precautionary measures to avoid being a victim—or a cause—of aggressive driving accidents.</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\">Crowded highways and traffic backups at times cause drivers to lose control and become extremely aggressive. Road rage is a real problem that can lead to serious accidents or even incidents of violence on the road.</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\">It\'s important to realize that road rage is listed as an exemption in many auto insurance policies. This is because any damage or liability stemming from aggressive driving isn\'t considered an accident but rather as having been caused by risky behavior.</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\">Rather than risk paying the consequences of road rage—one of which may be not having your auto insurance claim paid—it\'s best to avoid a dangerous and costly aggressive driving incident in the first place.</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\"><a></a>If you encounter an aggressive driver on the road…&nbsp;&nbsp;&nbsp;&nbsp;<strong>&nbsp;</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Stay as far away as possible.&nbsp;</strong>Slow down or change lanes if need be, let the driver pass you and give yourself room at intersections to drive away.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Record a description of the car and note the license plate number&nbsp;</strong>if possible so that you can report him or her to the police for the sake of everyone\'s safety.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Do not engage with or challenge the offender in any way.&nbsp;</strong>Ignore the driver\'s rudeness and don\'t give into the temptation to react in kind or you might escalate the risky behavior.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Put your safety first.&nbsp;</strong>If an aggressive driver starts to follow you, keep your doors locked, and head to the nearest police station.&nbsp;Never stop and confront an aggressive driver.</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\"><a></a>If you have a short fuse yourself stay cool and…</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Leave plenty of time to get where you need to go.</strong>&nbsp;When you\'re in a hurry, your patience is short and you are much more likely to become aggravated.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Remember other drivers are not annoying you on purpose</strong>. People make mistakes or they might be driving more slowly for a reason—they might be lost, or their sight might be impaired by sun glare.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t use hand—or single finger—gestures</strong>&nbsp;other than a wave to someone who lets you into your lane.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t tailgate slow drivers.&nbsp;</strong>Hanging on another car\'s back bumper is dangerous. If the car in front of you has to stop short and you rear-end it, the accident would be considered your fault.&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t honk your horn insistently</strong>. Leaning on your horn is a bad practice. While it might make you feel better to express your frustration in a traffic jam, it won\'t make anyone go any faster, it\'s annoying to other drivers and passengers and it increases everyone’s stress level, which may lead to more aggressive behavior.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Never stop to confront another driver</strong>. It could lead to a dangerous situation for all concerned.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.iii.org/article/road-rage-and-auto-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','Road Rage and Auto Insurance','','publish','closed','closed','','road-rage-and-auto-insurance','','','2023-04-30 06:13:47','2023-04-30 06:13:47','',0,'http://smartinsurance.tips/?p=3161',0,'post','',0),(3162,1,'2023-04-30 06:12:17','2023-04-30 06:12:17','','Insurance-4','','inherit','closed','closed','','insurance-4-9','','','2023-04-30 06:12:17','2023-04-30 06:12:17','',3161,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-4.png',0,'attachment','image/png',0),(3163,1,'2023-04-30 06:13:47','2023-04-30 06:13:47','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Aggressive driving can lead to accidents—and compromised coverage.</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\":3162,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-4.png\" alt=\"\" class=\"wp-image-3162\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Road rage incidents are not only dangerous, they are exempted from coverage by many auto insurance policies. Understand your risks and take precautionary measures to avoid being a victim—or a cause—of aggressive driving accidents.</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\">Crowded highways and traffic backups at times cause drivers to lose control and become extremely aggressive. Road rage is a real problem that can lead to serious accidents or even incidents of violence on the road.</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\">It\'s important to realize that road rage is listed as an exemption in many auto insurance policies. This is because any damage or liability stemming from aggressive driving isn\'t considered an accident but rather as having been caused by risky behavior.</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\">Rather than risk paying the consequences of road rage—one of which may be not having your auto insurance claim paid—it\'s best to avoid a dangerous and costly aggressive driving incident in the first place.</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\"><a></a>If you encounter an aggressive driver on the road…&nbsp;&nbsp;&nbsp;&nbsp;<strong>&nbsp;</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Stay as far away as possible.&nbsp;</strong>Slow down or change lanes if need be, let the driver pass you and give yourself room at intersections to drive away.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Record a description of the car and note the license plate number&nbsp;</strong>if possible so that you can report him or her to the police for the sake of everyone\'s safety.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Do not engage with or challenge the offender in any way.&nbsp;</strong>Ignore the driver\'s rudeness and don\'t give into the temptation to react in kind or you might escalate the risky behavior.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Put your safety first.&nbsp;</strong>If an aggressive driver starts to follow you, keep your doors locked, and head to the nearest police station.&nbsp;Never stop and confront an aggressive driver.</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\"><a></a>If you have a short fuse yourself stay cool and…</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Leave plenty of time to get where you need to go.</strong>&nbsp;When you\'re in a hurry, your patience is short and you are much more likely to become aggravated.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Remember other drivers are not annoying you on purpose</strong>. People make mistakes or they might be driving more slowly for a reason—they might be lost, or their sight might be impaired by sun glare.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t use hand—or single finger—gestures</strong>&nbsp;other than a wave to someone who lets you into your lane.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t tailgate slow drivers.&nbsp;</strong>Hanging on another car\'s back bumper is dangerous. If the car in front of you has to stop short and you rear-end it, the accident would be considered your fault.&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t honk your horn insistently</strong>. Leaning on your horn is a bad practice. While it might make you feel better to express your frustration in a traffic jam, it won\'t make anyone go any faster, it\'s annoying to other drivers and passengers and it increases everyone’s stress level, which may lead to more aggressive behavior.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Never stop to confront another driver</strong>. It could lead to a dangerous situation for all concerned.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.iii.org/article/road-rage-and-auto-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','Road Rage and Auto Insurance','','inherit','closed','closed','','3161-revision-v1','','','2023-04-30 06:13:47','2023-04-30 06:13:47','',3161,'http://smartinsurance.tips/?p=3163',0,'revision','',0),(3164,1,'2023-04-30 06:16:59','2023-04-30 06:16:59','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3165,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-5.png\" alt=\"\" class=\"wp-image-3165\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are advantages to being an older driver if you know the facts.</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\">Senior drivers on the road</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\">In general, drivers over the age of 55 are more courteous, and more likely to obey speed limits and follow the rules of the road. And those who are retirees often drive many fewer miles than when they commuted to work on a daily basis.</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\">Perhaps because of physical changes associated with age that affect eyesight, hearing and cognitive ability, senior drivers tend to be more cautious. For example, they might take safer back roads to avoid congestion on major thoroughfares; they may steer clear of rush-hour traffic. An older person is also more likely to avoid driving altogether when weather conditions are less than ideal, such as during a rainstorm or at night when visibility will be hampered.</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\"><a></a>Senior drivers can reduce car insurance costs</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\">Because they are in the car less and generally exhibit safe driving behaviors, most insurers companies offer&nbsp;auto insurance&nbsp;discounts to drivers over 55. Some discounts are associated with age; others discounts are earned upon completion of approved accident prevention courses for senior drivers.</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\">If you\'re over 55, check with your insurance professional for suggestions about other courses in your state that might qualify you for older driver discounts.</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\"><a></a>When seniors should stop driving</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\">Unfortunately, per miles driven, there\'s a higher mortality rate of senior drivers in car crashes. This is primarily due to the fact that it is harder for senior drivers to survive a serious collision, so knowing the right moment to stop driving is important.</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 many cases, senior drivers decide to stop driving when they recognize that their confidence has waned. Others may not realize that declining health, impaired senses or medication have adversely affected their driving skills and may comprise their safety or the safety of others.</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\">For many seniors, it can be psychologically traumatic to give up the self-sufficiency of being able to get oneself from place to place. When an aging relative’s driving may put him or her or others at risk, family members often have to intervene.</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\">Convincing a senior that he or she needs to give up the independence of driving needs to be done in a supportive, positive way that deals with the emotional aspect and offers practical transportation alternatives.</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\">One resource that provides guidance for this difficult conversation is a downloadable PDF entitled \"We Need to Talk,\" developed by The Hartford Insurance Company and the MIT AgeLab. From reading the signals that it\'s time for a senior to stop driving to tips on having the frank discussion to suggestions of viable transportation alternatives, the booklet is designed to address both the facts and the strong feelings that may arise when it’s time to put the keys away.</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.iii.org/article/senior-driving-safety-and-insurance-tips\">click here.</a></p>\n<!-- /wp:paragraph -->','Senior Driving Safety and Insurance Tips','','publish','closed','closed','','senior-driving-safety-and-insurance-tips','','','2023-04-30 06:17:59','2023-04-30 06:17:59','',0,'http://smartinsurance.tips/?p=3164',0,'post','',0),(3165,1,'2023-04-30 06:14:56','2023-04-30 06:14:56','','Insurance-5','','inherit','closed','closed','','insurance-5-12','','','2023-04-30 06:14:56','2023-04-30 06:14:56','',3164,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-5.png',0,'attachment','image/png',0),(3166,1,'2023-04-30 06:16:59','2023-04-30 06:16:59','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3165,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-5.png\" alt=\"\" class=\"wp-image-3165\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>There are advantages to being an older driver if you know the facts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Senior drivers on the road</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In general, drivers over the age of 55 are more courteous, and more likely to obey speed limits and follow the rules of the road. And those who are retirees often drive many fewer miles than when they commuted to work on a daily basis.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Perhaps because of physical changes associated with age that affect eyesight, hearing and cognitive ability, senior drivers tend to be more cautious. For example, they might take safer back roads to avoid congestion on major thoroughfares; they may steer clear of rush-hour traffic. An older person is also more likely to avoid driving altogether when weather conditions are less than ideal, such as during a rainstorm or at night when visibility will be hampered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><a></a>Senior drivers can reduce car insurance costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Because they are in the car less and generally exhibit safe driving behaviors, most insurers companies offer auto insurance discounts to drivers over 55. Some discounts are associated with age; others discounts are earned upon completion of approved accident prevention courses for senior drivers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you\'re over 55, check with your insurance professional for suggestions about other courses in your state that might qualify you for older driver discounts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><a></a>When seniors should stop driving</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Unfortunately, per miles driven, there\'s a higher mortality rate of senior drivers in car crashes. This is primarily due to the fact that it is harder for senior drivers to survive a serious collision, so knowing the right moment to stop driving is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In many cases, senior drivers decide to stop driving when they recognize that their confidence has waned. Others may not realize that declining health, impaired senses or medication have adversely affected their driving skills and may comprise their safety or the safety of others.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For many seniors, it can be psychologically traumatic to give up the self-sufficiency of being able to get oneself from place to place. When an aging relative’s driving may put him or her or others at risk, family members often have to intervene.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Convincing a senior that he or she needs to give up the independence of driving needs to be done in a supportive, positive way that deals with the emotional aspect and offers practical transportation alternatives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>One resource that provides guidance for this difficult conversation is a downloadable PDF entitled \"We Need to Talk,\" developed by The Hartford Insurance Company and the MIT AgeLab. From reading the signals that it\'s time for a senior to stop driving to tips on having the frank discussion to suggestions of viable transportation alternatives, the booklet is designed to address both the facts and the strong feelings that may arise when it’s time to put the keys away.</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, <a href=\"https://www.iii.org/article/senior-driving-safety-and-insurance-tips\">click here.</a></p>\n<!-- /wp:paragraph -->','Senior Driving Safety and Insurance Tips','','inherit','closed','closed','','3164-revision-v1','','','2023-04-30 06:16:59','2023-04-30 06:16:59','',3164,'http://smartinsurance.tips/?p=3166',0,'revision','',0),(3167,1,'2023-04-30 06:17:59','2023-04-30 06:17:59','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3165,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-5.png\" alt=\"\" class=\"wp-image-3165\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are advantages to being an older driver if you know the facts.</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\">Senior drivers on the road</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\">In general, drivers over the age of 55 are more courteous, and more likely to obey speed limits and follow the rules of the road. And those who are retirees often drive many fewer miles than when they commuted to work on a daily basis.</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\">Perhaps because of physical changes associated with age that affect eyesight, hearing and cognitive ability, senior drivers tend to be more cautious. For example, they might take safer back roads to avoid congestion on major thoroughfares; they may steer clear of rush-hour traffic. An older person is also more likely to avoid driving altogether when weather conditions are less than ideal, such as during a rainstorm or at night when visibility will be hampered.</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\"><a></a>Senior drivers can reduce car insurance costs</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\">Because they are in the car less and generally exhibit safe driving behaviors, most insurers companies offer&nbsp;auto insurance&nbsp;discounts to drivers over 55. Some discounts are associated with age; others discounts are earned upon completion of approved accident prevention courses for senior drivers.</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\">If you\'re over 55, check with your insurance professional for suggestions about other courses in your state that might qualify you for older driver discounts.</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\"><a></a>When seniors should stop driving</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\">Unfortunately, per miles driven, there\'s a higher mortality rate of senior drivers in car crashes. This is primarily due to the fact that it is harder for senior drivers to survive a serious collision, so knowing the right moment to stop driving is important.</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 many cases, senior drivers decide to stop driving when they recognize that their confidence has waned. Others may not realize that declining health, impaired senses or medication have adversely affected their driving skills and may comprise their safety or the safety of others.</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\">For many seniors, it can be psychologically traumatic to give up the self-sufficiency of being able to get oneself from place to place. When an aging relative’s driving may put him or her or others at risk, family members often have to intervene.</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\">Convincing a senior that he or she needs to give up the independence of driving needs to be done in a supportive, positive way that deals with the emotional aspect and offers practical transportation alternatives.</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\">One resource that provides guidance for this difficult conversation is a downloadable PDF entitled \"We Need to Talk,\" developed by The Hartford Insurance Company and the MIT AgeLab. From reading the signals that it\'s time for a senior to stop driving to tips on having the frank discussion to suggestions of viable transportation alternatives, the booklet is designed to address both the facts and the strong feelings that may arise when it’s time to put the keys away.</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.iii.org/article/senior-driving-safety-and-insurance-tips\">click here.</a></p>\n<!-- /wp:paragraph -->','Senior Driving Safety and Insurance Tips','','inherit','closed','closed','','3164-revision-v1','','','2023-04-30 06:17:59','2023-04-30 06:17:59','',3164,'http://smartinsurance.tips/?p=3167',0,'revision','',0),(3168,1,'2023-04-30 06:21:58','2023-04-30 06:21:58','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3169,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-6.png\" alt=\"\" class=\"wp-image-3169\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mopeds and scooters can make commuting a breeze. With small engines and compact frames, you can zip around town around town without guzzling gas or struggling to find a good parking space.</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\">But for all the convenience of a moped or scooter, it could come with an extra cost: You may need to buy insurance.</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\">What Is a Moped or Scooter?</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\">Mopeds and scooters are small, two-wheeled vehicles that are powered by gasoline engines.</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><strong>Mopeds</strong>&nbsp;typically have an engine that is under 50 cubic centimeters (50cc) and are not intended for highway travel. Top speed usually does not exceed 30 mph.</li><li><strong>Scooters</strong>&nbsp;often have larger engines that exceed 50cc (sometimes up to 250cc) and the most powerful ones can reach speeds up to 75 mph. But even then you may not be able to ride your scooter on a highway, depending on your state’s engine size and horsepower minimums.</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\">Mopeds and scooters should not be confused with the e-scooters commonly seen on the streets and sidewalks of many U.S. cities. E-scooters are typically battery-powered, don’t require a driver’s license and often can’t surpass 15 to 20 pmh. Since e-scooters typically require users to stand, they may be excluded from moped, scooter and motorcycle insurance.</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\">Do I Need Moped or Scooter 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\">Most states require you to have liability auto insurance in order to ride your moped or scooter on public roads if it has an engine size of 50cc or larger or can reach a top speed of 30 mph or more. If your moped is under 50cc or cannot reach 30 mph, you will most likely not be required to get insurance.</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\">A car insurance policy isn’t right for a moped or scooter. Some insurers cover mopeds and scooters under their motorcycle insurance policies. Other insurers offer separate policies for mopeds or scooters. If you lease or finance a moped or scooter, the lender or leasing company will likely require that you insure it.</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\">What Does Moped and Scooter Insurance Cover?</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\">Generally, moped and scooter insurance has coverage types similar to motorcycle and car insurance, including:</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><strong>Bodily injury and property damage liability.</strong>&nbsp;This covers property damage and injuries you do to others.</li><li><strong>Collision and comprehensive insurance.</strong>&nbsp;These are two separate coverage types that are often sold together. Collision coverage pays for repairs if you damage your moped or scooter in an accident. Comprehensive insurance covers problems like theft, vandalism, flood, fire and collisions with animals. If you have a lease or loan, your leasing company or lender will likely require you to carry these coverage types.</li><li><strong>Carried contents and belongings.</strong>&nbsp;This covers your belongings that are damaged, stolen or lost while you’re riding the moped or scooter.</li><li><strong>Medical payments.</strong>&nbsp;If you get into an accident, this covers medical bills and funeral costs for you and your passengers, no matter who was at fault.</li><li><strong>Uninsured or underinsured motorists.</strong>&nbsp;This pays for your medical bills, lost income and other expenses if someone crashes into you and they do not carry liability insurance or have inadequate coverage.</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\">Moped and Scooter Insurance Discounts</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\">When you insure a moped or scooter you may be able to score a discount such as:</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><strong>Multi-policy discount.</strong> Bundling insurance is when you buy two or more policies from one insurance company and get a discount. You may be able to bundle moped or scooter coverage with another insurance type, such as auto, home, RV or boat insurance.</li><li><strong>Multi-vehicle discount.</strong> When you insure more than one vehicle, such as a car, motorcycle, moped, ATV or snowmobile, you may get a discount. You might also qualify for a multi-vehicle discount if you insure at least two mopeds or scooters.</li><li><strong>Safety discount.</strong> If you take an approved moped or scooter safety course, you may be able to pick up a discount.</li><li><strong>Storage discount.</strong> Some companies give discounts if you keep the moped or scooter in a garage.</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\">How Much Is Moped and Scooter 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\">Moped and scooter insurance is relatively cheap compared to car insurance. For example, scooter insurance through Progressive is as low as $79 a year for basic liability insurance. Your cost for moped and scooter insurance depends on factors such as:</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>Model of scooter or moped and engine size</li><li>Where you live</li><li>Your age and driving record</li><li>Mileage</li><li>Years of riding experience</li><li>Coverage you choose</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/moped-and-scooter-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->','What To Know About Moped And Scooter Insurance','','publish','closed','closed','','what-to-know-about-moped-and-scooter-insurance','','','2023-04-30 06:21:58','2023-04-30 06:21:58','',0,'http://smartinsurance.tips/?p=3168',0,'post','',0),(3169,1,'2023-04-30 06:19:18','2023-04-30 06:19:18','','Insurance-6','','inherit','closed','closed','','insurance-6-12','','','2023-04-30 06:19:18','2023-04-30 06:19:18','',3168,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-6.png',0,'attachment','image/png',0),(3170,1,'2023-04-30 06:21:58','2023-04-30 06:21:58','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3169,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-6.png\" alt=\"\" class=\"wp-image-3169\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mopeds and scooters can make commuting a breeze. With small engines and compact frames, you can zip around town around town without guzzling gas or struggling to find a good parking space.</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\">But for all the convenience of a moped or scooter, it could come with an extra cost: You may need to buy insurance.</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\">What Is a Moped or Scooter?</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\">Mopeds and scooters are small, two-wheeled vehicles that are powered by gasoline engines.</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><strong>Mopeds</strong>&nbsp;typically have an engine that is under 50 cubic centimeters (50cc) and are not intended for highway travel. Top speed usually does not exceed 30 mph.</li><li><strong>Scooters</strong>&nbsp;often have larger engines that exceed 50cc (sometimes up to 250cc) and the most powerful ones can reach speeds up to 75 mph. But even then you may not be able to ride your scooter on a highway, depending on your state’s engine size and horsepower minimums.</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\">Mopeds and scooters should not be confused with the e-scooters commonly seen on the streets and sidewalks of many U.S. cities. E-scooters are typically battery-powered, don’t require a driver’s license and often can’t surpass 15 to 20 pmh. Since e-scooters typically require users to stand, they may be excluded from moped, scooter and motorcycle insurance.</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\">Do I Need Moped or Scooter 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\">Most states require you to have liability auto insurance in order to ride your moped or scooter on public roads if it has an engine size of 50cc or larger or can reach a top speed of 30 mph or more. If your moped is under 50cc or cannot reach 30 mph, you will most likely not be required to get insurance.</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\">A car insurance policy isn’t right for a moped or scooter. Some insurers cover mopeds and scooters under their motorcycle insurance policies. Other insurers offer separate policies for mopeds or scooters. If you lease or finance a moped or scooter, the lender or leasing company will likely require that you insure it.</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\">What Does Moped and Scooter Insurance Cover?</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\">Generally, moped and scooter insurance has coverage types similar to motorcycle and car insurance, including:</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><strong>Bodily injury and property damage liability.</strong>&nbsp;This covers property damage and injuries you do to others.</li><li><strong>Collision and comprehensive insurance.</strong>&nbsp;These are two separate coverage types that are often sold together. Collision coverage pays for repairs if you damage your moped or scooter in an accident. Comprehensive insurance covers problems like theft, vandalism, flood, fire and collisions with animals. If you have a lease or loan, your leasing company or lender will likely require you to carry these coverage types.</li><li><strong>Carried contents and belongings.</strong>&nbsp;This covers your belongings that are damaged, stolen or lost while you’re riding the moped or scooter.</li><li><strong>Medical payments.</strong>&nbsp;If you get into an accident, this covers medical bills and funeral costs for you and your passengers, no matter who was at fault.</li><li><strong>Uninsured or underinsured motorists.</strong>&nbsp;This pays for your medical bills, lost income and other expenses if someone crashes into you and they do not carry liability insurance or have inadequate coverage.</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\">Moped and Scooter Insurance Discounts</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\">When you insure a moped or scooter you may be able to score a discount such as:</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><strong>Multi-policy discount.</strong> Bundling insurance is when you buy two or more policies from one insurance company and get a discount. You may be able to bundle moped or scooter coverage with another insurance type, such as auto, home, RV or boat insurance.</li><li><strong>Multi-vehicle discount.</strong> When you insure more than one vehicle, such as a car, motorcycle, moped, ATV or snowmobile, you may get a discount. You might also qualify for a multi-vehicle discount if you insure at least two mopeds or scooters.</li><li><strong>Safety discount.</strong> If you take an approved moped or scooter safety course, you may be able to pick up a discount.</li><li><strong>Storage discount.</strong> Some companies give discounts if you keep the moped or scooter in a garage.</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\">How Much Is Moped and Scooter 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\">Moped and scooter insurance is relatively cheap compared to car insurance. For example, scooter insurance through Progressive is as low as $79 a year for basic liability insurance. Your cost for moped and scooter insurance depends on factors such as:</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>Model of scooter or moped and engine size</li><li>Where you live</li><li>Your age and driving record</li><li>Mileage</li><li>Years of riding experience</li><li>Coverage you choose</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/moped-and-scooter-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->','What To Know About Moped And Scooter Insurance','','inherit','closed','closed','','3168-revision-v1','','','2023-04-30 06:21:58','2023-04-30 06:21:58','',3168,'http://smartinsurance.tips/?p=3170',0,'revision','',0),(3171,1,'2023-04-30 06:30:21','2023-04-30 06:30:21','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3172,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png\" alt=\"\" class=\"wp-image-3172\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re shopping for pet insurance, it’s important to understand the limitations of the policy—such as treatment for pre-existing conditions, which can add up.</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\">Just like car insurance, which doesn’t cover accidents before coverage begins, pet insurance typically won’t cover any expenses related to ailments or injuries that are already present. Knowing what counts as a “pre-existing condition” is crucial.</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\">Does Pet Insurance Cover Pre-Existing Conditions?</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\">Due to the cost of treating pre-existing conditions, and the relatively short lifetime of a pet (dogs live on average 10 to 13 years depending on the breed), pet insurance generally excludes pre-existing conditions from coverage. It’s a numbers problem: Pet insurers don’t have the luxury of charging many years of premiums in order to offset claims payments for pre-existing conditions.</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\">Pet insurance companies&nbsp;usually consider a pre-existing condition to be an illness or injury that started prior to coverage beginning, including any waiting period.</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\">“It’s important to point out that even if the pet wasn’t diagnosed with an injury or illness, an insurer may still deny coverage if they were showing any signs or symptoms of one prior to coverage starting,” says Alex Stone, founder Petinsurer.com, a pet insurance comparison provider.</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\">For example, if your dog was limping before your waiting period and coverage started, treatment for the leg wouldn’t be covered by the plan.</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\">What Are Pet Pre-Existing Conditions?</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\">Some pet insurance companies put pre-existing conditions into two buckets: curable and incurable conditions.</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\">Curable pre-existing conditions</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\">Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. ASPCA’s pet insurance plan will not consider a condition “pre-existing” if it’s curable and there are no symptoms for 180 days (excluding knee and ligament conditions). If the condition recurs after 180 days, it can be covered like a new problem.</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\">Some examples of curable conditions include:</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>Bladder infections</li><li>Diarrhea</li><li>Ear infections</li><li>Respiratory infections</li><li>Urinary tract infections</li><li>Vomiting</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\">Incurable pre-existing conditions</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\">On the other hand, there are pre-existing conditions that pet insurance companies consider incurable, such as:</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>Allergies</li><li>Arthritis</li><li>Bladder crystals</li><li>Cancer</li><li>Diabetes</li><li>Epilepsy</li><li>Heart disease</li><li>Hip dysplasia</li><li>Kidney disease</li><li>Orthopedic conditions</li><li>Urinary blockages</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\"} -->\n<p class=\"has-black-color has-text-color\">Many of these conditions require repeat veterinarian visits, ongoing medication and sometimes even surgery. Incurable pre-existing conditions won’t be covered by pet insurance.</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\">Pay Close Attention to Bilateral Exclusions</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\">A bilateral illness or injury is a condition that impacts the left and right sides of the body, such as hip dysplasia or a cruciate ligament tear.</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\">Since there is a greater chance of a pet experiencing the same condition on the opposite side of their body, many insurance companies have bilateral exclusions in their policies. In other words, if your pet had treatment on one side of its body before the policy started, then the other side won’t be covered later.</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\">If your pet experiences a bilateral condition after coverage starts, it’ll be covered just fine.</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\">How to Determine What Pet Conditions are Insurable</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\">As a pet owner, you may struggle to identify what qualifies as a pre-existing condition and what your pet insurance plan will cover. </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\">Medical history reviews are designed to pinpoint any conditions that your policy won’t cover. You’ll know exactly what expenses you’ll be responsible for.</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\">The medical review will take place after you apply for a policy. Once the review is complete, the insurers will often give you the option to cancel if you feel the coverage isn’t sufficient for your pet’s needs.</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\">Finding the Right Insurance for a Pet with Pre-Existing Issues</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\">Even if your pet has a pre-existing condition, you can still obtain pet insurance and it will cover conditions not related to the pre-existing condition. Here are things to keep in mind.</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>Be a proactive pet owner.</strong>&nbsp;“You’ll want to take care of the injury or illness as soon as possible, so the matter doesn’t worsen, resulting in astronomical vet bills. Taking the proper precautions can help prevent other accidents or illnesses from appearing due to the condition,” says Stone.</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>Keep up to date with your pet’s vaccinations.</strong>&nbsp;The last thing you want is your pet to get sick because you didn’t keep them up-to-date with their shots. Many insurers will deny a claim if your pet becomes ill because they weren’t vaccinated according to your veterinarian’s guidance.</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>Compare pet insurance policies</strong>&nbsp;Even though pet insurance won’t cover incurable pre-existing conditions, you can find suitable coverage to handle other medical expenses. Compare the obvious things like monthly price and deductible, but also look at other factors such as waiting periods and whether coverage is reduced when your pet gets older.</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\">“When you select an insurance provider for your pet, you’re really trusting the provider to be your pet’s partner for life. This is really important when it comes to making a claim because if you switch to another pet insurance provider during your pet’s lifetime, then any claims with your previous insurer will be treated as pre-existing by the new provider, and therefore wouldn’t be covered,” Stone says.</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\">Which Pet Insurance Companies Cover Pre-Existing Conditions?</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\">Generally, pet insurance companies do not cover incurable pre-existing conditions such as cancer, diabetes and hip dysplasia. But some pet insurance companies will cover what are considered “curable” pre-existing conditions, such as bladder infections, diarrhea and ear infections.</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.forbes.com/advisor/pet-insurance/pet-pre-existing-conditions/\">click here.</a></p>\n<!-- /wp:paragraph -->','Pet Insurance That Covers Pre-Existing Conditions','','publish','closed','closed','','pet-insurance-that-covers-pre-existing-conditions','','','2023-04-30 06:31:52','2023-04-30 06:31:52','',0,'http://smartinsurance.tips/?p=3171',0,'post','',0),(3172,1,'2023-04-30 06:23:23','2023-04-30 06:23:23','','Insurance-7','','inherit','closed','closed','','insurance-7-12','','','2023-04-30 06:23:23','2023-04-30 06:23:23','',3171,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png',0,'attachment','image/png',0),(3173,1,'2023-04-30 06:30:21','2023-04-30 06:30:21','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3172,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png\" alt=\"\" class=\"wp-image-3172\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re shopping for pet insurance, it’s important to understand the limitations of the policy—such as treatment for pre-existing conditions, which can add up.</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\">Just like car insurance, which doesn’t cover accidents before coverage begins, pet insurance typically won’t cover any expenses related to ailments or injuries that are already present. Knowing what counts as a “pre-existing condition” is crucial.</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\">Does Pet Insurance Cover Pre-Existing Conditions?</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\">Due to the cost of treating pre-existing conditions, and the relatively short lifetime of a pet (dogs live on average 10 to 13 years depending on the breed), pet insurance generally excludes pre-existing conditions from coverage. It’s a numbers problem: Pet insurers don’t have the luxury of charging many years of premiums in order to offset claims payments for pre-existing conditions.</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\">Pet insurance companies usually consider a pre-existing condition to be an illness or injury that started prior to coverage beginning, including any waiting period.</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\">“It’s important to point out that even if the pet wasn’t diagnosed with an injury or illness, an insurer may still deny coverage if they were showing any signs or symptoms of one prior to coverage starting,” says Alex Stone, founder Petinsurer.com, a pet insurance comparison provider.</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\">For example, if your dog was limping before your waiting period and coverage started, treatment for the leg wouldn’t be covered by the plan.</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\">What Are Pet Pre-Existing Conditions?</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\">Some pet insurance companies put pre-existing conditions into two buckets: curable and incurable conditions.</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\">Curable pre-existing conditions</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\">Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. ASPCA’s pet insurance plan will not consider a condition “pre-existing” if it’s curable and there are no symptoms for 180 days (excluding knee and ligament conditions). If the condition recurs after 180 days, it can be covered like a new problem.</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\">Some examples of curable conditions include:</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>Bladder infections</li><li>Diarrhea</li><li>Ear infections</li><li>Respiratory infections</li><li>Urinary tract infections</li><li>Vomiting</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\">Incurable pre-existing conditions</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\">On the other hand, there are pre-existing conditions that pet insurance companies consider incurable, such as:</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>Allergies</li><li>Arthritis</li><li>Bladder crystals</li><li>Cancer</li><li>Diabetes</li><li>Epilepsy</li><li>Heart disease</li><li>Hip dysplasia</li><li>Kidney disease</li><li>Orthopedic conditions</li><li>Urinary blockages</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\"} -->\n<p class=\"has-black-color has-text-color\">Many of these conditions require repeat veterinarian visits, ongoing medication and sometimes even surgery. Incurable pre-existing conditions won’t be covered by pet insurance.</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\">Pay Close Attention to Bilateral Exclusions</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\">A bilateral illness or injury is a condition that impacts the left and right sides of the body, such as hip dysplasia or a cruciate ligament tear.</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\">Since there is a greater chance of a pet experiencing the same condition on the opposite side of their body, many insurance companies have bilateral exclusions in their policies. In other words, if your pet had treatment on one side of its body before the policy started, then the other side won’t be covered later.</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\">If your pet experiences a bilateral condition after coverage starts, it’ll be covered just fine.</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\">How to Determine What Pet Conditions are Insurable</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\">As a pet owner, you may struggle to identify what qualifies as a pre-existing condition and what your pet insurance plan will cover. </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\">Medical history reviews are designed to pinpoint any conditions that your policy won’t cover. You’ll know exactly what expenses you’ll be responsible for.</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\">The medical review will take place after you apply for a policy. Once the review is complete, the insurers will often give you the option to cancel if you feel the coverage isn’t sufficient for your pet’s needs.</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\">Finding the Right Insurance for a Pet with Pre-Existing Issues</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\">Even if your pet has a pre-existing condition, you can still obtain pet insurance and it will cover conditions not related to the pre-existing condition. Here are things to keep in mind.</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>Be a proactive pet owner.</strong>&nbsp;“You’ll want to take care of the injury or illness as soon as possible, so the matter doesn’t worsen, resulting in astronomical vet bills. Taking the proper precautions can help prevent other accidents or illnesses from appearing due to the condition,” says Stone.</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>Keep up to date with your pet’s vaccinations.</strong>&nbsp;The last thing you want is your pet to get sick because you didn’t keep them up-to-date with their shots. Many insurers will deny a claim if your pet becomes ill because they weren’t vaccinated according to your veterinarian’s guidance.</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>Compare pet insurance policies</strong>&nbsp;Even though pet insurance won’t cover incurable pre-existing conditions, you can find suitable coverage to handle other medical expenses. Compare the obvious things like monthly price and deductible, but also look at other factors such as waiting periods and whether coverage is reduced when your pet gets older.</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\">“When you select an insurance provider for your pet, you’re really trusting the provider to be your pet’s partner for life. This is really important when it comes to making a claim because if you switch to another pet insurance provider during your pet’s lifetime, then any claims with your previous insurer will be treated as pre-existing by the new provider, and therefore wouldn’t be covered,” Stone says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Which Pet Insurance Companies Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Generally, pet insurance companies do not cover incurable pre-existing conditions such as cancer, diabetes and hip dysplasia. But some pet insurance companies will cover what are considered “curable” pre-existing conditions, such as bladder infections, diarrhea and ear infections.</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, <a href=\"https://www.forbes.com/advisor/pet-insurance/pet-pre-existing-conditions/\">click here.</a></p>\n<!-- /wp:paragraph -->','Pet Insurance That Covers Pre-Existing Conditions','','inherit','closed','closed','','3171-revision-v1','','','2023-04-30 06:30:21','2023-04-30 06:30:21','',3171,'http://smartinsurance.tips/?p=3173',0,'revision','',0),(3174,1,'2023-04-30 06:31:43','2023-04-30 06:31:43','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3172,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png\" alt=\"\" class=\"wp-image-3172\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re shopping for pet insurance, it’s important to understand the limitations of the policy—such as treatment for pre-existing conditions, which can add up.</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\">Just like car insurance, which doesn’t cover accidents before coverage begins, pet insurance typically won’t cover any expenses related to ailments or injuries that are already present. Knowing what counts as a “pre-existing condition” is crucial.</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\">Does Pet Insurance Cover Pre-Existing Conditions?</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\">Due to the cost of treating pre-existing conditions, and the relatively short lifetime of a pet (dogs live on average 10 to 13 years depending on the breed), pet insurance generally excludes pre-existing conditions from coverage. It’s a numbers problem: Pet insurers don’t have the luxury of charging many years of premiums in order to offset claims payments for pre-existing conditions.</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\">Pet insurance companies&nbsp;usually consider a pre-existing condition to be an illness or injury that started prior to coverage beginning, including any waiting period.</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\">“It’s important to point out that even if the pet wasn’t diagnosed with an injury or illness, an insurer may still deny coverage if they were showing any signs or symptoms of one prior to coverage starting,” says Alex Stone, founder Petinsurer.com, a pet insurance comparison provider.</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\">For example, if your dog was limping before your waiting period and coverage started, treatment for the leg wouldn’t be covered by the plan.</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\">What Are Pet Pre-Existing Conditions?</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\">Some pet insurance companies put pre-existing conditions into two buckets: curable and incurable conditions.</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\">Curable pre-existing conditions</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\">Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. ASPCA’s pet insurance plan will not consider a condition “pre-existing” if it’s curable and there are no symptoms for 180 days (excluding knee and ligament conditions). If the condition recurs after 180 days, it can be covered like a new problem.</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\">Some examples of curable conditions include:</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>Bladder infections</li><li>Diarrhea</li><li>Ear infections</li><li>Respiratory infections</li><li>Urinary tract infections</li><li>Vomiting</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\">Incurable pre-existing conditions</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\">On the other hand, there are pre-existing conditions that pet insurance companies consider incurable, such as:</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>Allergies</li><li>Arthritis</li><li>Bladder crystals</li><li>Cancer</li><li>Diabetes</li><li>Epilepsy</li><li>Heart disease</li><li>Hip dysplasia</li><li>Kidney disease</li><li>Orthopedic conditions</li><li>Urinary blockages</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\"} -->\n<p class=\"has-black-color has-text-color\">Many of these conditions require repeat veterinarian visits, ongoing medication and sometimes even surgery. Incurable pre-existing conditions won’t be covered by pet insurance.</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\">Pay Close Attention to Bilateral Exclusions</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\">A bilateral illness or injury is a condition that impacts the left and right sides of the body, such as hip dysplasia or a cruciate ligament tear.</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\">Since there is a greater chance of a pet experiencing the same condition on the opposite side of their body, many insurance companies have bilateral exclusions in their policies. In other words, if your pet had treatment on one side of its body before the policy started, then the other side won’t be covered later.</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\">If your pet experiences a bilateral condition after coverage starts, it’ll be covered just fine.</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\">How to Determine What Pet Conditions are Insurable</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\">As a pet owner, you may struggle to identify what qualifies as a pre-existing condition and what your pet insurance plan will cover. </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\">Medical history reviews are designed to pinpoint any conditions that your policy won’t cover. You’ll know exactly what expenses you’ll be responsible for.</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\">The medical review will take place after you apply for a policy. Once the review is complete, the insurers will often give you the option to cancel if you feel the coverage isn’t sufficient for your pet’s needs.</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\">Finding the Right Insurance for a Pet with Pre-Existing Issues</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\">Even if your pet has a pre-existing condition, you can still obtain pet insurance and it will cover conditions not related to the pre-existing condition. Here are things to keep in mind.</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>Be a proactive pet owner.</strong>&nbsp;“You’ll want to take care of the injury or illness as soon as possible, so the matter doesn’t worsen, resulting in astronomical vet bills. Taking the proper precautions can help prevent other accidents or illnesses from appearing due to the condition,” says Stone.</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>Keep up to date with your pet’s vaccinations.</strong>&nbsp;The last thing you want is your pet to get sick because you didn’t keep them up-to-date with their shots. Many insurers will deny a claim if your pet becomes ill because they weren’t vaccinated according to your veterinarian’s guidance.</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>Compare pet insurance policies</strong>&nbsp;Even though pet insurance won’t cover incurable pre-existing conditions, you can find suitable coverage to handle other medical expenses. Compare the obvious things like monthly price and deductible, but also look at other factors such as waiting periods and whether coverage is reduced when your pet gets older.</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\">“When you select an insurance provider for your pet, you’re really trusting the provider to be your pet’s partner for life. This is really important when it comes to making a claim because if you switch to another pet insurance provider during your pet’s lifetime, then any claims with your previous insurer will be treated as pre-existing by the new provider, and therefore wouldn’t be covered,” Stone says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\"} -->\n<h2 class=\"has-black-color has-text-color\">Which Pet Insurance Companies Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Generally, pet insurance companies do not cover incurable pre-existing conditions such as cancer, diabetes and hip dysplasia. But some pet insurance companies will cover what are considered “curable” pre-existing conditions, such as bladder infections, diarrhea and ear infections.</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.forbes.com/advisor/pet-insurance/pet-pre-existing-conditions/\">click here.</a></p>\n<!-- /wp:paragraph -->','Pet Insurance That Covers Pre-Existing Conditions','','inherit','closed','closed','','3171-autosave-v1','','','2023-04-30 06:31:43','2023-04-30 06:31:43','',3171,'http://smartinsurance.tips/?p=3174',0,'revision','',0),(3175,1,'2023-04-30 06:31:52','2023-04-30 06:31:52','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3172,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png\" alt=\"\" class=\"wp-image-3172\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re shopping for pet insurance, it’s important to understand the limitations of the policy—such as treatment for pre-existing conditions, which can add up.</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\">Just like car insurance, which doesn’t cover accidents before coverage begins, pet insurance typically won’t cover any expenses related to ailments or injuries that are already present. Knowing what counts as a “pre-existing condition” is crucial.</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\">Does Pet Insurance Cover Pre-Existing Conditions?</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\">Due to the cost of treating pre-existing conditions, and the relatively short lifetime of a pet (dogs live on average 10 to 13 years depending on the breed), pet insurance generally excludes pre-existing conditions from coverage. It’s a numbers problem: Pet insurers don’t have the luxury of charging many years of premiums in order to offset claims payments for pre-existing conditions.</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\">Pet insurance companies&nbsp;usually consider a pre-existing condition to be an illness or injury that started prior to coverage beginning, including any waiting period.</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\">“It’s important to point out that even if the pet wasn’t diagnosed with an injury or illness, an insurer may still deny coverage if they were showing any signs or symptoms of one prior to coverage starting,” says Alex Stone, founder Petinsurer.com, a pet insurance comparison provider.</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\">For example, if your dog was limping before your waiting period and coverage started, treatment for the leg wouldn’t be covered by the plan.</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\">What Are Pet Pre-Existing Conditions?</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\">Some pet insurance companies put pre-existing conditions into two buckets: curable and incurable conditions.</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\">Curable pre-existing conditions</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\">Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. ASPCA’s pet insurance plan will not consider a condition “pre-existing” if it’s curable and there are no symptoms for 180 days (excluding knee and ligament conditions). If the condition recurs after 180 days, it can be covered like a new problem.</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\">Some examples of curable conditions include:</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>Bladder infections</li><li>Diarrhea</li><li>Ear infections</li><li>Respiratory infections</li><li>Urinary tract infections</li><li>Vomiting</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\">Incurable pre-existing conditions</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\">On the other hand, there are pre-existing conditions that pet insurance companies consider incurable, such as:</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>Allergies</li><li>Arthritis</li><li>Bladder crystals</li><li>Cancer</li><li>Diabetes</li><li>Epilepsy</li><li>Heart disease</li><li>Hip dysplasia</li><li>Kidney disease</li><li>Orthopedic conditions</li><li>Urinary blockages</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\"} -->\n<p class=\"has-black-color has-text-color\">Many of these conditions require repeat veterinarian visits, ongoing medication and sometimes even surgery. Incurable pre-existing conditions won’t be covered by pet insurance.</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\">Pay Close Attention to Bilateral Exclusions</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\">A bilateral illness or injury is a condition that impacts the left and right sides of the body, such as hip dysplasia or a cruciate ligament tear.</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\">Since there is a greater chance of a pet experiencing the same condition on the opposite side of their body, many insurance companies have bilateral exclusions in their policies. In other words, if your pet had treatment on one side of its body before the policy started, then the other side won’t be covered later.</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\">If your pet experiences a bilateral condition after coverage starts, it’ll be covered just fine.</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\">How to Determine What Pet Conditions are Insurable</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\">As a pet owner, you may struggle to identify what qualifies as a pre-existing condition and what your pet insurance plan will cover. </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\">Medical history reviews are designed to pinpoint any conditions that your policy won’t cover. You’ll know exactly what expenses you’ll be responsible for.</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\">The medical review will take place after you apply for a policy. Once the review is complete, the insurers will often give you the option to cancel if you feel the coverage isn’t sufficient for your pet’s needs.</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\">Finding the Right Insurance for a Pet with Pre-Existing Issues</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\">Even if your pet has a pre-existing condition, you can still obtain pet insurance and it will cover conditions not related to the pre-existing condition. Here are things to keep in mind.</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>Be a proactive pet owner.</strong>&nbsp;“You’ll want to take care of the injury or illness as soon as possible, so the matter doesn’t worsen, resulting in astronomical vet bills. Taking the proper precautions can help prevent other accidents or illnesses from appearing due to the condition,” says Stone.</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>Keep up to date with your pet’s vaccinations.</strong>&nbsp;The last thing you want is your pet to get sick because you didn’t keep them up-to-date with their shots. Many insurers will deny a claim if your pet becomes ill because they weren’t vaccinated according to your veterinarian’s guidance.</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>Compare pet insurance policies</strong>&nbsp;Even though pet insurance won’t cover incurable pre-existing conditions, you can find suitable coverage to handle other medical expenses. Compare the obvious things like monthly price and deductible, but also look at other factors such as waiting periods and whether coverage is reduced when your pet gets older.</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\">“When you select an insurance provider for your pet, you’re really trusting the provider to be your pet’s partner for life. This is really important when it comes to making a claim because if you switch to another pet insurance provider during your pet’s lifetime, then any claims with your previous insurer will be treated as pre-existing by the new provider, and therefore wouldn’t be covered,” Stone says.</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\">Which Pet Insurance Companies Cover Pre-Existing Conditions?</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\">Generally, pet insurance companies do not cover incurable pre-existing conditions such as cancer, diabetes and hip dysplasia. But some pet insurance companies will cover what are considered “curable” pre-existing conditions, such as bladder infections, diarrhea and ear infections.</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.forbes.com/advisor/pet-insurance/pet-pre-existing-conditions/\">click here.</a></p>\n<!-- /wp:paragraph -->','Pet Insurance That Covers Pre-Existing Conditions','','inherit','closed','closed','','3171-revision-v1','','','2023-04-30 06:31:52','2023-04-30 06:31:52','',3171,'http://smartinsurance.tips/?p=3175',0,'revision','',0),(3176,1,'2023-04-30 06:35:01','2023-04-30 06:35:01','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3177,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-8.png\" alt=\"\" class=\"wp-image-3177\"/></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 an Insurance Grace Period?</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_1-0-1\">An insurance grace period is a defined amount of time after the premium is due in which a policyholder can make a premium payment without coverage lapsing. The insurance grace period can vary depending on the insurer and policy type.</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_1-0-3\">Depending on the insurance policy, the grace period can be as little as 24 hours or as long as 30 days. The amount of time granted in an&nbsp;insurance grace period is indicated in the insurance policy contract. Paying after the due date may attract a financial penalty from the insurance company.</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_1-0-5\">How an Insurance Grace Period 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_1-0-6\">Insurance grace periods protect policyholders from immediately losing coverage in case they are late with a premium payment. Regulations covering insurance grace periods, including how long they must last across policy types, are managed by states.</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: Some states may allow insurers to drop policyholders immediately, without advanced notice if premiums are not paid on time.</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_1-0-10\">Insurance companies want the insurance grace period to be as short as possible in order to prevent a situation&nbsp;in which they haven\'t&nbsp;received a premium payment but still have to cover damages. As long as the insurance grace period is in effect, the insurer will be responsible for paying providers for any services they render to the policyholder.</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_1-0-12\">If an insurance policy is canceled due to non-payment, there are no loopholes to force&nbsp;a canceled policy to payout and&nbsp;you\'ll likely&nbsp;have to go through&nbsp;the entire application process again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0-1\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Insurance grace periods are intended to shelter policyholders from losing all coverage if they are late with a payment.</li><li>Many financial institutions offer grace periods on their loan products, from student loans to credit cards.</li><li>Insurance grace periods are usually not lengthy affairs, as insurance companies don\'t want to risk having to pay out for damages without having received payment.</li><li>After an insurance grace period, a policy may be canceled due to non-payment, which will be detrimental to the policyholder.</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\" id=\"mntl-sc-block_1-0-16\">If you choose to reinstate coverage, insurers usually need to make sure there were no losses in the interim by inspecting the property. The insurer may also require a larger down payment on the premium or require that it be paid in full. A non-payment history can complicate shopping for new insurance. Insurance applications often ask if you\'ve ever had a policy canceled, and if you answer yes, you\'ll be probably be flagged as a high-risk customer and be subject to higher premiums.</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_1-0-18\">Example of an Insurance Grace Period</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_1-0-19\">Consider a homeowner that has a flood insurance policy on their home in a flood-prone area. The policy premium due date is set to April 1, and the homeowner must pay the premium in order to have coverage for an additional year. The homeowner writes a check on March 28 but forgets to put it in the mail, only realizing the mistake on April 3. On April 4, a flood causes significant damage to the basement.</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_1-0-21\">If the policy did not have an insurance grace period, the insurer would consider the coverage lapsed on April 2 and not cover any of the flood damage. If the policy does have a grace period that extended to April 3, the policy would cover the flood damage.</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, <a href=\"https://www.investopedia.com/terms/i/insurance-grace-period.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Insurance Grace Period: Definition, How It Works, Example','','publish','closed','closed','','insurance-grace-period-definition-how-it-works-example','','','2023-04-30 06:35:01','2023-04-30 06:35:01','',0,'http://smartinsurance.tips/?p=3176',0,'post','',0),(3177,1,'2023-04-30 06:32:53','2023-04-30 06:32:53','','Insurance-8','','inherit','closed','closed','','insurance-8-11','','','2023-04-30 06:32:53','2023-04-30 06:32:53','',3176,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-8.png',0,'attachment','image/png',0),(3178,1,'2023-04-30 06:35:01','2023-04-30 06:35:01','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3177,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-8.png\" alt=\"\" class=\"wp-image-3177\"/></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 an Insurance Grace Period?</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_1-0-1\">An insurance grace period is a defined amount of time after the premium is due in which a policyholder can make a premium payment without coverage lapsing. The insurance grace period can vary depending on the insurer and policy type.</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_1-0-3\">Depending on the insurance policy, the grace period can be as little as 24 hours or as long as 30 days. The amount of time granted in an&nbsp;insurance grace period is indicated in the insurance policy contract. Paying after the due date may attract a financial penalty from the insurance company.</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_1-0-5\">How an Insurance Grace Period 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_1-0-6\">Insurance grace periods protect policyholders from immediately losing coverage in case they are late with a premium payment. Regulations covering insurance grace periods, including how long they must last across policy types, are managed by states.</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: Some states may allow insurers to drop policyholders immediately, without advanced notice if premiums are not paid on time.</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_1-0-10\">Insurance companies want the insurance grace period to be as short as possible in order to prevent a situation&nbsp;in which they haven\'t&nbsp;received a premium payment but still have to cover damages. As long as the insurance grace period is in effect, the insurer will be responsible for paying providers for any services they render to the policyholder.</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_1-0-12\">If an insurance policy is canceled due to non-payment, there are no loopholes to force&nbsp;a canceled policy to payout and&nbsp;you\'ll likely&nbsp;have to go through&nbsp;the entire application process again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0-1\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Insurance grace periods are intended to shelter policyholders from losing all coverage if they are late with a payment.</li><li>Many financial institutions offer grace periods on their loan products, from student loans to credit cards.</li><li>Insurance grace periods are usually not lengthy affairs, as insurance companies don\'t want to risk having to pay out for damages without having received payment.</li><li>After an insurance grace period, a policy may be canceled due to non-payment, which will be detrimental to the policyholder.</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\" id=\"mntl-sc-block_1-0-16\">If you choose to reinstate coverage, insurers usually need to make sure there were no losses in the interim by inspecting the property. The insurer may also require a larger down payment on the premium or require that it be paid in full. A non-payment history can complicate shopping for new insurance. Insurance applications often ask if you\'ve ever had a policy canceled, and if you answer yes, you\'ll be probably be flagged as a high-risk customer and be subject to higher premiums.</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_1-0-18\">Example of an Insurance Grace Period</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_1-0-19\">Consider a homeowner that has a flood insurance policy on their home in a flood-prone area. The policy premium due date is set to April 1, and the homeowner must pay the premium in order to have coverage for an additional year. The homeowner writes a check on March 28 but forgets to put it in the mail, only realizing the mistake on April 3. On April 4, a flood causes significant damage to the basement.</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_1-0-21\">If the policy did not have an insurance grace period, the insurer would consider the coverage lapsed on April 2 and not cover any of the flood damage. If the policy does have a grace period that extended to April 3, the policy would cover the flood damage.</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, <a href=\"https://www.investopedia.com/terms/i/insurance-grace-period.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Insurance Grace Period: Definition, How It Works, Example','','inherit','closed','closed','','3176-revision-v1','','','2023-04-30 06:35:01','2023-04-30 06:35:01','',3176,'http://smartinsurance.tips/?p=3178',0,'revision','',0),(3179,1,'2023-04-30 06:42:14','2023-04-30 06:42:14','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3180,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-9.png\" alt=\"\" class=\"wp-image-3180\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most people know they need homeowners insurance to protect their investment, but figuring out how to protect a home under renovation is a little more challenging. A basic homeowners policy isn\'t always enough, and that\'s where home renovation insurance comes in. Here\'s a closer look at how it works and when it makes sense to buy.</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=\"does-homeowners-insurance-cover-home-renovations\">Does homeowners insurance cover home renovations?</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\">A typical homeowners insurance policy usually covers home renovations, but this may not extend to an addition. It\'s always a good idea for the homeowner to reach out to their insurance company to verify this before the project gets underway.</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 some scenarios, particularly if the renovation will increase the house\'s value, the existing insurance policy may no longer be enough to cover the full replacement cost of the home. That\'s why some homeowners choose to purchase additional home insurance after the remodel. Purchasing home renovation insurance is another option for protecting the home during renovation.</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=\"how-do-renovations-affect-homeowners-insurance\">How do renovations affect homeowners 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\">Here\'s a look at how several common home renovations can affect insurance rates:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-space\">Adding space</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\">Adding onto a home\'s square footage tends to increase the value of the home, and by extension, the cost of replacing it if there\'s a total loss. That means it\'s usually necessary to purchase additional home insurance coverage to remain fully protected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"upgrading-fixtures\">Upgrading fixtures</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\">Adding granite countertops or new appliances can also increase the value of the home. Homeowners wishing to replace these items with fixtures or appliances of a similar quality following a loss will need to purchase more home insurance after the remodel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-a-pool\">Adding a pool</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\">Adding a pool can impact home insurance rates because there\'s an associated liability risk. People can get injured or die in a pool, so homeowners adding one of these should consider increasing their home insurance\'s liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-a-home-office\">Adding a home office</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\">Home businesses may not be covered by a basic home insurance policy or there may be limits on how much the insurer will pay to replace damaged or stolen business items. Homeowners looking to add a space for their home business should consider adding an endorsement for this to ensure they\'re fully covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"replacing-a-roof\">Replacing a roof</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\">Some home insurers offer discounts to homeowners who have a new roof. This could reduce their home insurance rates for a short time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"installing-storm-shutters\">Installing storm shutters</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\">Homeowners residing in areas prone to hurricanes or other natural disasters may be able to save on their home insurance by installing storm shutters or using building materials designed to mitigate loss.</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=\"what-is-home-renovation-insurance\">What is home renovation 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\">Home renovation insurance, also known as dwelling under construction insurance, is a special type of insurance that protects the home and the materials for the new project. It\'s usually an endorsement that a homeowner can add to an existing home 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=\"what-does-home-renovation-insurance-cover\">What does home renovation insurance cover?</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\">Home renovation insurance typically covers the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"building-materials\">Building materials</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\">This type of coverage protects the building materials necessary for the project. If they are damaged in a covered claim, like a fire or tornado, the insurer would pay to replace them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"foundation-repair\">Foundation repair</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\">Foundation repair coverage is usually a component of home renovation insurance. This protects the homeowner against foundation collapse or similar issues during the renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"liability\">Liability</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\">Insurance for a house being renovated may include additional liability protection in case someone were to be injured on the property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"extra-costs-due-to-delays\">Extra costs due to delays</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\">If a home renovation project is delayed due to factors outside the homeowner\'s control, home renovation insurance may pay some of the costs that arise, like interest on a construction loan or permit fees.</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=\"how-much-does-home-renovation-insurance-cost\">How much does home renovation insurance cost?</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\">The cost of insurance for a home under construction varies widely depending on the location of the home, the scope of the renovation, the materials used, and how long the project lasts. Small projects may cost less than $50 per month while larger projects could cost a few hundred dollars per month.</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\">The only way for a homeowner to get an accurate idea of the cost is to shop around. Compare quotes from a few different companies to see which offers the most affordable rate.</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=\"other-insurance-coverage-you-might-need\">Other insurance coverage you might need</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\">In addition to home renovation insurance, homeowners may want to consider the following coverage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"higher-home-insurance-coverage-limits\">Higher home insurance coverage limits</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\">Homeowners may want to consider increasing their home insurance coverage limits to reflect the increased value of their home. Those who aren\'t familiar with how much coverage they need should check out this guide to the basics of homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"vacant-home-insurance\">Vacant home 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\">If the homeowner isn\'t living in the home while the renovation is underway, they may want to add vacant home coverage to their policy. Skipping this coverage could result in a denied claim if there\'s an accident at the home while the homeowner is away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"contractor-insurance\">Contractor 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\">If a contractor is doing the renovation work, they should have their own insurance. Homeowners should ask for a copy of this before the work begins. If the contractor plans to hire subcontractors, make sure they\'re adequately insured as well.</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, <a href=\"https://www.fool.com/the-ascent/insurance/homeowners/home-renovation-insurance/#:~:text=What%20insurance%20do%20I%20need,to%20add%20vacant%20home%20coverage.\">click here.</a></p>\n<!-- /wp:paragraph -->','Home Renovation Insurance: How to Insure Your Home While Remodeling','','publish','closed','closed','','home-renovation-insurance-how-to-insure-your-home-while-remodeling','','','2023-04-30 06:42:14','2023-04-30 06:42:14','',0,'http://smartinsurance.tips/?p=3179',0,'post','',0),(3180,1,'2023-04-30 06:36:04','2023-04-30 06:36:04','','Insurance-9','','inherit','closed','closed','','insurance-9-10','','','2023-04-30 06:36:04','2023-04-30 06:36:04','',3179,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-9.png',0,'attachment','image/png',0),(3181,1,'2023-04-30 06:42:14','2023-04-30 06:42:14','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3180,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-9.png\" alt=\"\" class=\"wp-image-3180\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most people know they need homeowners insurance to protect their investment, but figuring out how to protect a home under renovation is a little more challenging. A basic homeowners policy isn\'t always enough, and that\'s where home renovation insurance comes in. Here\'s a closer look at how it works and when it makes sense to buy.</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=\"does-homeowners-insurance-cover-home-renovations\">Does homeowners insurance cover home renovations?</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\">A typical homeowners insurance policy usually covers home renovations, but this may not extend to an addition. It\'s always a good idea for the homeowner to reach out to their insurance company to verify this before the project gets underway.</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 some scenarios, particularly if the renovation will increase the house\'s value, the existing insurance policy may no longer be enough to cover the full replacement cost of the home. That\'s why some homeowners choose to purchase additional home insurance after the remodel. Purchasing home renovation insurance is another option for protecting the home during renovation.</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=\"how-do-renovations-affect-homeowners-insurance\">How do renovations affect homeowners 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\">Here\'s a look at how several common home renovations can affect insurance rates:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-space\">Adding space</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\">Adding onto a home\'s square footage tends to increase the value of the home, and by extension, the cost of replacing it if there\'s a total loss. That means it\'s usually necessary to purchase additional home insurance coverage to remain fully protected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"upgrading-fixtures\">Upgrading fixtures</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\">Adding granite countertops or new appliances can also increase the value of the home. Homeowners wishing to replace these items with fixtures or appliances of a similar quality following a loss will need to purchase more home insurance after the remodel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-a-pool\">Adding a pool</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\">Adding a pool can impact home insurance rates because there\'s an associated liability risk. People can get injured or die in a pool, so homeowners adding one of these should consider increasing their home insurance\'s liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-a-home-office\">Adding a home office</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\">Home businesses may not be covered by a basic home insurance policy or there may be limits on how much the insurer will pay to replace damaged or stolen business items. Homeowners looking to add a space for their home business should consider adding an endorsement for this to ensure they\'re fully covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"replacing-a-roof\">Replacing a roof</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\">Some home insurers offer discounts to homeowners who have a new roof. This could reduce their home insurance rates for a short time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"installing-storm-shutters\">Installing storm shutters</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\">Homeowners residing in areas prone to hurricanes or other natural disasters may be able to save on their home insurance by installing storm shutters or using building materials designed to mitigate loss.</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=\"what-is-home-renovation-insurance\">What is home renovation 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\">Home renovation insurance, also known as dwelling under construction insurance, is a special type of insurance that protects the home and the materials for the new project. It\'s usually an endorsement that a homeowner can add to an existing home 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=\"what-does-home-renovation-insurance-cover\">What does home renovation insurance cover?</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\">Home renovation insurance typically covers the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"building-materials\">Building materials</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\">This type of coverage protects the building materials necessary for the project. If they are damaged in a covered claim, like a fire or tornado, the insurer would pay to replace them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"foundation-repair\">Foundation repair</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\">Foundation repair coverage is usually a component of home renovation insurance. This protects the homeowner against foundation collapse or similar issues during the renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"liability\">Liability</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\">Insurance for a house being renovated may include additional liability protection in case someone were to be injured on the property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"extra-costs-due-to-delays\">Extra costs due to delays</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\">If a home renovation project is delayed due to factors outside the homeowner\'s control, home renovation insurance may pay some of the costs that arise, like interest on a construction loan or permit fees.</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=\"how-much-does-home-renovation-insurance-cost\">How much does home renovation insurance cost?</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\">The cost of insurance for a home under construction varies widely depending on the location of the home, the scope of the renovation, the materials used, and how long the project lasts. Small projects may cost less than $50 per month while larger projects could cost a few hundred dollars per month.</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\">The only way for a homeowner to get an accurate idea of the cost is to shop around. Compare quotes from a few different companies to see which offers the most affordable rate.</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=\"other-insurance-coverage-you-might-need\">Other insurance coverage you might need</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\">In addition to home renovation insurance, homeowners may want to consider the following coverage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"higher-home-insurance-coverage-limits\">Higher home insurance coverage limits</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\">Homeowners may want to consider increasing their home insurance coverage limits to reflect the increased value of their home. Those who aren\'t familiar with how much coverage they need should check out this guide to the basics of homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"vacant-home-insurance\">Vacant home 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\">If the homeowner isn\'t living in the home while the renovation is underway, they may want to add vacant home coverage to their policy. Skipping this coverage could result in a denied claim if there\'s an accident at the home while the homeowner is away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"contractor-insurance\">Contractor 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\">If a contractor is doing the renovation work, they should have their own insurance. Homeowners should ask for a copy of this before the work begins. If the contractor plans to hire subcontractors, make sure they\'re adequately insured as well.</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, <a href=\"https://www.fool.com/the-ascent/insurance/homeowners/home-renovation-insurance/#:~:text=What%20insurance%20do%20I%20need,to%20add%20vacant%20home%20coverage.\">click here.</a></p>\n<!-- /wp:paragraph -->','Home Renovation Insurance: How to Insure Your Home While Remodeling','','inherit','closed','closed','','3179-revision-v1','','','2023-04-30 06:42:14','2023-04-30 06:42:14','',3179,'http://smartinsurance.tips/?p=3181',0,'revision','',0),(3182,1,'2023-04-30 06:48:17','2023-04-30 06:48:17','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vacant homes may need special insurance coverage.</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\":3183,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-10.png\" alt=\"\" class=\"wp-image-3183\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\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\">Homeowners insurance is designed to protect your primary residence against financial losses associated with theft, fire, and other covered perils. If you own a home that sits vacant for extended periods of time, you may be wondering whether your policy will still cover the property if damages occur. It’s possible that your standard policy may not be sufficient to cover a property that isn’t being lived in. You may need to purchase a vacant home insurance policy to fill a coverage gap.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Your regular homeowners insurance policy may not extend to a home that’s vacant.&nbsp;</li><li>Vacant home insurance policies are designed to cover homes that are vacant because they’re in the process of being sold, undergoing repairs or renovations, or otherwise not being lived in on a full-time basis.&nbsp;</li><li>Vacant home insurance can be its own policy or added on to an existing homeowners insurance policy as an endorsement.&nbsp;</li><li>Coverage limits, covered events, and premiums for vacant home insurance policies can vary greatly.&nbsp;</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_1-0-4\">What Is Vacant Home 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\" id=\"mntl-sc-block_1-0-5\">To understand whether you need vacant home insurance, it helps to know what it is and when it may be necessary. Vacant home insurance can be purchased as its own policy or as an add-on endorsement to an existing homeowners insurance policy. It is designed to protect homes that are vacant for an extended period of time. This is different from traditional homeowners insurance, which covers you for as long as you own and live in the home.</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_1-0-7\">The amount of time required for a home to be considered vacant can depend on the insurance company. For instance, some insurance companies may deem a home to be vacant if no one lives in it for at least 30 days. Other insurers may extend this to 60 days or more before a home is considered vacant.</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_1-0-7\">Important: Insurance companies distinguish between unoccupied homes and vacant ones. A home is considered unoccupied, rather than vacant, if your personal belongings are still inside and you could return to live in it any time.</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_1-0-11\">What Does Vacant Home Insurance Cover?</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_1-0-12\">Vacant home insurance is designed to offer protections that are similar to a standard homeowners insurance policy. For example, your vacant home insurance policy may cover you for damage from things such as: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-14\" class=\"has-black-color has-text-color has-large-font-size\"><li>Theft</li><li>Vandalism</li><li>Fire</li><li>Explosions</li><li>Wind</li><li>Hail</li><li>Lightning</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\" id=\"mntl-sc-block_1-0-16\">Your policy should spell out a complete list of covered perils while also mentioning any exclusions from coverage. Vacant home insurance can cover the most essential types of damage that could occur when no one is living in a home, though it doesn’t cover everything. For example, you may need to purchase flood insurance separately if the home is located in a flood plain.</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_1-0-18\">Vacant home insurance policies can come with flexible terms ranging from three to 12 months, depending on the insurer. Your insurance company may have specific guidelines regarding the types of homes that can be covered. For instance, you may be able to get vacant home insurance for up to a four-unit dwelling or be limited to insuring a single-family property. Insurers take into account how the home is being used and why it’s sitting vacant, as well as its age, overall condition, and estimated replacement 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\" id=\"mntl-sc-block_1-0-20\">A vacant home represents a higher risk to insurance companies versus a home that’s being occupied full time. That’s because with no one there to keep an eye on the property, it’s more likely that damages related to vandalism or other mischief could occur. And without someone performing regular maintenance and upkeep, the risk of water and fire damage also increases. Needing vacant home insurance for an older property or one that wasn’t maintained properly before you bought it could increase your risk profile and your premiums.</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_1-0-22\">Who Needs Vacant Home 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\" id=\"mntl-sc-block_1-0-23\">Vacant home insurance is typically something you only need in specific situations in which a home you own will be empty for an extended period of time.&nbsp;Some of the situations that may require vacant home insurance include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-25\" class=\"has-black-color has-text-color has-large-font-size\"><li>Selling a home that you no longer live in because you’ve moved into a new property</li><li>Owning a rental property that sits vacant during the off-season</li><li>Performing extensive renovations or repairs on a home that make it temporarily inhabitable</li><li>Being hospitalized for an extended period of time for medical care</li><li>Owning a vacation home that you only use a few months out of the year</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\" id=\"mntl-sc-block_1-0-27\">You may also need vacant home insurance if you’re on active duty military service or traveling for an extended period of time. Remember, though, for the home to be considered vacant, it typically means that it has to be completely emptied of all personal belongings.</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\">Tip: When purchasing vacant home insurance, ask about refund policies if you have to cancel your coverage before the policy expires. Some insurers will refund premium amounts paid up front if you end your coverage early.</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_1-0-31\">How to Purchase Vacant Home 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\" id=\"mntl-sc-block_1-0-32\">Before purchasing vacant home insurance, it’s important to decide if you need a separate policy or whether you can add an endorsement to an existing homeowners insurance policy instead. An endorsement can be used to modify an existing policy to cover the home for temporary vacancies. Say you own a rental home, for instance, and your tenant has given their notice. You expect it to take a month or two to find a replacement tenant and get them moved in. You may be able to use an endorsement to alter your current policy’s coverage until the home is occupied again.</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_1-0-34\">The next step is comparing rates and coverage options for vacant home insurance policies. Every insurance company is different when it comes to things such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-36\" class=\"has-black-color has-text-color has-large-font-size\"><li>Property types</li><li>Vacancy reasons</li><li>Covered and non-covered perils</li><li>Coverage limits</li><li>Premiums and deductibles</li><li>Coverage terms</li><li>Status definition (“unoccupied” versus “vacant,” for example)</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\" id=\"mntl-sc-block_1-0-38\">In terms of what vacant home insurance can cost, this also varies based on the insurance company and the details of your policy. If you own a four-unit rental property, it will likely cost more to insure compared with a single-family vacation home. Fielding quotes from multiple insurance companies can help with finding a policy at an affordable rate.</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 some things you can do to reduce the home’s risk profile and help make a vacant home policy less expensive. Installing smoke alarms, carbon monoxide detectors, and/or a security system could qualify you for discounts offered by the insurer. Having someone keep up with outdoor landscaping and maintenance or check on the home regularly could also help reduce the risk to the insurer and bring down your premiums.</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\">When purchasing insurance to cover a vacant home, consider carefully how long you’ll need it. This can be tricky if your home is listed for sale and you’re waiting to receive a viable offer. If you’re purchasing a vacant home that you eventually plan to rent out, ask your insurance company whether the policy can be converted to a landlord policy once the property is occupied. These tips can help you avoid paying for more coverage than you need or the wrong coverage type.</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, <a href=\"https://www.investopedia.com/vacant-home-insurance-do-you-need-it-what-does-it-cover-5074120\">click here.</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\"><a rel=\"noreferrer noopener\" href=\"https://www.prnewswire.com/news-releases/vacant-homes-pose-insurance-risks-99850689.html\" target=\"_blank\"></a></p>\n<!-- /wp:paragraph -->','Vacant Home Insurance: Do You Need It? What Does It Cover?','','publish','closed','closed','','vacant-home-insurance-do-you-need-it-what-does-it-cover','','','2023-04-30 06:48:17','2023-04-30 06:48:17','',0,'http://smartinsurance.tips/?p=3182',0,'post','',0),(3183,1,'2023-04-30 06:43:36','2023-04-30 06:43:36','','Insurance-10','','inherit','closed','closed','','insurance-10-11','','','2023-04-30 06:43:36','2023-04-30 06:43:36','',3182,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-10.png',0,'attachment','image/png',0),(3184,1,'2023-04-30 06:48:17','2023-04-30 06:48:17','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vacant homes may need special insurance coverage.</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\":3183,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-10.png\" alt=\"\" class=\"wp-image-3183\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\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\">Homeowners insurance is designed to protect your primary residence against financial losses associated with theft, fire, and other covered perils. If you own a home that sits vacant for extended periods of time, you may be wondering whether your policy will still cover the property if damages occur. It’s possible that your standard policy may not be sufficient to cover a property that isn’t being lived in. You may need to purchase a vacant home insurance policy to fill a coverage gap.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Your regular homeowners insurance policy may not extend to a home that’s vacant.&nbsp;</li><li>Vacant home insurance policies are designed to cover homes that are vacant because they’re in the process of being sold, undergoing repairs or renovations, or otherwise not being lived in on a full-time basis.&nbsp;</li><li>Vacant home insurance can be its own policy or added on to an existing homeowners insurance policy as an endorsement.&nbsp;</li><li>Coverage limits, covered events, and premiums for vacant home insurance policies can vary greatly.&nbsp;</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_1-0-4\">What Is Vacant Home 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\" id=\"mntl-sc-block_1-0-5\">To understand whether you need vacant home insurance, it helps to know what it is and when it may be necessary. Vacant home insurance can be purchased as its own policy or as an add-on endorsement to an existing homeowners insurance policy. It is designed to protect homes that are vacant for an extended period of time. This is different from traditional homeowners insurance, which covers you for as long as you own and live in the home.</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_1-0-7\">The amount of time required for a home to be considered vacant can depend on the insurance company. For instance, some insurance companies may deem a home to be vacant if no one lives in it for at least 30 days. Other insurers may extend this to 60 days or more before a home is considered vacant.</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_1-0-7\">Important: Insurance companies distinguish between unoccupied homes and vacant ones. A home is considered unoccupied, rather than vacant, if your personal belongings are still inside and you could return to live in it any time.</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_1-0-11\">What Does Vacant Home Insurance Cover?</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_1-0-12\">Vacant home insurance is designed to offer protections that are similar to a standard homeowners insurance policy. For example, your vacant home insurance policy may cover you for damage from things such as: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-14\" class=\"has-black-color has-text-color has-large-font-size\"><li>Theft</li><li>Vandalism</li><li>Fire</li><li>Explosions</li><li>Wind</li><li>Hail</li><li>Lightning</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\" id=\"mntl-sc-block_1-0-16\">Your policy should spell out a complete list of covered perils while also mentioning any exclusions from coverage. Vacant home insurance can cover the most essential types of damage that could occur when no one is living in a home, though it doesn’t cover everything. For example, you may need to purchase flood insurance separately if the home is located in a flood plain.</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_1-0-18\">Vacant home insurance policies can come with flexible terms ranging from three to 12 months, depending on the insurer. Your insurance company may have specific guidelines regarding the types of homes that can be covered. For instance, you may be able to get vacant home insurance for up to a four-unit dwelling or be limited to insuring a single-family property. Insurers take into account how the home is being used and why it’s sitting vacant, as well as its age, overall condition, and estimated replacement 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\" id=\"mntl-sc-block_1-0-20\">A vacant home represents a higher risk to insurance companies versus a home that’s being occupied full time. That’s because with no one there to keep an eye on the property, it’s more likely that damages related to vandalism or other mischief could occur. And without someone performing regular maintenance and upkeep, the risk of water and fire damage also increases. Needing vacant home insurance for an older property or one that wasn’t maintained properly before you bought it could increase your risk profile and your premiums.</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_1-0-22\">Who Needs Vacant Home 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\" id=\"mntl-sc-block_1-0-23\">Vacant home insurance is typically something you only need in specific situations in which a home you own will be empty for an extended period of time.&nbsp;Some of the situations that may require vacant home insurance include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-25\" class=\"has-black-color has-text-color has-large-font-size\"><li>Selling a home that you no longer live in because you’ve moved into a new property</li><li>Owning a rental property that sits vacant during the off-season</li><li>Performing extensive renovations or repairs on a home that make it temporarily inhabitable</li><li>Being hospitalized for an extended period of time for medical care</li><li>Owning a vacation home that you only use a few months out of the year</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\" id=\"mntl-sc-block_1-0-27\">You may also need vacant home insurance if you’re on active duty military service or traveling for an extended period of time. Remember, though, for the home to be considered vacant, it typically means that it has to be completely emptied of all personal belongings.</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\">Tip: When purchasing vacant home insurance, ask about refund policies if you have to cancel your coverage before the policy expires. Some insurers will refund premium amounts paid up front if you end your coverage early.</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_1-0-31\">How to Purchase Vacant Home 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\" id=\"mntl-sc-block_1-0-32\">Before purchasing vacant home insurance, it’s important to decide if you need a separate policy or whether you can add an endorsement to an existing homeowners insurance policy instead. An endorsement can be used to modify an existing policy to cover the home for temporary vacancies. Say you own a rental home, for instance, and your tenant has given their notice. You expect it to take a month or two to find a replacement tenant and get them moved in. You may be able to use an endorsement to alter your current policy’s coverage until the home is occupied again.</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_1-0-34\">The next step is comparing rates and coverage options for vacant home insurance policies. Every insurance company is different when it comes to things such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-36\" class=\"has-black-color has-text-color has-large-font-size\"><li>Property types</li><li>Vacancy reasons</li><li>Covered and non-covered perils</li><li>Coverage limits</li><li>Premiums and deductibles</li><li>Coverage terms</li><li>Status definition (“unoccupied” versus “vacant,” for example)</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\" id=\"mntl-sc-block_1-0-38\">In terms of what vacant home insurance can cost, this also varies based on the insurance company and the details of your policy. If you own a four-unit rental property, it will likely cost more to insure compared with a single-family vacation home. Fielding quotes from multiple insurance companies can help with finding a policy at an affordable rate.</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 some things you can do to reduce the home’s risk profile and help make a vacant home policy less expensive. Installing smoke alarms, carbon monoxide detectors, and/or a security system could qualify you for discounts offered by the insurer. Having someone keep up with outdoor landscaping and maintenance or check on the home regularly could also help reduce the risk to the insurer and bring down your premiums.</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\">When purchasing insurance to cover a vacant home, consider carefully how long you’ll need it. This can be tricky if your home is listed for sale and you’re waiting to receive a viable offer. If you’re purchasing a vacant home that you eventually plan to rent out, ask your insurance company whether the policy can be converted to a landlord policy once the property is occupied. These tips can help you avoid paying for more coverage than you need or the wrong coverage type.</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, <a href=\"https://www.investopedia.com/vacant-home-insurance-do-you-need-it-what-does-it-cover-5074120\">click here.</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\"><a rel=\"noreferrer noopener\" href=\"https://www.prnewswire.com/news-releases/vacant-homes-pose-insurance-risks-99850689.html\" target=\"_blank\"></a></p>\n<!-- /wp:paragraph -->','Vacant Home Insurance: Do You Need It? What Does It Cover?','','inherit','closed','closed','','3182-revision-v1','','','2023-04-30 06:48:17','2023-04-30 06:48:17','',3182,'http://smartinsurance.tips/?p=3184',0,'revision','',0),(3188,1,'2023-05-29 16:32:42','2023-05-29 16:32:42','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Learn how to deal with relatives asking for money with these four tips.</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\":3187,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-28.png\" alt=\"\" class=\"wp-image-3187\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\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\">Saying \"no\" to someone asking for help can be difficult for many. This can be especially true when the ones asking for help are family—and the help they ask for is money. But as plenty of folks who have done so will tell you, mixing family and money can bring complications, especially when what you truly want is to say \"no.\"</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_1-0-1\">\"Some people will go into debt to give money to someone else, and that\'s a huge financial mistake,\" says personal finance advisor Lynnette Khalfani-Cox. \"You have to set firm boundaries and determine the type of help you will give and under what circumstances.\"</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_1-0-2\">Yes, this includes siblings, children, and aging parents—all people with whom it may be especially hard (but all the more important) to set those boundaries. So, how do you stop family members from asking for money? These tips and steps can help.</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_2-0\">1. Ask Yourself Key Questions</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_2-0-2\">People lose jobs. They get sick or get into accidents, have messy divorces, and hit rough patches in life. The question to ask yourself is whether the situation causing a person to request help from you is a rare crisis—or the reflection of long-term financial drama.</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_2-0-3\">Are you being asked to help with money in a horrible, unprecedented situation? Or is it to protect someone from the natural consequences of their actions—to enable their destructive behavior? In the latter case, \"if the banks won\'t lend them money, why should you?\" Khalfani-Cox asks.</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_2-0-4\">If you\'re uncomfortable turning someone down, ask yourself why you feel pressured to say \"yes\" when your boundaries feel threatened. \"You can\'t think you are someone else\'s financial savior,\" Khalfani-Cox adds. \"Or that the worst-case scenario will happen if you don\'t step in.\"</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_2-0-5\">2. Prepare These Answers</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_2-0-7\">When turning down a request for financial assistance, you don\'t need to justify your actions or provide any explanations. A simple \"no\" can suffice.</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_2-0-8\">If you\'re concerned saying \"no\" will impact your relationship negatively, say so. \"It can literally be \'I don\'t believe this is healthy for you or our relationship. I\'m not trying to hurt you, but I do need to establish financial boundaries,\'\" Khalfani-Cox says.</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_2-0-9\">Christine Manley, a licensed clinical psychologist based in Nashville, recommends writing yourself a script or role-playing with a partner or friend to help you feel more comfortable initiating the conversation. Manley stresses that setting boundaries tends not to be a one-time conversation: \"People think boundary-setting is going to be this really big, tense, awkward conversation, like an intervention.\" But in practice, \"it\'s just saying \'no\' to requests that make you uncomfortable right when the request happens,\" Manley adds.</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_2-0-10\">A parent of an adult child asking for financial support could say something like, \"I want to work toward a place where you\'re not dependent on me,\" Manley advises. You could add, \"I\'m still your parent and feel this is in your best interest to help you become a healthier person,\" Manley says. Or, you could work with your child to chart a path toward financial independence over a defined period.</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_2-0-11\">3. Remember: Temporary Guilt Beats Long-Term Resentment</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_2-0-13\">It\'s not uncommon to feel guilt when you say \"no\" to a family member\'s request for financial help. This can be especially true among women.</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_2-0-14\">\"Women have been very much socialized to experience guilt when they say \'no,\'\" Manley says. \"Just because that guilt is there does not mean you\'re doing something unkind. You\'re allowed to say \'no\' to things that make you uncomfortable.\"</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_2-0-15\">And while guilt may be a difficult momentary feeling, a slow-growing, constantly grating chronic resentment at having given beyond your means can be worse.</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_2-0-16\">4. Be OK With Upsetting Others</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_2-0-18\">People tend to struggle to say \"no\" to family members in need because they don\'t want to upset them or risk damaging the relationship. But upsetting people is a natural side effect of having boundaries.</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_2-0-19\">\"Anytime you\'re trying to set healthy boundaries, it upsets people,\" Manley says. And while people tend to worry most about the people they could offend, Khalfani-Cox says they should worry more about giving in to a request that makes them squirm.</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_2-0-20\">\"No person\'s love and acceptance and close ties to their family members should have to be dependent upon the person\'s ability or willingness to provide financial support to the other party,\" Khalfani-Cox concludes.</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, <a href=\"https://www.realsimple.com/work-life/money/set-money-boundaries-with-family\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Set Money Boundaries With Family','','inherit','closed','closed','','3186-revision-v1','','','2023-05-29 16:32:42','2023-05-29 16:32:42','',3186,'http://smartinsurance.tips/?p=3188',0,'revision','',0),(3189,1,'2023-05-29 17:09:03','2023-05-29 17:09:03','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These strategies from money experts can save you some serious cash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3190,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-29.png\" alt=\"\" class=\"wp-image-3190\"/></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\" id=\"mntl-sc-block_1-0\">When inflation skyrockets, so does the cost of everything from groceries and gas to monthly energy bills. For those trying to live on a tight budget (or who simply want to avoid spending a small fortune to get by each month), it has never been more essential to find ways to bring down your monthly cost of living.</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_1-0-2\">To help with this all-important effort, we asked money experts to share tips for reducing the cost of common monthly bills. (Think: mortgages, cable television, cell phone plans, health care, and even insurance.) Here\'s your go-to guide for keeping more money in your pocket each month.</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_1-0-4\">To Lower Your Mortgage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\"><strong>Refinance</strong></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_1-0-6\">Check the current interest rates and see if it\'s an opportune time to consider refinancing your home mortgage.<br><br>\"Review your mortgage interest rate to see if you might be able to reduce the rate by refinancing,\" says Melissa Walsh, CFA, and CFP, with Florida-based Clarity Financial Design. \"Your mortgage should be reviewed every year to see if you can save on interest expenses by paying a lower interest rate.\"<br><br>When contemplating a refinance, however, be sure to consider the total cost of the process, including such expenses as an appraisal and legal fees, and closing costs, to make sure it\'s a step that ultimately saves you money.</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_1-0-10\">For instance, it will not make sense to lay out thousands of dollars to refinance in pursuit of a lower monthly mortgage payment if you do not intend to continue living in your home for at least a few more years.<br><br>\"Consider how long you\'re planning to stay in your current home,\" Walsh adds. \"Generally, the longer you plan to stay, the more you\'ll be able to save by refinancing your mortgage.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\"><strong>Cancel Private Mortgage Insurance</strong></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_1-0-13\">Many homeowners pay $100 or more each month for private mortgage insurance (PMI) and often doing so has no benefit.<br><br>\"PMI simply protects the lender,\" says Kenny Li, CFA and director of investments for the asset management firm LNG MGMT. \"If your mortgage balance has reached 80 percent—meaning you\'ve made enough payments to gain 20 percent equity in your home—you can request that your mortgage insurance be canceled.\"<br><br>In most cases, mortgage insurance is canceled automatically once your mortgage balance hits 78 percent or you\'re halfway through your loan term, whichever comes first. But you\'ll save money by canceling it as soon as possible.</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\">To Lower Your Insurance Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\"><strong>Review Your Home Insurance Policy</strong></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_1-0-17\">If you own a home, then having a homeowners insurance policy is a must in order to protect your investment and your personal belongings. But that doesn\'t mean you can\'t call your insurance provider each year and review the various charges associated with your policy to identify opportunities to reduce any unnecessary costs.<br><br>\"Check with your homeowner\'s insurance agent to find out where you might be able to intelligently save money off your premium,\" says Stacey Giulianti, of Peninsula Insurance. \"If you have savings put away, consider increasing the deductible on your insurance policy, which will reduce your annual premium.\"<br><br>In addition, inquire about whether your insurance provider offers a less expensive coverage option for damaged personal property known as Actual Cash Value (ACV), advises Giulianti.<br><br>\"Actual Cash Value is a less expensive option than Replacement Cost,\" explains Giulianti. \"But make sure you work with your agent to understand all the ramifications of making such changes first.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\"><strong>Shop Around for a New Policy</strong></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_1-0-20\">Yet another way to save money on insurance policies is to make it a regular habit to shop around for the best, most competitive offers.<br><br>\"Shopping around for insurance can save hundreds each year,\" says Martin Boonzaayer, CEO of The Trusted Home Buyer. \"Sometimes even just suggesting that you will leave your current carrier will result in receiving \'hidden discounts\' that were never mentioned to you before.\"<br><br>It\'s also worth noting that there are numerous online insurance marketplaces and price comparison websites these days, such as Policygenius and The Zebra.<br><br>\"In today\'s digital age, it\'s very easy to find the lowest rates by plugging in your information online and generating quotes from multiple carriers at once to ensure you\'re getting the best rate,\" says Jonathan Svensson, co-founder, and partner with the financial platform Almvest.</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_1-0-22\">To Lower Your Utility Bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\"><strong>Turn Your Thermostat Down</strong></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_1-0-24\">This should be an obvious tip, but in case you\'re not already implementing this habit, turn your thermostat down and save yourself a few dollars on monthly heating bills. This is especially important given that the cost of energy has risen to its highest level in decades.<br><br>\"You can save from 1 percent to 2 percent for each degree of temperature you lower your winter thermostat setting,\" says Todd Christensen, education manager for the Idaho-based non-profit agency Debt Reduction Services. \"If you currently pay $200 a month during the winter for your heating bill, and if you keep your home at 75 degrees, you could turn it down to 70 degrees and save $10 to $20 a month.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\"><strong>Reverse Your Ceiling Fans</strong></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_1-0-27\">It\'s also possible to bring down energy costs slightly by simply changing the direction in which your ceiling fans operate come winter.<br><br>\"Reverse your ceiling fans (there is a switch to do this on most units) to push the warm air back down, rather than have the warm air get sucked up toward the ceiling,\" says Scott Alan Turner, a certified financial planner, and consumer advocate.<br><br>This simple step should help keep your home warmer, allowing you to resist the temptation to crank the thermostat.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\"><strong>Switch to Solar Energy</strong></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_1-0-30\">With climate change causing increasing devastation around the world, it has never been more important to start transitioning to renewable energy sources and weaning ourselves off damaging fossil fuels. Going solar is a great way to help save the planet while also saving yourself money each month on energy bills.<br><br>\"Yes, it\'s a bit of an upfront investment, but with the sun being a free power source, you\'re able to power a household mostly out of solar energy in the long run,\" says Jay Whitacre, chief scientist and founder of Aquion Energy. \"What\'s more, you can sell the excess energy your solar panels generate through net metering programs, which allows you to earn money instead.\"<br><br>Now is the time to educate yourself about solar energy and make the switch, as fossil fuel energy providers and special interest groups across the nation are actively working behind the s cenes to revise the current system and make solar more expensive in the future for homeowners in an effort to discourage the clean energy revolution.<br><br>This is particularly true in California, where the state\'s three investor-owned utilities—Pacific Gas and Electric (PG&amp;E), Southern California Edison (SoCal Edison), and San Diego Gas and Electric (SDG&amp;E)—proposed dramatic changes to the state\'s net metering program in 2020 that would impose steep mandatory fees on solar customers and slash net metering payments resulting from solar energy systems.<br><br>The changes being advanced by fossil fuel utilities would eliminate the economic viability of solar power for many Californians, especially those with low to moderate incomes, according to Frontier Group.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\"><strong>Shop for a Better Electricity Price</strong></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_1-0-33\">If you live in one of the more than two dozen states that allow consumers to shop around for electricity or natural gas from different providers, this is yet another option for potentially lowering your monthly costs.</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_1-0-37\">\"If you haven\'t checked how your current electric or gas rate compares, you can probably save by switching,\" says Jordan Hobfoll, CEO of Energy Simply, a comparison site for Texas residents.<br><br>Just make sure you shop on a state-sponsored comparison site and stay with transparent and straightforward plans, advises Hobfoll.<br><br>A variety of websites provide more information about electricity choice and the states where it is available. More details are available from National Renewable Energy Laboratory and also from the US Energy Information Administration.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\"><strong>Install a Smart Thermostat</strong></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_1-0-40\">Various studies have shown that making the switch to a smart thermostat can save you money. If you\'re considering purchasing one, be sure to opt for a model that has an ENERGY STAR rating. This stamp of approval, according to CNET, means the thermostat has gone through an independent certification process verifying that it will actually save you money.<br><br>WiFi-enabled smart thermostats are designed to communicate with you via an app and actively help you use less energy, thus saving you cash over the course of time.</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_1-0-42\">To Lower Your Transportation Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-43\"><strong>Use GasBuddy</strong></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_1-0-44\">If you haven\'t yet downloaded the GasBuddy app (which helps you find the cheapest gas stations around), now is the time to do so.<br><br>\"GasBuddy is one of my favorite applications that can help you find low-cost gas in your area,\" says Jeffrey Zhou, co-founder, and CEO of Fig Loans. \"Everyone knows that inflation is taking the fuel market by storm right now, and we all need to get to work. Take advantage of deals in your area to lessen the impact on your credit card.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-46\"><strong>Ask About Working Remotely</strong></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_1-0-47\">Working remotely has certainly become the norm for many companies since the COVID-19 outbreak. But if you haven\'t joined the masses yet, now may be the time to find out whether you\'re able to do so in order to save money on commuting each day.<br><br>\"In the past, the solution to saving on transportation costs was carpooling or using public transportation systems,\" says Jake Oyler of Colwyn Investments. \"Those options are still valid and available. However, with the effects of the recent pandemic, many employers have begun to offer remote work options for employees... If your employer hasn\'t offered this option to you, it would be worth asking about your options.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-49\"><strong>Drive a Hybrid or Electric Vehicle</strong></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_1-0-50\">Yet another revolution slowing gaining traction is the switch to electric or hybrid vehicles, which can save you substantially on the cost of fuel, if not eliminate the expense altogether. It\'s a move that\'s good for your bottom line and for the planet.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-52\"><strong>Consolidate Your Trips</strong></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_1-0-53\">Planning your driving trips carefully and consolidating the errands you run each day and week can also help cut back on fuel expenses.<br><br>\"Saving on gas is something we\'re all acquainted with, in theory at least,\" says Brian DeChesare, CEO of the financial career platform Breaking Into Wall Street. \"With inflation and supply chain issues, more of us are being forced to think creatively about how we use our personal vehicles. One thing that helps is to get organized. Do your best to plan any trips, especially the miscellaneous ones that tend to add up throughout the week.\"</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_1-0-55\">\"The more you can consolidate your car rides into fewer trips, the more you\'ll save on gas,\" says DeChesare. \"It takes a considerable amount of gasoline to start your car up, plus all that time stuck in traffic is quite taxing, too.\"</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_1-0-57\">To Lower Your Cable and Internet Bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-58\"><strong>Ask Your Provider for a Lower Rate</strong></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_1-0-59\">So many of us just accept the cost of our cable bills without a second thought. But now is hardly the time to simply accept what we are being sold without question.<br><br>\"Call up your service provider and ask for a better rate,\" says Turner. \"Most people will go years without shopping around for new service or price comparing. Companies want to keep their customers. Taking 10 minutes to ask for a discount, reduced rate, or one-time credit can easily get you $20 to $200 in savings.\"<br><br>It\'s also a good idea to spend some time carefully reviewing your monthly cable and internet bills to ensure no new charges have quietly been tacked on to what you\'re paying.<br><br>\"Make sure there aren\'t any sneaky charges, like a rental fee for your modem, or other fees that could be negotiated out of the bill to save you cash,\" says Zhou, of Fig Loans.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-61\"><strong>Stop Paying for Channels You Don\'t Watch</strong></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_1-0-62\">It\'s surprising that anyone buys cable television anymore from big legacy providers, companies that have a history of price gouging in places where competition is limited.<br><br>Ditch the ridiculously steep monthly cable bills from the likes of AT&amp;T and Spectrum and switch instead to on-demand entertainment from such providers as Netflix, Hulu, and more. To do this, simply invest in a low-cost Roku Express or similar device and begin streaming programs using your internet.<br><br>\"If you only watch a few networks, a handful of shows, or don\'t watch live TV, switch from cable to a streaming service or two instead,\" says Lauren Bringle, accredited financial counselor with Self Financial, a fintech company that helps users build credit and save money. \"That way you pay maybe $20 to $30 for streaming instead of $100 or more for cable each month. Just be conscious of how many streaming services you stack on top of each other, or you could pay just as much for streaming as you do for cable.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-64\"><strong>Learn Your Internet Speed</strong></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_1-0-65\">Don\'t pay for premium internet service if that\'s not what you truly need.<br><br>\"If you\'re a big video gamer, your job requires high-bandwidth internet, or you have a large family with everyone on the network at once, you may need to pay extra for premium internet,\" says Bringle. \"If you only have one or two people in the home though, use the internet for basic things, or don\'t work remotely, consider downgrading to a cheaper plan to save money.</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_1-0-67\">To Lower Your Cell Phone Bill</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-68\"><strong>Eliminate That Mobile Hotspot You Don\'t Use</strong></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_1-0-69\">Mobile hotspots on your phone can be a great convenience—unless, of course, you don\'t use them at all. In that case, they are a gigantic waste of money.<br><br>\"One of the top ways to save on your phone bill is to check if you\'re using your mobile hot spot,\" says Chen. \"The main difference between the major U.S. cellular carriers\' premium and basic plans is the mobile hotspot. If you\'re not using this feature at all, you can save $15 per line every month by switching to a different plan.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-71\"><strong>Switch to a Smaller Service Provider</strong></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_1-0-72\">If you\'re with a top-tier mobile phone carrier, such as Verizon, AT&amp;T, or T-Mobile, do yourself and your bottom line a favor and look into a second-tier provider. There\'s no reason to continue paying the steep prices charged by major carriers.<br><br>\"Smaller providers typically use the same cell phone towers, providing similar reception, but at lower rates,\" says Christensen, of Debt Reduction Services. \"On the downside, they will not typically have as many perks to choose from, but if you\'re not taking advantage of these perks already, you won\'t miss them.\"<br><br>Guadalupe Sanchez, founder of the website Budgeting in Blue, switched her cell phone plan to smaller carrier Cricket and has never looked back.<br><br>\"My cell phone bill is only $25 a month, and I love it,\" says Sanchez. \"I\'ve never had any problems. I refuse to spend more than $25 on a cell phone bill, especially since I don\'t have to. If you\'re spending more than $25 a month and don\'t want to switch carriers, call your provider and let them know Cricket offers that deal. It\'s as simple as calling your provider and asking for a discount. Most phone carriers don\'t want you to leave and they\'ll offer you a discount to stay.\"</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_1-0-74\">It\'s also worth noting that for the $25 she pays each month, Sanchez gets unlimited calls, texts, and data—meaning she is sacrificing very little for that price. Some of the other smaller carriers to investigate include StraightTalk and Mint Mobile.</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_1-0-76\">To Lower Your Health Care Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-77\"><strong>Use an HSA or FSA</strong></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_1-0-78\">Many employers these days offer Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)—both of which can help you save money on health care costs, says Michael Botta, who holds a PhD in health economics and policy from Harvard University, and is a health cost expert who assisted with the creation of Obamacare.<br><br>\"You can fund these accounts with pre-tax dollars from your paycheck. And when unpredictable expenses come up (often things like urgent care or hospital stays), you can apply for money from your HSA or FSA toward any medical bill,\" says Botta, co-founder of the healthcare marketplace Sesame.<br><br>If your employer doesn\'t offer these plans, consider asking them to establish one, says Botta. There are also individual options to access these types of accounts.<br><br>\"Companies like HSA Bank and Health Savings Administrators offer individually-funded HSAs, and you can set up a regular contribution from your paycheck,\" says Botta.</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_1-0-80\">No matter how you access these types of accounts, you\'ll want to max out your contributions, says Robin Saks Frankel, personal finance expert for Forbes Advisor.</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_1-0-82\">\"Since the funds deposited into these accounts aren\'t subject to taxes, think of them as getting a big discount on paying for health care services and products,\" says Frankel. \"For example, $100 in an FSA account has a lot more purchasing power than that same $100 once taxes are subtracted in your checking account.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-84\"><strong>Shop Around for Your Doctor and Prescriptions</strong></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_1-0-85\">Most consumers would be surprised to discover how much prices for health services and procedures can vary from doctor to doctor or pharmacy to pharmacy, says Botta.</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_1-0-87\">There\'s an emerging crop of online platforms and apps that allow consumers to comparison-shop among physicians and medical facilities—including Botta\'s own platform Sesame, and Amina, an app that launched in 2016 with the goal of allowing consumers to choose doctors based on knowing ahead of time how much the medical professional charges.</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_1-0-91\">Yes, this may seem like a radical idea, but when you think about all of the other things you buy in life (including the many monthly services on this checklist), the price you\'re expected to pay is inevitably made clear upfront. Doctor and hospital fees are one of the few areas where this is simply not the case—and you often have very little idea what your costs will be until after you\'ve received the service.</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_1-0-93\">\"You would be shocked at how much prices for health services can vary from doctor to doctor or pharmacy to pharmacy,\" says Botta. \"If you pay for any of your own care—whether out of pocket or via an insurance deductible—you can save much more than you think by comparing pricing.\"</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, <a href=\"https://www.realsimple.com/work-life/money/money-planning/lower-monthly-bills-checklist\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Lower Your Monthly Bills: a Checklist','','publish','closed','closed','','how-to-lower-your-monthly-bills-a-checklist','','','2023-05-29 17:09:03','2023-05-29 17:09:03','',0,'http://smartinsurance.tips/?p=3189',0,'post','',0),(3190,1,'2023-05-29 16:34:02','2023-05-29 16:34:02','','My-project-1-29','','inherit','closed','closed','','my-project-1-29','','','2023-05-29 16:34:02','2023-05-29 16:34:02','',3189,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-29.png',0,'attachment','image/png',0),(3191,1,'2023-05-29 17:09:03','2023-05-29 17:09:03','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These strategies from money experts can save you some serious cash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3190,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-29.png\" alt=\"\" class=\"wp-image-3190\"/></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\" id=\"mntl-sc-block_1-0\">When inflation skyrockets, so does the cost of everything from groceries and gas to monthly energy bills. For those trying to live on a tight budget (or who simply want to avoid spending a small fortune to get by each month), it has never been more essential to find ways to bring down your monthly cost of living.</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_1-0-2\">To help with this all-important effort, we asked money experts to share tips for reducing the cost of common monthly bills. (Think: mortgages, cable television, cell phone plans, health care, and even insurance.) Here\'s your go-to guide for keeping more money in your pocket each month.</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_1-0-4\">To Lower Your Mortgage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\"><strong>Refinance</strong></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_1-0-6\">Check the current interest rates and see if it\'s an opportune time to consider refinancing your home mortgage.<br><br>\"Review your mortgage interest rate to see if you might be able to reduce the rate by refinancing,\" says Melissa Walsh, CFA, and CFP, with Florida-based Clarity Financial Design. \"Your mortgage should be reviewed every year to see if you can save on interest expenses by paying a lower interest rate.\"<br><br>When contemplating a refinance, however, be sure to consider the total cost of the process, including such expenses as an appraisal and legal fees, and closing costs, to make sure it\'s a step that ultimately saves you money.</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_1-0-10\">For instance, it will not make sense to lay out thousands of dollars to refinance in pursuit of a lower monthly mortgage payment if you do not intend to continue living in your home for at least a few more years.<br><br>\"Consider how long you\'re planning to stay in your current home,\" Walsh adds. \"Generally, the longer you plan to stay, the more you\'ll be able to save by refinancing your mortgage.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\"><strong>Cancel Private Mortgage Insurance</strong></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_1-0-13\">Many homeowners pay $100 or more each month for private mortgage insurance (PMI) and often doing so has no benefit.<br><br>\"PMI simply protects the lender,\" says Kenny Li, CFA and director of investments for the asset management firm LNG MGMT. \"If your mortgage balance has reached 80 percent—meaning you\'ve made enough payments to gain 20 percent equity in your home—you can request that your mortgage insurance be canceled.\"<br><br>In most cases, mortgage insurance is canceled automatically once your mortgage balance hits 78 percent or you\'re halfway through your loan term, whichever comes first. But you\'ll save money by canceling it as soon as possible.</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\">To Lower Your Insurance Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\"><strong>Review Your Home Insurance Policy</strong></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_1-0-17\">If you own a home, then having a homeowners insurance policy is a must in order to protect your investment and your personal belongings. But that doesn\'t mean you can\'t call your insurance provider each year and review the various charges associated with your policy to identify opportunities to reduce any unnecessary costs.<br><br>\"Check with your homeowner\'s insurance agent to find out where you might be able to intelligently save money off your premium,\" says Stacey Giulianti, of Peninsula Insurance. \"If you have savings put away, consider increasing the deductible on your insurance policy, which will reduce your annual premium.\"<br><br>In addition, inquire about whether your insurance provider offers a less expensive coverage option for damaged personal property known as Actual Cash Value (ACV), advises Giulianti.<br><br>\"Actual Cash Value is a less expensive option than Replacement Cost,\" explains Giulianti. \"But make sure you work with your agent to understand all the ramifications of making such changes first.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\"><strong>Shop Around for a New Policy</strong></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_1-0-20\">Yet another way to save money on insurance policies is to make it a regular habit to shop around for the best, most competitive offers.<br><br>\"Shopping around for insurance can save hundreds each year,\" says Martin Boonzaayer, CEO of The Trusted Home Buyer. \"Sometimes even just suggesting that you will leave your current carrier will result in receiving \'hidden discounts\' that were never mentioned to you before.\"<br><br>It\'s also worth noting that there are numerous online insurance marketplaces and price comparison websites these days, such as Policygenius and The Zebra.<br><br>\"In today\'s digital age, it\'s very easy to find the lowest rates by plugging in your information online and generating quotes from multiple carriers at once to ensure you\'re getting the best rate,\" says Jonathan Svensson, co-founder, and partner with the financial platform Almvest.</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_1-0-22\">To Lower Your Utility Bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\"><strong>Turn Your Thermostat Down</strong></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_1-0-24\">This should be an obvious tip, but in case you\'re not already implementing this habit, turn your thermostat down and save yourself a few dollars on monthly heating bills. This is especially important given that the cost of energy has risen to its highest level in decades.<br><br>\"You can save from 1 percent to 2 percent for each degree of temperature you lower your winter thermostat setting,\" says Todd Christensen, education manager for the Idaho-based non-profit agency Debt Reduction Services. \"If you currently pay $200 a month during the winter for your heating bill, and if you keep your home at 75 degrees, you could turn it down to 70 degrees and save $10 to $20 a month.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\"><strong>Reverse Your Ceiling Fans</strong></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_1-0-27\">It\'s also possible to bring down energy costs slightly by simply changing the direction in which your ceiling fans operate come winter.<br><br>\"Reverse your ceiling fans (there is a switch to do this on most units) to push the warm air back down, rather than have the warm air get sucked up toward the ceiling,\" says Scott Alan Turner, a certified financial planner, and consumer advocate.<br><br>This simple step should help keep your home warmer, allowing you to resist the temptation to crank the thermostat.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\"><strong>Switch to Solar Energy</strong></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_1-0-30\">With climate change causing increasing devastation around the world, it has never been more important to start transitioning to renewable energy sources and weaning ourselves off damaging fossil fuels. Going solar is a great way to help save the planet while also saving yourself money each month on energy bills.<br><br>\"Yes, it\'s a bit of an upfront investment, but with the sun being a free power source, you\'re able to power a household mostly out of solar energy in the long run,\" says Jay Whitacre, chief scientist and founder of Aquion Energy. \"What\'s more, you can sell the excess energy your solar panels generate through net metering programs, which allows you to earn money instead.\"<br><br>Now is the time to educate yourself about solar energy and make the switch, as fossil fuel energy providers and special interest groups across the nation are actively working behind the s cenes to revise the current system and make solar more expensive in the future for homeowners in an effort to discourage the clean energy revolution.<br><br>This is particularly true in California, where the state\'s three investor-owned utilities—Pacific Gas and Electric (PG&amp;E), Southern California Edison (SoCal Edison), and San Diego Gas and Electric (SDG&amp;E)—proposed dramatic changes to the state\'s net metering program in 2020 that would impose steep mandatory fees on solar customers and slash net metering payments resulting from solar energy systems.<br><br>The changes being advanced by fossil fuel utilities would eliminate the economic viability of solar power for many Californians, especially those with low to moderate incomes, according to Frontier Group.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\"><strong>Shop for a Better Electricity Price</strong></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_1-0-33\">If you live in one of the more than two dozen states that allow consumers to shop around for electricity or natural gas from different providers, this is yet another option for potentially lowering your monthly costs.</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_1-0-37\">\"If you haven\'t checked how your current electric or gas rate compares, you can probably save by switching,\" says Jordan Hobfoll, CEO of Energy Simply, a comparison site for Texas residents.<br><br>Just make sure you shop on a state-sponsored comparison site and stay with transparent and straightforward plans, advises Hobfoll.<br><br>A variety of websites provide more information about electricity choice and the states where it is available. More details are available from National Renewable Energy Laboratory and also from the US Energy Information Administration.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\"><strong>Install a Smart Thermostat</strong></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_1-0-40\">Various studies have shown that making the switch to a smart thermostat can save you money. If you\'re considering purchasing one, be sure to opt for a model that has an ENERGY STAR rating. This stamp of approval, according to CNET, means the thermostat has gone through an independent certification process verifying that it will actually save you money.<br><br>WiFi-enabled smart thermostats are designed to communicate with you via an app and actively help you use less energy, thus saving you cash over the course of time.</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_1-0-42\">To Lower Your Transportation Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-43\"><strong>Use GasBuddy</strong></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_1-0-44\">If you haven\'t yet downloaded the GasBuddy app (which helps you find the cheapest gas stations around), now is the time to do so.<br><br>\"GasBuddy is one of my favorite applications that can help you find low-cost gas in your area,\" says Jeffrey Zhou, co-founder, and CEO of Fig Loans. \"Everyone knows that inflation is taking the fuel market by storm right now, and we all need to get to work. Take advantage of deals in your area to lessen the impact on your credit card.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-46\"><strong>Ask About Working Remotely</strong></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_1-0-47\">Working remotely has certainly become the norm for many companies since the COVID-19 outbreak. But if you haven\'t joined the masses yet, now may be the time to find out whether you\'re able to do so in order to save money on commuting each day.<br><br>\"In the past, the solution to saving on transportation costs was carpooling or using public transportation systems,\" says Jake Oyler of Colwyn Investments. \"Those options are still valid and available. However, with the effects of the recent pandemic, many employers have begun to offer remote work options for employees... If your employer hasn\'t offered this option to you, it would be worth asking about your options.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-49\"><strong>Drive a Hybrid or Electric Vehicle</strong></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_1-0-50\">Yet another revolution slowing gaining traction is the switch to electric or hybrid vehicles, which can save you substantially on the cost of fuel, if not eliminate the expense altogether. It\'s a move that\'s good for your bottom line and for the planet.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-52\"><strong>Consolidate Your Trips</strong></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_1-0-53\">Planning your driving trips carefully and consolidating the errands you run each day and week can also help cut back on fuel expenses.<br><br>\"Saving on gas is something we\'re all acquainted with, in theory at least,\" says Brian DeChesare, CEO of the financial career platform Breaking Into Wall Street. \"With inflation and supply chain issues, more of us are being forced to think creatively about how we use our personal vehicles. One thing that helps is to get organized. Do your best to plan any trips, especially the miscellaneous ones that tend to add up throughout the week.\"</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_1-0-55\">\"The more you can consolidate your car rides into fewer trips, the more you\'ll save on gas,\" says DeChesare. \"It takes a considerable amount of gasoline to start your car up, plus all that time stuck in traffic is quite taxing, too.\"</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_1-0-57\">To Lower Your Cable and Internet Bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-58\"><strong>Ask Your Provider for a Lower Rate</strong></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_1-0-59\">So many of us just accept the cost of our cable bills without a second thought. But now is hardly the time to simply accept what we are being sold without question.<br><br>\"Call up your service provider and ask for a better rate,\" says Turner. \"Most people will go years without shopping around for new service or price comparing. Companies want to keep their customers. Taking 10 minutes to ask for a discount, reduced rate, or one-time credit can easily get you $20 to $200 in savings.\"<br><br>It\'s also a good idea to spend some time carefully reviewing your monthly cable and internet bills to ensure no new charges have quietly been tacked on to what you\'re paying.<br><br>\"Make sure there aren\'t any sneaky charges, like a rental fee for your modem, or other fees that could be negotiated out of the bill to save you cash,\" says Zhou, of Fig Loans.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-61\"><strong>Stop Paying for Channels You Don\'t Watch</strong></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_1-0-62\">It\'s surprising that anyone buys cable television anymore from big legacy providers, companies that have a history of price gouging in places where competition is limited.<br><br>Ditch the ridiculously steep monthly cable bills from the likes of AT&amp;T and Spectrum and switch instead to on-demand entertainment from such providers as Netflix, Hulu, and more. To do this, simply invest in a low-cost Roku Express or similar device and begin streaming programs using your internet.<br><br>\"If you only watch a few networks, a handful of shows, or don\'t watch live TV, switch from cable to a streaming service or two instead,\" says Lauren Bringle, accredited financial counselor with Self Financial, a fintech company that helps users build credit and save money. \"That way you pay maybe $20 to $30 for streaming instead of $100 or more for cable each month. Just be conscious of how many streaming services you stack on top of each other, or you could pay just as much for streaming as you do for cable.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-64\"><strong>Learn Your Internet Speed</strong></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_1-0-65\">Don\'t pay for premium internet service if that\'s not what you truly need.<br><br>\"If you\'re a big video gamer, your job requires high-bandwidth internet, or you have a large family with everyone on the network at once, you may need to pay extra for premium internet,\" says Bringle. \"If you only have one or two people in the home though, use the internet for basic things, or don\'t work remotely, consider downgrading to a cheaper plan to save money.</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_1-0-67\">To Lower Your Cell Phone Bill</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-68\"><strong>Eliminate That Mobile Hotspot You Don\'t Use</strong></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_1-0-69\">Mobile hotspots on your phone can be a great convenience—unless, of course, you don\'t use them at all. In that case, they are a gigantic waste of money.<br><br>\"One of the top ways to save on your phone bill is to check if you\'re using your mobile hot spot,\" says Chen. \"The main difference between the major U.S. cellular carriers\' premium and basic plans is the mobile hotspot. If you\'re not using this feature at all, you can save $15 per line every month by switching to a different plan.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-71\"><strong>Switch to a Smaller Service Provider</strong></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_1-0-72\">If you\'re with a top-tier mobile phone carrier, such as Verizon, AT&amp;T, or T-Mobile, do yourself and your bottom line a favor and look into a second-tier provider. There\'s no reason to continue paying the steep prices charged by major carriers.<br><br>\"Smaller providers typically use the same cell phone towers, providing similar reception, but at lower rates,\" says Christensen, of Debt Reduction Services. \"On the downside, they will not typically have as many perks to choose from, but if you\'re not taking advantage of these perks already, you won\'t miss them.\"<br><br>Guadalupe Sanchez, founder of the website Budgeting in Blue, switched her cell phone plan to smaller carrier Cricket and has never looked back.<br><br>\"My cell phone bill is only $25 a month, and I love it,\" says Sanchez. \"I\'ve never had any problems. I refuse to spend more than $25 on a cell phone bill, especially since I don\'t have to. If you\'re spending more than $25 a month and don\'t want to switch carriers, call your provider and let them know Cricket offers that deal. It\'s as simple as calling your provider and asking for a discount. Most phone carriers don\'t want you to leave and they\'ll offer you a discount to stay.\"</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_1-0-74\">It\'s also worth noting that for the $25 she pays each month, Sanchez gets unlimited calls, texts, and data—meaning she is sacrificing very little for that price. Some of the other smaller carriers to investigate include StraightTalk and Mint Mobile.</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_1-0-76\">To Lower Your Health Care Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-77\"><strong>Use an HSA or FSA</strong></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_1-0-78\">Many employers these days offer Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)—both of which can help you save money on health care costs, says Michael Botta, who holds a PhD in health economics and policy from Harvard University, and is a health cost expert who assisted with the creation of Obamacare.<br><br>\"You can fund these accounts with pre-tax dollars from your paycheck. And when unpredictable expenses come up (often things like urgent care or hospital stays), you can apply for money from your HSA or FSA toward any medical bill,\" says Botta, co-founder of the healthcare marketplace Sesame.<br><br>If your employer doesn\'t offer these plans, consider asking them to establish one, says Botta. There are also individual options to access these types of accounts.<br><br>\"Companies like HSA Bank and Health Savings Administrators offer individually-funded HSAs, and you can set up a regular contribution from your paycheck,\" says Botta.</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_1-0-80\">No matter how you access these types of accounts, you\'ll want to max out your contributions, says Robin Saks Frankel, personal finance expert for Forbes Advisor.</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_1-0-82\">\"Since the funds deposited into these accounts aren\'t subject to taxes, think of them as getting a big discount on paying for health care services and products,\" says Frankel. \"For example, $100 in an FSA account has a lot more purchasing power than that same $100 once taxes are subtracted in your checking account.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-84\"><strong>Shop Around for Your Doctor and Prescriptions</strong></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_1-0-85\">Most consumers would be surprised to discover how much prices for health services and procedures can vary from doctor to doctor or pharmacy to pharmacy, says Botta.</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_1-0-87\">There\'s an emerging crop of online platforms and apps that allow consumers to comparison-shop among physicians and medical facilities—including Botta\'s own platform Sesame, and Amina, an app that launched in 2016 with the goal of allowing consumers to choose doctors based on knowing ahead of time how much the medical professional charges.</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_1-0-91\">Yes, this may seem like a radical idea, but when you think about all of the other things you buy in life (including the many monthly services on this checklist), the price you\'re expected to pay is inevitably made clear upfront. Doctor and hospital fees are one of the few areas where this is simply not the case—and you often have very little idea what your costs will be until after you\'ve received the service.</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_1-0-93\">\"You would be shocked at how much prices for health services can vary from doctor to doctor or pharmacy to pharmacy,\" says Botta. \"If you pay for any of your own care—whether out of pocket or via an insurance deductible—you can save much more than you think by comparing pricing.\"</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, <a href=\"https://www.realsimple.com/work-life/money/money-planning/lower-monthly-bills-checklist\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Lower Your Monthly Bills: a Checklist','','inherit','closed','closed','','3189-revision-v1','','','2023-05-29 17:09:03','2023-05-29 17:09:03','',3189,'http://smartinsurance.tips/?p=3191',0,'revision','',0),(3192,1,'2023-05-29 19:10:36','2023-05-29 19:10:36','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Finances alone can be stressful, but checking small items off your list can help put your mind at ease.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3193,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-1.png\" alt=\"\" class=\"wp-image-3193\"/></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\" id=\"mntl-sc-block_1-0\">Whether it\'s going out for a run, seeing a therapist, or drinking green juice, we all have things we do as part of a self-care routine to reduce stress. While integrating these things into our lifestyles might have felt uncomfortable in the beginning—once you start moving, talking about your feelings, or even learning to like kale, these things may actually start to make you feel good.</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_1-0-2\">The same idea can apply to checking things of your personal finance to-do list. If tasks like checking your bank account balances or paying your monthly credit card bill make you cringe—know you aren’t alone. The results of a study that surveyed more than 19,000 adults in the United States showed that 60 percent felt anxious when thinking about their personal finances and 50 percent felt stressed discussing the topic.</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_1-0-5\">“Financial stress has been seen as an unshakable part of adulthood for so many,\" says Maia Monell, MS, co-founder of personal finance app, Nav.it. \"Mounting debt, expenses, and an abundance of predatory financial actors all make mitigating financial health incredibly challenging.\"</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_1-0-7\">So, what’s the key to making money feel less stressful? Monell believes it involves creating a daily financial health routine akin to other self-care practices. “As reducing financial stress is key to unlocking long-term health, we must begin to practice good financial health regularly to build confidence in our ability to overcome challenges, navigate decisions and optimize our financial health outcomes to live our best lives,” she says.</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_1-0-9\">Below, take note of seven small finance tasks you can do to help minimize your stress around money. Trying to accomplish all seven at once could feel overwhelming, so try to start with just productive finance task and build from there. </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_1-0-11\">Download a personal finance app</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_1-0-12\">\"The best way to deal with overwhelm is to increase your awareness around the problem at hand and take action towards changing the situation,\" says Diana Yáñez, certified financial planner and registered life planner. \"Start [with whatever] feels easiest and gentlest or most aligned with your goal—just make sure to start.”</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_1-0-14\">One easy step to take is to simply download an app. Whether it\'s a personal finance app like Nav.it or just the free one that your bank or credit card company offers, it\'s a step in the right direction. Having on-demand access to your financial information can feel empowering. You may also be able to sign up for notifications like credit line increases and fraud alerts depending on what your financial institution offers. </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_1-0-18\">Write down your financial goals&nbsp;</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_1-0-19\">Want to buy a house? Open up college savings accounts for your children? Or put money into a retirement fund? Monell recommends writing these goals down and then making a plan for each. “Begin by listing out short-term and long-term financial goals, then map out a monthly, weekly, and daily routine [to get you to those goals],” she says.&nbsp;Having a clear timeline planned out for your goals can give you a better idea of where you stand, and keep you from stressing over the unknown.</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_1-0-21\">Face any account issues immediately</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_1-0-22\">Did you just receive a fraud alert text from your bank? Do you think you were accidentally charged twice for the same purchase? Was your card declined for a $5 cup of coffee? Things like this can happen to all of us from time to time regardless of how much money is in our bank account.</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_1-0-24\">Even if you check your balances and cards regularly, if something comes up, you should handle it immediately. While it could be something more serious like identity theft, it could also be a technical glitch or, best case scenario, nothing at all. After all, while it’s certainly stressful to check your accounts at inopportune times, like at work or during brunch with friends—nipping a problem in the bud is much easier than untangling a web of identity theft when your account suddenly has a zero balance or spending hours on the phone with customer service.&nbsp;</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_1-0-26\">Check your balances regularly</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_1-0-27\"><strong>“</strong>Because finances are such a source of stress, many people ignore their bank accounts and avoid having a monthly budget plan,\" says therapist Justine Carino. \"Avoidance makes the stress even worse because we lack awareness and begin to feel out of control of our finances. Avoidance is the most unhelpful coping mechanism for anxiety and stress, but it\'s the most commonly used. If you can get into the routine of looking at your bank accounts weekly, you will be able to hit goals and feel less stress.”</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_1-0-29\">So, make a plan and put it on your calendar. For example, check your bank account balance every Wednesday at noon and your credit cards every Sunday at 6 p.m. The more you do this, the easier it will get.&nbsp;</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_1-0-31\">Have a monthly budget</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_1-0-32\">No one enjoys budgeting, but it helps you save money in the long run and gives you greater awareness and control of your finances. Whether you use an app, make a spreadsheet, or put pen to paper—figure out which way works best for you. </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_1-0-36\">Educate yourself on money management</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_1-0-37\">Want money to feel less intimidating and or to educate yourself on the best ways to maximize your funds? Check out a book on financial wellness from your local library or shop for affordable titles online. Commit to reading a couple chapters a week—or whatever works for you—and start to feel a bit more empowered in your knowledge of personal finances.</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_1-0-39\">Not a reader? Hit the subscribe button to one of the many free podcasts out there about money and investing. Search for personal finance on your preferred podcast platform and try to find a host and message you connect with. </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_1-0-43\">Talk to an expert</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_1-0-44\">Taking care of your finances alone can be scary and overwhelming. So why not get some professional help? Financial planners and coaches know how to maximize cash, minimize interest, and make the most of investments. “Talk with a professional money person through the Foundation for Financial Planning or start educating yourself through resources like The Financial Diet, I Will Teach You To Be Rich, or All the Colors,” says Yáñez.</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, <a href=\"https://www.realsimple.com/small-finance-tasks-to-minimize-stress-7100035\">click here.</a></p>\n<!-- /wp:paragraph -->','7 Small Finance Tasks You Can Do to Minimize Your Stress','','publish','closed','closed','','7-small-finance-tasks-you-can-do-to-minimize-your-stress','','','2023-05-29 19:10:36','2023-05-29 19:10:36','',0,'http://smartinsurance.tips/?p=3192',0,'post','',0),(3193,1,'2023-05-29 19:06:31','2023-05-29 19:06:31','','My-project-1-1','','inherit','closed','closed','','my-project-1-1-2','','','2023-05-29 19:06:31','2023-05-29 19:06:31','',3192,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-1.png',0,'attachment','image/png',0),(3194,1,'2023-05-29 19:10:36','2023-05-29 19:10:36','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Finances alone can be stressful, but checking small items off your list can help put your mind at ease.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3193,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-1.png\" alt=\"\" class=\"wp-image-3193\"/></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\" id=\"mntl-sc-block_1-0\">Whether it\'s going out for a run, seeing a therapist, or drinking green juice, we all have things we do as part of a self-care routine to reduce stress. While integrating these things into our lifestyles might have felt uncomfortable in the beginning—once you start moving, talking about your feelings, or even learning to like kale, these things may actually start to make you feel good.</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_1-0-2\">The same idea can apply to checking things of your personal finance to-do list. If tasks like checking your bank account balances or paying your monthly credit card bill make you cringe—know you aren’t alone. The results of a study that surveyed more than 19,000 adults in the United States showed that 60 percent felt anxious when thinking about their personal finances and 50 percent felt stressed discussing the topic.</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_1-0-5\">“Financial stress has been seen as an unshakable part of adulthood for so many,\" says Maia Monell, MS, co-founder of personal finance app, Nav.it. \"Mounting debt, expenses, and an abundance of predatory financial actors all make mitigating financial health incredibly challenging.\"</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_1-0-7\">So, what’s the key to making money feel less stressful? Monell believes it involves creating a daily financial health routine akin to other self-care practices. “As reducing financial stress is key to unlocking long-term health, we must begin to practice good financial health regularly to build confidence in our ability to overcome challenges, navigate decisions and optimize our financial health outcomes to live our best lives,” she says.</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_1-0-9\">Below, take note of seven small finance tasks you can do to help minimize your stress around money. Trying to accomplish all seven at once could feel overwhelming, so try to start with just productive finance task and build from there. </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_1-0-11\">Download a personal finance app</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_1-0-12\">\"The best way to deal with overwhelm is to increase your awareness around the problem at hand and take action towards changing the situation,\" says Diana Yáñez, certified financial planner and registered life planner. \"Start [with whatever] feels easiest and gentlest or most aligned with your goal—just make sure to start.”</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_1-0-14\">One easy step to take is to simply download an app. Whether it\'s a personal finance app like Nav.it or just the free one that your bank or credit card company offers, it\'s a step in the right direction. Having on-demand access to your financial information can feel empowering. You may also be able to sign up for notifications like credit line increases and fraud alerts depending on what your financial institution offers. </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_1-0-18\">Write down your financial goals&nbsp;</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_1-0-19\">Want to buy a house? Open up college savings accounts for your children? Or put money into a retirement fund? Monell recommends writing these goals down and then making a plan for each. “Begin by listing out short-term and long-term financial goals, then map out a monthly, weekly, and daily routine [to get you to those goals],” she says.&nbsp;Having a clear timeline planned out for your goals can give you a better idea of where you stand, and keep you from stressing over the unknown.</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_1-0-21\">Face any account issues immediately</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_1-0-22\">Did you just receive a fraud alert text from your bank? Do you think you were accidentally charged twice for the same purchase? Was your card declined for a $5 cup of coffee? Things like this can happen to all of us from time to time regardless of how much money is in our bank account.</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_1-0-24\">Even if you check your balances and cards regularly, if something comes up, you should handle it immediately. While it could be something more serious like identity theft, it could also be a technical glitch or, best case scenario, nothing at all. After all, while it’s certainly stressful to check your accounts at inopportune times, like at work or during brunch with friends—nipping a problem in the bud is much easier than untangling a web of identity theft when your account suddenly has a zero balance or spending hours on the phone with customer service.&nbsp;</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_1-0-26\">Check your balances regularly</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_1-0-27\"><strong>“</strong>Because finances are such a source of stress, many people ignore their bank accounts and avoid having a monthly budget plan,\" says therapist Justine Carino. \"Avoidance makes the stress even worse because we lack awareness and begin to feel out of control of our finances. Avoidance is the most unhelpful coping mechanism for anxiety and stress, but it\'s the most commonly used. If you can get into the routine of looking at your bank accounts weekly, you will be able to hit goals and feel less stress.”</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_1-0-29\">So, make a plan and put it on your calendar. For example, check your bank account balance every Wednesday at noon and your credit cards every Sunday at 6 p.m. The more you do this, the easier it will get.&nbsp;</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_1-0-31\">Have a monthly budget</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_1-0-32\">No one enjoys budgeting, but it helps you save money in the long run and gives you greater awareness and control of your finances. Whether you use an app, make a spreadsheet, or put pen to paper—figure out which way works best for you. </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_1-0-36\">Educate yourself on money management</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_1-0-37\">Want money to feel less intimidating and or to educate yourself on the best ways to maximize your funds? Check out a book on financial wellness from your local library or shop for affordable titles online. Commit to reading a couple chapters a week—or whatever works for you—and start to feel a bit more empowered in your knowledge of personal finances.</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_1-0-39\">Not a reader? Hit the subscribe button to one of the many free podcasts out there about money and investing. Search for personal finance on your preferred podcast platform and try to find a host and message you connect with. </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_1-0-43\">Talk to an expert</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_1-0-44\">Taking care of your finances alone can be scary and overwhelming. So why not get some professional help? Financial planners and coaches know how to maximize cash, minimize interest, and make the most of investments. “Talk with a professional money person through the Foundation for Financial Planning or start educating yourself through resources like The Financial Diet, I Will Teach You To Be Rich, or All the Colors,” says Yáñez.</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, <a href=\"https://www.realsimple.com/small-finance-tasks-to-minimize-stress-7100035\">click here.</a></p>\n<!-- /wp:paragraph -->','7 Small Finance Tasks You Can Do to Minimize Your Stress','','inherit','closed','closed','','3192-revision-v1','','','2023-05-29 19:10:36','2023-05-29 19:10:36','',3192,'http://smartinsurance.tips/?p=3194',0,'revision','',0),