(2907,1,'2022-12-31 07:28:14','2022-12-31 07:28:14','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2908,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-4.png\" alt=\"\" class=\"wp-image-2908\"/></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\">In 1992, 79-year-old Stella Liebeck bought a cup of coffee from her local McDonald’s drive-thru in Albuquerque. As she tried to remove the lid to add cream and sugar, the cup tipped over and&nbsp; poured scalding hot coffee onto her lap, leading to severe third-degree burns. Liebeck later took McDonald’s to court, where the judge ruled in Liebeck’s favor, determining that McDonald’s was irresponsibly overheating its coffee, and awarded Liebeck millions of dollars in punitive damages.</p>\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 famous case is also a great illustration of why companies need business insurance. While McDonald’s was able to absorb the cost of the settlement, any business of any size can take a hard hit if faced with a lawsuit. And companies can be held liable for all kinds of incidents, including property damage, car accidents, or an injured employee. These things happen—and business insurance can help protect your 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\">What is 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\">Business insurance protects businesses from the financial losses associated with unexpected events, including property damage, lawsuits, loss of income, theft, employee injuries and illnesses, and workers’ compensation. Put simply, in cases of injury or damage, your business insurance reimburses your company, either fully or partially, for the costs. Think of business insurance as a layer of protection.</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 business 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\">“Business insurance”—sometimes called commercial insurance—is an umbrella term, not the name of a business insurance policy you can buy. In fact, when you start researching business insurance, you might notice there are nearly as many types of policies as there are businesses. Depending on the type of insurance you need and the policies you choose, business insurance can cover:</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>Theft</li><li>Property damage</li><li>Liability protection&nbsp;</li><li>Lawsuits&nbsp;</li><li>Vehicle insurance</li><li>Loss of income</li><li>Employee injuries/illnesses</li><li>Workers’ comp</li><li>Customer injury</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\">You can also get a business owner’s policy (BOP), which is an insurance package that combines  general liability insurance, commercial property insurance, and business income insurance into a single 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\">Here are three common types of business insurance and what they cover:</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=\"anchor-1\"><strong>1. Commercial property 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\">Commercial property insurance covers damage to your business property by way of fire, storms, theft, and other property-related events, depending on the policy. These policies usually don’t protect against flooding, however, which often requires additional coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Common types of commercial property insurance policies include business personal property, business income, commercial auto, commercial flood, and home-based business 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\">Situations that might require commercial property insurance 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><strong>Your retail store is broken into and robbed.</strong>&nbsp;Commercial property insurance can help cover costs of repairs and replace stolen inventory.</li><li><strong>A wildfire destroys your property.</strong>&nbsp;Property insurance can help cover loss of income and potentially help buy new real estate.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"anchor-2\"><strong>2. Liability coverage</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\">Liability protection policies provide legal liability coverage for all the ways your company could be sued. This includes bodily injury, property damage caused by your company (as opposed to damage to your company’s property), advertising injury, employment practices, and errors or omissions. Common types of liability policies include general, commercial umbrella, directors and officers, and professional liability 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\">Situations that might require liability insurance 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><strong>A customer is injured in a fall on your property.</strong> Sometimes called a “slip and fall,” this situation can potentially lead to medical expenses and lawsuits.</li><li><strong>Your accounting business makes a mistake.</strong> The result is your client has to pay hundreds of thousands of dollars in back taxes. Professional liability insurance—also called errors and omissions—could help cover these costs.</li><li><strong>An employee falls for a phishing email.</strong> The perpetrator manages to steal sensitive client data. Cyber liability insurance helps you compensate victims, cover legal costs, pay for public relations to repair damage to your reputation, and cover the cost of credit monitoring for affected customers.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"anchor-3\"><strong>3. Employee 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\">Even small business owners need business insurance policies: If your US-based business has three or more employees, you’re required by federal law to have workers’ comp and disability insurance. Workers’ comp covers your employees’ lost wages if they’re injured on the job and unable to work, and is generally used in place of litigation. Employer’s liability insurance covers additional costs if an employee’s bills aren’t covered by those two.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Disability insurance is either short term or long term. Long-term disability insurance is usually reserved for wealthy individuals or provided by the state, while short-term disability insurance is provided by the company. It’s used for injuries that lead to more time off of work than those covered by workers’ comp but usually lasts less than a year. It also can cover illnesses or injuries that happen outside of work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Situations that might require employee insurance 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><strong>An employee crashes a forklift.</strong>&nbsp;They didn’t know it had a flat tire. This type of workplace accident may be covered by workers’ comp.</li><li><strong>Your delivery driver gets into a car accident.</strong>&nbsp;Their leg breaks during the accident and they choose to sue you for more compensation. While your vehicle insurance covers the car and workers’ comp covers the initial costs, the employer’s liability insurance could help cover the extra cost you’re being sued for.</li><li><strong>Your receptionist gets cancer</strong>. Short-term disability insurance may cover 80% of their wages for three to six months.</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\">When do businesses need 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\">It’s a very good idea to have business insurance, no matter what your company does or how big it is. Every company—from a small sole proprietorship to a massive corporation is potentially at risk of accidents, natural disasters, and being sued. It’s the reality of doing 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\">Here are a few specific situations for which you want to make sure you’re covered:&nbsp;</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>You have employees</strong>. Employees are helpful, but they create a whole area of potential liability. Make sure you’re covered with workers’ comp, disability, and employer practices liability insurances. </li><li><strong>Your business has grown</strong>. As your small business grows, so too do your business insurance policy needs. Maybe you have a new property, more employees, or more profit. Update your insurance policies to keep up with changes to your company.</li><li><strong>You acquired a business vehicle.</strong> Got a new work car, van, or truck? You’re going to want to get vehicle insurance for the same reasons you insure your personal vehicle.</li><li><strong>You need industry-specific insurance.</strong> Some industries have specific insurance policies to cover incidents more likely to occur in their line of work. A photographer, for example, likely has very different needs than a retail store or car mechanic.</li><li><strong>You recently signed a lease.</strong> It’s important to get general liability insurance any time your company signs a lease. In fact, many landlords require it.  </li><li><strong>It’s required by law in your jurisdiction.</strong> Most US states require some sort of business insurance, whether it’s commercial auto insurance or workers’ compensation insurance. The federal government also has additional requirements, including workers’ comp, unemployment, and disability insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Business insurance FAQ</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\"><strong>What is business insurance and why is it important?</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\">Business insurance protects businesses from the costs of unexpected events or disasters. It’s important because major events—like a lawsuit, natural disaster, or workplace accident—can financially ruin a business.</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\"><strong>What are the different types of business 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\">There are many different types of business insurance, including commercial property insurance, liability insurance, and employee insurance, each of which covers different aspects of a business’s operations.</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\"><strong>What does business insurance typically cover?</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\">Business insurance coverage varies from industry to industry, and from business to business. Generally, business insurance covers business assets, including physical property, financial assets, and intellectual property.</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.shopify.com/blog/what-is-business-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Business Insurance and What Does It Cover?','','publish','closed','closed','','what-is-business-insurance-and-what-does-it-cover','','','2022-12-31 07:28:14','2022-12-31 07:28:14','',0,'http://smartinsurance.tips/?p=2907',0,'post','',0),(2908,1,'2022-12-31 07:22:17','2022-12-31 07:22:17','','Insurance-4','','inherit','closed','closed','','insurance-4-7','','','2022-12-31 07:22:17','2022-12-31 07:22:17','',2907,'http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-4.png',0,'attachment','image/png',0),(2909,1,'2022-12-31 07:28:14','2022-12-31 07:28:14','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2908,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-4.png\" alt=\"\" class=\"wp-image-2908\"/></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\">In 1992, 79-year-old Stella Liebeck bought a cup of coffee from her local McDonald’s drive-thru in Albuquerque. As she tried to remove the lid to add cream and sugar, the cup tipped over and&nbsp; poured scalding hot coffee onto her lap, leading to severe third-degree burns. Liebeck later took McDonald’s to court, where the judge ruled in Liebeck’s favor, determining that McDonald’s was irresponsibly overheating its coffee, and awarded Liebeck millions of dollars in punitive damages.</p>\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 famous case is also a great illustration of why companies need business insurance. While McDonald’s was able to absorb the cost of the settlement, any business of any size can take a hard hit if faced with a lawsuit. And companies can be held liable for all kinds of incidents, including property damage, car accidents, or an injured employee. These things happen—and business insurance can help protect your 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\">What is 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\">Business insurance protects businesses from the financial losses associated with unexpected events, including property damage, lawsuits, loss of income, theft, employee injuries and illnesses, and workers’ compensation. Put simply, in cases of injury or damage, your business insurance reimburses your company, either fully or partially, for the costs. Think of business insurance as a layer of protection.</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 business 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\">“Business insurance”—sometimes called commercial insurance—is an umbrella term, not the name of a business insurance policy you can buy. In fact, when you start researching business insurance, you might notice there are nearly as many types of policies as there are businesses. Depending on the type of insurance you need and the policies you choose, business insurance can cover:</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>Theft</li><li>Property damage</li><li>Liability protection&nbsp;</li><li>Lawsuits&nbsp;</li><li>Vehicle insurance</li><li>Loss of income</li><li>Employee injuries/illnesses</li><li>Workers’ comp</li><li>Customer injury</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\">You can also get a business owner’s policy (BOP), which is an insurance package that combines  general liability insurance, commercial property insurance, and business income insurance into a single 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\">Here are three common types of business insurance and what they cover:</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=\"anchor-1\"><strong>1. Commercial property 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\">Commercial property insurance covers damage to your business property by way of fire, storms, theft, and other property-related events, depending on the policy. These policies usually don’t protect against flooding, however, which often requires additional coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Common types of commercial property insurance policies include business personal property, business income, commercial auto, commercial flood, and home-based business 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\">Situations that might require commercial property insurance 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><strong>Your retail store is broken into and robbed.</strong>&nbsp;Commercial property insurance can help cover costs of repairs and replace stolen inventory.</li><li><strong>A wildfire destroys your property.</strong>&nbsp;Property insurance can help cover loss of income and potentially help buy new real estate.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"anchor-2\"><strong>2. Liability coverage</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\">Liability protection policies provide legal liability coverage for all the ways your company could be sued. This includes bodily injury, property damage caused by your company (as opposed to damage to your company’s property), advertising injury, employment practices, and errors or omissions. Common types of liability policies include general, commercial umbrella, directors and officers, and professional liability 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\">Situations that might require liability insurance 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><strong>A customer is injured in a fall on your property.</strong> Sometimes called a “slip and fall,” this situation can potentially lead to medical expenses and lawsuits.</li><li><strong>Your accounting business makes a mistake.</strong> The result is your client has to pay hundreds of thousands of dollars in back taxes. Professional liability insurance—also called errors and omissions—could help cover these costs.</li><li><strong>An employee falls for a phishing email.</strong> The perpetrator manages to steal sensitive client data. Cyber liability insurance helps you compensate victims, cover legal costs, pay for public relations to repair damage to your reputation, and cover the cost of credit monitoring for affected customers.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"anchor-3\"><strong>3. Employee 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\">Even small business owners need business insurance policies: If your US-based business has three or more employees, you’re required by federal law to have workers’ comp and disability insurance. Workers’ comp covers your employees’ lost wages if they’re injured on the job and unable to work, and is generally used in place of litigation. Employer’s liability insurance covers additional costs if an employee’s bills aren’t covered by those two.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Disability insurance is either short term or long term. Long-term disability insurance is usually reserved for wealthy individuals or provided by the state, while short-term disability insurance is provided by the company. It’s used for injuries that lead to more time off of work than those covered by workers’ comp but usually lasts less than a year. It also can cover illnesses or injuries that happen outside of work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Situations that might require employee insurance 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><strong>An employee crashes a forklift.</strong>&nbsp;They didn’t know it had a flat tire. This type of workplace accident may be covered by workers’ comp.</li><li><strong>Your delivery driver gets into a car accident.</strong>&nbsp;Their leg breaks during the accident and they choose to sue you for more compensation. While your vehicle insurance covers the car and workers’ comp covers the initial costs, the employer’s liability insurance could help cover the extra cost you’re being sued for.</li><li><strong>Your receptionist gets cancer</strong>. Short-term disability insurance may cover 80% of their wages for three to six months.</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\">When do businesses need 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\">It’s a very good idea to have business insurance, no matter what your company does or how big it is. Every company—from a small sole proprietorship to a massive corporation is potentially at risk of accidents, natural disasters, and being sued. It’s the reality of doing 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\">Here are a few specific situations for which you want to make sure you’re covered:&nbsp;</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>You have employees</strong>. Employees are helpful, but they create a whole area of potential liability. Make sure you’re covered with workers’ comp, disability, and employer practices liability insurances. </li><li><strong>Your business has grown</strong>. As your small business grows, so too do your business insurance policy needs. Maybe you have a new property, more employees, or more profit. Update your insurance policies to keep up with changes to your company.</li><li><strong>You acquired a business vehicle.</strong> Got a new work car, van, or truck? You’re going to want to get vehicle insurance for the same reasons you insure your personal vehicle.</li><li><strong>You need industry-specific insurance.</strong> Some industries have specific insurance policies to cover incidents more likely to occur in their line of work. A photographer, for example, likely has very different needs than a retail store or car mechanic.</li><li><strong>You recently signed a lease.</strong> It’s important to get general liability insurance any time your company signs a lease. In fact, many landlords require it.  </li><li><strong>It’s required by law in your jurisdiction.</strong> Most US states require some sort of business insurance, whether it’s commercial auto insurance or workers’ compensation insurance. The federal government also has additional requirements, including workers’ comp, unemployment, and disability insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Business insurance FAQ</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\"><strong>What is business insurance and why is it important?</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\">Business insurance protects businesses from the costs of unexpected events or disasters. It’s important because major events—like a lawsuit, natural disaster, or workplace accident—can financially ruin a business.</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\"><strong>What are the different types of business 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\">There are many different types of business insurance, including commercial property insurance, liability insurance, and employee insurance, each of which covers different aspects of a business’s operations.</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\"><strong>What does business insurance typically cover?</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\">Business insurance coverage varies from industry to industry, and from business to business. Generally, business insurance covers business assets, including physical property, financial assets, and intellectual property.</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.shopify.com/blog/what-is-business-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Business Insurance and What Does It Cover?','','inherit','closed','closed','','2907-revision-v1','','','2022-12-31 07:28:14','2022-12-31 07:28:14','',2907,'http://smartinsurance.tips/?p=2909',0,'revision','',0),(2910,1,'2022-12-31 15:07:18','2022-12-31 15:07:18','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t pay more than you have to.</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\":2911,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-5.png\" alt=\"\" class=\"wp-image-2911\"/></figure>\n<!-- /wp:image --><figcaption class=\"blocks-gallery-caption\"><br></figcaption></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\">Car insurance is necessary to protect you financially when behind the wheel. Whether you just have basic liability insurance or you have full auto coverage, it\'s important to ensure that you\'re getting the best deal possible. Wondering how to lower car insurance? Here are 15 strategies for saving on car insurance costs.</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>One of the ways to lower car insurance is through a discount bulk rate for insuring several vehicles and drivers at once.</li><li>Lower car insurance rates may also be available if you have other insurance policies with the same company.</li><li>Maintaining a safe driving record is key to getting lower car insurance rates.</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\">How Much Does Car 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_1-0-5\">Car insurance costs are different for every driver, depending on the state they live in, their choice of insurance company and the type of coverage they have. But when trying to save money on car insurance, it helps to know what the typical driver pays.</p>\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\">On average, the typical person spent $1,190 on car insurance in 2018, based on the latest figures available from the National Association of Insurance Commissioners (NAIC). According to the NAIC data, car insurance premiums rose 30% between 2014 and 2018, despite the number of insured vehicles only rising by 7%.</p>\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\">Data from AAA put the average cost of car insurance for new vehicles in 2020 slightly higher, at $1,202 annually. The numbers are fairly close together, suggesting that as you budget for a new car purchase you may need to include $100 or so per month for auto 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\"><strong>Note:</strong> <em>While some things that affect car insurance rates--such as your driving history--are within your control others, costs may also be affected by things like state regulations and state accident rates.</em></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_1-0-13\">How to Save on 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\" id=\"mntl-sc-block_1-0-14\">There are a number of strategies you may use to save on car insurance. Once you know how much is car insurance for you, you can put some or all of these tactics t work.</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_1-0-16\"><strong>1. Take Advantage of Multi-Car Discounts</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 obtain a quote from an auto insurance company to insure a single vehicle, you might end up with&nbsp;a higher quote per vehicle&nbsp;than if you inquired about insuring several drivers or vehicles with that company. Insurance companies will offer what amounts to a bulk rate because they want your business. Under some circumstances they are willing to give you a deal if it means you’ll bring in more of 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_1-0-19\">Ask your insurance agent to see if you qualify. Generally speaking, multiple drivers must live at the same residence and be related by blood or by marriage. Two unrelated people may also be able to obtain a discount; however, they usually must jointly own 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\" id=\"mntl-sc-block_1-0-21\">If one of your drivers is a teen, you can expect to pay more to insure them. However, if your child’s grades are a B average or above or if they rank in the top 20% of the class, you may be able to get a good student discount on the coverage, which generally lasts until your child turns 25. These discounts can range from as little as 1% to as much as 39%, so be sure to show proof to your insurance agent that your teen is a good student.</p>\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\">Incidentally, some companies may also provide an auto insurance discount if you maintain other policies with the firm, such as homeowners insurance. Allstate, for example, offers a 10% car insurance discount and a 25% homeowners insurance discount when you bundle them together, so check to see if such discounts are available and applicable.</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_1-0-25\"><strong>2. Pay Attention on the Road</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_1-0-26\">In other words, be a safe driver. This should go without saying, but in today’s age of increasing in-car distractions, this bears mentioning as much as possible. The more mindful you are, the more accidents or moving violations you’ll be able to avoid—events that raise your insurance rates. Travelers offers safe driver discounts of between 10% and 23%, depending on your driving record.</p>\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_1-0-28\">For those unaware, points are typically assessed to a driver for moving violations, and more points can lead to higher insurance premiums (all else being equal).</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_1-0-30\"><strong>3. Take a Defensive Driving Course</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_1-0-31\">Sometimes insurance companies will provide a discount for those who&nbsp;complete an approved defensive driving course. Drivers may also be able to&nbsp;reduce the number of points they have on their licenses by taking a&nbsp;defensive driving, accident prevention, or other course.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Make sure to ask your agent/insurance company about this discount before you sign up for a class. After all, it’s important that the effort being expended and the cost of the course translate into a big enough insurance savings. It’s also important that the driver sign up for an accredited course. Every state has its own rules about accredited defensive driving courses, and GEICO allows you to check what they are by state on its website.</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_1-0-35\"><strong>4. Shop Around for Better Car Insurance Rates</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_1-0-36\">If your policy is about to renew and the annual premium has gone up markedly, consider shopping around and obtaining quotes from competing companies. Also, every year or two it probably makes sense to obtain quotes from other companies, just in case there is a lower rate out there.</p>\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_1-0-38\">Remember, cheap doesn’t always mean good, and going with the lower-priced company isn’t always the wisest decision. That’s because the insurer’s creditworthiness should also be considered. After all, what good is a policy if the company doesn’t have the wherewithal to pay an insurance claim?</p>\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_1-0-40\">To run a check on a particular insurer, consider checking out a site that rates the financial strength of insurance companies. The financial strength of your insurance company is important, but what your contract covers is also important, so make sure you understand it. Insure.com’s site bases its insurance company ratings on data assembled by Standard and Poor’s.</p>\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>Important:</strong> In general, the fewer miles you drive your car per year, the lower your insurance rate is likely to be, so always ask about a company’s mileage thresholds.</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_1-0-44\"><strong>5. Use Mass Transit</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_1-0-45\">When you sign up for insurance, the company will generally start with a questionnaire. Among the questions it asks might be the number of miles you drive the insured automobile per year.</p>\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_1-0-47\">If you use your vehicle to commute three hours to work every day, you will generally pay more in insurance premiums than someone who only drives one mile a day. If possible, try to use mass transit to rack up fewer miles, keeping in mind that you will usually have to decrease your mileage significantly before incurring a discount. Ask your insurance company about the company’s different mileage thresholds, so your efforts won’t be wasted.</p>\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_1-0-49\">Also, check with your provider to see how many miles they have you currently driving, as most can give you an improved insurance quote.</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_1-0-51\"><strong>6. Downsize Your 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_1-0-52\">Buying a huge SUV may sound exciting, but insuring a 5,000-pound, top-of-the-line vehicle can be more expensive than insuring a small (but safe) lower-cost commuter car. Some insurers will offer a discount if you buy a hybrid or an alternative fuel vehicle. Farmers, for example, offers a 5% 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_1-0-54\">You can feel good about protecting the environment and save money on insurance at the same time. Find out the exact rates to insure the different vehicles you’re considering before making a purchase. </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_1-0-56\"><strong>7. Increase Your Deductibles</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_1-0-57\">When selecting car insurance, you can typically choose a deductible, which is the amount of money you would have to pay before insurance picks up the tab in the event of an accident, theft, or other types of damage to the vehicle. Depending on the policy, deductibles typically range from $250 to $1,000. The catch is that, generally speaking, the lower the deductible, the higher the annual premium.</p>\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_1-0-59\">Conversely, the higher the deductible, the lower the premium. Ask your agent&nbsp;how your premium might be affected if you raised your deductible. It may make the annual premium better by several percentage points and put some money back in your pocket, or&nbsp;the savings may be minimal. If you are reluctant to file smaller claims to avoid the risk of pushing up your premium, raising the deductible may be a particularly sensible move.</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>8. Improve Your Credit Rating</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\">A driver’s record is obviously a big factor in determining auto insurance costs. After all, it makes sense that a driver who has been in a lot of accidents could cost the insurance company a lot of money. However, folks are sometimes surprised to find that insurance companies may also consider credit ratings when determining insurance 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\">Regardless of whether that’s true, be aware that your credit rating can be a factor in figuring insurance premiums, and do your utmost to keep it high.</p>\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>Tip:</strong> Your credit card company or bank may offer free credit score access. You can check credit reports for free at AnnualCreditReport.com.</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_1-0-72\"><strong>9. Consider Location When Estimating Car Insurance Rates</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_1-0-73\">It’s unlikely that you will move to a different state&nbsp;simply because it has lower car insurance rates. However, when planning a move, the potential change in your car insurance rate is something you will want to factor into your budget.</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_1-0-75\"><strong>10. Review Your Coverage</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_1-0-76\">Dropping certain types of coverage can be a slippery slope. After all, nobody can predict if or when an accident will occur. However, if you are driving an extremely old automobile that’s on its last legs, it may make sense (depending on the cost, your driving record, and other factors) to drop collision or comprehensive coverage.</p>\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_1-0-78\">The reason for this is that were the vehicle to be involved in an accident, the insurance company would likely total the car. If the value of the car is only $1,000 and the collision coverage costs $500 per year, it may not make sense to buy it.</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_1-0-80\"><strong>11. Get Discounts for Installing Anti-Theft Devices</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_1-0-81\">Individuals have the potential to lower their annual premiums if they install anti-theft devices. GEICO, for example, offers a “potential savings” of 25% if you have an anti-theft system in your car.</p>\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_1-0-83\">Your&nbsp;insurance company should be able to tell you specifically which devices, when installed, can lower premiums. Car alarms and LoJacks are two types of devices you might want to inquire about.</p>\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_1-0-85\">If your primary motivation for installing an anti-theft device is to lower your insurance premium, consider whether the cost of adding the device will result in a significant enough savings to be worth the trouble and expense.</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_1-0-87\"><strong>12. Speak to Your Agent</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_1-0-88\">It’s important to note that there may be other cost savings to be had in addition to the ones described in this article. In fact, that’s why it often makes sense to ask if there are any special discounts the company offers, such as for military personnel or employees of a certain company. You never know what sort of discount pricing might be available for your circumstances.</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_1-0-90\"><strong>13. Switch to Pay-as-You-Go 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_1-0-91\">If you’re a safe, low-mileage driver, a usage-based insurance program (also known as black box insurance) may be available to you, such as Allstate’s Drivewise, Progressive’s Snapshot, or State Farm’s Drive Safe &amp; Save.</p>\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 href=\"https://www.statefarm.com/customer-care/download-mobile-apps/drive-safe-and-save-mobile?cmpid=ps:google:auto:National%20-%20Brand%20-%20Auto%20-%20BMM:Drive%20Safe%20&amp;%20Save:+drive%20+safe%20+save:Broad:B&amp;ds_rl=1248835&amp;ds_rl=1277222&amp;gclid=CjwKCAiA7t3yBRADEiwA4GFlI8nL9QzD74g-CG82YbQdvKKX4SE07KNBQKV1UVkipOfFIXtUtuQzGhoC_lAQAvD_BwE&amp;gclsrc=aw.ds\" target=\"_blank\" rel=\"noreferrer noopener\"></a>﻿ By signing up for these programs, you let your insurer track your driving through a telemetric device installed in your car in exchange for possible discounts based on how much you drive, when you drive, and how well you drive. If you drive fewer than 10,000 miles a year, you might be able to save money with this type of program.</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_1-0-93\"><strong>14. Research Additional Discounts</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_1-0-94\">Insurers provide a variety of discounts. Check for discounts such as these:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-96\" class=\"has-black-color has-text-color has-large-font-size\"><li>Offers to let you pay the entire annual or six-month premium at once</li><li>Agreements to receive e-bills and documentation</li><li>Memberships in particular organizations or groups that offer discounts</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_1-0-98\">Don’t be swayed by a long list of possible discounts. Compare both discount and regular prices from multiple insurers.</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_1-0-100\"><strong>15. Ditch Coverage You May Not Need </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_1-0-101\">You may not need all the bells and whistles in a policy, such as roadside assistance and car rental coverage. Go over your insurance policy line by line and ask about removing anything you don’t need.</p>\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>Tip: </strong>Check with your credit card company to see if they offer roadside assistance benefits to cardholders, which might allow you to drop this feature from your auto insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-105\">The Bottom Line</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_1-0-106\">The price of auto insurance is likely to continue to rise in the future. However, there are many things you can do to reduce the sting. These 15 tips should get you driving in the right direction.</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/articles/pf/08/car-insurance-costs.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','15 Tips and Ideas for Cutting Car Insurance Costs','','publish','closed','closed','','15-tips-and-ideas-for-cutting-car-insurance-costs','','','2022-12-31 15:07:18','2022-12-31 15:07:18','',0,'http://smartinsurance.tips/?p=2910',0,'post','',0),(2911,1,'2022-12-31 07:29:28','2022-12-31 07:29:28','','Insurance-5','','inherit','closed','closed','','insurance-5-9','','','2022-12-31 07:29:28','2022-12-31 07:29:28','',2910,'http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-5.png',0,'attachment','image/png',0),(2912,1,'2022-12-31 15:07:18','2022-12-31 15:07:18','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t pay more than you have to.</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\":2911,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-5.png\" alt=\"\" class=\"wp-image-2911\"/></figure>\n<!-- /wp:image --><figcaption class=\"blocks-gallery-caption\"><br></figcaption></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\">Car insurance is necessary to protect you financially when behind the wheel. Whether you just have basic liability insurance or you have full auto coverage, it\'s important to ensure that you\'re getting the best deal possible. Wondering how to lower car insurance? Here are 15 strategies for saving on car insurance costs.</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>One of the ways to lower car insurance is through a discount bulk rate for insuring several vehicles and drivers at once.</li><li>Lower car insurance rates may also be available if you have other insurance policies with the same company.</li><li>Maintaining a safe driving record is key to getting lower car insurance rates.</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\">How Much Does Car 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_1-0-5\">Car insurance costs are different for every driver, depending on the state they live in, their choice of insurance company and the type of coverage they have. But when trying to save money on car insurance, it helps to know what the typical driver pays.</p>\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\">On average, the typical person spent $1,190 on car insurance in 2018, based on the latest figures available from the National Association of Insurance Commissioners (NAIC). According to the NAIC data, car insurance premiums rose 30% between 2014 and 2018, despite the number of insured vehicles only rising by 7%.</p>\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\">Data from AAA put the average cost of car insurance for new vehicles in 2020 slightly higher, at $1,202 annually. The numbers are fairly close together, suggesting that as you budget for a new car purchase you may need to include $100 or so per month for auto 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\"><strong>Note:</strong> <em>While some things that affect car insurance rates--such as your driving history--are within your control others, costs may also be affected by things like state regulations and state accident rates.</em></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_1-0-13\">How to Save on 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\" id=\"mntl-sc-block_1-0-14\">There are a number of strategies you may use to save on car insurance. Once you know how much is car insurance for you, you can put some or all of these tactics t work.</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_1-0-16\"><strong>1. Take Advantage of Multi-Car Discounts</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 obtain a quote from an auto insurance company to insure a single vehicle, you might end up with&nbsp;a higher quote per vehicle&nbsp;than if you inquired about insuring several drivers or vehicles with that company. Insurance companies will offer what amounts to a bulk rate because they want your business. Under some circumstances they are willing to give you a deal if it means you’ll bring in more of 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_1-0-19\">Ask your insurance agent to see if you qualify. Generally speaking, multiple drivers must live at the same residence and be related by blood or by marriage. Two unrelated people may also be able to obtain a discount; however, they usually must jointly own 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\" id=\"mntl-sc-block_1-0-21\">If one of your drivers is a teen, you can expect to pay more to insure them. However, if your child’s grades are a B average or above or if they rank in the top 20% of the class, you may be able to get a good student discount on the coverage, which generally lasts until your child turns 25. These discounts can range from as little as 1% to as much as 39%, so be sure to show proof to your insurance agent that your teen is a good student.</p>\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\">Incidentally, some companies may also provide an auto insurance discount if you maintain other policies with the firm, such as homeowners insurance. Allstate, for example, offers a 10% car insurance discount and a 25% homeowners insurance discount when you bundle them together, so check to see if such discounts are available and applicable.</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_1-0-25\"><strong>2. Pay Attention on the Road</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_1-0-26\">In other words, be a safe driver. This should go without saying, but in today’s age of increasing in-car distractions, this bears mentioning as much as possible. The more mindful you are, the more accidents or moving violations you’ll be able to avoid—events that raise your insurance rates. Travelers offers safe driver discounts of between 10% and 23%, depending on your driving record.</p>\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_1-0-28\">For those unaware, points are typically assessed to a driver for moving violations, and more points can lead to higher insurance premiums (all else being equal).</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_1-0-30\"><strong>3. Take a Defensive Driving Course</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_1-0-31\">Sometimes insurance companies will provide a discount for those who&nbsp;complete an approved defensive driving course. Drivers may also be able to&nbsp;reduce the number of points they have on their licenses by taking a&nbsp;defensive driving, accident prevention, or other course.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Make sure to ask your agent/insurance company about this discount before you sign up for a class. After all, it’s important that the effort being expended and the cost of the course translate into a big enough insurance savings. It’s also important that the driver sign up for an accredited course. Every state has its own rules about accredited defensive driving courses, and GEICO allows you to check what they are by state on its website.</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_1-0-35\"><strong>4. Shop Around for Better Car Insurance Rates</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_1-0-36\">If your policy is about to renew and the annual premium has gone up markedly, consider shopping around and obtaining quotes from competing companies. Also, every year or two it probably makes sense to obtain quotes from other companies, just in case there is a lower rate out there.</p>\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_1-0-38\">Remember, cheap doesn’t always mean good, and going with the lower-priced company isn’t always the wisest decision. That’s because the insurer’s creditworthiness should also be considered. After all, what good is a policy if the company doesn’t have the wherewithal to pay an insurance claim?</p>\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_1-0-40\">To run a check on a particular insurer, consider checking out a site that rates the financial strength of insurance companies. The financial strength of your insurance company is important, but what your contract covers is also important, so make sure you understand it. Insure.com’s site bases its insurance company ratings on data assembled by Standard and Poor’s.</p>\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>Important:</strong> In general, the fewer miles you drive your car per year, the lower your insurance rate is likely to be, so always ask about a company’s mileage thresholds.</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_1-0-44\"><strong>5. Use Mass Transit</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_1-0-45\">When you sign up for insurance, the company will generally start with a questionnaire. Among the questions it asks might be the number of miles you drive the insured automobile per year.</p>\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_1-0-47\">If you use your vehicle to commute three hours to work every day, you will generally pay more in insurance premiums than someone who only drives one mile a day. If possible, try to use mass transit to rack up fewer miles, keeping in mind that you will usually have to decrease your mileage significantly before incurring a discount. Ask your insurance company about the company’s different mileage thresholds, so your efforts won’t be wasted.</p>\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_1-0-49\">Also, check with your provider to see how many miles they have you currently driving, as most can give you an improved insurance quote.</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_1-0-51\"><strong>6. Downsize Your 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_1-0-52\">Buying a huge SUV may sound exciting, but insuring a 5,000-pound, top-of-the-line vehicle can be more expensive than insuring a small (but safe) lower-cost commuter car. Some insurers will offer a discount if you buy a hybrid or an alternative fuel vehicle. Farmers, for example, offers a 5% 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_1-0-54\">You can feel good about protecting the environment and save money on insurance at the same time. Find out the exact rates to insure the different vehicles you’re considering before making a purchase. </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_1-0-56\"><strong>7. Increase Your Deductibles</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_1-0-57\">When selecting car insurance, you can typically choose a deductible, which is the amount of money you would have to pay before insurance picks up the tab in the event of an accident, theft, or other types of damage to the vehicle. Depending on the policy, deductibles typically range from $250 to $1,000. The catch is that, generally speaking, the lower the deductible, the higher the annual premium.</p>\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_1-0-59\">Conversely, the higher the deductible, the lower the premium. Ask your agent&nbsp;how your premium might be affected if you raised your deductible. It may make the annual premium better by several percentage points and put some money back in your pocket, or&nbsp;the savings may be minimal. If you are reluctant to file smaller claims to avoid the risk of pushing up your premium, raising the deductible may be a particularly sensible move.</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>8. Improve Your Credit Rating</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\">A driver’s record is obviously a big factor in determining auto insurance costs. After all, it makes sense that a driver who has been in a lot of accidents could cost the insurance company a lot of money. However, folks are sometimes surprised to find that insurance companies may also consider credit ratings when determining insurance 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\">Regardless of whether that’s true, be aware that your credit rating can be a factor in figuring insurance premiums, and do your utmost to keep it high.</p>\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>Tip:</strong> Your credit card company or bank may offer free credit score access. You can check credit reports for free at AnnualCreditReport.com.</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_1-0-72\"><strong>9. Consider Location When Estimating Car Insurance Rates</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_1-0-73\">It’s unlikely that you will move to a different state&nbsp;simply because it has lower car insurance rates. However, when planning a move, the potential change in your car insurance rate is something you will want to factor into your budget.</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_1-0-75\"><strong>10. Review Your Coverage</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_1-0-76\">Dropping certain types of coverage can be a slippery slope. After all, nobody can predict if or when an accident will occur. However, if you are driving an extremely old automobile that’s on its last legs, it may make sense (depending on the cost, your driving record, and other factors) to drop collision or comprehensive coverage.</p>\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_1-0-78\">The reason for this is that were the vehicle to be involved in an accident, the insurance company would likely total the car. If the value of the car is only $1,000 and the collision coverage costs $500 per year, it may not make sense to buy it.</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_1-0-80\"><strong>11. Get Discounts for Installing Anti-Theft Devices</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_1-0-81\">Individuals have the potential to lower their annual premiums if they install anti-theft devices. GEICO, for example, offers a “potential savings” of 25% if you have an anti-theft system in your car.</p>\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_1-0-83\">Your&nbsp;insurance company should be able to tell you specifically which devices, when installed, can lower premiums. Car alarms and LoJacks are two types of devices you might want to inquire about.</p>\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_1-0-85\">If your primary motivation for installing an anti-theft device is to lower your insurance premium, consider whether the cost of adding the device will result in a significant enough savings to be worth the trouble and expense.</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_1-0-87\"><strong>12. Speak to Your Agent</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_1-0-88\">It’s important to note that there may be other cost savings to be had in addition to the ones described in this article. In fact, that’s why it often makes sense to ask if there are any special discounts the company offers, such as for military personnel or employees of a certain company. You never know what sort of discount pricing might be available for your circumstances.</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_1-0-90\"><strong>13. Switch to Pay-as-You-Go 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_1-0-91\">If you’re a safe, low-mileage driver, a usage-based insurance program (also known as black box insurance) may be available to you, such as Allstate’s Drivewise, Progressive’s Snapshot, or State Farm’s Drive Safe &amp; Save.</p>\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 href=\"https://www.statefarm.com/customer-care/download-mobile-apps/drive-safe-and-save-mobile?cmpid=ps:google:auto:National%20-%20Brand%20-%20Auto%20-%20BMM:Drive%20Safe%20&amp;%20Save:+drive%20+safe%20+save:Broad:B&amp;ds_rl=1248835&amp;ds_rl=1277222&amp;gclid=CjwKCAiA7t3yBRADEiwA4GFlI8nL9QzD74g-CG82YbQdvKKX4SE07KNBQKV1UVkipOfFIXtUtuQzGhoC_lAQAvD_BwE&amp;gclsrc=aw.ds\" target=\"_blank\" rel=\"noreferrer noopener\"></a>﻿ By signing up for these programs, you let your insurer track your driving through a telemetric device installed in your car in exchange for possible discounts based on how much you drive, when you drive, and how well you drive. If you drive fewer than 10,000 miles a year, you might be able to save money with this type of program.</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_1-0-93\"><strong>14. Research Additional Discounts</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_1-0-94\">Insurers provide a variety of discounts. Check for discounts such as these:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-96\" class=\"has-black-color has-text-color has-large-font-size\"><li>Offers to let you pay the entire annual or six-month premium at once</li><li>Agreements to receive e-bills and documentation</li><li>Memberships in particular organizations or groups that offer discounts</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_1-0-98\">Don’t be swayed by a long list of possible discounts. Compare both discount and regular prices from multiple insurers.</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_1-0-100\"><strong>15. Ditch Coverage You May Not Need </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_1-0-101\">You may not need all the bells and whistles in a policy, such as roadside assistance and car rental coverage. Go over your insurance policy line by line and ask about removing anything you don’t need.</p>\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>Tip: </strong>Check with your credit card company to see if they offer roadside assistance benefits to cardholders, which might allow you to drop this feature from your auto insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-105\">The Bottom Line</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_1-0-106\">The price of auto insurance is likely to continue to rise in the future. However, there are many things you can do to reduce the sting. These 15 tips should get you driving in the right direction.</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/articles/pf/08/car-insurance-costs.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','15 Tips and Ideas for Cutting Car Insurance Costs','','inherit','closed','closed','','2910-revision-v1','','','2022-12-31 15:07:18','2022-12-31 15:07:18','',2910,'http://smartinsurance.tips/?p=2912',0,'revision','',0),(2913,1,'2022-12-31 17:21:24','2022-12-31 17:21:24','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2914,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-6.png\" alt=\"\" class=\"wp-image-2914\"/></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 get into a car accident, there’s a chance you or your passengers could suffer an injury. Personal injury protection (PIP) can cover injuries to you and your passengers, no matter who caused the accident. Many states require PIP as part of their “no fault auto insurance” laws, which limit your ability to sue for car crash injuries.</p>\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 if you’re not required to buy PIP, it can be part of a good car insurance policy if it’s available where you live.</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 Personal Injury Protection 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\">PIP insurance generally covers:</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>Medical expenses from a car accident.</li><li>Wages lost due to the injuries.</li><li>Rehabilitation costs.</li><li>Replacement services for things you can’t do for yourself or your family, because of the accident, such as house cleaning and child care.</li><li>Funeral expenses and survivor benefits.</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\">A goal of PIP is to provide prompt payment for car accident injuries. Because PIP claims are paid regardless of who caused the accident, there’s no waiting around for a liability lawsuit against someone else to be resolved.</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 Not Covered by Personal Injury Protection?</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\">PIP insurance does not cover:</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>Bodily injuries to the other driver and their passengers</li><li>Injuries in an accident if you are driving for work purposes</li><li>Injuries from an accident while committing a crime</li><li>Damage to someone else’s property</li><li>Damage to your vehicle</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\">Do I Need Personal Injury Protection?</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 states require drivers to have PIP. It is an optional coverage in other states and not available in 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\">In states where PIP is optional, it’s generally a good coverage to have. That’s because PIP can help cover expenses, such as your health insurance deductible, lost wages and replacement services for tasks you cannot perform due to your injuries, such as child care or house cleaning.</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\">Personal Injury Protection Requirements by State</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\">PIP is required in 15 states as part of “no-fault insurance” laws, which generally require you to make smaller injury claims on your own PIP insurance. PIP is an optional coverage in four states and the District of Columbia and not available in other states.</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\"><strong>No-fault states where PIP is required</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\">States that require PIP as part of no-fault car insurance are:</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>Florida</li><li>Hawaii</li><li>Kansas</li><li>Kentucky (offers a choice of no-fault or some ability to sue)</li><li>Massachusetts</li><li>Michigan</li><li>Minnesota</li><li>New Jersey (offers a choice of no-fault or some ability to sue)</li><li>New York</li><li>North Dakota</li><li>Pennsylvania (offers a choice of no-fault or some ability to sue)</li><li>Utah</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Other states where PIP is required</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\">Other states that require PIP:</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>Delaware</li><li>Maryland</li><li>Oregon</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>States where PIP is optional</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\">States where PIP is optional:</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>Arkansas</li><li>Connecticut</li><li>District of Columbia</li><li>Texas</li><li>Washington</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\">Alternatives to PIP</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 your state requires personal injury protection coverage, you have no choice but to buy it. If PIP is optional where you live, you might choose to decline it if you have a good health insurance plan that you’d use for car accident injuries. Still, PIP has some perks that health insurance won’t offer, such as reimbursement for lost wages and payments for services you can’t do, such as house cleaning.</p>\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 PIP doesn’t cover all injury-related expenses if you get into a car accident. For example, if you cause an accident that results in injuries to others, you’ll need to tap the bodily injury portion of your liability car insurance. Liability car insurance also covers your legal costs, settlements and judgments if you are sued because of a car accident.</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/car-insurance/pip-guide/\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Personal Injury Protection (PIP)? Do You Need It?','','publish','closed','closed','','what-is-personal-injury-protection-pip-do-you-need-it','','','2022-12-31 17:21:24','2022-12-31 17:21:24','',0,'http://smartinsurance.tips/?p=2913',0,'post','',0),(2914,1,'2022-12-31 15:08:22','2022-12-31 15:08:22','','Insurance-6','','inherit','closed','closed','','insurance-6-9','','','2022-12-31 15:08:22','2022-12-31 15:08:22','',2913,'http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-6.png',0,'attachment','image/png',0),(2915,1,'2022-12-31 17:21:24','2022-12-31 17:21:24','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2914,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-6.png\" alt=\"\" class=\"wp-image-2914\"/></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 get into a car accident, there’s a chance you or your passengers could suffer an injury. Personal injury protection (PIP) can cover injuries to you and your passengers, no matter who caused the accident. Many states require PIP as part of their “no fault auto insurance” laws, which limit your ability to sue for car crash injuries.</p>\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 if you’re not required to buy PIP, it can be part of a good car insurance policy if it’s available where you live.</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 Personal Injury Protection 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\">PIP insurance generally covers:</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>Medical expenses from a car accident.</li><li>Wages lost due to the injuries.</li><li>Rehabilitation costs.</li><li>Replacement services for things you can’t do for yourself or your family, because of the accident, such as house cleaning and child care.</li><li>Funeral expenses and survivor benefits.</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\">A goal of PIP is to provide prompt payment for car accident injuries. Because PIP claims are paid regardless of who caused the accident, there’s no waiting around for a liability lawsuit against someone else to be resolved.</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 Not Covered by Personal Injury Protection?</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\">PIP insurance does not cover:</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>Bodily injuries to the other driver and their passengers</li><li>Injuries in an accident if you are driving for work purposes</li><li>Injuries from an accident while committing a crime</li><li>Damage to someone else’s property</li><li>Damage to your vehicle</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\">Do I Need Personal Injury Protection?</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 states require drivers to have PIP. It is an optional coverage in other states and not available in 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\">In states where PIP is optional, it’s generally a good coverage to have. That’s because PIP can help cover expenses, such as your health insurance deductible, lost wages and replacement services for tasks you cannot perform due to your injuries, such as child care or house cleaning.</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\">Personal Injury Protection Requirements by State</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\">PIP is required in 15 states as part of “no-fault insurance” laws, which generally require you to make smaller injury claims on your own PIP insurance. PIP is an optional coverage in four states and the District of Columbia and not available in other states.</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\"><strong>No-fault states where PIP is required</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\">States that require PIP as part of no-fault car insurance are:</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>Florida</li><li>Hawaii</li><li>Kansas</li><li>Kentucky (offers a choice of no-fault or some ability to sue)</li><li>Massachusetts</li><li>Michigan</li><li>Minnesota</li><li>New Jersey (offers a choice of no-fault or some ability to sue)</li><li>New York</li><li>North Dakota</li><li>Pennsylvania (offers a choice of no-fault or some ability to sue)</li><li>Utah</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Other states where PIP is required</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\">Other states that require PIP:</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>Delaware</li><li>Maryland</li><li>Oregon</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>States where PIP is optional</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\">States where PIP is optional:</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>Arkansas</li><li>Connecticut</li><li>District of Columbia</li><li>Texas</li><li>Washington</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\">Alternatives to PIP</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 your state requires personal injury protection coverage, you have no choice but to buy it. If PIP is optional where you live, you might choose to decline it if you have a good health insurance plan that you’d use for car accident injuries. Still, PIP has some perks that health insurance won’t offer, such as reimbursement for lost wages and payments for services you can’t do, such as house cleaning.</p>\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 PIP doesn’t cover all injury-related expenses if you get into a car accident. For example, if you cause an accident that results in injuries to others, you’ll need to tap the bodily injury portion of your liability car insurance. Liability car insurance also covers your legal costs, settlements and judgments if you are sued because of a car accident.</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/car-insurance/pip-guide/\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Personal Injury Protection (PIP)? Do You Need It?','','inherit','closed','closed','','2913-revision-v1','','','2022-12-31 17:21:24','2022-12-31 17:21:24','',2913,'http://smartinsurance.tips/?p=2915',0,'revision','',0),(2916,1,'2022-12-31 17:25:40','2022-12-31 17:25:40','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important Coverage for Independent Contractors.</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\":2917,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-7.png\" alt=\"\" class=\"wp-image-2917\"/></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\">One of the types of business insurance coverage independent contractors may need is pollution liability, which protects against liability from damage caused by hazardous waste materials. Independent contractors must protect themselves against any claims of damage caused while on the job.</p>\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\">Businesses that produce hazardous waste emissions during manufacturing—including oil, agribusiness, construction, excavation, waste depositories, and asbestos abatement contractors—benefit from pollution liability coverage. Policies cover bodily injury claims and property damage, along with clean-up costs caused by contamination from toxic waste materials.</p>\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\">Pollution liability insurance policies cover claims from third parties against bodily injury and property damage caused by hazardous waste materials released during a company\'s business operations. This insurance covers you while you are completing a job, and it also covers your completed operations. In other words, if there is a problem with hazardous waste materials after you have finished the job, you are protected from any liability issues.</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>Pollution liability insurance protects against liability from damage caused by hazardous waste materials. </li><li>Pollution liability insurance is needed because it’s excluded from standard commercial general liability policies. </li><li>Business owners that may face hazardous waste exposure and owners of industrial sites should consider pollution liability insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-7\">Why Coverage Is Needed?</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\">Before the mid-1980s, pollution liability was covered under standard commercial general liability policies. However, insurance companies began excluding pollution liability under the general liability policy, making it necessary to purchase separate coverage for pollution liability. If you are an independent contractor, you will find that many jobs require you to have pollution liability insurance and you will have to show proof of coverage before beginning a job. Environmental clean-up projects can cost millions of dollars.</p>\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\">This insurance will protect your financial interests in the event a clean-up becomes necessary. Buying pollution liability insurance will cover your interests against lawsuits where a third party could be injured by a toxic substance produced as a result of your work.</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_1-0-12\">Who Needs 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_1-0-13\">The need for pollution liability insurance is evident for companies whose business involves risks to hazardous waste exposure, such as asbestos abatement or waste depository. If you are the owner of an industrial site not involved in hazardous waste, pollution liability insurance still could be a good protection to have.</p>\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_1-0-15\">Any inspection you had performed on the property before you bought it may have missed some underlying hazardous waste that could be discovered years later, leaving you potentially responsible. Environmental laws are always changing, and you don\'t want to be caught without the proper liability protection.</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_1-0-17\">Where Can You Buy Pollution Liability 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_1-0-18\">Most companies that sell contractors insurance offer pollution liability coverage. Prices vary depending on coverage amount needed, your deductible, and whether the coverage is purchased as a standalone policy or in combination with another commercial policy. A few of the companies that offer pollution liability insurance for contractors include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-20\" class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Chubb:</strong> Chubb offers the Contractors Pollution Liability (CPL) policy and the Contractors Pollution Liability (CPL) / Errors &amp; Omissions (E&amp;O) policy. Programs can be tailored for small business accounts. There is a minimum self-insured retention of $5,000, and the minimum premium ranges from $1,500 to $5,000.</li><li><strong>Travelers:</strong> Travelers offers Environmental &amp; Contractors Professional Practice Insurance. It is a combined professional liability and pollution liability policy designed to protect against liability risks, pollution liability errors and omissions (E&amp;O) coverage.</li><li><strong>AIG:</strong> The Contractors Pollution Liability (CPL) policy from AIG is designed to cover the risks of contractors not covered by the standard general liability insurance policy. This policy includes product liability coverage and pollution coverage and can be written either on a blanket or project-specific basis. Coverage is available to all construction and commercial services contractors with available limits of up to $75 million and a minimum premium of $2,500.</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_1-0-22\">Final Thoughts</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\">Business owners and independent contractors have to make sure their financial interests are adequately covered by a business owner\'s policy. If you think you may have a risk of hazardous waste exposure in your business operations, it is a good idea to consult with an insurance professional about your need for pollution liability insurance. If you have an incident at the job site or for one of your completed operations, it is too late to buy coverage to cover your liability risk. Remember, pollution liability is not covered under a general liability policy. Ultimately, the final determination is up to you. Gather enough information so you can make an informed decision about whether you need pollution liability 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.thebalancemoney.com/do-you-need-pollution-liability-insurance-1969926\">click here.</a></p>\n<!-- /wp:paragraph -->','Do You Need Pollution Liability Insurance?','','publish','closed','closed','','do-you-need-pollution-liability-insurance','','','2022-12-31 17:25:40','2022-12-31 17:25:40','',0,'http://smartinsurance.tips/?p=2916',0,'post','',0),(2917,1,'2022-12-31 17:22:31','2022-12-31 17:22:31','','Insurance-7','','inherit','closed','closed','','insurance-7-9','','','2022-12-31 17:22:31','2022-12-31 17:22:31','',2916,'http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-7.png',0,'attachment','image/png',0),(2918,1,'2022-12-31 17:25:40','2022-12-31 17:25:40','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important Coverage for Independent Contractors.</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\":2917,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-7.png\" alt=\"\" class=\"wp-image-2917\"/></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\">One of the types of business insurance coverage independent contractors may need is pollution liability, which protects against liability from damage caused by hazardous waste materials. Independent contractors must protect themselves against any claims of damage caused while on the job.</p>\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\">Businesses that produce hazardous waste emissions during manufacturing—including oil, agribusiness, construction, excavation, waste depositories, and asbestos abatement contractors—benefit from pollution liability coverage. Policies cover bodily injury claims and property damage, along with clean-up costs caused by contamination from toxic waste materials.</p>\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\">Pollution liability insurance policies cover claims from third parties against bodily injury and property damage caused by hazardous waste materials released during a company\'s business operations. This insurance covers you while you are completing a job, and it also covers your completed operations. In other words, if there is a problem with hazardous waste materials after you have finished the job, you are protected from any liability issues.</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>Pollution liability insurance protects against liability from damage caused by hazardous waste materials. </li><li>Pollution liability insurance is needed because it’s excluded from standard commercial general liability policies. </li><li>Business owners that may face hazardous waste exposure and owners of industrial sites should consider pollution liability insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-7\">Why Coverage Is Needed?</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\">Before the mid-1980s, pollution liability was covered under standard commercial general liability policies. However, insurance companies began excluding pollution liability under the general liability policy, making it necessary to purchase separate coverage for pollution liability. If you are an independent contractor, you will find that many jobs require you to have pollution liability insurance and you will have to show proof of coverage before beginning a job. Environmental clean-up projects can cost millions of dollars.</p>\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\">This insurance will protect your financial interests in the event a clean-up becomes necessary. Buying pollution liability insurance will cover your interests against lawsuits where a third party could be injured by a toxic substance produced as a result of your work.</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_1-0-12\">Who Needs 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_1-0-13\">The need for pollution liability insurance is evident for companies whose business involves risks to hazardous waste exposure, such as asbestos abatement or waste depository. If you are the owner of an industrial site not involved in hazardous waste, pollution liability insurance still could be a good protection to have.</p>\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_1-0-15\">Any inspection you had performed on the property before you bought it may have missed some underlying hazardous waste that could be discovered years later, leaving you potentially responsible. Environmental laws are always changing, and you don\'t want to be caught without the proper liability protection.</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_1-0-17\">Where Can You Buy Pollution Liability 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_1-0-18\">Most companies that sell contractors insurance offer pollution liability coverage. Prices vary depending on coverage amount needed, your deductible, and whether the coverage is purchased as a standalone policy or in combination with another commercial policy. A few of the companies that offer pollution liability insurance for contractors include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-20\" class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Chubb:</strong> Chubb offers the Contractors Pollution Liability (CPL) policy and the Contractors Pollution Liability (CPL) / Errors &amp; Omissions (E&amp;O) policy. Programs can be tailored for small business accounts. There is a minimum self-insured retention of $5,000, and the minimum premium ranges from $1,500 to $5,000.</li><li><strong>Travelers:</strong> Travelers offers Environmental &amp; Contractors Professional Practice Insurance. It is a combined professional liability and pollution liability policy designed to protect against liability risks, pollution liability errors and omissions (E&amp;O) coverage.</li><li><strong>AIG:</strong> The Contractors Pollution Liability (CPL) policy from AIG is designed to cover the risks of contractors not covered by the standard general liability insurance policy. This policy includes product liability coverage and pollution coverage and can be written either on a blanket or project-specific basis. Coverage is available to all construction and commercial services contractors with available limits of up to $75 million and a minimum premium of $2,500.</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_1-0-22\">Final Thoughts</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\">Business owners and independent contractors have to make sure their financial interests are adequately covered by a business owner\'s policy. If you think you may have a risk of hazardous waste exposure in your business operations, it is a good idea to consult with an insurance professional about your need for pollution liability insurance. If you have an incident at the job site or for one of your completed operations, it is too late to buy coverage to cover your liability risk. Remember, pollution liability is not covered under a general liability policy. Ultimately, the final determination is up to you. Gather enough information so you can make an informed decision about whether you need pollution liability 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.thebalancemoney.com/do-you-need-pollution-liability-insurance-1969926\">click here.</a></p>\n<!-- /wp:paragraph -->','Do You Need Pollution Liability Insurance?','','inherit','closed','closed','','2916-revision-v1','','','2022-12-31 17:25:40','2022-12-31 17:25:40','',2916,'http://smartinsurance.tips/?p=2918',0,'revision','',0),(2919,1,'2022-12-31 17:32:23','2022-12-31 17:32:23','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2920,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-8.png\" alt=\"\" class=\"wp-image-2920\"/></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\">DEFINITION: <strong>Contractor insurance</strong> consists of insurance coverage policies that protect contractors from financial losses caused by unexpected events, such as property damage, on-the-job injuries, equipment failure, theft, etc.</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\">Definition and Example of Contractor 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_1-0-1\">Contractor insurance is insurance for contracting businesses, such as builders, electricians, and plumbers, that includes coverages for third-party liability, business property, and contractors equipment.</p>\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\">An example of contractor insurance is contractors equipment insurance, which covers loss or damage to equipment owned by contractors and used in their business, such as backhoes, forklifts, and air compressors. Contractors equipment insurance is also designed to cover property that’s frequently moved from one job site to another.</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 Contractor Insurance Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Contractor insurance safeguards contracting businesses from risks, such as workplace accidents and fires, that can lead to liability claims and property losses. General liability insurance protects contractors from third-party claims, while property insurance covers physical damage to business-owned property. Contractors can buy liability and property coverages separately or combined into a single policy. Many contractors obtain these coverages by purchasing a business owners policy, a package policy designed for small and medium-sized businesses.</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_1-0-8\">Types of Contractor 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_1-0-9\">Contractor insurance includes general liability, commercial property, and contractors equipment coverages. Contracting businesses that use cars or trucks in their businesses may need commercial auto insurance. Those that employ workers may be required by law to purchase workers\' compensation 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=\"mntl-sc-block_1-0-11\"><strong>General Liability 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_1-0-12\">Like all businesses, contractors need general liability insurance to protect themselves from claims or lawsuits by third parties for bodily injury, property damage, or personal and advertising injury. Contractors may be sued by customers, employees of other contractors, or members of the public for injuries that occurred on the contractor’s premises, at a job site, or resulted from their operations. For example, a customer sues a contractor for an injury they sustained at a job site when an employee of the contractor accidentally hit the customer in the head with a piece of lumber.</p>\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\">Some insurers that cater to contractors offer a “contractor’s extension endorsement” that can be added to a general liability or business owners policy for a small additional premium. The endorsements include coverages contractors might want, such as property damage liability for borrowed equipment.</p>\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>Note:</strong> Some contractors may need professional liability insurance to protect them from suits by customers for errors, omissions, or mistakes the contractor might make when giving advice or providing a service. Such suits aren’t covered by general liability 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=\"mntl-sc-block_1-0-17\"><strong>Commercial Property 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_1-0-18\">Many contracting businesses own or rent buildings, office furniture, computers, and other property they use in their operations. If their property is lost, damaged, or stolen, businesses will incur financial loss. Contractors can avoid such losses by purchasing commercial property 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=\"mntl-sc-block_1-0-20\"><strong>Contractors Equipment 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_1-0-21\">Most contracting businesses own tools, machinery, and equipment they use at job sites. Examples are concrete mixers, circular saws, forklifts, and portable generators. Standard commercial property insurance covers property situated at the business premises. It affords little or no coverage for property located someplace else, like a job site unless the business also purchases a rider, which protects them from events that typical policies exclude.</p>\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\">This is why many contractors choose to insure their tools and equipment by purchasing contractors equipment insurance. This coverage is intended to insure moveable property (i.e., items frequently transported from one location to another).</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_1-0-25\"><strong>Commercial Auto 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_1-0-26\">Contractors who use cars or trucks in their businesses need commercial auto insurance since most insurers won’t cover vehicles registered to a business under a personal policy. A commercial auto policy covers third-party claims against a business for bodily injury or property damage caused by an auto accident. It may also include physical damage (comprehensive and collision), uninsured motorist, and non-owned auto coverage, which covers your business when your employees are driving their own vehicle for your company and 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\"><strong>Note:</strong> Auto liability insurance is mandatory in most states. Vehicle owners who fail to buy insurance may be subject to a fine, revocation of their driver’s license, or even jail 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=\"mntl-sc-block_1-0-29\"><strong>Workers\' Compensation</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\">Most businesses that employ workers are required by state law to purchase workers\' compensation insurance. This coverage provides benefits, such as medical treatment and loss of income to workers injured on the job. Benefits are provided whether or not the employer is liable for the injury. While most employers can buy workers\' comp insurance from an insurer, those that operate in Washington, Wyoming, Ohio, or North Dakota must purchase it from a state fund.</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_1-0-2\"><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>Contractor insurance is a group of insurance coverages that protect contractors from financial losses caused by unexpected events such as slip-and-fall accidents, windstorms, equipment damage, and more.</li><li>Contractor insurance includes general liability, commercial property, and contractors equipment coverages. Contractors may need other coverages as well, such as workers\' compensation and commercial auto insurance.</li><li>General liability insurance covers claims filed by third parties for injuries that occur on the contractor’s premises or a job site, or that arise from the company’s operations.</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.thebalancemoney.com/what-is-contractor-insurance-5496828\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Contractor Insurance?','','publish','closed','closed','','what-is-contractor-insurance','','','2022-12-31 17:32:23','2022-12-31 17:32:23','',0,'http://smartinsurance.tips/?p=2919',0,'post','',0),(2920,1,'2022-12-31 17:26:37','2022-12-31 17:26:37','','Insurance-8','','inherit','closed','closed','','insurance-8-8','','','2022-12-31 17:26:37','2022-12-31 17:26:37','',2919,'http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-8.png',0,'attachment','image/png',0),(2921,1,'2022-12-31 17:32:23','2022-12-31 17:32:23','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2920,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-8.png\" alt=\"\" class=\"wp-image-2920\"/></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\">DEFINITION: <strong>Contractor insurance</strong> consists of insurance coverage policies that protect contractors from financial losses caused by unexpected events, such as property damage, on-the-job injuries, equipment failure, theft, etc.</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\">Definition and Example of Contractor 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_1-0-1\">Contractor insurance is insurance for contracting businesses, such as builders, electricians, and plumbers, that includes coverages for third-party liability, business property, and contractors equipment.</p>\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\">An example of contractor insurance is contractors equipment insurance, which covers loss or damage to equipment owned by contractors and used in their business, such as backhoes, forklifts, and air compressors. Contractors equipment insurance is also designed to cover property that’s frequently moved from one job site to another.</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 Contractor Insurance Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Contractor insurance safeguards contracting businesses from risks, such as workplace accidents and fires, that can lead to liability claims and property losses. General liability insurance protects contractors from third-party claims, while property insurance covers physical damage to business-owned property. Contractors can buy liability and property coverages separately or combined into a single policy. Many contractors obtain these coverages by purchasing a business owners policy, a package policy designed for small and medium-sized businesses.</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_1-0-8\">Types of Contractor 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_1-0-9\">Contractor insurance includes general liability, commercial property, and contractors equipment coverages. Contracting businesses that use cars or trucks in their businesses may need commercial auto insurance. Those that employ workers may be required by law to purchase workers\' compensation 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=\"mntl-sc-block_1-0-11\"><strong>General Liability 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_1-0-12\">Like all businesses, contractors need general liability insurance to protect themselves from claims or lawsuits by third parties for bodily injury, property damage, or personal and advertising injury. Contractors may be sued by customers, employees of other contractors, or members of the public for injuries that occurred on the contractor’s premises, at a job site, or resulted from their operations. For example, a customer sues a contractor for an injury they sustained at a job site when an employee of the contractor accidentally hit the customer in the head with a piece of lumber.</p>\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\">Some insurers that cater to contractors offer a “contractor’s extension endorsement” that can be added to a general liability or business owners policy for a small additional premium. The endorsements include coverages contractors might want, such as property damage liability for borrowed equipment.</p>\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>Note:</strong> Some contractors may need professional liability insurance to protect them from suits by customers for errors, omissions, or mistakes the contractor might make when giving advice or providing a service. Such suits aren’t covered by general liability 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=\"mntl-sc-block_1-0-17\"><strong>Commercial Property 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_1-0-18\">Many contracting businesses own or rent buildings, office furniture, computers, and other property they use in their operations. If their property is lost, damaged, or stolen, businesses will incur financial loss. Contractors can avoid such losses by purchasing commercial property 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=\"mntl-sc-block_1-0-20\"><strong>Contractors Equipment 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_1-0-21\">Most contracting businesses own tools, machinery, and equipment they use at job sites. Examples are concrete mixers, circular saws, forklifts, and portable generators. Standard commercial property insurance covers property situated at the business premises. It affords little or no coverage for property located someplace else, like a job site unless the business also purchases a rider, which protects them from events that typical policies exclude.</p>\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\">This is why many contractors choose to insure their tools and equipment by purchasing contractors equipment insurance. This coverage is intended to insure moveable property (i.e., items frequently transported from one location to another).</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_1-0-25\"><strong>Commercial Auto 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_1-0-26\">Contractors who use cars or trucks in their businesses need commercial auto insurance since most insurers won’t cover vehicles registered to a business under a personal policy. A commercial auto policy covers third-party claims against a business for bodily injury or property damage caused by an auto accident. It may also include physical damage (comprehensive and collision), uninsured motorist, and non-owned auto coverage, which covers your business when your employees are driving their own vehicle for your company and 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\"><strong>Note:</strong> Auto liability insurance is mandatory in most states. Vehicle owners who fail to buy insurance may be subject to a fine, revocation of their driver’s license, or even jail 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=\"mntl-sc-block_1-0-29\"><strong>Workers\' Compensation</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\">Most businesses that employ workers are required by state law to purchase workers\' compensation insurance. This coverage provides benefits, such as medical treatment and loss of income to workers injured on the job. Benefits are provided whether or not the employer is liable for the injury. While most employers can buy workers\' comp insurance from an insurer, those that operate in Washington, Wyoming, Ohio, or North Dakota must purchase it from a state fund.</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_1-0-2\"><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>Contractor insurance is a group of insurance coverages that protect contractors from financial losses caused by unexpected events such as slip-and-fall accidents, windstorms, equipment damage, and more.</li><li>Contractor insurance includes general liability, commercial property, and contractors equipment coverages. Contractors may need other coverages as well, such as workers\' compensation and commercial auto insurance.</li><li>General liability insurance covers claims filed by third parties for injuries that occur on the contractor’s premises or a job site, or that arise from the company’s operations.</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.thebalancemoney.com/what-is-contractor-insurance-5496828\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Contractor Insurance?','','inherit','closed','closed','','2919-revision-v1','','','2022-12-31 17:32:23','2022-12-31 17:32:23','',2919,'http://smartinsurance.tips/?p=2921',0,'revision','',0),(2922,1,'2022-12-31 17:37:00','2022-12-31 17:37:00','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2923,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-9.png\" alt=\"\" class=\"wp-image-2923\"/></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\">After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here\'s what you need to know about claims payments.</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\">The initial payment isn\'t final</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 most instances, an adjuster will inspect the damage to your home and offer you a certain sum of money for repairs, based on the terms and limits of your homeowners policy. The first check you get from your insurance company is often an advance against the total settlement amount, not the final payment.</p>\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 offered an on-the-spot settlement, you can accept the check right away. Later, if you find other damage, you can reopen the claim and file for an additional amount. Most policies require claims to be filed within one year from the date of disaster; check with your state insurance department for the laws that apply to your area.</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\">You may receive multiple checks</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 both the structure of your home and your personal belongings are damaged, you generally receive two separate checks from your insurance company, one for each category of damage. If your home is uninhabitable, you\'ll also receive a check for the additional living expenses (ALE) you incur if you can’t live in your home while it is being repaired. If you have flood insurance and experienced flood damage, that means a separate check as well.</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\">Your lender or management company might have control over your payment</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 have a mortgage on your house, the check for repairs will generally be made out to both you and the mortgage lender. As a condition of granting a mortgage, lenders usually require that they are named in the homeowners policy and that they are a party to any insurance payments related to the structure. Similarly, if you live in a coop or condominium, your management company may have required that the building\'s financial entity be named as a co-insured.</p>\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 is so the lender (and/or, in the case of a coop or condo, the overall building), who has a financial interest in your property, can ensure that the necessary repairs are made.</p>\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 a financial backer is a co-insured, they will have to endorse the claims payment check before you can cash 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\">Depending on the circumstances, lenders may also put the money in an escrow account and pay for the repairs as the work is completed. Show the mortgage lender your contractor\'s bid and let the lender know how much the contractor wants upfront to start the job. Your mortgage company may want to inspect the finished job before releasing the funds for payment to the contractor.</p>\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 home has been destroyed, the amount of the settlement and who gets it is driven by your policy type, its specific limits and the terms of your mortgage. For example, part of the insurance proceeds may be used to pay off the balance due on the mortgage. And, how the remaining proceeds are spent depend on your own decisions, such as if you want to rebuild on the same lot, in a different location or not rebuild at all. These decisions are also driven by state law.</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\">Your insurance company may pay your contractor directly</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 contractors may ask you to sign a \"direction to pay\" form that allows your insurance company to pay the firm directly. This form is a legal document, so you should read it carefully to be sure you are not also assigning your entire claim over to the contractor. When in doubt, call your insurance professional before you sign. Assigning your entire insurance claim to a third party takes you out of the process and gives control of your claim to the contractor.</p>\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 work is completed to restore your property, make certain the job has been completed to your satisfaction before you let your insurer make the final payment to the contractor.</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\">Your ALE check should be made out to you</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 check for additional living expenses (ALE) has nothing to do with repairs to your home. So, ensure that this check is made out to you alone and not your lender. The ALE check covers your expenses for hotels, car rental, meals out and other expenses you may incur while your home is being fixed.</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\">Your personal belongings will be calculated on cash value, first</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\'ll have to submit a list of your damaged belongings to your insurance company (having a home inventory will make this a lot easier). Even if you have a replacement value policy, the first check you receive from your insurer will be based on the cash value of the items, which is the depreciated amount based on the age of the item. Why do insurance companies do this? It is to match the remaining claim payment to the exact replacement cost. If you decide not to replace an item, you’ll be paid the actual cash value (depreciated) amount for 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\">To get replacement value for your items, you must actually replace them</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 get fully reimbursed for damaged items, most insurance companies will require you to purchase replacements. Your company will ask for copies of receipts as proof of purchase, then pay the difference between the cash value you initially received and the full cost of the replacement with an item of similar size and quality. You\'ll generally have several months from the date of the cash value payment to purchase replacements; consult with your agent regarding the timeframe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the case of a total loss, where the entire house and its contents are damaged beyond repair, insurers generally pay the policy limits, according to the laws in your state. That means you can receive a check for what the home and contents were insured for at the time of the disaster.</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/understanding-the-insurance-claims-payment-process\">click here.</a></p>\n<!-- /wp:paragraph -->','Understanding the Insurance Claims Payment Process','','publish','closed','closed','','understanding-the-insurance-claims-payment-process','','','2022-12-31 17:37:00','2022-12-31 17:37:00','',0,'http://smartinsurance.tips/?p=2922',0,'post','',0),(2923,1,'2022-12-31 17:33:36','2022-12-31 17:33:36','','Insurance-9','','inherit','closed','closed','','insurance-9-7','','','2022-12-31 17:33:36','2022-12-31 17:33:36','',2922,'http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-9.png',0,'attachment','image/png',0),(2924,1,'2022-12-31 17:37:00','2022-12-31 17:37:00','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2923,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-9.png\" alt=\"\" class=\"wp-image-2923\"/></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\">After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here\'s what you need to know about claims payments.</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\">The initial payment isn\'t final</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 most instances, an adjuster will inspect the damage to your home and offer you a certain sum of money for repairs, based on the terms and limits of your homeowners policy. The first check you get from your insurance company is often an advance against the total settlement amount, not the final payment.</p>\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 offered an on-the-spot settlement, you can accept the check right away. Later, if you find other damage, you can reopen the claim and file for an additional amount. Most policies require claims to be filed within one year from the date of disaster; check with your state insurance department for the laws that apply to your area.</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\">You may receive multiple checks</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 both the structure of your home and your personal belongings are damaged, you generally receive two separate checks from your insurance company, one for each category of damage. If your home is uninhabitable, you\'ll also receive a check for the additional living expenses (ALE) you incur if you can’t live in your home while it is being repaired. If you have flood insurance and experienced flood damage, that means a separate check as well.</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\">Your lender or management company might have control over your payment</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 have a mortgage on your house, the check for repairs will generally be made out to both you and the mortgage lender. As a condition of granting a mortgage, lenders usually require that they are named in the homeowners policy and that they are a party to any insurance payments related to the structure. Similarly, if you live in a coop or condominium, your management company may have required that the building\'s financial entity be named as a co-insured.</p>\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 is so the lender (and/or, in the case of a coop or condo, the overall building), who has a financial interest in your property, can ensure that the necessary repairs are made.</p>\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 a financial backer is a co-insured, they will have to endorse the claims payment check before you can cash 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\">Depending on the circumstances, lenders may also put the money in an escrow account and pay for the repairs as the work is completed. Show the mortgage lender your contractor\'s bid and let the lender know how much the contractor wants upfront to start the job. Your mortgage company may want to inspect the finished job before releasing the funds for payment to the contractor.</p>\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 home has been destroyed, the amount of the settlement and who gets it is driven by your policy type, its specific limits and the terms of your mortgage. For example, part of the insurance proceeds may be used to pay off the balance due on the mortgage. And, how the remaining proceeds are spent depend on your own decisions, such as if you want to rebuild on the same lot, in a different location or not rebuild at all. These decisions are also driven by state law.</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\">Your insurance company may pay your contractor directly</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 contractors may ask you to sign a \"direction to pay\" form that allows your insurance company to pay the firm directly. This form is a legal document, so you should read it carefully to be sure you are not also assigning your entire claim over to the contractor. When in doubt, call your insurance professional before you sign. Assigning your entire insurance claim to a third party takes you out of the process and gives control of your claim to the contractor.</p>\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 work is completed to restore your property, make certain the job has been completed to your satisfaction before you let your insurer make the final payment to the contractor.</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\">Your ALE check should be made out to you</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 check for additional living expenses (ALE) has nothing to do with repairs to your home. So, ensure that this check is made out to you alone and not your lender. The ALE check covers your expenses for hotels, car rental, meals out and other expenses you may incur while your home is being fixed.</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\">Your personal belongings will be calculated on cash value, first</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\'ll have to submit a list of your damaged belongings to your insurance company (having a home inventory will make this a lot easier). Even if you have a replacement value policy, the first check you receive from your insurer will be based on the cash value of the items, which is the depreciated amount based on the age of the item. Why do insurance companies do this? It is to match the remaining claim payment to the exact replacement cost. If you decide not to replace an item, you’ll be paid the actual cash value (depreciated) amount for 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\">To get replacement value for your items, you must actually replace them</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 get fully reimbursed for damaged items, most insurance companies will require you to purchase replacements. Your company will ask for copies of receipts as proof of purchase, then pay the difference between the cash value you initially received and the full cost of the replacement with an item of similar size and quality. You\'ll generally have several months from the date of the cash value payment to purchase replacements; consult with your agent regarding the timeframe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the case of a total loss, where the entire house and its contents are damaged beyond repair, insurers generally pay the policy limits, according to the laws in your state. That means you can receive a check for what the home and contents were insured for at the time of the disaster.</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/understanding-the-insurance-claims-payment-process\">click here.</a></p>\n<!-- /wp:paragraph -->','Understanding the Insurance Claims Payment Process','','inherit','closed','closed','','2922-revision-v1','','','2022-12-31 17:37:00','2022-12-31 17:37:00','',2922,'http://smartinsurance.tips/?p=2924',0,'revision','',0),(2925,1,'2022-12-31 17:46:05','2022-12-31 17:46:05','<!-- wp:paragraph -->\n<p>A Liability Policy Does Not Guarantee the Quality of Your Work.</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\":2926,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-10.png\" alt=\"\" class=\"wp-image-2926\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p></p>\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\">Contractors can be sued by customers who allege they performed faulty work. Unfortunately, many faulty work claims aren\'t covered by a standard<a href=\"https://www.thebalancemoney.com/introduction-to-the-general-liability-policy-462586\">&nbsp;</a>general liability policy. If you are a contractor, you should understand what types of claims are likely to be covered by your liability insurance and which are not.</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>Faulty work claims occur when a customer alleges that the contractor did a poor job, their work didn’t meet industry standards, or did not perform the quality or kind of stated in the contract.</li><li>A faulty work claim will be covered under your liability policy only if no exclusions apply and the claim alleges bodily injury or property damage. Also, the injury or damage must result from an occurrence or accident. </li><li>Contractors can protect themselves from claims based on mistakes, negligence, errors, and omissions by buying contractors errors and omissions insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-3\">Basis of Faulty Work Claims</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_1-0-4\">Faulty work claims generally derive from complaints about the way a job was done. A plaintiff may allege that the contractor performed the work incorrectly, or that the contractor used inferior materials, the wrong tools, or incorrect machinery. Alternatively, the plaintiff may claim that the work doesn\'t meet industry standards or the quality warranted in the contract. Some claims allege the contractor completed the work but failed to provide adequate instructions or warnings.</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\">Example</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\">Pete owns Primo Painting, a commercial painting business. Pete\'s company has been hired by Ready Realty to paint the interior of an apartment building Ready owns. Pete has signed a contract stating that the apartment walls will be painted a satin finish paint called Snow White. Several of Pete\'s employees complete the painting work.</p>\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\">One month after the work has been completed, Ready Realty sends Primo Painting a letter stating that Primo’s painting work doesn’t meet the requirements stated in the contract. The letter contends that Primo\'s employees used a cheap brand of flat paint rather than the high-end satin paint called for in the contract. They also used the wrong color paint (gray instead of white) and left visible roller marks on the walls.</p>\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\">When Pete fails to respond to the realty company\'s complaint, Ready Realty hires another painting contractor to repaint the apartments. It then sues Primo Painting for breach of contract, citing poor workmanship. The painting company is insured for liability under a standard general liability policy. Pete forwards the lawsuit to his liability insurer, which quickly denies coverage. Pete is stunned. Why isn\'t the claim covered?</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_1-0-13\">Requirements for 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_1-0-14\">For a faulty work claim to be covered under a general liability policy, several requirements must be satisfied.</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_1-0-16\"><strong>Bodily Injury or Property Damage</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\">First, the claim must seek damages for bodily injury or property damage that takes place during the policy period and in the coverage territory. In the Primo Painting example outlined above, Ready Realty\'s suit cites breach of contract based on poor workmanship. Because the claim doesn\'t mention any bodily injury or property damage, it isn\'t 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=\"mntl-sc-block_1-0-19\"><strong>An Occurrence</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\">Secondly, the alleged bodily injury or property damage must be caused by an occurrence. Ready Realty\'s lawsuit contends that Primo Painting failed to fulfill the terms of its contract. Primo\'s failure to do what it promised to do is not an accident. As no occurrence has taken place, the suit isn\'t covered under Primo\'s liability policy. Lawsuits based <em>only </em>on a breach of contract (with no bodily injury or property damage) aren\'t normally covered under general liability policies.</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\">No Exclusions Apply</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\"><strong>No Exclusions Apply</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\" id=\"mntl-sc-block_1-0-25\">Thirdly, a claim will be covered only if no exclusions apply. A general liability policy contains several exclusions that eliminate coverage for suits arising from your faulty work. These exclusions are complex, and courts don\'t anyways interpret them in a consistent manner. Here are some basic concepts to keep in mind. These are general rules that may not apply in some circumstances.</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><strong>If your work is faulty, your policy won\'t cover the cost of redoing it.</strong>&nbsp;In the example outlined above, suppose that Ready Realty sues Primo Painting for the cost of hiring another contractor to redo Primo Painting\'s faulty work. Primo\'s liability policy won\'t cover that cost.</li><li><strong>If you are working on part of a building and accidentally cause damage to the specific part you are working on, your policy won\'t cover that damage.</strong>&nbsp;For example, you are an electrical contractor and have been hired by a property owner to install a new electrical panel. While working on the panel you accidentally start a fire and the panel is destroyed. If the property owner demands compensation for the damage to the panel, your insurer won\'t cover the loss.</li><li><strong>If work you have completed sustains property damage, your policy won\'t cover that damage.</strong>&nbsp;For example, suppose you operate a masonry business and have been hired by a homeowner to install a brick wall. Because you used the wrong type of mortar, the brick wall collapses after it is completed. If the homeowner demands that you redo the wall (or pay the cost of hiring another contractor), the claim will not be covered by your liability policy.</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_1-0-29\">Claims Your Policy Won’t 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_1-0-30\">The exclusions that may apply to faulty workmanship claims are complex and courts don\'t anyways interpret them in a consistent manner. While exceptions may apply, policies generally exclude the cost of redoing faulty work, damage to property you\'re working on, and damage to work you\'ve completed.</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_1-0-32\">Cost of Redoing Faulty Work</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 your work is faulty, your policy won\'t cover claims demanding you repair or replace it. In the example outlined above, suppose that Ready Realty sues Primo Painting for the cost of hiring another contractor to redo Primo Painting\'s faulty work. Primo\'s liability policy won\'t cover that cost.</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_1-0-35\">Damage To Property You’re Working On</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_1-0-36\">If you are working on part of a building and accidentally cause damage to the specific part you are working on, your policy won\'t cover that damage. For example, you are an electrical contractor and have been hired by a property owner to install a new electrical panel. While working on the panel you accidentally start a fire and the panel is destroyed. If the property owner demands compensation for the damage to the panel, your insurer won\'t cover the loss.</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_1-0-38\">Damage To Work You’ve Completed</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_1-0-39\">If work you have completed sustains property damage, your policy won\'t cover that damage. For example, suppose you operate a masonry business and have been hired by a homeowner to install a brick wall. Because you used the wrong type of mortar, the brick wall collapses after it is completed. If the homeowner demands that you redo the wall or pay the cost of hiring another contractor, the claim won’t be covered by your liability 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_1-0-41\">Contractors can protect themselves from faulty work claims by eliminating any coverage gaps in their liability insurance, clarifying their duties under contracts, practicing good quality control, and promptly notifying their insurer of any claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-43\">Claims Covered by Exceptions</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\">The exclusions described above have some exceptions. That means there are situations in which the exclusions do not apply and you would still be able to get coverage. First, policies generally cover claims alleging that your faulty work caused bodily injury to a third party or damaged property <em>other than</em> your work. For instance, in the electrical panel scenario outlined previously, suppose the fire spreads from the panel to an adjacent wall. If the property owner sues you for damage to the wall, the claim should be covered. You have negligently caused damage to property other than the specific part you were working 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\" id=\"mntl-sc-block_1-0-46\">Damage to work you have completed may be covered if the damaged work was performed on your behalf by a subcontractor. For example, suppose you operate a masonry business and have been hired by a property owner to do extensive brickwork. You hire a subcontractor to construct a brick wall but do all of the remaining work yourself. The subcontractor performs shoddy work, the wall collapses, and the property owner sues you for property damage. Because the wall was not your work, the property damage claim may be covered. </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_1-0-48\">Contractors Errors and Omissions 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_1-0-49\">Finally, contractors can obtain coverage for some faulty work claims by purchasing errors and omissions coverage. It covers claims based on negligence, mistakes, poor design, use of defective materials, and other errors or omissions you’ve made.</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_1-0-51\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What is the definition of faulty workmanship?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Generally, work is considered faulty when it doesn’t meet a required standard, such as a building code or the specifications stated in the contract. Standards may be specific or implied based on what’s normal for the industry or to meet minimum building standards. What constitutes a defect is subjective, and the contractor and the customer may disagree on whether the work is faulty.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What does liability insurance not cover?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance doesn’t cover the cost of redoing faulty work or the cost of repairing or replacing the part of property you’re working on when the accident occurs. Liability insurance also excludes the cost of repairing or replacing work you have already completed unless the work was performed by a subcontractor you hired.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What type of insurance covers someone\'s negligence in performing work?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance covers a contractor’s negligence in performing work if their negligence causes an accident that injures someone else. It also covers damage they cause to someone else’s property if the damaged property isn’t the contractor’s finished work or isn’t being worked on by the contractor. Contractors errors and omissions insurance protects contractors from claims based on errors in design, faulty workmanship, or the use of defective materials that cause damage to the contractors’ work.</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.thebalancemoney.com/claims-for-faulty-work-are-they-covered-462608\">click here.</a></p>\n<!-- /wp:paragraph -->','Claims for Faulty Work - Are They Covered?','','publish','closed','closed','','claims-for-faulty-work-are-they-covered','','','2022-12-31 17:46:05','2022-12-31 17:46:05','',0,'http://smartinsurance.tips/?p=2925',0,'post','',0),(2926,1,'2022-12-31 17:41:25','2022-12-31 17:41:25','','Insurance-10','','inherit','closed','closed','','insurance-10-8','','','2022-12-31 17:41:25','2022-12-31 17:41:25','',2925,'http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-10.png',0,'attachment','image/png',0),(2927,1,'2022-12-31 17:46:05','2022-12-31 17:46:05','<!-- wp:paragraph -->\n<p>A Liability Policy Does Not Guarantee the Quality of Your Work.</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\":2926,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Insurance-10.png\" alt=\"\" class=\"wp-image-2926\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p></p>\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\">Contractors can be sued by customers who allege they performed faulty work. Unfortunately, many faulty work claims aren\'t covered by a standard<a href=\"https://www.thebalancemoney.com/introduction-to-the-general-liability-policy-462586\">&nbsp;</a>general liability policy. If you are a contractor, you should understand what types of claims are likely to be covered by your liability insurance and which are not.</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>Faulty work claims occur when a customer alleges that the contractor did a poor job, their work didn’t meet industry standards, or did not perform the quality or kind of stated in the contract.</li><li>A faulty work claim will be covered under your liability policy only if no exclusions apply and the claim alleges bodily injury or property damage. Also, the injury or damage must result from an occurrence or accident. </li><li>Contractors can protect themselves from claims based on mistakes, negligence, errors, and omissions by buying contractors errors and omissions insurance.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-3\">Basis of Faulty Work Claims</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_1-0-4\">Faulty work claims generally derive from complaints about the way a job was done. A plaintiff may allege that the contractor performed the work incorrectly, or that the contractor used inferior materials, the wrong tools, or incorrect machinery. Alternatively, the plaintiff may claim that the work doesn\'t meet industry standards or the quality warranted in the contract. Some claims allege the contractor completed the work but failed to provide adequate instructions or warnings.</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\">Example</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\">Pete owns Primo Painting, a commercial painting business. Pete\'s company has been hired by Ready Realty to paint the interior of an apartment building Ready owns. Pete has signed a contract stating that the apartment walls will be painted a satin finish paint called Snow White. Several of Pete\'s employees complete the painting work.</p>\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\">One month after the work has been completed, Ready Realty sends Primo Painting a letter stating that Primo’s painting work doesn’t meet the requirements stated in the contract. The letter contends that Primo\'s employees used a cheap brand of flat paint rather than the high-end satin paint called for in the contract. They also used the wrong color paint (gray instead of white) and left visible roller marks on the walls.</p>\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\">When Pete fails to respond to the realty company\'s complaint, Ready Realty hires another painting contractor to repaint the apartments. It then sues Primo Painting for breach of contract, citing poor workmanship. The painting company is insured for liability under a standard general liability policy. Pete forwards the lawsuit to his liability insurer, which quickly denies coverage. Pete is stunned. Why isn\'t the claim covered?</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_1-0-13\">Requirements for 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_1-0-14\">For a faulty work claim to be covered under a general liability policy, several requirements must be satisfied.</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_1-0-16\"><strong>Bodily Injury or Property Damage</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\">First, the claim must seek damages for bodily injury or property damage that takes place during the policy period and in the coverage territory. In the Primo Painting example outlined above, Ready Realty\'s suit cites breach of contract based on poor workmanship. Because the claim doesn\'t mention any bodily injury or property damage, it isn\'t 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=\"mntl-sc-block_1-0-19\"><strong>An Occurrence</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\">Secondly, the alleged bodily injury or property damage must be caused by an occurrence. Ready Realty\'s lawsuit contends that Primo Painting failed to fulfill the terms of its contract. Primo\'s failure to do what it promised to do is not an accident. As no occurrence has taken place, the suit isn\'t covered under Primo\'s liability policy. Lawsuits based <em>only </em>on a breach of contract (with no bodily injury or property damage) aren\'t normally covered under general liability policies.</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\">No Exclusions Apply</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\"><strong>No Exclusions Apply</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\" id=\"mntl-sc-block_1-0-25\">Thirdly, a claim will be covered only if no exclusions apply. A general liability policy contains several exclusions that eliminate coverage for suits arising from your faulty work. These exclusions are complex, and courts don\'t anyways interpret them in a consistent manner. Here are some basic concepts to keep in mind. These are general rules that may not apply in some circumstances.</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><strong>If your work is faulty, your policy won\'t cover the cost of redoing it.</strong>&nbsp;In the example outlined above, suppose that Ready Realty sues Primo Painting for the cost of hiring another contractor to redo Primo Painting\'s faulty work. Primo\'s liability policy won\'t cover that cost.</li><li><strong>If you are working on part of a building and accidentally cause damage to the specific part you are working on, your policy won\'t cover that damage.</strong>&nbsp;For example, you are an electrical contractor and have been hired by a property owner to install a new electrical panel. While working on the panel you accidentally start a fire and the panel is destroyed. If the property owner demands compensation for the damage to the panel, your insurer won\'t cover the loss.</li><li><strong>If work you have completed sustains property damage, your policy won\'t cover that damage.</strong>&nbsp;For example, suppose you operate a masonry business and have been hired by a homeowner to install a brick wall. Because you used the wrong type of mortar, the brick wall collapses after it is completed. If the homeowner demands that you redo the wall (or pay the cost of hiring another contractor), the claim will not be covered by your liability policy.</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_1-0-29\">Claims Your Policy Won’t 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_1-0-30\">The exclusions that may apply to faulty workmanship claims are complex and courts don\'t anyways interpret them in a consistent manner. While exceptions may apply, policies generally exclude the cost of redoing faulty work, damage to property you\'re working on, and damage to work you\'ve completed.</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_1-0-32\">Cost of Redoing Faulty Work</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 your work is faulty, your policy won\'t cover claims demanding you repair or replace it. In the example outlined above, suppose that Ready Realty sues Primo Painting for the cost of hiring another contractor to redo Primo Painting\'s faulty work. Primo\'s liability policy won\'t cover that cost.</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_1-0-35\">Damage To Property You’re Working On</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_1-0-36\">If you are working on part of a building and accidentally cause damage to the specific part you are working on, your policy won\'t cover that damage. For example, you are an electrical contractor and have been hired by a property owner to install a new electrical panel. While working on the panel you accidentally start a fire and the panel is destroyed. If the property owner demands compensation for the damage to the panel, your insurer won\'t cover the loss.</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_1-0-38\">Damage To Work You’ve Completed</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_1-0-39\">If work you have completed sustains property damage, your policy won\'t cover that damage. For example, suppose you operate a masonry business and have been hired by a homeowner to install a brick wall. Because you used the wrong type of mortar, the brick wall collapses after it is completed. If the homeowner demands that you redo the wall or pay the cost of hiring another contractor, the claim won’t be covered by your liability 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_1-0-41\">Contractors can protect themselves from faulty work claims by eliminating any coverage gaps in their liability insurance, clarifying their duties under contracts, practicing good quality control, and promptly notifying their insurer of any claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-43\">Claims Covered by Exceptions</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\">The exclusions described above have some exceptions. That means there are situations in which the exclusions do not apply and you would still be able to get coverage. First, policies generally cover claims alleging that your faulty work caused bodily injury to a third party or damaged property <em>other than</em> your work. For instance, in the electrical panel scenario outlined previously, suppose the fire spreads from the panel to an adjacent wall. If the property owner sues you for damage to the wall, the claim should be covered. You have negligently caused damage to property other than the specific part you were working 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\" id=\"mntl-sc-block_1-0-46\">Damage to work you have completed may be covered if the damaged work was performed on your behalf by a subcontractor. For example, suppose you operate a masonry business and have been hired by a property owner to do extensive brickwork. You hire a subcontractor to construct a brick wall but do all of the remaining work yourself. The subcontractor performs shoddy work, the wall collapses, and the property owner sues you for property damage. Because the wall was not your work, the property damage claim may be covered. </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_1-0-48\">Contractors Errors and Omissions 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_1-0-49\">Finally, contractors can obtain coverage for some faulty work claims by purchasing errors and omissions coverage. It covers claims based on negligence, mistakes, poor design, use of defective materials, and other errors or omissions you’ve made.</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_1-0-51\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What is the definition of faulty workmanship?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Generally, work is considered faulty when it doesn’t meet a required standard, such as a building code or the specifications stated in the contract. Standards may be specific or implied based on what’s normal for the industry or to meet minimum building standards. What constitutes a defect is subjective, and the contractor and the customer may disagree on whether the work is faulty.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What does liability insurance not cover?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance doesn’t cover the cost of redoing faulty work or the cost of repairing or replacing the part of property you’re working on when the accident occurs. Liability insurance also excludes the cost of repairing or replacing work you have already completed unless the work was performed by a subcontractor you hired.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h2 class=\"has-black-color has-text-color has-large-font-size\"><strong>What type of insurance covers someone\'s negligence in performing work?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance covers a contractor’s negligence in performing work if their negligence causes an accident that injures someone else. It also covers damage they cause to someone else’s property if the damaged property isn’t the contractor’s finished work or isn’t being worked on by the contractor. Contractors errors and omissions insurance protects contractors from claims based on errors in design, faulty workmanship, or the use of defective materials that cause damage to the contractors’ work.</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.thebalancemoney.com/claims-for-faulty-work-are-they-covered-462608\">click here.</a></p>\n<!-- /wp:paragraph -->','Claims for Faulty Work - Are They Covered?','','inherit','closed','closed','','2925-revision-v1','','','2022-12-31 17:46:05','2022-12-31 17:46:05','',2925,'http://smartinsurance.tips/?p=2927',0,'revision','',0),(2928,1,'2022-12-31 17:52:30','2022-12-31 17:52:30','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2877,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2022/12/Home-improvement.png\" alt=\"\" class=\"wp-image-2877\"/></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\">Every year, the New Year arrives, brimming with possibilities.&nbsp;Promises and resolutions&nbsp;are abundant. You feel this time, it’s really going to be different and nothing will stop you from accomplishing your goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now that January has rolled around, you must be really looking forward to a great 2023. You might have vowed to quit smoking, lose some weight, travel new places or spend some more time with your family. But what about your home – the place where you’ll spend most of your year? Below we present to you ten resolutions for your home this year, in the perfect spirit of new beginnings. They say home is where your heart is but a lovelier, better organized, and more comfortable place to live will surely work wonders.</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\">1. Cut down the use of energy.</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\">How about trying to improve the planet as well while you’re improving yourself? Going green could be a great way to make this year truly remarkable. You could start with solar panels or a hybrid car but those are not the only things that can make a difference.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Learn to properly recycle, remember to turn off lights while you’re not using them and turn the taps off when you’re brushing your teeth. This way, you’ll not only contribute towards a better planet but also cut down your bills significantly.</p>\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 can trim energy use by sealing and insulating your ductwork. This increases the efficiency of your heating and cooling system by almost 20%. It will make your home more comfortable and also extend the life of your furnace, heat pump and air conditioner.</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\">2. Create a healthy and family-friendly kitchen</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 kitchen is the place where families gather together in the midst of all of the hassles of everyday life. While each of us are busy in our work and studies throughout the day, the kitchen is what brings us together.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">So why not make as healthy and&nbsp;family-together kitchen&nbsp;as possible? Make your kitchen clean and organized and keep it full of healthy and nutritious ingredients. Look out for some healthy recipes in cookbooks or online. Throw out anything that has overstayed in your kitchen by checking out their expiry dates.&nbsp;And also, transform your kitchen into a place that’s not just about cooking but also about connecting. Make the kitchen more accessible. You could also create a zone for kids in the kitchen. Try to make it multi-purpose and also elegant.</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\">3. Keep indoor air uncontaminated</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\">Indoor air quality is one of the most important indicators of the quality of the environment you are living in. Prolonged exposure to polluted air can lead to complications like chronic respiratory disease, heart disease and lung cancer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Indoor air can be full of contaminants like dust, pollen and mold spores. The problem can be even more severe during winter when we prefer to keep our doors and windows shut all the 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\">The harmful irritants in your home can be eliminated by maintaining your HVAC system and changing furnace filters regularly, using low-VOC paints during remodeling of rooms and using localized ventilation in your bathrooms and kitchens to get rid of smoke, cooking fumes and surplus humidity.</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\">4.&nbsp;Install low-maintenance and durable materials</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 year, shift your focus towards materials that are low-maintenance and durable. They will provide you a trouble-free service for a long time and since you have to spend minimal time maintaining them, they will spare you from worrying about looking after them.&nbsp;You could use fiber-cement siding which is weather-proof, exceptionally stable and resistant to fire, dents and rot and lasts for as long as 50 years. LED bulbs meanwhile last a phenomenal 18 to 46 years even when they are used for 3 hours every day.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Seasonal artificial plants&nbsp;can be used to decorate your home if you don’t have time to spend hours every week tending to your flowers and trees in the garden. &nbsp;Ceramic tiles which look extremely good on floors and walls meanwhile also last for decades.</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\">5. Make your house safe and sound</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 home may look wonderful and it’s properly organized also. How about putting some efforts into making it safe as well? You should ensure you’re not living with a potential fire, health or security risk.&nbsp;Besides installing fire detectors, check your house for gases like radon and carbon monoxide also. The hardware that perform these tests are not particularly expensive either. And, also watch out for dryer lint.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Make sure your house is properly ventilated. You could also install door and window alarms, that don’t cost much these days. And also, ensure that your house is up to date with latest safety standards.</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\">6. Get your space organized</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\">Getting rid of clutter is a must. In fact, it’s probably the best and cheapest way to feel better about your home. Of course, the act itself however can be quite overwhelming but can you think of a better way to start the year than with a clear and organized home?&nbsp;Keeping your space organized basically comes down to two things if you stick to them. One is to periodically get rid of whatever things you don’t use often or don’t like at all. The other is to only bring in things that you actually need.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Creating&nbsp;extra space for storage&nbsp;is another way to keep your home organized. With added space, you can store your possessions easily without your room looking untidy. So this year, how about making use of your imagination at creating a little more space in the most unimaginable places?</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\">7. Spend some time on home improvement projects together</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\">How about trying your hand on some cool home improvement projects this year with your family? Such projects will not only improve your living place but you will also get to spend lots of quality time together as a family.&nbsp;You could try out some DIY projects. They are a fun and creative way to spend time and when finished, you’ll have something elegant to decorate your house with. They come in at all sorts of different budgets. Some of them don’t require much time to complete either.</p>\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 could also try something organic. Plant a tree in your backyard or spend some time in the garden together with your family. Preparing home emergency preparedness kit or making your entrance more inviting is also a great idea.</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\">8. Get your finances right</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 probably could be the year you finally get your finances right. Creating a yearly budget will help you a lot. That way, you know how much you’ll need to spend this year and will also help to&nbsp;avoid overspending.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Do not forget to allocate some budget for improvement and maintenance of your house. Cutting down the use of energy will also help a lot. So turn off your air conditioner when you are not at home and dial your heater down to a lower temperature at night.&nbsp;Sound financial health is assured when you make enough money and when you do not overspend the money that you have worked hard to earn. So think of the ways to make enough money this year and also try to cut down costs as much 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\">9. Work out a system to keep your house clean</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\">Everybody loves to live in a clean house but almost everyone dreads the act of cleaning itself. Coming up with a solid plan to keep your house clean could be the best thing you did this year. Devise a daily, weekly as well as monthly plan to keep your entire house clean.</p>\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 best to focus on one particular type of cleaning at a time. You can wipe windows and mirrors first and then move on to sweeping the floors. And also, keep the cleansing utensils like sponge, scraper, cleaning cloths, plastic bags and apron in a place where you can easily find them.</p>\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 could also divide the cleaning job among the members of your family. Some of them can do dusting and vacuuming while the others can clean up the bathroom. This way, you can clean the entire house in no 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\">10. Make your place more welcoming</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\">Every year, we vow to spend more time with family and friends. So why not make your house friendlier to increase the odds of&nbsp;real conversation&nbsp;and connection this year? All it takes is a little bit of rearrangement and a couple of updates.</p>\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 could start with your living room – the place where you welcome your family and friends. It doesn’t need to be very complicated either. Even adding a few bright cushions or placing down a new rug can make a huge difference.&nbsp;Guest bedrooms constitute the other essential part of the friendly experience. The experience of the guests in the places where they sleep can create lasting memories. So try to make them cozy and comfortable.</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.lifehack.org/354146/10-resolutions-for-your-home-the-new-year\">click here.</a></p>\n<!-- /wp:paragraph -->','10 Resolutions For Your Home In the New Year','','inherit','closed','closed','','2876-revision-v1','','','2022-12-31 17:52:30','2022-12-31 17:52:30','',2876,'http://smartinsurance.tips/?p=2928',0,'revision','',0),(2932,1,'2023-01-24 21:35:19','2023-01-24 21:35:19','','Money-1','','inherit','closed','closed','','money-1-9','','','2023-01-24 21:35:19','2023-01-24 21:35:19','',2931,'http://smartinsurance.tips/wp-content/uploads/2023/01/Money-1.png',0,'attachment','image/png',0),(2933,1,'2023-01-24 21:40:40','2023-01-24 21:40:40','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2932,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/Money-1.png\" alt=\"\" class=\"wp-image-2932\"/></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\">What does it mean to be financially responsible? It\'s a complex question with a complex answer, but at its core is a simple truth: To be financially responsible, you need to live within your means. And to live within your means, you must spend less than you make.</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\">Credit Cards and Debt</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\">If you\'re really looking to be financially responsible, just being able to make your minimum monthly credit card payment doesn\'t cut it. In fact, the fact that you aren\'t able to pay your balance in full shows that you already spend more than you earn. Responsible use of credit means paying the balance on your account in full each 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\" id=\"mntl-sc-block_1-0-5\">Also, credit cards should be used for convenience, not to make ends meet. Credit cards are handy because they eliminate the need to carry cash. Plus, you can generate reward points. Credit cards can be very helpful in an emergency. That said, if an emergency does force you to carry a balance on your card, living in a financially responsible manner means curbing your spending until that balance is paid off.</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\">Consider the Interest</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\">The same logic applies to all recurring payments that involve paying interest. Think about it: Paying interest on anything means that you are spending more on that item than the purchase price. Does that sound like the most responsible choice or just the most convenient?</p>\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\">When the interest payments are factored into the purchase price, you are spending more to obtain the item than even the item\'s manufacturer thought it was worth. As such, avoiding paying interest on anything should be a major objective.</p>\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\">Of course, when it comes to the cost of housing and personal transportation, avoiding interest is impossible for most of us. In such situations, minimizing the amount you spend in interest each month is the most responsible action.</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_1-0-14\">Acting in Your Own Best Interest</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_1-0-15\">For many people, cutting down on interest and borrowing is easier said than done, but in practice, it really comes down to knowing the difference between necessities and luxuries. For example, you might need a car, but you don\'t need a top-of-the-line model and, unless you can afford to pay for it in cash, you shouldn\'t be driving one.</p>\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_1-0-17\">Likewise, you might need a place to live, but you don\'t need a mansion. And while most of us must have a mortgage in order to afford a home, purchasing a home in a financially responsible manner means that you should purchase one that won\'t break the bank. In financial terms, this means it shouldn\'t cost more than two or 2.5- times your yearly income. Another healthy estimate is that your monthly mortgage payment should not cost more than 30% of your monthly take-home pay.</p>\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\">In addition to avoiding overspending on your home purchase, you should make a down payment that is large enough to eliminate the requirement of having to pay for private mortgage insurance (PMI). If you can\'t afford to meet these purchasing guidelines, rent until you can afford 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=\"mntl-sc-block_1-0-21\">Paying Yourself First—Saving</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\">Spending every dime that you earn is simply irresponsible unless you have a massive trust fund that is so flush with cash that you will never outlive the earnings. For most people, especially those of us hoping to retire someday, saving is an activity that must be taken seriously. A great way to do this is when you get your paycheck – and before you pay your bills – pay yourself first. A good goal to save is 10%.</p>\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\">When it comes to saving, investing in the stock market might be the most profitable choice available. Sure, investing involves risk, but taking calculated risks is sometimes a necessity. The responsible way to go about it is to have a plan.</p>\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_1-0-26\">Start by examining asset allocation strategies to learn how to choose the right mix of securities for your investing strategy. From there, contribute to your employer-sponsored savings plan if such a plan is available. Most employers offer to match your contributions up to a certain percentage, so by contributing at least enough to get the match, you earn a guaranteed return on your investment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">If your finances permit, maximize your tax-deferred savings opportunities by contributing the full amount that the plan allows. After you\'ve started investing, monitor the progress that you are making toward your goals and rebalance your portfolio as necessary to remain on track.</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_1-0-30\">Emergency Fund</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_1-0-31\">Financial responsibility means being prepared for the unexpected. Most experts agree that you need to be able to support yourself financially for at least six months without an income. If you are married and used to living on dual paychecks, this means being able to pay the necessary bills such as the mortgage, food and utilities on one income – or even neither income. If a missed paycheck would ruin you financially, it\'s time to create a financial escape hatch to prevent this.</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_1-0-33\">Don\'t Keep Up with the Joneses</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_1-0-34\">Financial responsibly means doing what you have to do to take care of your needs and the needs of your family. To make this happen, your focus should be internal. The neighbors aren\'t paying your bills, so their spending habits shouldn\'t dictate yours or set the bar for your standard of living.</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\">Budgeting</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\">Having a budget is one of the core pillars of financial responsibility. You should know where your money is going. Business owners know the importance of understanding their cash flows and balance sheets; as a result, no successful business exists without a budget. Neither should 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_1-0-39\">A Very Personal Definition</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_1-0-40\">Does being financially responsible mean that you have to scrimp and save? Maybe, but only if that is what it takes to stay out of debt. On the other hand, if you are the Sultan of Brunei, you may easily be able to afford a jet, a mega-yacht, a mansion in the South of France and a few palaces. Although those of us with lesser means might frown on this extravagance, it shouldn\'t be confused with a lack of financial responsibility. After all, there\'s nothing irresponsible about buying things you can afford to pay for.</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\">Arriving at \"Responsible\"</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_1-0-43\">Ultimately, financial responsibility means living within your means, regardless of the level of those means. So take a close look at your financial situation, evaluate your earning and spending habits, and make the necessary adjustments to put yourself on responsible financial footing.</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/articles/pf/09/financial-responsibility.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','The Basics of Financial Responsibility','','inherit','closed','closed','','2931-revision-v1','','','2023-01-24 21:40:40','2023-01-24 21:40:40','',2931,'http://smartinsurance.tips/?p=2933',0,'revision','',0),(2934,1,'2023-01-24 23:41:25','2023-01-24 23:41:25','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Used cars can be expensive. Here\'s how to finance your purchase without paying more than you have to.</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\":2935,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/Money-2.png\" alt=\"\" class=\"wp-image-2935\"/></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\">Used cars can offer big savings over new ones, but if you need to finance your purchase, you may not save as much as it seems at first blush. For starters, the average price of a used car is almost $29,000—much higher than in pre-pandemic times. And interest rates for used cars can be double what you would pay for new-car financing, which is often subsidized by the manufacturer to make higher-priced new cars more attractive. With interest rates on the rise, a higher rate could cost you thousands.</p>\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 price of the used car you’re looking at may still be pretty elevated, so it’s a good idea to avoid high-cost financing and dealer add-ons,” says Chuck Bell, a financial policy advocate for CR. “It may be better to arrange your own financing, or consider buying from a private seller, which can be more of a hassle but can result in a better price.\"</p>\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 following tips will help you avoid common pitfalls and paying more than you have to when buying and financing a used car.</p>\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>Check the vehicle history.&nbsp;</strong>You don’t want to be on the hook for paying off a loan if it turns out there are significant problems with the car or the resale value plummets due to hidden crash damage. Vehicle history reports can fail to indicate flood, collision, or other damage, so checking more than one for any car you are serious about buying can help eliminate potential blind spots. Reports from&nbsp;CarFax&nbsp;cost just a few bucks, and&nbsp;VINcheck&nbsp;is offered for free by the National Insurance Crime Bureau. The&nbsp;National Motor Vehicle Title Information System&nbsp;also offers links to numerous approved vehicle history providers. And always have a vehicle inspected by a trusted mechanic before you buy 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\"><strong>Check your credit score. </strong>Whether buying new or used, the best interest rates generally go to those with the best credit. Melinda Zabritski, senior director of automotive financial solutions at Experian, a credit reporting agency, says that the average interest rate for a used-car loan is 5.53 percent for someone with the highest credit rating, and 16.85 percent for someone with the lowest credit rating. The difference between those two could be a couple thousand dollars over the course of a traditional loan. It’s a good idea to check your credit score periodically to see if there are any areas that need improvement. You can do this using a number of free credit-reporting services, such as annualcreditreport.com, Credit Karma, or Experian. Zabritski says that, in general, the best ways to keep your credit score in good shape are to pay bills on time and to keep the balances on your credit card as low as possible. Experian Boost is a free service that can help beef up your credit score by including paid-on-time utility and other bills. (Learn how to fix your credit score.)</p>\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>Get pre-approved.&nbsp;</strong>This is good advice for any car purchase, whether new or used, and it’s required if you’re financing a used-car purchase from a private seller. Getting pre-approved also gives you a baseline from which to start, and empowers you to decline a dealer’s financing if the terms aren’t favorable. Zabritski says not to worry about making multiple inquiries for auto loans. They may be excluded from your credit report anyway, and if not, they’re likely counted only as one inquiry if they’re all made within the same 30-day period. Most dealers will offer financing through a third-party lender and online vendors like&nbsp;Carvana&nbsp;and&nbsp;Vroom&nbsp;also offer financing and easy online prequalification. But you may get a better rate from your own financial institution. Be sure to shop around to see who has the best rates.</p>\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>Make a sizable downpayment.</strong>&nbsp;Put as much money down as you can comfortably afford, says Bell. The more you pay upfront, the less money you’ll lose to interest payments. For example, if you put $3,000 down on a $29,000 car, you’ll pay a total of $32,341 on a 48-month, 5.53 percent APR loan (not including sales tax, which varies widely by state, and can add thousands to the price). If you put down $5,000, you’ll save more than $200 over the life of the loan. If you compare how much interest your money would make in a savings account, it’s probably less than what you would save by making a larger downpayment.</p>\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>Avoid long-term loans.</strong>&nbsp;A loan that lasts 60 months may keep your monthly payments low, but you’ll pay more in the long run, and will probably pay a higher rate as well. Using Navy Federal Credit Union numbers as an example, if you finance $23,000 at 5.44 percent over 36 months, the total amount you’ll pay will be about $31,280. Taking out a 60-month loan incurs a higher 5.74-percent rate, and the total cost would be $32,812—more than $1,500 higher than the shorter-term loan. The chances that you’ll find yourself “upside down,” or owing more on the car than it’s worth also increase with longer-term loans.</p>\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>Avoid dealer add-ons.</strong>&nbsp;Once you’ve agreed upon a price, there’s a good chance that a dealer may try to pressure you into buying an&nbsp;extended warranty. (Some will tell you it’s required to get a loan, which is rarely the case.) Make sure the original factory warranty is expired before even considering extended warranty coverage (some certified pre-owned cars already have extended coverage and may not need more). As a general rule, CR doesn’t recommend buying extended warranty coverage: It’s often not worth the money. Instead, keep a rainy day fund for car repairs. That money may even gain a little interest if it’s in the right type of 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\"><strong>Factor in potential maintenance costs.</strong>&nbsp;If you’re buying an older vehicle, you’ll definitely save money over the price of a new car. But don’t forget the inevitable cost of eventual repairs. Consumer Reports advises finding a CR Recommended model known for safety, reliability, and strong fuel economy, which can help limit costs. You can find these by using our&nbsp;list of recommended used cars; the&nbsp;CR Used Car Marketplace&nbsp;shows owner satisfaction and reliability right within the listings. It’s still a good idea to come up with a rough annual maintenance budget&nbsp;based on a car’s age and mileage&nbsp;using CR’s online&nbsp;car repair estimator. Then factor that into your monthly payment estimate to see how much money you’ll actually save by buying used.</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.consumerreports.org/money/car-financing/how-to-finance-a-used-car-a1102880293/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Finance a Used Car','','publish','closed','closed','','how-to-finance-a-used-car','','','2023-01-24 23:42:17','2023-01-24 23:42:17','',0,'http://smartinsurance.tips/?p=2934',0,'post','',0),(2935,1,'2023-01-24 23:39:11','2023-01-24 23:39:11','','Money-2','','inherit','closed','closed','','money-2-10','','','2023-01-24 23:39:11','2023-01-24 23:39:11','',2934,'http://smartinsurance.tips/wp-content/uploads/2023/01/Money-2.png',0,'attachment','image/png',0),(2937,1,'2023-01-24 23:42:17','2023-01-24 23:42:17','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Used cars can be expensive. Here\'s how to finance your purchase without paying more than you have to.</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\":2935,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/Money-2.png\" alt=\"\" class=\"wp-image-2935\"/></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\">Used cars can offer big savings over new ones, but if you need to finance your purchase, you may not save as much as it seems at first blush. For starters, the average price of a used car is almost $29,000—much higher than in pre-pandemic times. And interest rates for used cars can be double what you would pay for new-car financing, which is often subsidized by the manufacturer to make higher-priced new cars more attractive. With interest rates on the rise, a higher rate could cost you thousands.</p>\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 price of the used car you’re looking at may still be pretty elevated, so it’s a good idea to avoid high-cost financing and dealer add-ons,” says Chuck Bell, a financial policy advocate for CR. “It may be better to arrange your own financing, or consider buying from a private seller, which can be more of a hassle but can result in a better price.\"</p>\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 following tips will help you avoid common pitfalls and paying more than you have to when buying and financing a used car.</p>\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>Check the vehicle history.&nbsp;</strong>You don’t want to be on the hook for paying off a loan if it turns out there are significant problems with the car or the resale value plummets due to hidden crash damage. Vehicle history reports can fail to indicate flood, collision, or other damage, so checking more than one for any car you are serious about buying can help eliminate potential blind spots. Reports from&nbsp;CarFax&nbsp;cost just a few bucks, and&nbsp;VINcheck&nbsp;is offered for free by the National Insurance Crime Bureau. The&nbsp;National Motor Vehicle Title Information System&nbsp;also offers links to numerous approved vehicle history providers. And always have a vehicle inspected by a trusted mechanic before you buy 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\"><strong>Check your credit score. </strong>Whether buying new or used, the best interest rates generally go to those with the best credit. Melinda Zabritski, senior director of automotive financial solutions at Experian, a credit reporting agency, says that the average interest rate for a used-car loan is 5.53 percent for someone with the highest credit rating, and 16.85 percent for someone with the lowest credit rating. The difference between those two could be a couple thousand dollars over the course of a traditional loan. It’s a good idea to check your credit score periodically to see if there are any areas that need improvement. You can do this using a number of free credit-reporting services, such as annualcreditreport.com, Credit Karma, or Experian. Zabritski says that, in general, the best ways to keep your credit score in good shape are to pay bills on time and to keep the balances on your credit card as low as possible. Experian Boost is a free service that can help beef up your credit score by including paid-on-time utility and other bills. (Learn how to fix your credit score.)</p>\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>Get pre-approved.&nbsp;</strong>This is good advice for any car purchase, whether new or used, and it’s required if you’re financing a used-car purchase from a private seller. Getting pre-approved also gives you a baseline from which to start, and empowers you to decline a dealer’s financing if the terms aren’t favorable. Zabritski says not to worry about making multiple inquiries for auto loans. They may be excluded from your credit report anyway, and if not, they’re likely counted only as one inquiry if they’re all made within the same 30-day period. Most dealers will offer financing through a third-party lender and online vendors like&nbsp;Carvana&nbsp;and&nbsp;Vroom&nbsp;also offer financing and easy online prequalification. But you may get a better rate from your own financial institution. Be sure to shop around to see who has the best rates.</p>\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>Make a sizable downpayment.</strong>&nbsp;Put as much money down as you can comfortably afford, says Bell. The more you pay upfront, the less money you’ll lose to interest payments. For example, if you put $3,000 down on a $29,000 car, you’ll pay a total of $32,341 on a 48-month, 5.53 percent APR loan (not including sales tax, which varies widely by state, and can add thousands to the price). If you put down $5,000, you’ll save more than $200 over the life of the loan. If you compare how much interest your money would make in a savings account, it’s probably less than what you would save by making a larger downpayment.</p>\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>Avoid long-term loans.</strong>&nbsp;A loan that lasts 60 months may keep your monthly payments low, but you’ll pay more in the long run, and will probably pay a higher rate as well. Using Navy Federal Credit Union numbers as an example, if you finance $23,000 at 5.44 percent over 36 months, the total amount you’ll pay will be about $31,280. Taking out a 60-month loan incurs a higher 5.74-percent rate, and the total cost would be $32,812—more than $1,500 higher than the shorter-term loan. The chances that you’ll find yourself “upside down,” or owing more on the car than it’s worth also increase with longer-term loans.</p>\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>Avoid dealer add-ons.</strong>&nbsp;Once you’ve agreed upon a price, there’s a good chance that a dealer may try to pressure you into buying an&nbsp;extended warranty. (Some will tell you it’s required to get a loan, which is rarely the case.) Make sure the original factory warranty is expired before even considering extended warranty coverage (some certified pre-owned cars already have extended coverage and may not need more). As a general rule, CR doesn’t recommend buying extended warranty coverage: It’s often not worth the money. Instead, keep a rainy day fund for car repairs. That money may even gain a little interest if it’s in the right type of 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\"><strong>Factor in potential maintenance costs.</strong>&nbsp;If you’re buying an older vehicle, you’ll definitely save money over the price of a new car. But don’t forget the inevitable cost of eventual repairs. Consumer Reports advises finding a CR Recommended model known for safety, reliability, and strong fuel economy, which can help limit costs. You can find these by using our&nbsp;list of recommended used cars; the&nbsp;CR Used Car Marketplace&nbsp;shows owner satisfaction and reliability right within the listings. It’s still a good idea to come up with a rough annual maintenance budget&nbsp;based on a car’s age and mileage&nbsp;using CR’s online&nbsp;car repair estimator. Then factor that into your monthly payment estimate to see how much money you’ll actually save by buying used.</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.consumerreports.org/money/car-financing/how-to-finance-a-used-car-a1102880293/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Finance a Used Car','','inherit','closed','closed','','2934-revision-v1','','','2023-01-24 23:42:17','2023-01-24 23:42:17','',2934,'http://smartinsurance.tips/?p=2937',0,'revision','',0),(2936,1,'2023-01-24 23:41:25','2023-01-24 23:41:25','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Used cars can be expensive. Here\'s how to finance your purchase without paying more than you have to.</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\":2935,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/Money-2.png\" alt=\"\" class=\"wp-image-2935\"/></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\">Used cars can offer big savings over new ones, but if you need to finance your purchase, you may not save as much as it seems at first blush. For starters, the average price of a used car is almost $29,000—much higher than in pre-pandemic times. And interest rates for used cars can be double what you would pay for new-car financing, which is often subsidized by the manufacturer to make higher-priced new cars more attractive. With interest rates on the rise, a higher rate could cost you thousands.</p>\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 price of the used car you’re looking at may still be pretty elevated, so it’s a good idea to avoid high-cost financing and dealer add-ons,” says Chuck Bell, a financial policy advocate for CR. “It may be better to arrange your own financing, or consider buying from a private seller, which can be more of a hassle but can result in a better price.\"</p>\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 following tips will help you avoid common pitfalls and paying more than you have to when buying and financing a used car.</p>\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>Check the vehicle history. </strong>You don’t want to be on the hook for paying off a loan if it turns out there are significant problems with the car or the resale value plummets due to hidden crash damage. Vehicle history reports can fail to indicate flood, collision, or other damage, so checking more than one for any car you are serious about buying can help eliminate potential blind spots. Reports from CarFax cost just a few bucks, and VINcheck is offered for free by the National Insurance Crime Bureau. The National Motor Vehicle Title Information System also offers links to numerous approved vehicle history providers. And always have a vehicle inspected by a trusted mechanic before you buy 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\"><strong>Check your credit score. </strong>Whether buying new or used, the best interest rates generally go to those with the best credit. Melinda Zabritski, senior director of automotive financial solutions at Experian, a credit reporting agency, says that the average interest rate for a used-car loan is 5.53 percent for someone with the highest credit rating, and 16.85 percent for someone with the lowest credit rating. The difference between those two could be a couple thousand dollars over the course of a traditional loan. It’s a good idea to check your credit score periodically to see if there are any areas that need improvement. You can do this using a number of free credit-reporting services, such as annualcreditreport.com, Credit Karma, or Experian. Zabritski says that, in general, the best ways to keep your credit score in good shape are to pay bills on time and to keep the balances on your credit card as low as possible. <a rel=\"noreferrer noopener\" href=\"https://www.experian.com/consumer-products/score-boost.html\" target=\"_blank\">Exp</a>e<a rel=\"noreferrer noopener\" href=\"https://www.experian.com/consumer-products/score-boost.html\" target=\"_blank\">rian Boost</a> is a free service that can help beef up your credit score by including paid-on-time utility and other bills. (Learn how to fix your credit score.)</p>\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>Get pre-approved. </strong>This is good advice for any car purchase, whether new or used, and it’s required if you’re financing a used-car purchase from a private seller. Getting pre-approved also gives you a baseline from which to start, and empowers you to decline a dealer’s financing if the terms aren’t favorable. Zabritski says not to worry about making multiple inquiries for auto loans. They may be excluded from your credit report anyway, and if not, they’re likely counted only as one inquiry if they’re all made within the same 30-day period. Most dealers will offer financing through a third-party lender and online vendors like Carvana and Vroom also offer financing and easy online prequalification. But you may get a better rate from your own financial institution. Be sure to shop around to see who has the best rates.</p>\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>Make a sizable downpayment.</strong>&nbsp;Put as much money down as you can comfortably afford, says Bell. The more you pay upfront, the less money you’ll lose to interest payments. For example, if you put $3,000 down on a $29,000 car, you’ll pay a total of $32,341 on a 48-month, 5.53 percent APR loan (not including sales tax, which varies widely by state, and can add thousands to the price). If you put down $5,000, you’ll save more than $200 over the life of the loan. If you compare how much interest your money would make in a savings account, it’s probably less than what you would save by making a larger downpayment.</p>\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>Avoid long-term loans.</strong>&nbsp;A loan that lasts 60 months may keep your monthly payments low, but you’ll pay more in the long run, and will probably pay a higher rate as well. Using Navy Federal Credit Union numbers as an example, if you finance $23,000 at 5.44 percent over 36 months, the total amount you’ll pay will be about $31,280. Taking out a 60-month loan incurs a higher 5.74-percent rate, and the total cost would be $32,812—more than $1,500 higher than the shorter-term loan. The chances that you’ll find yourself “upside down,” or owing more on the car than it’s worth also increase with longer-term loans.</p>\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>Avoid dealer add-ons.</strong> Once you’ve agreed upon a price, there’s a good chance that a dealer may try to pressure you into buying an extended warranty. (Some will tell you it’s required to get a loan, which is rarely the case.) Make sure the original factory warranty is expired before even considering extended warranty coverage (some certified pre-owned cars already have extended coverage and may not need more). As a general rule, CR doesn’t recommend buying extended warranty coverage: It’s often not worth the money. Instead, keep a rainy day fund for car repairs. That money may even gain a little interest if it’s in the right type of 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\"><strong>Factor in potential maintenance costs.</strong> If you’re buying an older vehicle, you’ll definitely save money over the price of a new car. But don’t forget the inevitable cost of eventual repairs. Consumer Reports advises finding a CR Recommended model known for safety, reliability, and strong fuel economy, which can help limit costs. You can find these by using our list of recommended used cars; the CR Used Car Marketplace shows owner satisfaction and reliability right within the listings. It’s still a good idea to come up with a rough annual maintenance budget based on a car’s age and mileage using CR’s online car repair estimator. Then factor that into your monthly payment estimate to see how much money you’ll actually save by buying used.</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/money/car-financing/how-to-finance-a-used-car-a1102880293/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Finance a Used Car','','inherit','closed','closed','','2934-revision-v1','','','2023-01-24 23:41:25','2023-01-24 23:41:25','',2934,'http://smartinsurance.tips/?p=2936',0,'revision','',0),(2938,1,'2023-01-25 19:12:14','2023-01-25 19:12:14','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Recognizing these common signs of a scam could help you avoid one.</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\":2939,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-35.png\" alt=\"\" class=\"wp-image-2939\"/></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\">Four Signs That It’s a Scam</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>1. Scammers PRETEND to be from an organization you know.</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\">Scammers often pretend to be contacting you on behalf of the government. They might use a real name, like the Social Security Administration, the IRS, or Medicare, or make up a name that sounds official. Some pretend to be from a business you know, like a utility company, a tech company, or even a charity asking for donations.</p>\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 use technology to change the phone number that appears on your caller ID. So the name and number you see might not be real.</p>\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>2. Scammers say there’s a PROBLEM or a PRIZE.</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\">They might say you’re in trouble with the government. Or you owe money. Or someone in your family had an emergency. Or that there’s a virus on your computer.</p>\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 scammers say there’s a problem with one of your accounts and that you need to verify some information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Others will lie and say you won money in a lottery or sweepstakes but have to pay a fee to get 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\"><strong>3. Scammers PRESSURE you to act immediately.</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\">Scammers want you to act before you have time to think. If you’re on the phone, they might tell you not to hang up so you can’t check out their story.</p>\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 might threaten to arrest you, sue you, take away your driver’s or business license, or deport you. They might say your computer is about to be corrupted.</p>\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>4. Scammers tell you to PAY in a specific way.</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\">They often insist that you pay by using cryptocurrency, by wiring money through a company like MoneyGram or Western Union, or by putting money on a gift card and then giving them the number on the back.</p>\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 will send you a check (that will later turn out to be fake), then tell you to deposit it and send them 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\"><a></a>How To Avoid a Scam</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>Block unwanted calls and text messages. </strong>Take steps to block unwanted calls and to filter unwanted text messages.</p>\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>Don’t give your personal or financial information in response to a request that you didn’t expect.</strong>&nbsp;Honest organizations won’t call, email, or text to ask for your personal information, like your Social Security, bank account, or credit card numbers.</p>\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 get an email or text message from a company you do business with and you think it’s real, it’s still best not to click on any links. Instead, contact them using a website you know is trustworthy. Or look up their phone number. Don’t call a number they gave you or the number from your caller ID.</p>\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>Resist the pressure to act immediately.&nbsp;</strong>Honest businesses will give you time to make a decision. Anyone who pressures you to pay or give them your personal information is a scammer.</p>\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>Know how scammers tell you to pay. </strong>Never pay someone who insists you pay with cryptocurrency, a wire transfer service like Western Union or MoneyGram, or a gift card. And never deposit a check and send money back to someone.</p>\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>Stop and talk to someone you trust.&nbsp;</strong>Before you do anything else, tell someone — a friend, a family member, a neighbor — what happened. Talking about it could help you realize it’s a scam.</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>Report Scams to the FTC</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 were scammed or think you saw a scam, tell the FTC at ReportFraud.ftc.gov.</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://consumer.ftc.gov/articles/how-avoid-scam#:~:text=Block%20unwanted%20calls%20and%20text,that%20you%20didn%27t%20expect.\">click here.</a></p>\n<!-- /wp:paragraph -->','How To Avoid a Scam?','','publish','closed','closed','','how-to-avoid-a-scam','','','2023-01-25 19:12:14','2023-01-25 19:12:14','',0,'http://smartinsurance.tips/?p=2938',0,'post','',0),(2939,1,'2023-01-25 19:07:29','2023-01-25 19:07:29','','My-project-1-35','','inherit','closed','closed','','my-project-1-35','','','2023-01-25 19:07:29','2023-01-25 19:07:29','',2938,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-35.png',0,'attachment','image/png',0),(2940,1,'2023-01-25 19:12:14','2023-01-25 19:12:14','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Recognizing these common signs of a scam could help you avoid one.</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\":2939,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-35.png\" alt=\"\" class=\"wp-image-2939\"/></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\">Four Signs That It’s a Scam</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>1. Scammers PRETEND to be from an organization you know.</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\">Scammers often pretend to be contacting you on behalf of the government. They might use a real name, like the Social Security Administration, the IRS, or Medicare, or make up a name that sounds official. Some pretend to be from a business you know, like a utility company, a tech company, or even a charity asking for donations.</p>\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 use technology to change the phone number that appears on your caller ID. So the name and number you see might not be real.</p>\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>2. Scammers say there’s a PROBLEM or a PRIZE.</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\">They might say you’re in trouble with the government. Or you owe money. Or someone in your family had an emergency. Or that there’s a virus on your computer.</p>\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 scammers say there’s a problem with one of your accounts and that you need to verify some information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Others will lie and say you won money in a lottery or sweepstakes but have to pay a fee to get 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\"><strong>3. Scammers PRESSURE you to act immediately.</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\">Scammers want you to act before you have time to think. If you’re on the phone, they might tell you not to hang up so you can’t check out their story.</p>\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 might threaten to arrest you, sue you, take away your driver’s or business license, or deport you. They might say your computer is about to be corrupted.</p>\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>4. Scammers tell you to PAY in a specific way.</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\">They often insist that you pay by using cryptocurrency, by wiring money through a company like MoneyGram or Western Union, or by putting money on a gift card and then giving them the number on the back.</p>\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 will send you a check (that will later turn out to be fake), then tell you to deposit it and send them 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\"><a></a>How To Avoid a Scam</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>Block unwanted calls and text messages. </strong>Take steps to block unwanted calls and to filter unwanted text messages.</p>\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>Don’t give your personal or financial information in response to a request that you didn’t expect.</strong>&nbsp;Honest organizations won’t call, email, or text to ask for your personal information, like your Social Security, bank account, or credit card numbers.</p>\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 get an email or text message from a company you do business with and you think it’s real, it’s still best not to click on any links. Instead, contact them using a website you know is trustworthy. Or look up their phone number. Don’t call a number they gave you or the number from your caller ID.</p>\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>Resist the pressure to act immediately.&nbsp;</strong>Honest businesses will give you time to make a decision. Anyone who pressures you to pay or give them your personal information is a scammer.</p>\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>Know how scammers tell you to pay. </strong>Never pay someone who insists you pay with cryptocurrency, a wire transfer service like Western Union or MoneyGram, or a gift card. And never deposit a check and send money back to someone.</p>\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>Stop and talk to someone you trust.&nbsp;</strong>Before you do anything else, tell someone — a friend, a family member, a neighbor — what happened. Talking about it could help you realize it’s a scam.</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>Report Scams to the FTC</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 were scammed or think you saw a scam, tell the FTC at ReportFraud.ftc.gov.</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://consumer.ftc.gov/articles/how-avoid-scam#:~:text=Block%20unwanted%20calls%20and%20text,that%20you%20didn%27t%20expect.\">click here.</a></p>\n<!-- /wp:paragraph -->','How To Avoid a Scam?','','inherit','closed','closed','','2938-revision-v1','','','2023-01-25 19:12:14','2023-01-25 19:12:14','',2938,'http://smartinsurance.tips/?p=2940',0,'revision','',0),(2941,1,'2023-01-25 19:18:26','2023-01-25 19:18:26','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These are the most basic shortcuts and ones you’ll likely have heard of. They are key in moving through your work quickly and easily.</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\":2942,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-36.png\" alt=\"\" class=\"wp-image-2942\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">1. Ctrl+Z : Undo</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\">Irrespective of what you are doing, or where you are doing it, Ctrl + Z is a lifesaver. One possibly can’t survive without this function.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whatever program you’re running, this function helps you get back to your last input. So don’t worry about all the mistakes as this particular shortcut will save you every time.</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\">2. Ctrl + A : Select All</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\">Again, irrespective of which program you are running, this shortcut key selects all of the text, files, folders, or elements in any given program or page.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Instead of spending your time dragging your mouse all over the page, use this to grab everything in one go.</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\">3. Ctrl + C : Copy</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\">You’ve selected what you wanted to. Now you’d like to copy 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\">This is probably one of the top shortcut keys people use when working on their Windows system. Easily copy whatever you like, and it stays with you until you are ready to paste it.</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\">4. Ctrl + V : Paste</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\">Easily paste all that you have copied. It could be a text, file, image, or folder. In any case, this is a very useful feature to bring everything together.</p>\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 would like to paste plain, simple text without original formatting, just add Shift to it, i.e. Ctrl + Shift + V.</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\">5. Ctrl + X : Cut</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\">Don’t want a piece of text/table/image/file in a particular place?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Simply select it and use the shortcut Ctrl + X. The piece gets removed and copied. Then, use the paste shortcut to paste it anywhere you like.</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\">6. Alt + Tab : Switch Screen/Tabs</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\">This one has been around for a while and has been enhanced with upgrades in the Windows OS. Simply press Alt and then the Tab key, and you will switch to the next tab/screen.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Holding down the Alt button and tapping on Tab let’s you move and choose between multiple screens. Talk about multi-tasking!</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\">7. Ctrl + Alt + Del : Start Task Manager</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\">What happens when an application starts to lag or stops responding, or your windows OS stands still and you can’t move a thing? You summon Ctrl + Alt + Del! When you press them together, a magical box called the task manager opens 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\">You can then check out which programs/apps were making your PC slow and shut them down from the task manager itself, bringing your PC back to life.</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\">8. Alt + F4 : Close App</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\">This shortcut has been around for decades now! Simply press Alt plus the function F4 key and the application you’re using will close.</p>\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 is smart enough to ask you to save your work before it shuts down. It also works almost on anything right from your browser to games and custom applications.</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\">9. Ctrl + F : Find</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\">You know you just wrote that sentence, and now you can’t find it! Or you really need to find a particular keyword in a document or a browser? Ctrl + F is the handy shortcut that will open a quick bar where you can type in the keyword, and it will show you all the results in the document matching your request.</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\">10. Ctrl +H : Find and Replace</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\">You just finished your essay, and you realize you’ve been spelling the name of that scientist wrong the whole time! Now you not only need to find the keyword but replace all uses of it with something else. Not a problem at all. The Ctrl + H shortcut comes in handy here.</p>\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 hit the keys and a box will open. You can simply type in the word that you need to find and replace. This works for most document types.</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.lifehack.org/804145/windows-keyboard-shortcuts\">click here.</a></p>\n<!-- /wp:paragraph -->','Top 10 Computer Shortcuts','','publish','closed','closed','','top-10-computer-shortcuts','','','2023-01-25 19:18:26','2023-01-25 19:18:26','',0,'http://smartinsurance.tips/?p=2941',0,'post','',0),(2942,1,'2023-01-25 19:13:33','2023-01-25 19:13:33','','My-project-1-36','','inherit','closed','closed','','my-project-1-36','','','2023-01-25 19:13:33','2023-01-25 19:13:33','',2941,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-36.png',0,'attachment','image/png',0),(2943,1,'2023-01-25 19:18:26','2023-01-25 19:18:26','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These are the most basic shortcuts and ones you’ll likely have heard of. They are key in moving through your work quickly and easily.</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\":2942,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-36.png\" alt=\"\" class=\"wp-image-2942\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">1. Ctrl+Z : Undo</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\">Irrespective of what you are doing, or where you are doing it, Ctrl + Z is a lifesaver. One possibly can’t survive without this function.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whatever program you’re running, this function helps you get back to your last input. So don’t worry about all the mistakes as this particular shortcut will save you every time.</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\">2. Ctrl + A : Select All</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\">Again, irrespective of which program you are running, this shortcut key selects all of the text, files, folders, or elements in any given program or page.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Instead of spending your time dragging your mouse all over the page, use this to grab everything in one go.</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\">3. Ctrl + C : Copy</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\">You’ve selected what you wanted to. Now you’d like to copy 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\">This is probably one of the top shortcut keys people use when working on their Windows system. Easily copy whatever you like, and it stays with you until you are ready to paste it.</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\">4. Ctrl + V : Paste</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\">Easily paste all that you have copied. It could be a text, file, image, or folder. In any case, this is a very useful feature to bring everything together.</p>\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 would like to paste plain, simple text without original formatting, just add Shift to it, i.e. Ctrl + Shift + V.</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\">5. Ctrl + X : Cut</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\">Don’t want a piece of text/table/image/file in a particular place?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Simply select it and use the shortcut Ctrl + X. The piece gets removed and copied. Then, use the paste shortcut to paste it anywhere you like.</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\">6. Alt + Tab : Switch Screen/Tabs</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\">This one has been around for a while and has been enhanced with upgrades in the Windows OS. Simply press Alt and then the Tab key, and you will switch to the next tab/screen.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Holding down the Alt button and tapping on Tab let’s you move and choose between multiple screens. Talk about multi-tasking!</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\">7. Ctrl + Alt + Del : Start Task Manager</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\">What happens when an application starts to lag or stops responding, or your windows OS stands still and you can’t move a thing? You summon Ctrl + Alt + Del! When you press them together, a magical box called the task manager opens 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\">You can then check out which programs/apps were making your PC slow and shut them down from the task manager itself, bringing your PC back to life.</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\">8. Alt + F4 : Close App</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\">This shortcut has been around for decades now! Simply press Alt plus the function F4 key and the application you’re using will close.</p>\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 is smart enough to ask you to save your work before it shuts down. It also works almost on anything right from your browser to games and custom applications.</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\">9. Ctrl + F : Find</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\">You know you just wrote that sentence, and now you can’t find it! Or you really need to find a particular keyword in a document or a browser? Ctrl + F is the handy shortcut that will open a quick bar where you can type in the keyword, and it will show you all the results in the document matching your request.</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\">10. Ctrl +H : Find and Replace</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\">You just finished your essay, and you realize you’ve been spelling the name of that scientist wrong the whole time! Now you not only need to find the keyword but replace all uses of it with something else. Not a problem at all. The Ctrl + H shortcut comes in handy here.</p>\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 hit the keys and a box will open. You can simply type in the word that you need to find and replace. This works for most document types.</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.lifehack.org/804145/windows-keyboard-shortcuts\">click here.</a></p>\n<!-- /wp:paragraph -->','Top 10 Computer Shortcuts','','inherit','closed','closed','','2941-revision-v1','','','2023-01-25 19:18:26','2023-01-25 19:18:26','',2941,'http://smartinsurance.tips/?p=2943',0,'revision','',0),(2944,1,'2023-01-25 19:27:30','2023-01-25 19:27:30','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2945,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-37.png\" alt=\"\" class=\"wp-image-2945\"/></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\">When it comes to the question of how much you should contribute to their 401(k) account, the best answer is usually as much as you can. But that amount may differ based on your age and current financial circumstances. Additionally, the pre-tax annual contribution limit for 2022 is $20,500, although older workers may add 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\">Most employees contributing to a 401(k) typically contribute a certain percentage of their salary up to the annual maximum allowed. Many financial advisors recommend deferring between 10 and 15 percent of your salary into a 401(k), but the percentage that is right for you depends on the following three factors:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Your age:</strong> The earlier you start contributing the better, due to the compounding effect of money. The fewer years you have between now and when you plan to start tapping into your 401(k) in retirement, the higher the percentage of your salary you should contribute for the years you remain in the workforce.</li><li><strong>How much of your take-home pay you can afford to contribute:</strong> This is particularly important if you are also responsible for student loans or car loans, mortgage or rent, child or doggie day care or perhaps even medical bills.</li><li><strong>Understanding what your retirement will look like and your retirement goals:</strong> Maintaining your current standard of living after retiring requires about 80 percent of your pre-retirement income. This is called a replacement ratio, and common sources of retirement funds in addition to your 401(k) include Social Security, pensions, IRAs, income from rental properties and inheritances. Having a realistic retirement goal is important and can impact your contribution decision.</li></ol>\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 can you contribute to a 401(k)?</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 IRS places contribution limits on 401(k)s: For 2022, the contribution limit is $20,500, with an additional $6,500 allowed in catch-up contributions for workers who are age 50 or 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\">How soon you are eligible to join your employer’s 401(k) depends on how the plan has been set up. Some plans allow employees to join on the first day of employment, but other plans may require up to a one-year waiting period. If your employer’s plan has a waiting period, consider setting up an IRA so that you can start saving right away.</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\">Employer matching contributions</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\">For employees who work at organizations that provide a 401(k) match, the IRS limits noted above do not include employers’ contributions. If your employer does provide a match, you should try to contribute at least as much as the company will match, since this is basically “free 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\">A common match formula is 50 cents for each dollar saved, up to 6 percent of pay. So if an employee contributes 6 percent and the employer contributes 3 percent, the employee is actually saving a total of 9 percent per year.</p>\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 employer does not offer a match, some employees have found it to be a smart move to first contribute the maximum to an IRA, and only then begin contributions to their company’s 401(k).</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 tax now or later when contributing to your 401(k)</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 sign up with your employer’s 401(k), you will need to decide if your contributions will be pre-tax or after-tax, that is, whether they go into a traditional 401(k) or a Roth 401(k), if your employer offers a Roth option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Saving on a pre-tax basis means you are deferring the tax liability on your contribution until after you retire. As an example, a worker aged 50-plus in the 12 percent tax bracket (married filing jointly) with $80,000 in taxable income who defers the maximum for 2022 – $27,000 – will reduce their tax bill by $3,240.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Saving for retirement on an after-tax basis in a Roth 401(k) means you pay taxes on your contributions now, at your current tax rate, so that when you access the money during retirement, the withdrawals will be tax-free as long as funds have been in the account for a minimum of five tax 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\">If your employer plan allows it, you can take advantage of both types of contributions to diversify your tax position at retirement.</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\">When determining your contribution percentage, consider automatic boosts</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 2021, the average employee contribution to a Vanguard 401(k) plan was 7.3 percent of pay, according to Vanguard 401(k) data. Meanwhile, only 23 percent of 401(k) participants saved more than 10 percent of their salary for retirement in 2021.</p>\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 can’t afford to contribute that much initially, many employers will allow you to increase your contribution percentage automatically each year (up to a maximum of 10 percent), which may be a more comfortable and gradual way to increase your contribution amount.</p>\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 401(k) can be one of your best tools for creating a secure retirement. But you may want to also consider some retirement investing alternatives.</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\">Bottom line</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\">Contributing to a 401(k) account can be one of the best investments you make for your future. Even if you cannot contribute the maximum amount, starting as early as you can and being consistent with contributions throughout your career will ensure smooth sailing into retirement.</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.bankrate.com/retirement/how-much-should-you-contribute-to-401k/\">click here.</a></p>\n<!-- /wp:paragraph -->','How much should you contribute to your 401(k)?','','publish','closed','closed','','how-much-should-you-contribute-to-your-401k','','','2023-01-25 19:27:30','2023-01-25 19:27:30','',0,'http://smartinsurance.tips/?p=2944',0,'post','',0),(2945,1,'2023-01-25 19:22:46','2023-01-25 19:22:46','','My-project-1-37','','inherit','closed','closed','','my-project-1-37','','','2023-01-25 19:22:46','2023-01-25 19:22:46','',2944,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-37.png',0,'attachment','image/png',0),(2946,1,'2023-01-25 19:27:30','2023-01-25 19:27:30','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2945,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-37.png\" alt=\"\" class=\"wp-image-2945\"/></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\">When it comes to the question of how much you should contribute to their 401(k) account, the best answer is usually as much as you can. But that amount may differ based on your age and current financial circumstances. Additionally, the pre-tax annual contribution limit for 2022 is $20,500, although older workers may add 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\">Most employees contributing to a 401(k) typically contribute a certain percentage of their salary up to the annual maximum allowed. Many financial advisors recommend deferring between 10 and 15 percent of your salary into a 401(k), but the percentage that is right for you depends on the following three factors:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Your age:</strong> The earlier you start contributing the better, due to the compounding effect of money. The fewer years you have between now and when you plan to start tapping into your 401(k) in retirement, the higher the percentage of your salary you should contribute for the years you remain in the workforce.</li><li><strong>How much of your take-home pay you can afford to contribute:</strong> This is particularly important if you are also responsible for student loans or car loans, mortgage or rent, child or doggie day care or perhaps even medical bills.</li><li><strong>Understanding what your retirement will look like and your retirement goals:</strong> Maintaining your current standard of living after retiring requires about 80 percent of your pre-retirement income. This is called a replacement ratio, and common sources of retirement funds in addition to your 401(k) include Social Security, pensions, IRAs, income from rental properties and inheritances. Having a realistic retirement goal is important and can impact your contribution decision.</li></ol>\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 can you contribute to a 401(k)?</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 IRS places contribution limits on 401(k)s: For 2022, the contribution limit is $20,500, with an additional $6,500 allowed in catch-up contributions for workers who are age 50 or 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\">How soon you are eligible to join your employer’s 401(k) depends on how the plan has been set up. Some plans allow employees to join on the first day of employment, but other plans may require up to a one-year waiting period. If your employer’s plan has a waiting period, consider setting up an IRA so that you can start saving right away.</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\">Employer matching contributions</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\">For employees who work at organizations that provide a 401(k) match, the IRS limits noted above do not include employers’ contributions. If your employer does provide a match, you should try to contribute at least as much as the company will match, since this is basically “free 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\">A common match formula is 50 cents for each dollar saved, up to 6 percent of pay. So if an employee contributes 6 percent and the employer contributes 3 percent, the employee is actually saving a total of 9 percent per year.</p>\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 employer does not offer a match, some employees have found it to be a smart move to first contribute the maximum to an IRA, and only then begin contributions to their company’s 401(k).</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 tax now or later when contributing to your 401(k)</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 sign up with your employer’s 401(k), you will need to decide if your contributions will be pre-tax or after-tax, that is, whether they go into a traditional 401(k) or a Roth 401(k), if your employer offers a Roth option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Saving on a pre-tax basis means you are deferring the tax liability on your contribution until after you retire. As an example, a worker aged 50-plus in the 12 percent tax bracket (married filing jointly) with $80,000 in taxable income who defers the maximum for 2022 – $27,000 – will reduce their tax bill by $3,240.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Saving for retirement on an after-tax basis in a Roth 401(k) means you pay taxes on your contributions now, at your current tax rate, so that when you access the money during retirement, the withdrawals will be tax-free as long as funds have been in the account for a minimum of five tax 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\">If your employer plan allows it, you can take advantage of both types of contributions to diversify your tax position at retirement.</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\">When determining your contribution percentage, consider automatic boosts</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 2021, the average employee contribution to a Vanguard 401(k) plan was 7.3 percent of pay, according to Vanguard 401(k) data. Meanwhile, only 23 percent of 401(k) participants saved more than 10 percent of their salary for retirement in 2021.</p>\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 can’t afford to contribute that much initially, many employers will allow you to increase your contribution percentage automatically each year (up to a maximum of 10 percent), which may be a more comfortable and gradual way to increase your contribution amount.</p>\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 401(k) can be one of your best tools for creating a secure retirement. But you may want to also consider some retirement investing alternatives.</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\">Bottom line</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\">Contributing to a 401(k) account can be one of the best investments you make for your future. Even if you cannot contribute the maximum amount, starting as early as you can and being consistent with contributions throughout your career will ensure smooth sailing into retirement.</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.bankrate.com/retirement/how-much-should-you-contribute-to-401k/\">click here.</a></p>\n<!-- /wp:paragraph -->','How much should you contribute to your 401(k)?','','inherit','closed','closed','','2944-revision-v1','','','2023-01-25 19:27:30','2023-01-25 19:27:30','',2944,'http://smartinsurance.tips/?p=2946',0,'revision','',0),(2947,1,'2023-01-25 19:36:00','2023-01-25 19:36:00','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">February\'s here, which means at least six more weeks of winter. Now\'s the time to take care of some end-of-the-season indoor projects, and start looking forward to the joys spring brings.</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\":2948,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-38.png\" alt=\"\" class=\"wp-image-2948\"/></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\">Though it’s the shortest month of the year, there’s still plenty to be done in February, including organizing the contents of drawers and closets, and preparing last year’s taxes and this year’s gardens. Warm weather will be here before we know it, which is why now’s also the time to repair window screens, clean garden tools, and prepare for another season of outdoor 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\"><strong>1. Plan Your Garden</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\">While it is too early to think about planting a garden (at least that’s true in most parts of the country), it’s not too early to start planning one. Now is a great time to order seed catalogs and shop online retailers and start choosing the flowers and vegetables for this summer’s garden beds. Starting seeds indoors in February will give them just enough time to sprout and mature for transplanting come planting season. Be sure to check the first and last frost dates for your USDA hardiness zone so that you’ll time your starts correctly.</p>\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>2. Store More in the Kitchen</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\">A cluttered kitchen can disrupt a cook’s workflow. Take control of disorganized pots and pans and disorderly drawers by putting unused kitchen space to use: Consider installing a metallic knife rack, for example, or hanging a pegboard on which you can corral tools and pans.</p>\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>3. Turn Your Mind Toward Taxes</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\">While you’re in an organizing frame of mind, start collecting bank and investment statements, charitable contribution receipts, and everything else you or your accountant will need to prepare your taxes. This is particularly important if you sold or purchased a home last year, or if you made updates to your home that entitle you to a tax credit or deduction.</p>\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>4. Clean Your Cleaning Tools</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\">Chances are, your cleaning tools and appliances got quite a workout over the holidays. Have they been looking a little gunky since then? Take these simple steps to keep from spreading dirt throughout your house: change your vacuum filter, launder your mop head in the washing machine, wash and dry your broom bristles, and replace all of your dish sponges. While you’re at it, do an inventory of your cleaning sprays and potions, and restock any dwindled supplies. Now you’re ready for spring cleaning!</p>\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>5. Upgrade Your Home Theater System</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\">If winter’s rain, sleet, and snow has you hiding indoors, a TV outfitted with an updated sound system will help you pass the time. Turn your living room into the best ticket in town by installing a better home theater system. While you’re poking around behind your receiver and under your TV, take the time to tuck the cords and wires out of sight.</p>\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>6. Carve Out a Place to Hang Your Hat</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\">By mid-winter, our home entryways are usually overrun with boots, coats, and scarves, and gloves. Clean it up by converting a closet into a mudroom: Remove the door and fit the interior space with shelves, cubbies, and a storage bench. For a less drastic change, buy a new coat rack or fashion a new organizer for boots and shoes.</p>\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>7. Check the Washer Hose for Wear</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\">Be honest, when was the last time you looked at any of the hoses or cords in your laundry room? When a washing machine leaks, the culprit is sometimes a cracked washer hose. It’s a good idea to check these connectors periodically to ensure that they are not worn or cracking, and now is as good a time as any. This inspection involves moving the washer away from the wall and giving the washing machine hose a once-over. If you see signs of wear you’ll want to replace the hose but before you do, shut off both the water and the power to the machine.</p>\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>8. Mend Window Screens</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\">Spring is on the way, and that means you’ll be opening the windows again to get some fresh air into the house. Before you do, check for torn or missing window screens and replace or repair any that need it. If you notice discolored wood around the windows, it could be a sign of moisture or rot. Make a note of any damaged areas and identify the source of the leak in order to prevent additional damage. Repair the rotted wood along the interior or exterior of the house as the weather allows.</p>\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>9. Sharpen and Scrub Your Garden Tools</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\">Before giving your garden tools a workout this spring, take a little time to recondition them now. Dull blades should be sharpened and broken tools and handles must be repaired. Tools with moving parts, like shears and loppers, should be properly oiled to keep them in peak condition.</p>\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>10. Flip the Mattress</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\">Flipping your mattress every 6 months makes it last longer. By changing the orientation of the mattress, you’ll distribute weight and wear more evenly and thereby prevent it from sagging. Keep in mind that not all mattresses can be flipped. If that’s true of your model, rotate it 180 degrees.</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.bobvila.com/articles/february-must-dos/\">click here.</a></p>\n<!-- /wp:paragraph -->','10 “Must Do” Projects for February','','publish','closed','closed','','10-must-do-projects-for-february','','','2023-01-25 19:36:00','2023-01-25 19:36:00','',0,'http://smartinsurance.tips/?p=2947',0,'post','',0),(2948,1,'2023-01-25 19:30:38','2023-01-25 19:30:38','','My-project-1-38','','inherit','closed','closed','','my-project-1-38','','','2023-01-25 19:30:38','2023-01-25 19:30:38','',2947,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-38.png',0,'attachment','image/png',0),(2949,1,'2023-01-25 19:36:00','2023-01-25 19:36:00','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">February\'s here, which means at least six more weeks of winter. Now\'s the time to take care of some end-of-the-season indoor projects, and start looking forward to the joys spring brings.</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\":2948,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-38.png\" alt=\"\" class=\"wp-image-2948\"/></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\">Though it’s the shortest month of the year, there’s still plenty to be done in February, including organizing the contents of drawers and closets, and preparing last year’s taxes and this year’s gardens. Warm weather will be here before we know it, which is why now’s also the time to repair window screens, clean garden tools, and prepare for another season of outdoor 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\"><strong>1. Plan Your Garden</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\">While it is too early to think about planting a garden (at least that’s true in most parts of the country), it’s not too early to start planning one. Now is a great time to order seed catalogs and shop online retailers and start choosing the flowers and vegetables for this summer’s garden beds. Starting seeds indoors in February will give them just enough time to sprout and mature for transplanting come planting season. Be sure to check the first and last frost dates for your USDA hardiness zone so that you’ll time your starts correctly.</p>\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>2. Store More in the Kitchen</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\">A cluttered kitchen can disrupt a cook’s workflow. Take control of disorganized pots and pans and disorderly drawers by putting unused kitchen space to use: Consider installing a metallic knife rack, for example, or hanging a pegboard on which you can corral tools and pans.</p>\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>3. Turn Your Mind Toward Taxes</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\">While you’re in an organizing frame of mind, start collecting bank and investment statements, charitable contribution receipts, and everything else you or your accountant will need to prepare your taxes. This is particularly important if you sold or purchased a home last year, or if you made updates to your home that entitle you to a tax credit or deduction.</p>\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>4. Clean Your Cleaning Tools</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\">Chances are, your cleaning tools and appliances got quite a workout over the holidays. Have they been looking a little gunky since then? Take these simple steps to keep from spreading dirt throughout your house: change your vacuum filter, launder your mop head in the washing machine, wash and dry your broom bristles, and replace all of your dish sponges. While you’re at it, do an inventory of your cleaning sprays and potions, and restock any dwindled supplies. Now you’re ready for spring cleaning!</p>\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>5. Upgrade Your Home Theater System</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\">If winter’s rain, sleet, and snow has you hiding indoors, a TV outfitted with an updated sound system will help you pass the time. Turn your living room into the best ticket in town by installing a better home theater system. While you’re poking around behind your receiver and under your TV, take the time to tuck the cords and wires out of sight.</p>\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>6. Carve Out a Place to Hang Your Hat</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\">By mid-winter, our home entryways are usually overrun with boots, coats, and scarves, and gloves. Clean it up by converting a closet into a mudroom: Remove the door and fit the interior space with shelves, cubbies, and a storage bench. For a less drastic change, buy a new coat rack or fashion a new organizer for boots and shoes.</p>\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>7. Check the Washer Hose for Wear</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\">Be honest, when was the last time you looked at any of the hoses or cords in your laundry room? When a washing machine leaks, the culprit is sometimes a cracked washer hose. It’s a good idea to check these connectors periodically to ensure that they are not worn or cracking, and now is as good a time as any. This inspection involves moving the washer away from the wall and giving the washing machine hose a once-over. If you see signs of wear you’ll want to replace the hose but before you do, shut off both the water and the power to the machine.</p>\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>8. Mend Window Screens</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\">Spring is on the way, and that means you’ll be opening the windows again to get some fresh air into the house. Before you do, check for torn or missing window screens and replace or repair any that need it. If you notice discolored wood around the windows, it could be a sign of moisture or rot. Make a note of any damaged areas and identify the source of the leak in order to prevent additional damage. Repair the rotted wood along the interior or exterior of the house as the weather allows.</p>\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>9. Sharpen and Scrub Your Garden Tools</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\">Before giving your garden tools a workout this spring, take a little time to recondition them now. Dull blades should be sharpened and broken tools and handles must be repaired. Tools with moving parts, like shears and loppers, should be properly oiled to keep them in peak condition.</p>\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>10. Flip the Mattress</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\">Flipping your mattress every 6 months makes it last longer. By changing the orientation of the mattress, you’ll distribute weight and wear more evenly and thereby prevent it from sagging. Keep in mind that not all mattresses can be flipped. If that’s true of your model, rotate it 180 degrees.</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.bobvila.com/articles/february-must-dos/\">click here.</a></p>\n<!-- /wp:paragraph -->','10 “Must Do” Projects for February','','inherit','closed','closed','','2947-revision-v1','','','2023-01-25 19:36:00','2023-01-25 19:36:00','',2947,'http://smartinsurance.tips/?p=2949',0,'revision','',0),(2950,1,'2023-01-25 20:07:12','2023-01-25 20:07:12','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2951,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-39.png\" alt=\"\" class=\"wp-image-2951\"/></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 like most business owners, you’re constantly looking for ways to engage your existing and potential customers. Valentine’s Day is the perfect holiday to reach out to your customers, even if your business isn’t directly related to the industries that usually benefit from this holiday.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We’ve come up with a list of 32+ Valentine’s Day marketing ideas to add to your February marketing that you can execute easily. This includes:</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>Industry-specific ideas</li><li>Versatile ideas</li><li>Last-minute ideas</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\">Let’s jump 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\">Industry-specific Valentine’s Day marketing ideas</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\">There are countless Valentine’s Day promotions that you run this month to engage and connect with your audience in fun and creative ways. Here are some industry-specific ideas:</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\"><strong>Fitness centers</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>Host a special Valentine’s Day class for couples.</li><li>Run a workout to show your body some love.</li><li>Run a workout series to burn off all those sweets. </li><li>Create a Valentine’s Day playlist for your classes.</li><li>Promote a hot [calorie]-burning love workout or referral program</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Massage therapists and spas</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>Take a percentage off couples massages or run a couples massage class.</li><li>Run a buy one for someone else, get yours half off sales promotion.</li><li>Offer chocolate facials (yes, they’re a thing).</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Restaurants</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>Run a couples cooking class.</li><li>Throw in a little special something to your delivery or curbside orders.</li><li>Add heart-shaped or red/pink items to your menu.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Photographers</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\">Valentine’s Day is one of those holidays that falls in the middle of the significance scale. Your audience might want to do just a&nbsp;<em>little</em>&nbsp;something special on or for this day—but nothing major—which opens up an opportunity for you to run mini deals.</p>\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, photographers can do quick 30-minute sessions at half price. This way, you can attract interested prospects at a low commitment or cost, who may potentially return to you for larger holidays and events.</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\"><strong>Service-based businesses</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>Be transparent and ask customers for reviews or testimonial videos.</li><li>Position a safe/clean home as the best way to love your family members.</li><li>Offer deals around showing your home/computer/car some love.</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\">Versatile Valentine’s Day marketing ideas</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\">No matter what kind of business you run, there are different ways to promote your business and stand out to your audience on and around Valentine’s Day.</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\"><strong>Valentine’s day gift guides…</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\">Consumers are forever in search of the perfect gift for their loved ones and significant others. Take advantage of this by creating a blog post or downloadable gift guide. Include items that you offer as well as those you don’t offer.</p>\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 goal is for you to build trust by helping your customers find something they’ll want to give to their loved ones; not necessarily to sell or promote your products directly. Remember to share your gift ideas in your on all your social media platforms and even through promotional emails.</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\"><strong>Couples-themed posts and promotions</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\">Of course, one of the most obvious ways to incorporate Valentine’s Day into your February marketing is through a couples theme. The business below got creative and asked its audience to comment with their favorite “couple” of smartwatches for a chance to win 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\"><strong>Valentine’s Day visuals</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\">Catch your audience’s eye with attractive Valentine’s Day-themed graphics. And think outside the pink hearts, candy, and chocolate box.</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\"><strong>Promote or give away a product</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\">Does your business have any products or services that support Valentine’s Day themes? Promote or sell them on Facebook or run a giveaway. Think love, pink, hearts, friendship, teddy bears, flowers…you know the deal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Note that you can run a Valentine’s Day contest or giveaway using any of your products. That’s the beauty of holidays!</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\"><strong>Run a craft tutorial</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\">If art, decorations, gift-giving, bouquets, or design are relevant to your business or audience, why not post a DIY tutorial on a Valentine’s Day craft? Video can help to engage your audience and reveal your business’s personality. Try a Facebook Live or Instagram Live session.</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\">Last-minute Valentine’s Day marketing ideas</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\">Were you too busy doing your January marketing to plan for February? Don’t worry, we’ve got some last-minute ideas to help you market your local business and build your brand.</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\"><strong>Accommodate last-minute shoppers</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\">Did you know that more than 60% of Valentine’s Day spending occurs on or within five days of the 14th? So your last-minute offers may even see more success than deals offered earlier in the month. Accommodate these shoppers by:</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>Extending your hours on Valentine’s Day (be sure to update your hours in your Google Business Profile).</li><li>Create a post on social media encouraging your followers to just go for it with that gift. You may inspire them to stop in your store or redeem your online offer on their way to their Valentine’s date.</li><li>Remind your audience that they only have x hours left to use this day to tell loved ones how much they care. Stir up some excitement and urgency around the holiday, and you’ll be sure to get some engagement.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Show your customers some love</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\">Even if your products or services aren’t related to the holiday, you can still carry out creative and effective marketing on Valentine’s Day. For example:</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>Instead of encouraging your customers to buy gifts for their significant others, give a gift to them! Send out an email with a deal or coupon to show your customers some love. </li><li>Hand out free swag with purchases at your store.</li><li>Or simply throw an extra perk or two into an order, free of charge.</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\">Showing customer appreciation strengthens your relationship with them and builds loyalty, and Valentine’s Day is a great opportunity to do this.</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\"><strong>Promote a Valentine’s Day offer on Google</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\">While running a Google ad for a Valentine’s offer would be ideal, this is about <em>very</em> last-minute ideas. Thanks to the Google My Business platform, you can publish posts to your free listing that show up when customers find your business. Create an Events post to encourage attendance at an event you’re hosting, or an Offers post to expand the reach of your limited-time Valentine’s Day offer. This is a marketing bonus, as posting to your Google Business Profile is one of the many Google My Business optimizations you can perform to rank higher on Google Maps and increase your chances of getting found in local searches.</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\"><strong>Email your customers a Valentine’s Day card</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\">If you have an email list, send your subscribers a Happy Valentine’s Day card and include a special offer or promotion along with it. Again, you can market your offer as a special “gift” for your loyal customers instead of promoting products or services for your customers to buy for their loved ones. This email functions as a “Thank You” card and gives you a great excuse to reach out to your customers again in a non-intrusive way.</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\"><strong>Ask for reviews</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\">Valentine’s Day is a great day to reach out to your fans and ask them to give your business a little love in the form of a review. Not only will this help increase your positive reviews and attract more new customers, but it will also remind those who have had a good experience with your business to reengage. Customers are generally happy to write reviews, you just need to know how to ask for them.</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\">Valentine’s Day marketing ideas [recap]</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 create products that can be customized for Valentine’s Day or run a business completely unrelated to the holiday, there are plenty of options for Valentine’s Day marketing. We covered a lot in this post, and you can find even more in this list of February social media post ideas, but here’s a general list that sums it up.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li>Industry-specific Valentine’s Day promotions</li><li>Create a Valentine’s Day gift guide</li><li>Drop your customers a hint</li><li>Run couples-themed posts and promotions</li><li>Create appealing Valentine’s Day visuals</li><li>Promote or give away a product</li><li>Run a craft tutorial</li><li>Accommodate last-minute shoppers</li><li>Show your customers some love</li><li>Promote a Valentine’s Day offer on Google</li><li>Email your customers a Valentine’s Day card</li><li>Ask for some love in the form of reviews</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.wordstream.com/blog/ws/2021/01/25/valentines-day-marketing-ideas\">click here.</a></p>\n<!-- /wp:paragraph -->','Valentine’s Day Marketing Ideas Your Customers Will Love','','publish','closed','closed','','valentines-day-marketing-ideas-your-customers-will-love','','\nhttps://www.wordstream.com/blog/ws/2021/01/25/valentines-day-marketing-ideas','2023-01-25 20:07:12','2023-01-25 20:07:12','',0,'http://smartinsurance.tips/?p=2950',0,'post','',0),(2951,1,'2023-01-25 19:46:31','2023-01-25 19:46:31','','My-project-1-39','','inherit','closed','closed','','my-project-1-39','','','2023-01-25 19:46:31','2023-01-25 19:46:31','',2950,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-39.png',0,'attachment','image/png',0),(2952,1,'2023-01-25 20:07:12','2023-01-25 20:07:12','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2951,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-39.png\" alt=\"\" class=\"wp-image-2951\"/></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 like most business owners, you’re constantly looking for ways to engage your existing and potential customers. Valentine’s Day is the perfect holiday to reach out to your customers, even if your business isn’t directly related to the industries that usually benefit from this holiday.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We’ve come up with a list of 32+ Valentine’s Day marketing ideas to add to your February marketing that you can execute easily. This includes:</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>Industry-specific ideas</li><li>Versatile ideas</li><li>Last-minute ideas</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\">Let’s jump 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\">Industry-specific Valentine’s Day marketing ideas</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\">There are countless Valentine’s Day promotions that you run this month to engage and connect with your audience in fun and creative ways. Here are some industry-specific ideas:</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\"><strong>Fitness centers</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>Host a special Valentine’s Day class for couples.</li><li>Run a workout to show your body some love.</li><li>Run a workout series to burn off all those sweets. </li><li>Create a Valentine’s Day playlist for your classes.</li><li>Promote a hot [calorie]-burning love workout or referral program</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Massage therapists and spas</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>Take a percentage off couples massages or run a couples massage class.</li><li>Run a buy one for someone else, get yours half off sales promotion.</li><li>Offer chocolate facials (yes, they’re a thing).</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Restaurants</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>Run a couples cooking class.</li><li>Throw in a little special something to your delivery or curbside orders.</li><li>Add heart-shaped or red/pink items to your menu.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Photographers</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\">Valentine’s Day is one of those holidays that falls in the middle of the significance scale. Your audience might want to do just a&nbsp;<em>little</em>&nbsp;something special on or for this day—but nothing major—which opens up an opportunity for you to run mini deals.</p>\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, photographers can do quick 30-minute sessions at half price. This way, you can attract interested prospects at a low commitment or cost, who may potentially return to you for larger holidays and events.</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\"><strong>Service-based businesses</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>Be transparent and ask customers for reviews or testimonial videos.</li><li>Position a safe/clean home as the best way to love your family members.</li><li>Offer deals around showing your home/computer/car some love.</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\">Versatile Valentine’s Day marketing ideas</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\">No matter what kind of business you run, there are different ways to promote your business and stand out to your audience on and around Valentine’s Day.</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\"><strong>Valentine’s day gift guides…</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\">Consumers are forever in search of the perfect gift for their loved ones and significant others. Take advantage of this by creating a blog post or downloadable gift guide. Include items that you offer as well as those you don’t offer.</p>\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 goal is for you to build trust by helping your customers find something they’ll want to give to their loved ones; not necessarily to sell or promote your products directly. Remember to share your gift ideas in your on all your social media platforms and even through promotional emails.</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\"><strong>Couples-themed posts and promotions</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\">Of course, one of the most obvious ways to incorporate Valentine’s Day into your February marketing is through a couples theme. The business below got creative and asked its audience to comment with their favorite “couple” of smartwatches for a chance to win 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\"><strong>Valentine’s Day visuals</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\">Catch your audience’s eye with attractive Valentine’s Day-themed graphics. And think outside the pink hearts, candy, and chocolate box.</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\"><strong>Promote or give away a product</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\">Does your business have any products or services that support Valentine’s Day themes? Promote or sell them on Facebook or run a giveaway. Think love, pink, hearts, friendship, teddy bears, flowers…you know the deal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Note that you can run a Valentine’s Day contest or giveaway using any of your products. That’s the beauty of holidays!</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\"><strong>Run a craft tutorial</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\">If art, decorations, gift-giving, bouquets, or design are relevant to your business or audience, why not post a DIY tutorial on a Valentine’s Day craft? Video can help to engage your audience and reveal your business’s personality. Try a Facebook Live or Instagram Live session.</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\">Last-minute Valentine’s Day marketing ideas</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\">Were you too busy doing your January marketing to plan for February? Don’t worry, we’ve got some last-minute ideas to help you market your local business and build your brand.</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\"><strong>Accommodate last-minute shoppers</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\">Did you know that more than 60% of Valentine’s Day spending occurs on or within five days of the 14th? So your last-minute offers may even see more success than deals offered earlier in the month. Accommodate these shoppers by:</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>Extending your hours on Valentine’s Day (be sure to update your hours in your Google Business Profile).</li><li>Create a post on social media encouraging your followers to just go for it with that gift. You may inspire them to stop in your store or redeem your online offer on their way to their Valentine’s date.</li><li>Remind your audience that they only have x hours left to use this day to tell loved ones how much they care. Stir up some excitement and urgency around the holiday, and you’ll be sure to get some engagement.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Show your customers some love</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\">Even if your products or services aren’t related to the holiday, you can still carry out creative and effective marketing on Valentine’s Day. For example:</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>Instead of encouraging your customers to buy gifts for their significant others, give a gift to them! Send out an email with a deal or coupon to show your customers some love. </li><li>Hand out free swag with purchases at your store.</li><li>Or simply throw an extra perk or two into an order, free of charge.</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\">Showing customer appreciation strengthens your relationship with them and builds loyalty, and Valentine’s Day is a great opportunity to do this.</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\"><strong>Promote a Valentine’s Day offer on Google</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\">While running a Google ad for a Valentine’s offer would be ideal, this is about <em>very</em> last-minute ideas. Thanks to the Google My Business platform, you can publish posts to your free listing that show up when customers find your business. Create an Events post to encourage attendance at an event you’re hosting, or an Offers post to expand the reach of your limited-time Valentine’s Day offer. This is a marketing bonus, as posting to your Google Business Profile is one of the many Google My Business optimizations you can perform to rank higher on Google Maps and increase your chances of getting found in local searches.</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\"><strong>Email your customers a Valentine’s Day card</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\">If you have an email list, send your subscribers a Happy Valentine’s Day card and include a special offer or promotion along with it. Again, you can market your offer as a special “gift” for your loyal customers instead of promoting products or services for your customers to buy for their loved ones. This email functions as a “Thank You” card and gives you a great excuse to reach out to your customers again in a non-intrusive way.</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\"><strong>Ask for reviews</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\">Valentine’s Day is a great day to reach out to your fans and ask them to give your business a little love in the form of a review. Not only will this help increase your positive reviews and attract more new customers, but it will also remind those who have had a good experience with your business to reengage. Customers are generally happy to write reviews, you just need to know how to ask for them.</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\">Valentine’s Day marketing ideas [recap]</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 create products that can be customized for Valentine’s Day or run a business completely unrelated to the holiday, there are plenty of options for Valentine’s Day marketing. We covered a lot in this post, and you can find even more in this list of February social media post ideas, but here’s a general list that sums it up.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li>Industry-specific Valentine’s Day promotions</li><li>Create a Valentine’s Day gift guide</li><li>Drop your customers a hint</li><li>Run couples-themed posts and promotions</li><li>Create appealing Valentine’s Day visuals</li><li>Promote or give away a product</li><li>Run a craft tutorial</li><li>Accommodate last-minute shoppers</li><li>Show your customers some love</li><li>Promote a Valentine’s Day offer on Google</li><li>Email your customers a Valentine’s Day card</li><li>Ask for some love in the form of reviews</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.wordstream.com/blog/ws/2021/01/25/valentines-day-marketing-ideas\">click here.</a></p>\n<!-- /wp:paragraph -->','Valentine’s Day Marketing Ideas Your Customers Will Love','','inherit','closed','closed','','2950-revision-v1','','','2023-01-25 20:07:12','2023-01-25 20:07:12','',2950,'http://smartinsurance.tips/?p=2952',0,'revision','',0),(2953,1,'2023-01-25 20:19:19','2023-01-25 20:19:19','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Valentine’s Day, like every other recent holiday, will look pretty different this year — and this may be especially true for anyone who’s been looking for love throughout the pandemic.</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\":2954,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-40.png\" alt=\"\" class=\"wp-image-2954\"/></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\">After all, finding that special someone is difficult enough without the awkward hurdle of having to meet them for the first time on a video call. But at least if it isn’t going well, you can just say that your internet died instead of trying to leave through the fire escape.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Admittedly, as cyber security experts, we may not be the first people you’d think to turn to for advice about love and dating. But we can at least tell you how you can go about it in a secure way online. Whether this is your first or fifteenth date, here’s how to enjoy a cyber secure Valentine’s.</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\">Protect your heart (and your network)</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\">Sure, newfound love is exciting. But don’t fall too fast. Slow things down by taking some pre-emptive measures to secure your home network before you get on a call. You can do this by making sure your network <a href=\"https://www.getcybersafe.gc.ca/#defn-network\"></a> devices are up to date and that your router <a href=\"https://www.getcybersafe.gc.ca/#defn-router\"></a>’s username and password <a href=\"https://www.getcybersafe.gc.ca/#defn-password\"></a> have been changed from the default <a href=\"https://www.getcybersafe.gc.ca/#defn-default\"></a> names given by your service provider to something unique.</p>\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 meeting with someone that you don’t know very well or if you’re video chatting with your date somewhere outside of your home, you should also consider using a virtual private network (VPN). VPNs essentially hide your IP address <a href=\"https://www.getcybersafe.gc.ca/#defn-ip-address\"></a> from potential cyber criminals so that they can’t find or connect with you. This will help keep your private information protected, even if you’re using public Wi-Fi <a href=\"https://www.getcybersafe.gc.ca/#defn-wi-fi\"></a>.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Basically, when it comes to your date, feel free to spend it sharing as many personal stories about your beloved schnauzer as you’d like, as long as you’re protecting your online privacy at the same 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\">Beware of love at first click</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 be feeling the love this Valentine’s Day, but cyber criminals definitely aren’t. Hackers will try to exploit <a href=\"https://www.getcybersafe.gc.ca/#defn-exploit\"></a> any holiday, and this one is certainly no exception. Stay vigilant by keeping an eye out for phishing <a href=\"https://www.getcybersafe.gc.ca/#defn-phishing\"></a> messages from suspicious senders. They may come as emails, texts or even direct messages on a dating app to try to seem more legitimate. Be on the lookout for signs of phishing like typos, pixelated images or absurd threats. Whatever you do, don’t click on any links or give out any information to messages that seem fishy to 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\">You should also be suspicious of a “date” who tries to pressure you into sending odd gifts before you’ve even met – like sending an e-transfer or prepaid gift cards. The same goes for intrusive requests for personal information that no one would normally need to know, like your mother’s maiden name, your social insurance number or your credit card information. No real love connection would ask you for this kind of information. If it doesn’t feel right, trust your heart (and this blog post) and know that they aren’t the one.</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\">Plan the perfect (virtual) date</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\">So, you’ve set up your home network, vetted your date, and now you’re ready to talk. What’s next? You can start to plan your perfect virtual date night by making sure your operating system <a href=\"https://www.getcybersafe.gc.ca/#defn-operating-system\"></a>’s software <a href=\"https://www.getcybersafe.gc.ca/#defn-software\"></a> is up to date, along with any video chat <a href=\"https://www.getcybersafe.gc.ca/#defn-chat\"></a> apps that you might be using. Running software updates is essential to your device’s overall functionality. Not only do they often come with cool new features and settings, but they also include critical bug fixes and security updates. You can save time by setting updates to run automatically or running the updates as soon as your device prompts 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 same goes for any apps that you might be using to chat. Ensuring that they’re updated can help you stay secure while you’re chatting and potentially reduce the risk of a dropped call interrupting your conversation.</p>\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 successfully survived your first (and hopefully last) physically distanced Valentine’s Day, don’t forget to cover your webcam&nbsp;<a href=\"https://www.getcybersafe.gc.ca/#defn-webcam\"><sup></sup></a>&nbsp;after you hang up. Lonely-hearted hackers could turn your cameras on when you don’t expect it – and you can trust us when we say that they definitely aren’t looking for love.</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\">Conclusion</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\">Finding love may be a challenge this Valentine’s Day but staying cyber secure while you’re looking for it doesn’t have to be. By doing your part to protect your heart (and just as importantly, your devices), you’ll be all set for a physically distanced date. Just be your most cyber safe self and you’ll be fine.</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.getcybersafe.gc.ca/en/blogs/how-enjoy-safe-physically-distanced-valentines-day\">click here.</a></p>\n<!-- /wp:paragraph -->','How to enjoy a safe, physically distanced Valentine’s Day','','publish','closed','closed','','how-to-enjoy-a-safe-physically-distanced-valentines-day','','','2023-01-25 20:19:19','2023-01-25 20:19:19','',0,'http://smartinsurance.tips/?p=2953',0,'post','',0),(2954,1,'2023-01-25 20:17:03','2023-01-25 20:17:03','','My-project-1-40','','inherit','closed','closed','','my-project-1-40','','','2023-01-25 20:17:03','2023-01-25 20:17:03','',2953,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-40.png',0,'attachment','image/png',0),(2955,1,'2023-01-25 20:19:19','2023-01-25 20:19:19','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Valentine’s Day, like every other recent holiday, will look pretty different this year — and this may be especially true for anyone who’s been looking for love throughout the pandemic.</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\":2954,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-40.png\" alt=\"\" class=\"wp-image-2954\"/></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\">After all, finding that special someone is difficult enough without the awkward hurdle of having to meet them for the first time on a video call. But at least if it isn’t going well, you can just say that your internet died instead of trying to leave through the fire escape.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Admittedly, as cyber security experts, we may not be the first people you’d think to turn to for advice about love and dating. But we can at least tell you how you can go about it in a secure way online. Whether this is your first or fifteenth date, here’s how to enjoy a cyber secure Valentine’s.</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\">Protect your heart (and your network)</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\">Sure, newfound love is exciting. But don’t fall too fast. Slow things down by taking some pre-emptive measures to secure your home network before you get on a call. You can do this by making sure your network <a href=\"https://www.getcybersafe.gc.ca/#defn-network\"></a> devices are up to date and that your router <a href=\"https://www.getcybersafe.gc.ca/#defn-router\"></a>’s username and password <a href=\"https://www.getcybersafe.gc.ca/#defn-password\"></a> have been changed from the default <a href=\"https://www.getcybersafe.gc.ca/#defn-default\"></a> names given by your service provider to something unique.</p>\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 meeting with someone that you don’t know very well or if you’re video chatting with your date somewhere outside of your home, you should also consider using a virtual private network (VPN). VPNs essentially hide your IP address <a href=\"https://www.getcybersafe.gc.ca/#defn-ip-address\"></a> from potential cyber criminals so that they can’t find or connect with you. This will help keep your private information protected, even if you’re using public Wi-Fi <a href=\"https://www.getcybersafe.gc.ca/#defn-wi-fi\"></a>.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Basically, when it comes to your date, feel free to spend it sharing as many personal stories about your beloved schnauzer as you’d like, as long as you’re protecting your online privacy at the same 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\">Beware of love at first click</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 be feeling the love this Valentine’s Day, but cyber criminals definitely aren’t. Hackers will try to exploit <a href=\"https://www.getcybersafe.gc.ca/#defn-exploit\"></a> any holiday, and this one is certainly no exception. Stay vigilant by keeping an eye out for phishing <a href=\"https://www.getcybersafe.gc.ca/#defn-phishing\"></a> messages from suspicious senders. They may come as emails, texts or even direct messages on a dating app to try to seem more legitimate. Be on the lookout for signs of phishing like typos, pixelated images or absurd threats. Whatever you do, don’t click on any links or give out any information to messages that seem fishy to 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\">You should also be suspicious of a “date” who tries to pressure you into sending odd gifts before you’ve even met – like sending an e-transfer or prepaid gift cards. The same goes for intrusive requests for personal information that no one would normally need to know, like your mother’s maiden name, your social insurance number or your credit card information. No real love connection would ask you for this kind of information. If it doesn’t feel right, trust your heart (and this blog post) and know that they aren’t the one.</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\">Plan the perfect (virtual) date</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\">So, you’ve set up your home network, vetted your date, and now you’re ready to talk. What’s next? You can start to plan your perfect virtual date night by making sure your operating system <a href=\"https://www.getcybersafe.gc.ca/#defn-operating-system\"></a>’s software <a href=\"https://www.getcybersafe.gc.ca/#defn-software\"></a> is up to date, along with any video chat <a href=\"https://www.getcybersafe.gc.ca/#defn-chat\"></a> apps that you might be using. Running software updates is essential to your device’s overall functionality. Not only do they often come with cool new features and settings, but they also include critical bug fixes and security updates. You can save time by setting updates to run automatically or running the updates as soon as your device prompts 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 same goes for any apps that you might be using to chat. Ensuring that they’re updated can help you stay secure while you’re chatting and potentially reduce the risk of a dropped call interrupting your conversation.</p>\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 successfully survived your first (and hopefully last) physically distanced Valentine’s Day, don’t forget to cover your webcam&nbsp;<a href=\"https://www.getcybersafe.gc.ca/#defn-webcam\"><sup></sup></a>&nbsp;after you hang up. Lonely-hearted hackers could turn your cameras on when you don’t expect it – and you can trust us when we say that they definitely aren’t looking for love.</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\">Conclusion</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\">Finding love may be a challenge this Valentine’s Day but staying cyber secure while you’re looking for it doesn’t have to be. By doing your part to protect your heart (and just as importantly, your devices), you’ll be all set for a physically distanced date. Just be your most cyber safe self and you’ll be fine.</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.getcybersafe.gc.ca/en/blogs/how-enjoy-safe-physically-distanced-valentines-day\">click here.</a></p>\n<!-- /wp:paragraph -->','How to enjoy a safe, physically distanced Valentine’s Day','','inherit','closed','closed','','2953-revision-v1','','','2023-01-25 20:19:19','2023-01-25 20:19:19','',2953,'http://smartinsurance.tips/?p=2955',0,'revision','',0),(2956,1,'2023-01-25 20:23:54','2023-01-25 20:23:54','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2957,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-41.png\" alt=\"\" class=\"wp-image-2957\"/></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\">With Valentine’s Day just around the corner, you may be looking for ways to show your employees that you care. Instead of handing out cards, flowers, or candy, why not give them a really meaningful gift? Quint Studer says the best way to show employees love is by becoming a better version of 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\">“When we focus on becoming a better leader and a better person, we may well create a stronger company,” says Studer, author of&nbsp;<em>Wall Street Journal&nbsp;</em>bestseller&nbsp;<em>The Busy Leader’s Handbook: How to Lead People and Places That Thrive&nbsp;</em>(Wiley, October 2019, ISBN: 978-1-119-57664-8, $28.00). “That’s a great outcome for everyone. But it also allows us to do a better job of developing employees and helping them become the best they can be.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As leaders we can take people only as far as we’ve taken ourselves, insists Studer. It’s why in all of his presentations and writings he focuses on holding up the mirror: becoming self-aware, staying humble and coachable, and doing the inner work it takes to grow and improve.</p>\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 also why the first third of&nbsp;<em>The Busy Leader’s Handbook</em>&nbsp;focuses on “The Leader in You.” It’s only when we master our own attitudes, mindsets, and capabilities that we’ll be able to create the kind of positive and engaging workplace culture that allows others to put forth their best efforts, grow, thrive, and find a powerful sense of meaning.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“In the workplace, creating this kind of culture is how we show love,” says Studer. “But it begins internally, inside a leader’s heart and head.”</p>\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 some steps you can take to continue growing into a better version of yourself:</p>\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>Get your ego out of the way</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\">Great leaders bring out the best in others. This cannot happen when you’re too attached to your own ideas or convinced you’re the smartest person in the room. Pay attention to when you’re shining the spotlight on yourself and redirect to others. Focus on constant improvement and growth. Remind yourself often of all that you&nbsp;<em>don’t</em>&nbsp;know—this will help you deflate your own ego and move toward&nbsp;<em>humility</em>, which is one of the most crucial qualities a leader can possess.</p>\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>Build strong humility habits</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\">Great leadership isn’t about being right. It isn’t about being the smartest person in the room. It’s about seeing yourself as you truly are. It’s about knowing your strengths and weaknesses. It’s about taking yourself out of the center of the equation and keeping the spotlight on others. If you suspect you aren’t a humble leader, it’s absolutely crucial to work on quieting the ego so that you’re open to learning and focused on continuous improvement and growth. A few ways to get in the habit of practicing humility:</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>Give others credit by pushing compliments down to the team.</li><li>Never ask your team to do anything you aren’t willing to do yourself.</li><li>Don’t lock yourself in your office; work with the team, spend time with them, and be approachable.</li><li>Foster a culture of psychological safety so people feel “safe” enough to tell you the truth.</li><li>Don’t put yourself down or deny compliments.</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\"><strong>Pause often and connect to kindness</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\">Pauses are important. They are the space between what we want to do or say and the moment we take action. Many times, not taking action or saying the words on the tip of our tongue is the better choice. When leaders forget to pause, we can do a lot of harm. We may cause employees to become disengaged, or alienate our colleagues, or lose clients and customers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“Each day, take more time to pause,” says Studer. “In that space, decide what is needed. It could be empathy, patience, forgiveness, or something else that will improve matters greatly. But it can’t happen without the pause.”</p>\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>Each day, put yourself into “beginner’s mind”</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\">Start off each day by setting the intention to learn something new. This will serve you far better than having an attitude of “This is not what I’m interested in.” Instead, ask yourself how whatever you are learning could apply to you. If it is not useful to you now, perhaps it might become useful 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\"><strong>Regularly ask for feedback and make sure people feel safe enough to tell you the truth</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\">Whether you’re getting the team’s perspective on a decision you’re trying to make, or asking how things are going with their jobs (and your leadership) in general, it’s important to foster a culture of psychological safety. Leading with humility means always seeking out the truth, especially if it’s something you might not really want to hear.</p>\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>Build up your resilience</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 sooner you realize setbacks are going to happen, the better off you’ll be. What is most important is learning to bounce back from them. When chaos occurs within an organization, we as leaders must maintain the mental wherewithal to support and guide our teams. Our resilience grows when we have strong coping skills, a sense of optimism, grit, mental and physical stamina, and an environment with plenty of psychological safety.</p>\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>Communicate regularly, even when there isn’t any “news”</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\">Employees need to always know what is going on inside their organization. Don’t assume that your employees know certain things; chances are good that they do not. Further, don’t shy away from delivering bad news.</p>\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 things are tough, people imagine the worst,” says Studer. “Your visibility and communication are vital during these times.”</p>\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>Make your expectations clearly known</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\">Conflicts can occur when you don’t communicate what you expect from others. Vague directions (or none at all) can cause employees to make mistakes or go down the wrong path, and then you must confront them. Keep in mind that most people want to do what’s right and will do the right thing when they are clear on what the right thing is. Head off a lot of conflict by always being very clear about what you expect.</p>\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>If you make a mistake, say so</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\">Admit when you are wrong. People appreciate vulnerability in leadership. Don’t let pride control you or waste energy trying to pass yourself off as perfect. If you have made a mistake, apologize sincerely and move on. The words “I was wrong” will always serve you and can help to reset any relationships.</p>\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 willing to change your mind</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\">A byproduct of learning new information is the ability to adapt and change your mind. Many people think of strong leaders as being decisive and unwavering when there are decisions to be made. They may view changing your mind as a sign weakness. It’s not. It’s actually a sign that you can learn and grow in real time. Have the courage to course correct when new information reveals itself.</p>\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>Never run from conflict</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\">As leaders, we have to be able to handle conflict or we’re not doing our job. When leaders perpetually avoid conflict, communication breakdowns occur, important decisions are delayed or not made at all, high performers leave, and people begin to see you as a weak leader. Commit to handling conflict in a productive and healthy manner.</p>\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>Yes, it’s uncomfortable…but don’t be afraid to disrupt yourself</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\">Regularly reevaluate your department or organization. Put it on the schedule and make sure it really happens. Often, doing this helps you learn that what you believe is happening inside the company is not actually occurring. This is a great opportunity to disrupt yourself and make needed changes to keep your organization performing at its best. Push through any discomfort you feel throughout this process—remember, discomfort is normal and leaders need to get used to it. You also need to help employees get used to taking action that makes them feel unsettled.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“None of us can ever reach perfection, but great leaders commit to being their best each day,” concludes Studer. “We can keep getting better and better. It’s tough, but we really owe it to our employees. It’s how we inspire them to become their best selves as well, which is really what love looks like in action.”</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.mhwmag.com/features/show-your-employees-some-valentines-day-love-by-becoming-a-better-you/\">click here.</a></p>\n<!-- /wp:paragraph -->','Show your employees some Valentine’s Day love by becoming a better you','','publish','closed','closed','','show-your-employees-some-valentines-day-love-by-becoming-a-better-you','','\nhttps://www.mhwmag.com/features/show-your-employees-some-valentines-day-love-by-becoming-a-better-you/','2023-01-25 20:23:54','2023-01-25 20:23:54','',0,'http://smartinsurance.tips/?p=2956',0,'post','',0),(2957,1,'2023-01-25 20:21:51','2023-01-25 20:21:51','','My-project-1-41','','inherit','closed','closed','','my-project-1-41','','','2023-01-25 20:21:51','2023-01-25 20:21:51','',2956,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-41.png',0,'attachment','image/png',0),(2958,1,'2023-01-25 20:23:54','2023-01-25 20:23:54','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2957,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-41.png\" alt=\"\" class=\"wp-image-2957\"/></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\">With Valentine’s Day just around the corner, you may be looking for ways to show your employees that you care. Instead of handing out cards, flowers, or candy, why not give them a really meaningful gift? Quint Studer says the best way to show employees love is by becoming a better version of 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\">“When we focus on becoming a better leader and a better person, we may well create a stronger company,” says Studer, author of&nbsp;<em>Wall Street Journal&nbsp;</em>bestseller&nbsp;<em>The Busy Leader’s Handbook: How to Lead People and Places That Thrive&nbsp;</em>(Wiley, October 2019, ISBN: 978-1-119-57664-8, $28.00). “That’s a great outcome for everyone. But it also allows us to do a better job of developing employees and helping them become the best they can be.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As leaders we can take people only as far as we’ve taken ourselves, insists Studer. It’s why in all of his presentations and writings he focuses on holding up the mirror: becoming self-aware, staying humble and coachable, and doing the inner work it takes to grow and improve.</p>\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 also why the first third of&nbsp;<em>The Busy Leader’s Handbook</em>&nbsp;focuses on “The Leader in You.” It’s only when we master our own attitudes, mindsets, and capabilities that we’ll be able to create the kind of positive and engaging workplace culture that allows others to put forth their best efforts, grow, thrive, and find a powerful sense of meaning.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“In the workplace, creating this kind of culture is how we show love,” says Studer. “But it begins internally, inside a leader’s heart and head.”</p>\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 some steps you can take to continue growing into a better version of yourself:</p>\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>Get your ego out of the way</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\">Great leaders bring out the best in others. This cannot happen when you’re too attached to your own ideas or convinced you’re the smartest person in the room. Pay attention to when you’re shining the spotlight on yourself and redirect to others. Focus on constant improvement and growth. Remind yourself often of all that you&nbsp;<em>don’t</em>&nbsp;know—this will help you deflate your own ego and move toward&nbsp;<em>humility</em>, which is one of the most crucial qualities a leader can possess.</p>\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>Build strong humility habits</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\">Great leadership isn’t about being right. It isn’t about being the smartest person in the room. It’s about seeing yourself as you truly are. It’s about knowing your strengths and weaknesses. It’s about taking yourself out of the center of the equation and keeping the spotlight on others. If you suspect you aren’t a humble leader, it’s absolutely crucial to work on quieting the ego so that you’re open to learning and focused on continuous improvement and growth. A few ways to get in the habit of practicing humility:</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>Give others credit by pushing compliments down to the team.</li><li>Never ask your team to do anything you aren’t willing to do yourself.</li><li>Don’t lock yourself in your office; work with the team, spend time with them, and be approachable.</li><li>Foster a culture of psychological safety so people feel “safe” enough to tell you the truth.</li><li>Don’t put yourself down or deny compliments.</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\"><strong>Pause often and connect to kindness</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\">Pauses are important. They are the space between what we want to do or say and the moment we take action. Many times, not taking action or saying the words on the tip of our tongue is the better choice. When leaders forget to pause, we can do a lot of harm. We may cause employees to become disengaged, or alienate our colleagues, or lose clients and customers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“Each day, take more time to pause,” says Studer. “In that space, decide what is needed. It could be empathy, patience, forgiveness, or something else that will improve matters greatly. But it can’t happen without the pause.”</p>\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>Each day, put yourself into “beginner’s mind”</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\">Start off each day by setting the intention to learn something new. This will serve you far better than having an attitude of “This is not what I’m interested in.” Instead, ask yourself how whatever you are learning could apply to you. If it is not useful to you now, perhaps it might become useful 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\"><strong>Regularly ask for feedback and make sure people feel safe enough to tell you the truth</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\">Whether you’re getting the team’s perspective on a decision you’re trying to make, or asking how things are going with their jobs (and your leadership) in general, it’s important to foster a culture of psychological safety. Leading with humility means always seeking out the truth, especially if it’s something you might not really want to hear.</p>\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>Build up your resilience</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 sooner you realize setbacks are going to happen, the better off you’ll be. What is most important is learning to bounce back from them. When chaos occurs within an organization, we as leaders must maintain the mental wherewithal to support and guide our teams. Our resilience grows when we have strong coping skills, a sense of optimism, grit, mental and physical stamina, and an environment with plenty of psychological safety.</p>\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>Communicate regularly, even when there isn’t any “news”</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\">Employees need to always know what is going on inside their organization. Don’t assume that your employees know certain things; chances are good that they do not. Further, don’t shy away from delivering bad news.</p>\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 things are tough, people imagine the worst,” says Studer. “Your visibility and communication are vital during these times.”</p>\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>Make your expectations clearly known</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\">Conflicts can occur when you don’t communicate what you expect from others. Vague directions (or none at all) can cause employees to make mistakes or go down the wrong path, and then you must confront them. Keep in mind that most people want to do what’s right and will do the right thing when they are clear on what the right thing is. Head off a lot of conflict by always being very clear about what you expect.</p>\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>If you make a mistake, say so</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\">Admit when you are wrong. People appreciate vulnerability in leadership. Don’t let pride control you or waste energy trying to pass yourself off as perfect. If you have made a mistake, apologize sincerely and move on. The words “I was wrong” will always serve you and can help to reset any relationships.</p>\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 willing to change your mind</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\">A byproduct of learning new information is the ability to adapt and change your mind. Many people think of strong leaders as being decisive and unwavering when there are decisions to be made. They may view changing your mind as a sign weakness. It’s not. It’s actually a sign that you can learn and grow in real time. Have the courage to course correct when new information reveals itself.</p>\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>Never run from conflict</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\">As leaders, we have to be able to handle conflict or we’re not doing our job. When leaders perpetually avoid conflict, communication breakdowns occur, important decisions are delayed or not made at all, high performers leave, and people begin to see you as a weak leader. Commit to handling conflict in a productive and healthy manner.</p>\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>Yes, it’s uncomfortable…but don’t be afraid to disrupt yourself</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\">Regularly reevaluate your department or organization. Put it on the schedule and make sure it really happens. Often, doing this helps you learn that what you believe is happening inside the company is not actually occurring. This is a great opportunity to disrupt yourself and make needed changes to keep your organization performing at its best. Push through any discomfort you feel throughout this process—remember, discomfort is normal and leaders need to get used to it. You also need to help employees get used to taking action that makes them feel unsettled.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“None of us can ever reach perfection, but great leaders commit to being their best each day,” concludes Studer. “We can keep getting better and better. It’s tough, but we really owe it to our employees. It’s how we inspire them to become their best selves as well, which is really what love looks like in action.”</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.mhwmag.com/features/show-your-employees-some-valentines-day-love-by-becoming-a-better-you/\">click here.</a></p>\n<!-- /wp:paragraph -->','Show your employees some Valentine’s Day love by becoming a better you','','inherit','closed','closed','','2956-revision-v1','','','2023-01-25 20:23:54','2023-01-25 20:23:54','',2956,'http://smartinsurance.tips/?p=2958',0,'revision','',0),(2959,1,'2023-01-25 20:45:34','2023-01-25 20:45:34','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Checking under the hood can catch small problems before they cause an expensive breakdown.</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\":2960,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-43.png\" alt=\"\" class=\"wp-image-2960\"/></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\">Keeping a car running smoothly and reliably for the long haul requires routine maintenance. And although cars have become, in many ways, complicated computers on wheels, there are still some basic DIY tasks that can make a significant difference, including periodic driveway inspections.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Inspecting the body, the tires, and under the hood can catch developing problems before they become both expensive and inconvenient.</p>\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, a belt or hose failure can cause an overheated engine, loss of power steering, or loss of the electrical charging system. If a hose leaks coolant or the belt turning the water pump snaps, the cooling system is inoperable. If the engine overheats, it can suffer serious internal damage that requires expensive repairs and can ruin a summer vacation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Overheating can occur anytime, but usually happens in the summer. Under-hood temperatures are much higher, and heat can trigger or accelerate deterioration of rubber compounds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Below we will highlight what to look for when inspecting hoses and accessory belts, and how to perform your own inspection.</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\">Coolant and Heater Hoses</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\">Hoses are the cooling system’s weakest structural component. They are made of flexible rubber compounds to absorb vibrations between the engine and radiator, or, in the case of heater hoses, the engine and the body’s firewall. Designed to hold coolant under pressure, hoses are also subjected to fluctuating extremes of heat and cold, dirt, oils, and sludge. Atmospheric ozone also attacks rubber compounds.</p>\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 most damaging cause of hose failure—electrochemical degradation (ECD)—isn’t easy to detect. According to engineers for the Gates Corporation, a parts maker, ECD attacks hoses from the inside, causing tiny cracks. Acids and contaminants in the coolant can then weaken the yarn material that reinforces the hose. Eventually, pinholes can develop, or the weakened hose may rupture from heat, pressure, or constant flexing.</p>\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 easy, basic maintenance can help prevent coolant hose failure:</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>Check the white coolant-recovery tank often to ensure proper fluid level. Marks on the tank indicate the proper level for when the engine is cold or hot. If the tank is low after repeated fillings, suspect a leak. Also check for white, light green, blue, or pink coolant tracks in the engine bay, which is residue left from leaking coolant.</li><li>When the engine is cool, squeeze the hoses with your thumb and forefinger near the clamps, where ECD most often occurs. Feel for soft or mushy spots. A good hose will have a firm yet pliant feel.</li><li>Inspect for cracks, nicks, bulges (usually while hot); or a collapsed section in the hose and oil contamination; or fraying near the connection points.</li><li>Look for parallel cracks around bends (caused by ozone), a hardened glassy surface (heat damage), or abrasive damage (hose is rubbing).</li><li>Flush and replace the coolant according to the owner’s manual. Clean coolant is less likely to support ECD.</li><li>Never remove the radiator cap when the engine is hot, as the hot coolant will be under pressure. Also, be aware that an electric cooling fan can come on at any time.</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\">The upper radiator hose fails more often than any other hose, followed by the water pump bypass hose (if your vehicle is so equipped), and the outlet heater hose from the engine to the heater core. Experts recommend, however, that all hoses be replaced at least every four years or when one fails. Always use replacement hoses designed to fight ECD. Trademarks will vary among hose manufacturers. (Gates uses \"ECR\" for Electro-Chemical Resistant). Look for a \"Type EC\" label on the hose or its packaging. That is a Society of Automotive Engineers standard signifying \"electrochemical.\" Most vehicles built after 1993 come with ECD-resistant hoses.</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\">Accessory Belts</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\">Many of the same elements that attack hoses also attack belts—heat, oil, ozone, and abrasion. Almost all cars and trucks built today have a single multi-grooved serpentine belt that drives the alternator, water pump, power-steering pump, and air-conditioning compressor. Older vehicles may have separate V-belts that drive the accessories. The Car Care Council says chances of a V-belt failure rise dramatically after four years or 36,000 miles, while the critical point for a serpentine belt is 50,000 miles. Any belt should be changed when it shows signs of excessive wear. But many new composite belts don’t show signs of wear until the failure occurs.</p>\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 tips for inspecting belts:</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>Look for cracks, fraying, or splits on the top cover.</li><li>Look for signs of glazing on the belt’s sides. Glazed or slick belts can slip, overheat, or crack.</li><li>Twist a serpentine&nbsp;belt to look for separating layers, cracks, or missing chunks of the grooves on the underside.</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\">Replacement belts should be identical in length, width, and number of grooves to the factory belt. Serpentine belts are usually kept tight with an automatic tensioner. Signs of a belt-tension problem include a high-pitched whine or chirping sound and vibration noises. Without proper tension, belts will slip and generate heat or fail to turn the accessories.</p>\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 in doubt, check with a qualified technician about any cooling problems, and always consult your owner’s manual for routine maintenance procedures.</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/car-repair-maintenance/how-to-inspect-car-belts-and-hoses-a3986860709/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Inspect Car Belts and Hoses','','publish','closed','closed','','how-to-inspect-car-belts-and-hoses','','','2023-01-25 20:45:34','2023-01-25 20:45:34','',0,'http://smartinsurance.tips/?p=2959',0,'post','',0),(2960,1,'2023-01-25 20:41:49','2023-01-25 20:41:49','','My-project-1-43','','inherit','closed','closed','','my-project-1-43','','','2023-01-25 20:41:49','2023-01-25 20:41:49','',2959,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-43.png',0,'attachment','image/png',0),(2961,1,'2023-01-25 20:45:34','2023-01-25 20:45:34','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Checking under the hood can catch small problems before they cause an expensive breakdown.</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\":2960,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-43.png\" alt=\"\" class=\"wp-image-2960\"/></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\">Keeping a car running smoothly and reliably for the long haul requires routine maintenance. And although cars have become, in many ways, complicated computers on wheels, there are still some basic DIY tasks that can make a significant difference, including periodic driveway inspections.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Inspecting the body, the tires, and under the hood can catch developing problems before they become both expensive and inconvenient.</p>\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, a belt or hose failure can cause an overheated engine, loss of power steering, or loss of the electrical charging system. If a hose leaks coolant or the belt turning the water pump snaps, the cooling system is inoperable. If the engine overheats, it can suffer serious internal damage that requires expensive repairs and can ruin a summer vacation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Overheating can occur anytime, but usually happens in the summer. Under-hood temperatures are much higher, and heat can trigger or accelerate deterioration of rubber compounds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Below we will highlight what to look for when inspecting hoses and accessory belts, and how to perform your own inspection.</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\">Coolant and Heater Hoses</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\">Hoses are the cooling system’s weakest structural component. They are made of flexible rubber compounds to absorb vibrations between the engine and radiator, or, in the case of heater hoses, the engine and the body’s firewall. Designed to hold coolant under pressure, hoses are also subjected to fluctuating extremes of heat and cold, dirt, oils, and sludge. Atmospheric ozone also attacks rubber compounds.</p>\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 most damaging cause of hose failure—electrochemical degradation (ECD)—isn’t easy to detect. According to engineers for the Gates Corporation, a parts maker, ECD attacks hoses from the inside, causing tiny cracks. Acids and contaminants in the coolant can then weaken the yarn material that reinforces the hose. Eventually, pinholes can develop, or the weakened hose may rupture from heat, pressure, or constant flexing.</p>\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 easy, basic maintenance can help prevent coolant hose failure:</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>Check the white coolant-recovery tank often to ensure proper fluid level. Marks on the tank indicate the proper level for when the engine is cold or hot. If the tank is low after repeated fillings, suspect a leak. Also check for white, light green, blue, or pink coolant tracks in the engine bay, which is residue left from leaking coolant.</li><li>When the engine is cool, squeeze the hoses with your thumb and forefinger near the clamps, where ECD most often occurs. Feel for soft or mushy spots. A good hose will have a firm yet pliant feel.</li><li>Inspect for cracks, nicks, bulges (usually while hot); or a collapsed section in the hose and oil contamination; or fraying near the connection points.</li><li>Look for parallel cracks around bends (caused by ozone), a hardened glassy surface (heat damage), or abrasive damage (hose is rubbing).</li><li>Flush and replace the coolant according to the owner’s manual. Clean coolant is less likely to support ECD.</li><li>Never remove the radiator cap when the engine is hot, as the hot coolant will be under pressure. Also, be aware that an electric cooling fan can come on at any time.</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\">The upper radiator hose fails more often than any other hose, followed by the water pump bypass hose (if your vehicle is so equipped), and the outlet heater hose from the engine to the heater core. Experts recommend, however, that all hoses be replaced at least every four years or when one fails. Always use replacement hoses designed to fight ECD. Trademarks will vary among hose manufacturers. (Gates uses \"ECR\" for Electro-Chemical Resistant). Look for a \"Type EC\" label on the hose or its packaging. That is a Society of Automotive Engineers standard signifying \"electrochemical.\" Most vehicles built after 1993 come with ECD-resistant hoses.</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\">Accessory Belts</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\">Many of the same elements that attack hoses also attack belts—heat, oil, ozone, and abrasion. Almost all cars and trucks built today have a single multi-grooved serpentine belt that drives the alternator, water pump, power-steering pump, and air-conditioning compressor. Older vehicles may have separate V-belts that drive the accessories. The Car Care Council says chances of a V-belt failure rise dramatically after four years or 36,000 miles, while the critical point for a serpentine belt is 50,000 miles. Any belt should be changed when it shows signs of excessive wear. But many new composite belts don’t show signs of wear until the failure occurs.</p>\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 tips for inspecting belts:</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>Look for cracks, fraying, or splits on the top cover.</li><li>Look for signs of glazing on the belt’s sides. Glazed or slick belts can slip, overheat, or crack.</li><li>Twist a serpentine&nbsp;belt to look for separating layers, cracks, or missing chunks of the grooves on the underside.</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\">Replacement belts should be identical in length, width, and number of grooves to the factory belt. Serpentine belts are usually kept tight with an automatic tensioner. Signs of a belt-tension problem include a high-pitched whine or chirping sound and vibration noises. Without proper tension, belts will slip and generate heat or fail to turn the accessories.</p>\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 in doubt, check with a qualified technician about any cooling problems, and always consult your owner’s manual for routine maintenance procedures.</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/car-repair-maintenance/how-to-inspect-car-belts-and-hoses-a3986860709/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Inspect Car Belts and Hoses','','inherit','closed','closed','','2959-revision-v1','','','2023-01-25 20:45:34','2023-01-25 20:45:34','',2959,'http://smartinsurance.tips/?p=2961',0,'revision','',0),(2962,1,'2023-01-25 20:51:14','2023-01-25 20:51:14','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2963,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-45.png\" alt=\"\" class=\"wp-image-2963\"/></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\">No matter where a home is located, there’s always a chance that it has a septic tank instead of being connected to the public sewer system. Unlike the traditional system, which funnels waste and water to a local treatment plant, a septic tank is a small, contained waste system that is placed underground in your yard to hold and treat sewage and wastewater. If your home has a septic tank, it’s likely that you would prefer to avoid having issues with it, which aren’t just inconvenient, but can also be costly to 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\">However, if there are unforeseen issues that arise with your septic tank, you may not always be on the hook for the bill to repair it. In some cases, your homeowners insurance might cover the repairs or replacement of your septic system. Whether or not your homeowners insurance policy will cover the repairs or the cost to replace your septic system will typically depend on the circumstances in which it was damaged, as well as what policy limits are in place with your coverage.</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\">When a homeowners insurance policy would typically cover septic tank damage</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\">Technically, septic tanks fall into the other structures coverage portion of your homeowners insurance policy. This is the part of your policy that protects things on your property that do not attach to your house, like a gazebo, shed, detached garage, fence, in-ground swimming pool and, in many cases, your septic tank.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Usually, home insurance policies extend other structures coverage as 10% of your dwelling insurance. So if you have your home itself (i.e., your dwelling) insured for $400,000 in your home insurance policy, you would typically have around $40,000 in other structures coverage.</p>\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 other structures coverage will kick in to pay for repairs to your septic tank — or a full-on replacement — only if the tank was damaged by a peril listed in your policy. If the top of your tank gets damaged in a fire, for example, your policy will typically cover the replacement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Reviewing your insurance policy will help you understand which circumstances would apply if your septic system sustains damage or a loss. You will either see specific covered perils listed out (if you have a named perils policy) or specific exclusions listed (if you have an open perils 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\">You should also know that calling on your home insurance for other structures coverage means paying your deductible.</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 septic tank damage is typically covered by 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\">While there are many different types of home insurance, they will generally cover septic tank damage, up to policy limits, resulting from:</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>Fire: If a fire causes damage to your septic system in any way, repairs may be covered by your policy.</li><li>Vandalism and riots: If anyone intentionally damages your septic system as an act of vandalism or it gets damaged during civil unrest, it may be covered by your policy, depending on the circumstances.</li><li>Hail, windstorms and lightning: Septic tank damage resulting from any of these storm types is likely to be covered.</li><li>Explosions: Most homeowners insurance policies cover damage resulting from explosions. If this affects your septic tank or pipes, your insurance would kick in to cover the cost of repairs.</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\">What damage to your septic tank is not generally covered by 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\">As you might have noticed from the above list, homeowners insurance is most likely to cover septic tank damage when it results from a sudden, unexpected event. Your home insurance will not necessarily cover damage resulting from septic system problems caused by wear-and-tear or lack of maintenance. So if you let a nearby tree grow roots into the tank, for example, or regularly flush nonbiodegradable items into your septic tank, you may not qualify for a home insurance payout for repairs to the areas damaged.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Additionally, almost all home insurance policies specifically exclude coverage for earthquakes and floods. One way to be financially protected is to get a separate flood or earthquake insurance policy, if you live in an area where these incidents are common.</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 homeowners insurance coverage options are available for septic tanks?</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 further reduce the chance of unexpected costs related to your septic system, ask your insurer about these additional coverages:</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\"><strong>Service line coverage</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\">As a homeowner, you are the one responsible for the service lines that connect to and go out from your house, including the pipe that feeds to your septic tank.</p>\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 main benefit of service line coverage is that it extends to more situations than standard home insurance. It can cover things such as wear-and-tear damage, corrosion and damage from tree roots.</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\"><strong>Water backup coverage</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\">A septic backup can be an unwelcome surprise in your home or on your property. Fortunately, home insurance endorsements are one way you can be financially protected from an event such as this. Water backup coverage, or “sump pump coverage” as it is often referred to, is a homeowners insurance endorsement (i.e., optional policy add-on) that covers repair or restoration costs if water backs up into your home.</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 take care of your septic tank</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\">While water backup and service line endorsements can help you avoid some of the costs associated with septic tank repairs, it is your responsibility to keep your tank functioning at its best. That means you should avoid flushing the following items or dump them down the drain:</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>Oils</li><li>Solids, including cigarette butts, paper towels, coffee grounds and feminine hygiene products</li><li>Grease/fat</li><li>Stains/paints</li><li>Household chemicals</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\">It’s also best practice to make sure that no vehicles drive over the septic system or its drainfield. Keep an eye out for nearby trees that might extend their roots into the septic lines, and monitor whether the tank has proper drainage.</p>\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 EPA recommends getting your septic tank inspected every few years and pumped every three to five years. It also indicates that using water efficiently takes strain off your septic tank, helping ensure optimal performance over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.bankrate.com/insurance/homeowners-insurance/does-home-insurance-cover-septic-tanks/?itm_source=parsely-api#how-to-take-care-of-your-septic-tank\">click here.</a></p>\n<!-- /wp:paragraph -->','Does homeowners insurance cover septic tanks?','','publish','closed','closed','','does-homeowners-insurance-cover-septic-tanks','','','2023-01-25 20:51:14','2023-01-25 20:51:14','',0,'http://smartinsurance.tips/?p=2962',0,'post','',0),(2963,1,'2023-01-25 20:46:57','2023-01-25 20:46:57','','My-project-1-45','','inherit','closed','closed','','my-project-1-45','','','2023-01-25 20:46:57','2023-01-25 20:46:57','',2962,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-45.png',0,'attachment','image/png',0),(2964,1,'2023-01-25 20:51:14','2023-01-25 20:51:14','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2963,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-45.png\" alt=\"\" class=\"wp-image-2963\"/></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\">No matter where a home is located, there’s always a chance that it has a septic tank instead of being connected to the public sewer system. Unlike the traditional system, which funnels waste and water to a local treatment plant, a septic tank is a small, contained waste system that is placed underground in your yard to hold and treat sewage and wastewater. If your home has a septic tank, it’s likely that you would prefer to avoid having issues with it, which aren’t just inconvenient, but can also be costly to 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\">However, if there are unforeseen issues that arise with your septic tank, you may not always be on the hook for the bill to repair it. In some cases, your homeowners insurance might cover the repairs or replacement of your septic system. Whether or not your homeowners insurance policy will cover the repairs or the cost to replace your septic system will typically depend on the circumstances in which it was damaged, as well as what policy limits are in place with your coverage.</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\">When a homeowners insurance policy would typically cover septic tank damage</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\">Technically, septic tanks fall into the other structures coverage portion of your homeowners insurance policy. This is the part of your policy that protects things on your property that do not attach to your house, like a gazebo, shed, detached garage, fence, in-ground swimming pool and, in many cases, your septic tank.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Usually, home insurance policies extend other structures coverage as 10% of your dwelling insurance. So if you have your home itself (i.e., your dwelling) insured for $400,000 in your home insurance policy, you would typically have around $40,000 in other structures coverage.</p>\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 other structures coverage will kick in to pay for repairs to your septic tank — or a full-on replacement — only if the tank was damaged by a peril listed in your policy. If the top of your tank gets damaged in a fire, for example, your policy will typically cover the replacement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Reviewing your insurance policy will help you understand which circumstances would apply if your septic system sustains damage or a loss. You will either see specific covered perils listed out (if you have a named perils policy) or specific exclusions listed (if you have an open perils 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\">You should also know that calling on your home insurance for other structures coverage means paying your deductible.</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 septic tank damage is typically covered by 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\">While there are many different types of home insurance, they will generally cover septic tank damage, up to policy limits, resulting from:</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>Fire: If a fire causes damage to your septic system in any way, repairs may be covered by your policy.</li><li>Vandalism and riots: If anyone intentionally damages your septic system as an act of vandalism or it gets damaged during civil unrest, it may be covered by your policy, depending on the circumstances.</li><li>Hail, windstorms and lightning: Septic tank damage resulting from any of these storm types is likely to be covered.</li><li>Explosions: Most homeowners insurance policies cover damage resulting from explosions. If this affects your septic tank or pipes, your insurance would kick in to cover the cost of repairs.</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\">What damage to your septic tank is not generally covered by 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\">As you might have noticed from the above list, homeowners insurance is most likely to cover septic tank damage when it results from a sudden, unexpected event. Your home insurance will not necessarily cover damage resulting from septic system problems caused by wear-and-tear or lack of maintenance. So if you let a nearby tree grow roots into the tank, for example, or regularly flush nonbiodegradable items into your septic tank, you may not qualify for a home insurance payout for repairs to the areas damaged.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Additionally, almost all home insurance policies specifically exclude coverage for earthquakes and floods. One way to be financially protected is to get a separate flood or earthquake insurance policy, if you live in an area where these incidents are common.</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 homeowners insurance coverage options are available for septic tanks?</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 further reduce the chance of unexpected costs related to your septic system, ask your insurer about these additional coverages:</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\"><strong>Service line coverage</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\">As a homeowner, you are the one responsible for the service lines that connect to and go out from your house, including the pipe that feeds to your septic tank.</p>\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 main benefit of service line coverage is that it extends to more situations than standard home insurance. It can cover things such as wear-and-tear damage, corrosion and damage from tree roots.</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\"><strong>Water backup coverage</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\">A septic backup can be an unwelcome surprise in your home or on your property. Fortunately, home insurance endorsements are one way you can be financially protected from an event such as this. Water backup coverage, or “sump pump coverage” as it is often referred to, is a homeowners insurance endorsement (i.e., optional policy add-on) that covers repair or restoration costs if water backs up into your home.</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 take care of your septic tank</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\">While water backup and service line endorsements can help you avoid some of the costs associated with septic tank repairs, it is your responsibility to keep your tank functioning at its best. That means you should avoid flushing the following items or dump them down the drain:</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>Oils</li><li>Solids, including cigarette butts, paper towels, coffee grounds and feminine hygiene products</li><li>Grease/fat</li><li>Stains/paints</li><li>Household chemicals</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\">It’s also best practice to make sure that no vehicles drive over the septic system or its drainfield. Keep an eye out for nearby trees that might extend their roots into the septic lines, and monitor whether the tank has proper drainage.</p>\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 EPA recommends getting your septic tank inspected every few years and pumped every three to five years. It also indicates that using water efficiently takes strain off your septic tank, helping ensure optimal performance over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.bankrate.com/insurance/homeowners-insurance/does-home-insurance-cover-septic-tanks/?itm_source=parsely-api#how-to-take-care-of-your-septic-tank\">click here.</a></p>\n<!-- /wp:paragraph -->','Does homeowners insurance cover septic tanks?','','inherit','closed','closed','','2962-revision-v1','','','2023-01-25 20:51:14','2023-01-25 20:51:14','',2962,'http://smartinsurance.tips/?p=2964',0,'revision','',0),(2965,1,'2023-01-25 21:00:19','2023-01-25 21:00:19','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2966,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-46.png\" alt=\"\" class=\"wp-image-2966\"/></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\">Many Americans are on a budget, and with inflation continuing to rise, those budgets are getting tighter than ever. One constant in many peoples’ budget is car insurance, as almost all states require a minimum amount of coverage. To give you an idea of the average rate Americans pay, the average annual cost of car insurance is $1,771 for full coverage and $545 for minimum coverage. So, how can you choose the right, cheap car insurance for your budget? Bankrate’s insurance experts help you understand the factors that go into your car insurance rates and what you can do to get the best rate to fit your budget.</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 choose the right, cheap car 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 are looking for the cheapest car insurance, focusing on price is essential. There are a few things worth considering to help narrow down your options, such as your location, your driver profile and the discounts that might be available to you.</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\"><strong>1. Consider your vehicle and driving record</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\">Your car insurance premium is based on many factors, including the make and model of your vehicle, the age of your vehicle, the mileage and its safety features. Because older vehicles usually have a lower value, they are often cheaper to insure than newer cars with more expensive parts and repair costs. Plus, you may be able to forego full coverage, saving even more by removing coverage options you no longer need. Talk to your insurance agent to see what coverage options are right for you and your car.</p>\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 addition, your driving record, including the number of at-fault accidents and moving violations you have received, could have a significant impact on your car insurance rate. Generally speaking, safe drivers pay the lowest car insurance rates. If you have serious violations on your driving record  that require you to get SR-22 insurance, you might be required to purchase high-risk auto insurance, which usually has a much higher premium.</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\"><strong>2. Consider your personal factors</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\">Besides your driving record, other personal factors will impact your car insurance quote. Some personal factors include your age, credit score, state, ZIP code and the number of miles you drive annually. However, California, Hawaii, Massachusetts and Michigan ban or restrict the use of credit as a factor in your car insurance rates, while Hawaii and Massachusetts do not permit age as a rating factor. California and Michigan also restrict the use of ZIP codes to determine rates.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because car insurance quotes can vary significantly based on driver profile, getting multiple quotes is valuable. Each insurance company calculates rates differently and weighs each factor according to a unique formula. What that means is that if you have certain issues that may cause you to pay more for insurance, like a minor fender bender on your driving record, you may find that one provider offers much cheaper rates than another.</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\"><strong>3. Compare quotes based on coverage</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\">When shopping for an insurance company, comparing quotes is one of the most helpful things you can do. In addition to your driver profile, your chosen coverage limits, add-ons and deductibles will also determine your rate. Make sure to get several quotes for the same type and amount of coverage for accuracy.</p>\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 amount of car insurance coverage you need has a direct impact on your premium. As a general rule, the higher your coverage limits are, the more your policy will cost, but the greater financial protection you have if you need to file a claim. On the other hand, choosing a high deductible could help you secure a lower rate. However, you should consider whether you can afford to pay a higher deductible if you were to get into 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\">If you lease or finance your car, you will probably need to purchase a full coverage policy, which includes collision, comprehensive and liability. If you own your vehicle, you may have the option to purchase a cheaper minimum coverage policy that includes minimum coverage only, but it will not offer as much financial protection.</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\"><strong>4. Understand which discounts may apply to you</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\">As you compare insurance providers, pay close attention to the discounts offered. Many car insurance companies offer discounts to help drivers get a better rate, but the discounts available are unique to each carrier. Here are some commonly available car insurance discounts:</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:</strong> Purchasing two or more policies from the same company, usually as a home and auto insurance bundle, could help you get a cheaper premium.</li><li><strong>Multi-vehicle:</strong> If you insure more than one vehicle on your auto insurance policy, many insurance providers will lower your rate.</li><li><strong>Claim-free:</strong> Drivers who have no insurance claims on their record within the last several years can sometimes qualify for a claim-free discount.</li><li><strong>Pay in full:</strong> If you can afford to pay your annual premium upfront and in full, you can probably save some money on your premium.</li><li><strong>Good student:</strong> Drivers who get good grades in high school or college can often qualify for a student car insurance discount.</li><li><strong>Telematics:</strong> Many carriers offer telematics programs, which monitor driving habits for both safe and risky behaviors behind the wheel. Safe drivers can often save on their premiums, but some companies may raise your rates if the program uncovers risky habits that can increase the chance of an accident.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you qualify for multiple discounts, most insurance companies allow them to be stacked together, which lets you maximize savings if you qualify for more than one. Applying discounts may help lower the cost of car insurance so you can get the policy you need without compromising your 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\"><strong>5. Research trusted third-party ratings</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\">In addition to car insurance quotes and coverage options, it is also a good idea to look at third-party ratings for every provider you are considering. Some of the most notable and trustworthy organizations are J.D. Power, AM Best and Standard &amp; Poor’s (S&amp;P). By considering third-party ratings, you are able to get a deeper understanding of the company’s overall customer satisfaction and financial stability, which show a company’s past ability to pay claims and meet financial obligations.</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.bankrate.com/insurance/car/how-to-choose-cheap-car-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to choose the right car insurance for your budget?','','publish','closed','closed','','how-to-choose-the-right-car-insurance-for-your-budget','','','2023-01-25 21:00:19','2023-01-25 21:00:19','',0,'http://smartinsurance.tips/?p=2965',0,'post','',0),(2966,1,'2023-01-25 20:52:24','2023-01-25 20:52:24','','My-project-1-46','','inherit','closed','closed','','my-project-1-46','','','2023-01-25 20:52:24','2023-01-25 20:52:24','',2965,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-46.png',0,'attachment','image/png',0),(2967,1,'2023-01-25 21:00:19','2023-01-25 21:00:19','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2966,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-46.png\" alt=\"\" class=\"wp-image-2966\"/></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\">Many Americans are on a budget, and with inflation continuing to rise, those budgets are getting tighter than ever. One constant in many peoples’ budget is car insurance, as almost all states require a minimum amount of coverage. To give you an idea of the average rate Americans pay, the average annual cost of car insurance is $1,771 for full coverage and $545 for minimum coverage. So, how can you choose the right, cheap car insurance for your budget? Bankrate’s insurance experts help you understand the factors that go into your car insurance rates and what you can do to get the best rate to fit your budget.</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 choose the right, cheap car 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 are looking for the cheapest car insurance, focusing on price is essential. There are a few things worth considering to help narrow down your options, such as your location, your driver profile and the discounts that might be available to you.</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\"><strong>1. Consider your vehicle and driving record</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\">Your car insurance premium is based on many factors, including the make and model of your vehicle, the age of your vehicle, the mileage and its safety features. Because older vehicles usually have a lower value, they are often cheaper to insure than newer cars with more expensive parts and repair costs. Plus, you may be able to forego full coverage, saving even more by removing coverage options you no longer need. Talk to your insurance agent to see what coverage options are right for you and your car.</p>\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 addition, your driving record, including the number of at-fault accidents and moving violations you have received, could have a significant impact on your car insurance rate. Generally speaking, safe drivers pay the lowest car insurance rates. If you have serious violations on your driving record  that require you to get SR-22 insurance, you might be required to purchase high-risk auto insurance, which usually has a much higher premium.</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\"><strong>2. Consider your personal factors</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\">Besides your driving record, other personal factors will impact your car insurance quote. Some personal factors include your age, credit score, state, ZIP code and the number of miles you drive annually. However, California, Hawaii, Massachusetts and Michigan ban or restrict the use of credit as a factor in your car insurance rates, while Hawaii and Massachusetts do not permit age as a rating factor. California and Michigan also restrict the use of ZIP codes to determine rates.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because car insurance quotes can vary significantly based on driver profile, getting multiple quotes is valuable. Each insurance company calculates rates differently and weighs each factor according to a unique formula. What that means is that if you have certain issues that may cause you to pay more for insurance, like a minor fender bender on your driving record, you may find that one provider offers much cheaper rates than another.</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\"><strong>3. Compare quotes based on coverage</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\">When shopping for an insurance company, comparing quotes is one of the most helpful things you can do. In addition to your driver profile, your chosen coverage limits, add-ons and deductibles will also determine your rate. Make sure to get several quotes for the same type and amount of coverage for accuracy.</p>\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 amount of car insurance coverage you need has a direct impact on your premium. As a general rule, the higher your coverage limits are, the more your policy will cost, but the greater financial protection you have if you need to file a claim. On the other hand, choosing a high deductible could help you secure a lower rate. However, you should consider whether you can afford to pay a higher deductible if you were to get into 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\">If you lease or finance your car, you will probably need to purchase a full coverage policy, which includes collision, comprehensive and liability. If you own your vehicle, you may have the option to purchase a cheaper minimum coverage policy that includes minimum coverage only, but it will not offer as much financial protection.</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\"><strong>4. Understand which discounts may apply to you</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\">As you compare insurance providers, pay close attention to the discounts offered. Many car insurance companies offer discounts to help drivers get a better rate, but the discounts available are unique to each carrier. Here are some commonly available car insurance discounts:</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:</strong> Purchasing two or more policies from the same company, usually as a home and auto insurance bundle, could help you get a cheaper premium.</li><li><strong>Multi-vehicle:</strong> If you insure more than one vehicle on your auto insurance policy, many insurance providers will lower your rate.</li><li><strong>Claim-free:</strong> Drivers who have no insurance claims on their record within the last several years can sometimes qualify for a claim-free discount.</li><li><strong>Pay in full:</strong> If you can afford to pay your annual premium upfront and in full, you can probably save some money on your premium.</li><li><strong>Good student:</strong> Drivers who get good grades in high school or college can often qualify for a student car insurance discount.</li><li><strong>Telematics:</strong> Many carriers offer telematics programs, which monitor driving habits for both safe and risky behaviors behind the wheel. Safe drivers can often save on their premiums, but some companies may raise your rates if the program uncovers risky habits that can increase the chance of an accident.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you qualify for multiple discounts, most insurance companies allow them to be stacked together, which lets you maximize savings if you qualify for more than one. Applying discounts may help lower the cost of car insurance so you can get the policy you need without compromising your 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\"><strong>5. Research trusted third-party ratings</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\">In addition to car insurance quotes and coverage options, it is also a good idea to look at third-party ratings for every provider you are considering. Some of the most notable and trustworthy organizations are J.D. Power, AM Best and Standard &amp; Poor’s (S&amp;P). By considering third-party ratings, you are able to get a deeper understanding of the company’s overall customer satisfaction and financial stability, which show a company’s past ability to pay claims and meet financial obligations.</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.bankrate.com/insurance/car/how-to-choose-cheap-car-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to choose the right car insurance for your budget?','','inherit','closed','closed','','2965-revision-v1','','','2023-01-25 21:00:19','2023-01-25 21:00:19','',2965,'http://smartinsurance.tips/?p=2967',0,'revision','',0),(2968,1,'2023-01-25 21:05:27','2023-01-25 21:05:27','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2969,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-47.png\" alt=\"\" class=\"wp-image-2969\"/></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\">No matter how well-behaved your dog is, accidents happen. Roughly 4.5 million people are bitten by dogs and nearly 900,000 receive medical attention for dog bites every year, according to the U.S. Centers for Disease Control and Prevention (CDC).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Dog bites can turn pretty expensive, too: the average dog bite claim costs an insurance company around $50,000. </p>\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 dog bites or injures someone on or off your property, you can be sued and required to pay legal and medical costs related to the injury. And if you are not insured, that money has to come out of your pocket.&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\">That’s where liability coverage in homeowners insurance policies can step in, but there are a few caveats 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\">“When researching homeowners insurance companies, make sure you understand their position on dogs and breeds, as some companies will not insure certain breeds,” says Charlie Wendland, head of claims at Branch Insurance, an insurance technology company based in Ohio. “And make sure you have adequate liability coverage to protect you and your family in the event your dog were to cause a serious injury to someone else.”</p>\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’s what you need to know before buying homeowners insurance if you own a dog.&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\">Homeowners Insurance and Dog Bites</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\">Homeowners insurance can cover dog bites because dog bites are a type of liability, but it ultimately depends on exclusions in your policy.&nbsp;&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\">“The answer is some companies do and some don’t. Not all insurance providers are created equal when it comes to animal liability,” says Ted Olsen, director of Goosehead Insurance, an independent insurance agency with branches across the U.S. “This is why it’s really important that you have a good agent who you discuss this with.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Condo and renters policies are similar to homeowners policies in that they too tend to cover expenses associated with dog bites, but you’ll want to ensure your liability limits are high enough.</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\"><strong>Personal Liability Coverage and Dog Bites</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\">The liability part of your homeowners insurance policy typically helps cover your legal fees and medical and veterinary expenses resulting from a pet-related injury. If you’re covered, it will only be up to the liability limit listed on your policy.&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\">Check with your insurance agent to be sure your policy provides the necessary coverage and be clear about what your limits are. If a claim exceeds your liability insurance limit, you’ll be responsible for paying all damages above that amount. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pro Tip: Review your policy to make sure that your dog is covered, since insurers often exclude certain breeds considered aggressive.</p>\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 isn’t a specific threshold for a liability limit if you own a dog, but if you don’t think your liability limit is high enough, consider purchasing an umbrella policy, or even an excess policy to protect you and your assets. For example, if you own multiple dogs, you may want to increase your coverage since there’s a greater risk of an accident happening.&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\">“For most insurance companies, you do not need to purchase additional insurance if you own a dog, but it’s always a good idea to review this with your insurance company,” says Wedland. “You may also want to discuss adding umbrella coverage if you don’t carry it already.”</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\">When Doesn’t Homeowners Insurance Cover Dog Bites?</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\">Homeowners should know whether their dog is covered under their homeowners insurance. Some policies exclude liability for certain types of dogs or dogs with a history of biting. If that’s the case, the homeowner may need to explore other options, such as a rider or endorsement to the policy or umbrella 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\"><strong>History of Biting</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\">If your dog has a history of biting, you may have to pay a higher homeowners insurance premium and be subject to other coverage limitations. For example, an insurer could grant you homeowners insurance but charge you more for it or exclude your dog from coverage altogether. In the worst-case scenario, the company could refuse to insure your home.</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\"><strong>Breed Restrictions</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\">Some insurance companies categorize certain dog breeds as potentially dangerous, and therefore won’t insure homeowners who own those breeds. Dobermans, Rottweilers, English mastiffs and American pit bull terriers are frequently blacklisted breeds that insurers deem too risky to cover or will insure only at a higher premium.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Owning one of these breeds might make your homeowners coverage more expensive or restrictive, but that can vary by company and state. It’s wise to check with an insurance agent whether your dog is covered under your current policy, and what you can do if your dog isn’t.&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\">“Some insurers cover you just like normal if you have a dog, regardless of what dog you have, but those insurance providers are few and far between,” says Olsen. “Most companies do have some type of concern, so make sure to ask about it on the front end.”</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://time.com/nextadvisor/insurance/home/does-homeowner-insurance-cover-dog-bites/\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Dog Bites?','','publish','closed','closed','','does-homeowners-insurance-cover-dog-bites','','','2023-01-25 21:05:27','2023-01-25 21:05:27','',0,'http://smartinsurance.tips/?p=2968',0,'post','',0),(2969,1,'2023-01-25 21:02:48','2023-01-25 21:02:48','','My-project-1-47','','inherit','closed','closed','','my-project-1-47','','','2023-01-25 21:02:48','2023-01-25 21:02:48','',2968,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-47.png',0,'attachment','image/png',0),(2970,1,'2023-01-25 21:05:27','2023-01-25 21:05:27','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2969,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-47.png\" alt=\"\" class=\"wp-image-2969\"/></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\">No matter how well-behaved your dog is, accidents happen. Roughly 4.5 million people are bitten by dogs and nearly 900,000 receive medical attention for dog bites every year, according to the U.S. Centers for Disease Control and Prevention (CDC).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Dog bites can turn pretty expensive, too: the average dog bite claim costs an insurance company around $50,000. </p>\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 dog bites or injures someone on or off your property, you can be sued and required to pay legal and medical costs related to the injury. And if you are not insured, that money has to come out of your pocket.&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\">That’s where liability coverage in homeowners insurance policies can step in, but there are a few caveats 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\">“When researching homeowners insurance companies, make sure you understand their position on dogs and breeds, as some companies will not insure certain breeds,” says Charlie Wendland, head of claims at Branch Insurance, an insurance technology company based in Ohio. “And make sure you have adequate liability coverage to protect you and your family in the event your dog were to cause a serious injury to someone else.”</p>\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’s what you need to know before buying homeowners insurance if you own a dog.&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\">Homeowners Insurance and Dog Bites</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\">Homeowners insurance can cover dog bites because dog bites are a type of liability, but it ultimately depends on exclusions in your policy.&nbsp;&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\">“The answer is some companies do and some don’t. Not all insurance providers are created equal when it comes to animal liability,” says Ted Olsen, director of Goosehead Insurance, an independent insurance agency with branches across the U.S. “This is why it’s really important that you have a good agent who you discuss this with.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Condo and renters policies are similar to homeowners policies in that they too tend to cover expenses associated with dog bites, but you’ll want to ensure your liability limits are high enough.</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\"><strong>Personal Liability Coverage and Dog Bites</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\">The liability part of your homeowners insurance policy typically helps cover your legal fees and medical and veterinary expenses resulting from a pet-related injury. If you’re covered, it will only be up to the liability limit listed on your policy.&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\">Check with your insurance agent to be sure your policy provides the necessary coverage and be clear about what your limits are. If a claim exceeds your liability insurance limit, you’ll be responsible for paying all damages above that amount. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pro Tip: Review your policy to make sure that your dog is covered, since insurers often exclude certain breeds considered aggressive.</p>\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 isn’t a specific threshold for a liability limit if you own a dog, but if you don’t think your liability limit is high enough, consider purchasing an umbrella policy, or even an excess policy to protect you and your assets. For example, if you own multiple dogs, you may want to increase your coverage since there’s a greater risk of an accident happening.&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\">“For most insurance companies, you do not need to purchase additional insurance if you own a dog, but it’s always a good idea to review this with your insurance company,” says Wedland. “You may also want to discuss adding umbrella coverage if you don’t carry it already.”</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\">When Doesn’t Homeowners Insurance Cover Dog Bites?</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\">Homeowners should know whether their dog is covered under their homeowners insurance. Some policies exclude liability for certain types of dogs or dogs with a history of biting. If that’s the case, the homeowner may need to explore other options, such as a rider or endorsement to the policy or umbrella 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\"><strong>History of Biting</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\">If your dog has a history of biting, you may have to pay a higher homeowners insurance premium and be subject to other coverage limitations. For example, an insurer could grant you homeowners insurance but charge you more for it or exclude your dog from coverage altogether. In the worst-case scenario, the company could refuse to insure your home.</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\"><strong>Breed Restrictions</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\">Some insurance companies categorize certain dog breeds as potentially dangerous, and therefore won’t insure homeowners who own those breeds. Dobermans, Rottweilers, English mastiffs and American pit bull terriers are frequently blacklisted breeds that insurers deem too risky to cover or will insure only at a higher premium.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Owning one of these breeds might make your homeowners coverage more expensive or restrictive, but that can vary by company and state. It’s wise to check with an insurance agent whether your dog is covered under your current policy, and what you can do if your dog isn’t.&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\">“Some insurers cover you just like normal if you have a dog, regardless of what dog you have, but those insurance providers are few and far between,” says Olsen. “Most companies do have some type of concern, so make sure to ask about it on the front end.”</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://time.com/nextadvisor/insurance/home/does-homeowner-insurance-cover-dog-bites/\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Dog Bites?','','inherit','closed','closed','','2968-revision-v1','','','2023-01-25 21:05:27','2023-01-25 21:05:27','',2968,'http://smartinsurance.tips/?p=2970',0,'revision','',0),(2971,1,'2023-01-25 21:11:21','2023-01-25 21:11:21','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":2972,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-48.png\" alt=\"\" class=\"wp-image-2972\"/></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\">After spending hours browsing real estate listings, you think you’ve found the perfect home: It has everything you want at a price you can afford, and – what a treat – it’s a short walk to the riverfront, or the lakefront, or the beach.</p>\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 that pleasant surprise becomes a potential liability when you read further: It’s in a high-risk flood area, and your mortgage lender says you’ll have to get flood 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\">“It’s tough to not want to live where you want to live because of those things that could happen,” says Robert Heck, vice president of mortgage at Morty, an online mortgage broker.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Flood risk is yet another thing for already anxious homebuyers to worry about. There’s the concern that your big new financial investment could be wiped away by an act of nature. Then there’s the cost, added onto your monthly payment, of flood insurance, which can be in the thousands of dollars every year. And all of this is about dealing with some unpredictable future event – one that can affect you even if the flood maps say you shouldn’t worry too much, and for which climate change may dramatically alter the risk.</p>\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 most common natural disaster in the United States is flooding, yet most people don’t have [flood insurance] because it’s not required by their loan if they’re not in a high-risk zone,” says Ted Olsen, managing director at Goosehead 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\">Here are some things to keep in mind when that dream house listing you’re looking at comes with a chance of flooding.</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 Should I Know About Flood Risk When Looking At Houses?</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’re buying any home, but especially one near a body of water that might carry additional risk, know the history of that property. Try to get insurance claim information so you know if the property has flooded before, and what happened because of it. You’re buying more than just a house, you’re choosing to live in that area, so you should know what you’re getting into, Heck says. “I would probably try to look back at flood history in the area as well to get a better sense of frequency and understanding of what the fallout was afterward,” he 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\">Buyers should be aware of the risk at the properties they view,  says Melissa McClendon, a Realtor and co-owner of NOLA Home Realty Group in New Orleans. “When my clients are interested in properties, we look at the flood zone first,” she says. In New Orleans, flood risk can significantly affect the price, she says. Areas protected by levees are desirable, while properties in higher risk zones might sit on the market longer or sell for less.</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\">When Does A House Need Flood 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\">FEMA’s flood maps grade areas based on their risk. Areas rated with the letters B, C and X are at reduced risk, and flood insurance is not required. If you buy a home in an area rated with A or V, however, you’ll be required to have flood insurance for most types of mortgages. Note that these zones aren’t “flood risk” and “no flood risk,” Olsen says. “Every home is in a flood zone, there’s just a varying degree of risk in different zones.”</p>\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 flood insurance is mandatory in high-risk areas, there are ways you can mitigate your risk and reduce your cost, Olsen says. When you buy a home, see if the seller has an elevation certificate that identifies how high up the house actually is on the property.&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\">That also means homeowners can lower their insurance costs by making changes, McClendon says. “That may mean raising their home to a height that can help it from flooding over time,” she says. “If they really want the area, really want the home, there may be some things that can be done to lower their risk and lower your flood insurance cost.”</p>\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 need flood insurance, you can shop around for different carriers. That wasn’t the case before 2012, Olsen says, and coverage through the National Flood Insurance Program is still at a set price and coverage level. Private insurers can offer some different options, however, such as higher coverage limits and combined plans that cover every structure on your property. “Now we have choice and it’s important that consumers reach out to an agent who’s knowledgeable,” Olsen 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\">Pro Tip: Talk to the home’s seller about their flood insurance, flooding history and other information. You might be able to assume their policy or use an elevation certificate to get a better 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\">Plans for high-risk areas can range from $800 or so to upwards of $6,000 per year, depending on the risk, Olsen says. Lower-risk areas might have premiums of a few hundred dollars a year. You can even assume a previous owner’s 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\">Will Homeowners Insurance Cover Flood Damage?</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 short: No, homeowners insurance won’t protect you in the event of a flood. It may cover damage from water backups, such as if a pipe breaks and fills your basement with water, but not if the water is coming from a nearby lake, river, or ocean, Olsen says. You’ll need flood insurance to protect your investment from natural disasters. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Despite that caveat, Olsen suggests you still get other endorsements for your homeowners policy that cover water damage, including coverage of sump pump failure and backup of sewers and drains. “That’s covered on your home insurance because that’s not a flood,” he 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\">You may be able to get both your homeowners insurance and flood insurance from the same provider, or you may need to buy them separately, Heck says.&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\">Should I Get Flood Insurance Even If It’s Not Required?</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\">Just because you’re in a “low-risk” flood area doesn’t mean there’s no risk. Olsen says about a quarter of claims are from homes in low-risk areas, and those numbers are higher during major natural disasters like Hurricane Harvey, which caused massive flooding around Houston in 2017. </p>\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 may want to consider flood insurance even if the risk is relatively low, especially if you’re in an area where the risk of natural disasters such as hurricanes is high. McClendon says she advises buyers to think about getting it regardless of the property’s risk.&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\">“We saw Hurricane Katrina happen. Areas that never flooded, we saw it flood, and it was nine feet underwater,” she says. “Buyers in our area are very, very cautious to get flood insurance even if it’s in an X flood zone.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Experts say climate change is making it more important for homeowners to prepare for the unexpected. Increasingly unpredictable weather patterns mean historical averages aren’t as reliable of a predictor of future events, Olsen says.&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\">“Things are happening in areas they didn’t happen before,” he says. “For that reason it’s important regardless of what you’ve experienced in the past to explore your options with your agent.”</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://time.com/nextadvisor/mortgages/buying-home-in-flood-plain/\">click here.</a></p>\n<!-- /wp:paragraph -->','Unpredictable Weather Can Put Any Home At Risk of Flooding. Here’s How to Protect Your Investment','','publish','closed','closed','','unpredictable-weather-can-put-any-home-at-risk-of-flooding-heres-how-to-protect-your-investment','','','2023-01-25 21:11:21','2023-01-25 21:11:21','',0,'http://smartinsurance.tips/?p=2971',0,'post','',0),(2972,1,'2023-01-25 21:08:02','2023-01-25 21:08:02','','My-project-1-48','','inherit','closed','closed','','my-project-1-48','','','2023-01-25 21:08:02','2023-01-25 21:08:02','',2971,'http://smartinsurance.tips/wp-content/uploads/2023/01/My-project-1-48.png',0,'attachment','image/png',0),