(3252,1,'2023-05-30 04:08:28','2023-05-30 04:08:28','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A non-owner policy is car insurance for a driver who doesn’t own a vehicle but drives often. It provides liability insurance should you get into an accident while driving someone else\'s car or a rental.</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\":3251,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-27.png\" alt=\"\" class=\"wp-image-3251\"/></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\">A non-owner car insurance policy is liability insurance for people who don’t own a car, but often drive cars owned by others. A non-owner policy covers injuries and damages to others if you cause an accident in a borrowed or rented car. Non-owner car insurance can also provide you with proof of insurance if you need to file an SR-22 form.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Non-owner auto insurance meets state minimum liability requirements. It’s inexpensive; the average cost of non-owner car insurance is $380 a year. However, non-owner auto insurance doesn\'t cover any damage to the car; that falls under the owner\'s policy. In addition, it doesn\'t cover your own 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\">Many top car insurance companies offer non-owner car insurance, but before you buy you should make sure it’s right for you. Below we\'ll explain what non-owner car insurance covers, how to get non-owner car insurance and why you might need to buy car insurance if you don\'t own a 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>KEY TAKEAWAYS</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>A non-owner car insurance policy costs $380 a year on average; Auto-Owners has the cheapest coverage at $86 a year.</li><li>Non-owner car insurance provides liability coverage to drivers who don\'t own a car but still require insurance coverage.</li><li>A non-owner policy doesn\'t cover any of your injuries or damage to the car you are driving.</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=\"Can_you_get_car_insurance_without_a_car\">Can you get car insurance without a car?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Yes, you can get car insurance even if you don\'t own a car. It sounds strange, but there are good reasons to consider it. Most types of car insurance are designed to protect the owner of the car. Non-owner auto insurance protects you regardless of who owns the car you\'re driving. So, unlike traditional car insurance that follows the car, non-owner insurance follows the driver.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"Non-owner policies are available for individuals who don’t own a car or have regular access to a car, but who do drive on occasion,\" says Rick Kautzer, associate director of personal lines product management at Dairyland Insurance. This type of coverage pays for injuries and damages you cause in an accident when you\'re driving a car that someone else owns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"How_does_nonowner_car_insurance_work\">How does non-owner car insurance work?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Non-owner car insurance is secondary liability coverage. That means the owner’s policy applies first, and any remaining liability will be paid out by the non-owner 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\">For example, let\'s say you have a non-owner policy that has $40,000 in property damage liability, and the owner of the car has $20,000 in property damage liability. You cause an accident driving that car totaling $30,000 in damages, $10,000 beyond the owner\'s limits. The owner\'s policy will pay the first $20,000 Your non-owner policy will cover the extra $10,000.</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\">Without the non-owner policy, you could be sued for that $10,000.</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\">Non-owner car insurance is a good fit for you if you frequently rent vehicles or borrow a car, or are trying to keep continuous coverage when you\'re in between vehicles. Additionally, non-owner car insurance is a good option for high-risk drivers who are required to have a liability policy to keep their driver’s license or file an SR-22.</p>\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 non-owner policy provides the driver with protection for themself, regardless of whether the vehicle is insured,” Kautzer says. “This type of policy can also help satisfy a required proof of insurance, which helps an individual maintain an active driver’s license.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"What_does_a_nonowner_car_insurance_policy_cover\">What does a non-owner car insurance policy 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\">Non-owner auto insurance policies cover bodily injury and property damage liability only. Liability insurance covers injuries or property damage that you’re legally liable for as a result of an auto accident. It does not cover your rented or borrowed vehicle if it gets damaged or stolen while you\'re using it because collision and comprehensive coverage isn’t part of the 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\">With a non-owner insurance policy, you can purchase different liability limits. If your state has demanded that you file an SR-22 or FR-44 financial responsibility form, the state may dictate what liability coverage amount you should obtain.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In some states, non-owner auto insurance can include other coverage required by law, like medical payments or uninsured motorist 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\">Some insurers offer non-owner auto policies that extend coverage to rental cars. If you buy non-owner auto insurance to cover you in a rental, you should check with your insurer to confirm your policy includes rental cars. Keep in mind that rental car companies usually are required, by law, to provide the state minimum liability coverage for their cars.</p>\n<!-- /wp: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=\"Whatrsquos_not_covered_by_nonowner_auto_insurance\">What’s not covered by non-owner auto 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\">Non-owner insurance does not include the following types of coverages:</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>Comprehensive</li><li>Collision</li><li>Towing reimbursement</li><li>Rental reimbursement</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\">Non-owner car insurance does not protect against:</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>Damage to the borrowed or rented vehicle:</strong> You won’t be covered if you’re in an accident that causes damage to the vehicle you happen to be driving at the time. This means that if you borrow your friend\'s car and get into a fender bender with another vehicle, the vehicle\'s owner can file a claim under their own car insurance, or against the other driver\'s car insurance.</li><li><strong>Bodily injury you suffer in an accident:</strong> Non-owner car insurance policies provide liability coverage. The policy won’t cover any medical costs or lost wages that you may experience due to injuries sustained in an accident, unless that coverage is required by law in your state and is part of the policy as a result.</li><li><strong>Other drivers:</strong> Non-owner car insurance only covers the person who bought it. It does not offer coverage to other people in your household, like your spouse or others.</li><li><strong>Driving for business purposes:</strong> If you are using your car for work, like delivering packages, non-owners car insurance policy will not cover you.</li><li><strong>Personal belongings:</strong> Non-owner car insurance won’t cover personal belongings inside the motor vehicle, such as bags, laptops or other items.</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=\"How_much_does_nonowner_car_insurance_cost\">How much does non-owner 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\"><strong>The average rate for a non-owner car insurance policy is $380 a year</strong>, based on an analysis of 2022 rates by Insurance.com.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Non-owner auto insurance costs vary, but this coverage is usually less expensive than traditional car insurance. Insurers view those who don’t own cars as less risky because they drive less frequently. Factors influencing cost 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>The amount of liability insurance coverage you want</li><li>Your driving history</li><li>Your geographical location</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\">Depending on your record, high-risk auto insurance may be necessary. If this is the case, a non-owner policy is likely to cost you more than it would with a clean 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\">Drivers may be considered “high-risk” if their record 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>A DUI conviction</li><li>Reckless driving</li><li>Multiple traffic offenses within a short time frame</li><li>Driving without insurance</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’re having your license reinstated after a suspension, your state may require higher liability limits than it does for others. Higher limits will cost a little 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\">In some cases, you might need to file an SR-22 form. An SR-22 is proof of financial responsibility and is required by the state after someone has had their driver\'s license suspended or revoked or after a major traffic violation. Filing a non-owners SR-22 insurance form won’t add to your insurance rates, but the insurer may charge a one-time filing fee of up to $25.</p>\n<!-- /wp: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=\"Is_nonowner_car_insurance_right_for_you\">Is non-owner car insurance right for 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\">So, do you need non-owner 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\">If you have a gap in car ownership, obtaining a non-owner insurance policy to maintain continuous insurance coverage is a good idea. Continuous coverage can make you eligible for discounted rates– and keeps you from rate hikes typically given to those who have a gap in 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\">Insurers define “regular access to a car” in various ways, with some viewing it as using a vehicle as little as once per week or four times per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In certain cases, you may even opt for a non-owner policy when you own a vehicle. If you\'re required to file a certificate, such as an SR-22 or FR-44, and your current carrier does not offer them, you can take out a supplementary non-owner policy with another company to meet this obligation. Because your vehicle won\'t be covered by this secondary policy, the extra costs involved in this strategy are usually low.</p>\n<!-- /wp: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=\"Who_should_not_buy_nonowner_auto_insurance\">Who should not buy non-owner auto 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\">The following scenarios indicate that non-owner auto insurance isn’t the right fit for you.</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>You own a car.</strong> If you own a car, you need a standard policy.</li><li><strong>You’re listed as a primary driver of a vehicle.</strong> Some car insurance companies won’t allow you to buy a non-owner policy if there are too many primary drivers and vehicles listed on a policy. If a policy lists three drivers and three cars, and you\'re one of the drivers, you will be listed as the primary driver on the third vehicle and won\'t be able to buy non-owner car insurance.</li><li><strong>You are using a vehicle for business purposes.</strong> A commercial non-owner policy is better suited for this situation.</li><li><strong>You cannot get a valid license within 30 days.</strong> If you are currently without a valid license and will not be able to get one shortly, you cannot obtain a non-owner policy.</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\" id=\"How_to_get_nonowner_car_insurance\">How to get non-owner 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\">To purchase a non-owner auto insurance policy, you need only your driver’s license number and a credit or debit card. You can get proof of insurance almost immediately by email, and the car insurance company you choose can file an SR-22 or other required state form on your behalf if you need it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You must speak with an agent to obtain a non-owner car insurance quote.</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\">Follow these steps to buy non-owners insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li>Contact an auto insurance company representative about the coverage. If non-owners SR-22 insurance is required, provide the agent with your state notification number (if applicable – not all states require this).</li><li>Supply basic driving history.</li><li>Receive information on available companies and insurance rate quotes.</li><li>Choose the company and quote that best meets your needs.</li><li>Supply a down payment to begin coverage.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">What is non-owner SR-22 insurance?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Non-owner SR-22 insurance is a type of car insurance for drivers who don\'t own a car but are required to have SR-22 insurance. If your license is suspended, you might need to get this type of policy to be able to drive again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An SR-22 is proof of financial responsibility and is required by a state after someone has had their driver\'s license suspended or revoked.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">How do you get non-owner SR-22 insurance?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\">Not every insurance company offers SR-22 policies. So, you will need to ask your current insurer – or any insurers you are considering – whether you can get this coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\">Once you find the right insurer, the company should take care of filing the SR-22 form with the state on your behalf. However, it is always a good idea to ask your insurer directly whether it performs this service.</p>\n<!-- /wp: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=\"Frequently_asked_questions_Nonowner_car_insurance\">Frequently asked questions: Non-owner car insurance</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>How can you get liability insurance without a car?</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\">By purchasing a non-owner car insurance policy, you are getting protection for yourself should you injure another person or damage someone’s property while you are driving.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“Only the person listed on the policy as the ‘named insured’ is eligible for coverage under a non-owner policy,” Kautzer says. “The coverage follows the listed individual, not the vehicle driven.”</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 happens if I have non-owner car insurance and I buy a car?</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 own a car, it\'s important to purchase the right kind of insurance. A traditional auto policy will cover the damage and injuries you cause to others. Non-owner auto insurance policies don’t cover you if you buy a car.</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>Can you drive someone else\'s car without 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\">You don\'t need to get car insurance if you drive someone else\'s car on occasion. However, if you drive other people\'s cars often, it might be a good idea to get non-owner car 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\"><strong>Can you rent a car without 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\"><strong>Yes</strong>, you can rent a car without having auto insurance. In most cases, rental cars come with some form of liability coverage that will protect you in case something goes wrong while driving the vehicle.</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>Do you need insurance if you have a license but no car?</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\">You don\'t need car insurance if you have a license but no car. If you borrow cars occasionally, the owner\'s insurance should cover you. But if you rent cars or drive someone else\'s car frequently, it might be a good idea to get non-owner car 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\"><strong>Can I drive someone else\'s car with my 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\">You don\'t need your own insurance to drive someone else\'s car.  Their insurance will cover you. It\'s known as \"permissive use\" which means their insurance will likely cover you in the event of an accident, as long as you have their permission. If you have insurance on another car, it will not apply to someone else\'s car; however, non-owner insurance can be used as secondary coverage.</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.insurance.com/auto-insurance/faq/insurance-for-non-car-owner.aspx\">click here.</a></p>\n<!-- /wp:paragraph -->','What is non-owner car insurance and who needs it?','','inherit','closed','closed','','3250-revision-v1','','','2023-05-30 04:08:28','2023-05-30 04:08:28','',3250,'http://smartinsurance.tips/?p=3252',0,'revision','',0),(3254,1,'2023-06-30 03:38:33','2023-06-30 03:38:33','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.bankrate.com/2021/10/26092205/Factors-that-impact-insurance-cost.jpg?auto=webp&amp;optimize=high&amp;crop=16:9\" alt=\"A young Mixed race family having lunch at home in Auckland, New Zealand.\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the United States the current average rate for homeowners insurance is $1,428 for $250,000 in dwelling coverage. Being familiar with the different factors that influence premiums for homeowners insurance can be useful when shopping for an insurance policy. It is also helpful to know about all of the options available to enhance a standard homeowners policy that could add to your premium. Bank rate’s insurance editorial team, which includes licensed agents, analyzed the factors that influence home insurance premiums and have provided some helpful tips to help guide you when deciding which policy is best suited to protect you financially against damage to your home and belongings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Factors that impact your home insurance rate</h2>\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 several factors that insurers may use to determine your risk profile as a homeowner. A risk profile simply conveys how likely you are to experience a covered peril and file a claim. If an insurer determines you live in an area where the chance of a claim is higher, then it will likely increase your home insurance rates. The following homeowners insurance cost factors may impact your premium:</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\">Location</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your state&nbsp;and even your ZIP code may influence the amount you pay in home insurance premiums. If your house is located in an area with a history of perils, such as vandalism, theft or weather-related events, you may see a higher premium. However, location could have a positive impact, too. If you are located near a staffed fire station, for example, your home insurance premium could be slightly lower. Location may also be used to determine the replacement cost of your home since construction costs, including labor and materials, may vary depending on region.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-extra-large-font-size\">Dwelling coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Dwelling coverage&nbsp;is the portion of your homeowners insurance policy designed to cover your home’s structure. Insurance companies have valuation tools that help calculate dwelling costs. The insurance agent – or online quoting tool – will ask you questions about your home to determine how much it might cost to rebuild your house. Be prepared to answer questions about the age of the home and appliance systems (HVAC, plumbing, etc.), the roof age and materials, the type of building materials used, the square footage and even the unique features of your home, such as dormers or architectural characteristics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-extra-large-font-size\">Credit history</h3>\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 states where it is allowed, insurers can use a homeowner’s&nbsp;credit-based insurance score&nbsp;as a rating factor assessing the level of risk they are taking on. A higher credit-based insurance score could lead to being perceived as lower risk, and rates are often reduced accordingly. Statistically, homeowners with poor credit are more likely to file claims under their policy than homeowners who have good or excellent credit.</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\">Claims history</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurance companies often take previous claims filed within a certain time frame into consideration when calculating your rate. When a homeowner files a claim, their&nbsp;homeowners insurance company&nbsp;generally assumes they are more likely to file future claims. Having a history of&nbsp;filing insurance claims, even small ones, might indicate an even greater future claims risk for the insurance company.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurers may assess your personal claims history at current and prior properties. What that means is that even if you’re insuring a new home, your prior claims history from other homes will be visible to insurance companies for five to seven years on your&nbsp;Comprehensive Loss Underwriting Exchange (CLUE) report&nbsp;and will likely affect your premium on your new house.</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\">Marital status</h3>\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’re a&nbsp;first-time home buyer&nbsp;or have owned a home for many years, your marital status may impact your homeowners insurance rates. Insurers will typically charge lower rates to married couples because of the assumed lower risk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Age of home</h3>\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 live in an older home, you will likely pay a higher home insurance premium. The older the house, the more likely it is that aging materials could lead to damage to certain key aspects of your home, such as electrical or plumbing. Older homes may need to be brought up to code as part of the rebuilding process, so you may want to consider adding ordinance or law coverage as part of your homeowners insurance policy. This coverage extends to getting the home up to date with current laws or ordinances that were created after the home was built or last updated. If you make upgrades to the heating, electrical or plumbing systems, or any other relevant updates, notify your insurance agent in case your policy should reflect the changes.</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\">Deductible</h3>\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&nbsp;homeowners insurance deductible&nbsp;sets the amount you will pay out of pocket for a covered claim. Agreeing to a higher deductible may decrease your premium, but it could also cost you more out of pocket. Some insurers offer diminishing deductibles on your home policy. For example,&nbsp;American Family&nbsp;may give you up to an $100 credit toward your deductible for every year you go without filing a homeowners claim. This may lower your out-of-pocket cost if you do have to file a claim down the road.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Surprising factors that impact your home insurance rate</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Though the factors above relating to a home’s construction, claims history and the insured’s credit-based insurance score may be significant, there are other factors considered in setting rates that may surprise you.</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>Type of home insurance policy:</strong>&nbsp;There are several different&nbsp;types of home insurance&nbsp;available, which differ in terms of benefits, perils covered, cost and kinds of homes that qualify for coverage. Talking with a licensed insurance agent may be useful to help you understand the different types of home insurance policy types and which may be right for you.</li><li><strong>Distance from water:</strong>&nbsp;“The closer a home is to the coast, the more likely it is to experience flooding or hurricane damage, and tends to increase the cost of insurance,” said Sean Harper of Kin Insurance. According to Harper, “Flood zones play a key role in whether or not you&nbsp;need flood insurance. If you have a federally-backed mortgage, like an&nbsp;FHA loan&nbsp;and your home is in a high-risk flood zone, you’re required to have flood insurance.”</li><li><strong>Distance from a fire station:&nbsp;</strong>Wherever you live, the premiums you pay for home insurance are likely to be impacted by the proximity of your home to a fire department and fire hydrant. The closer you are to a fire station and hydrant, the greater the likelihood a fire can be quickly extinguished and severe damage or complete destruction of your home averted. The insurance industry generally uses the Fire Suppression Rating Schedule (FSRS) from the&nbsp;Insurance Services Office (ISO)&nbsp;to determine your home’s fire risk.</li><li><strong>Dog breed:</strong>&nbsp;Having pets, especially certain&nbsp;dog breeds&nbsp;and exotic animals, may also impact your rates or even your eligibility with some companies. Harper explained, “Some companies will simply raise your rates to account for the increased ‘bite risk.’ Even if your dog isn’t a ‘restricted breed’, a bite history could also impact your rate or ability to get coverage,” said Harper. However, if you are disabled and have a service animal or emotional support animal with specialty training, discuss this with your provider to see if a lower cost or discount will apply.</li><li><strong>Attractive nuisances:</strong>&nbsp;If you have attractive nuisances, or items on your property that could be potentially dangerous and appealing, especially to children, such as&nbsp;pools&nbsp;or playground items like a&nbsp;trampoline, you will likely see higher homeowners insurance rates or eligibility restrictions. Many home insurers will not insure your property if you have a trampoline or diving board for your swimming pool.</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\">This is just a snapshot of some of the more common things that affect your home insurance rates. There are many factors that may affect homeowners insurance premiums, including ones that might not be mentioned.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Additional home insurance coverage options</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Standard homeowners insurance policies offer protection for the structure of your home, your personal belongings and liability. However, home insurance policies don’t cover everything. If you want to fill gaps in your coverage or&nbsp;tailor your policy to fit your specific needs, you might consider adding endorsements or additional policies.</p>\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 instance, if you keep valuable items at home, like fine art or jewelry, you might think about purchasing a&nbsp;scheduled personal property policy&nbsp;or adding the endorsement to your homeowners insurance policy to get higher coverage limits. These add-ons may raise your insurance costs, but can save you from significant out-of-pocket costs in the future if you experience a&nbsp;covered peril.</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>Flood insurance:</strong>&nbsp;Flood insurance&nbsp;is excluded from standard home insurance policies. Although one or two companies offer flood insurance as an endorsement, flood insurance usually comes in the form of a separate policy purchased from the National Flood Insurance Program (NFIP) or a private insurer. Even if you don’t live in a high-risk area for floods, you may still consider flood insurance. According to the&nbsp;Insurance Information Institute (Triple-I), 90 percent of all natural disasters in the U.S. involve flooding, and flood damage strikes frequently in low or moderate risk areas. Flood insurance is typically a requirement if you have a mortgage and your house is located in a flood plain.</li><li><strong>Umbrella policy:</strong>&nbsp;These policies are intended to supplement your personal liability coverage. Liability coverage helps pay for legal expenses and medical costs if someone is injured on your property or you are liable for damage to someone else’s property. If you decide that your liability coverage does not provide enough financial protection, an umbrella policy could help increase your coverage. An&nbsp;umbrella policy&nbsp;may make sense if you have a high net worth, have an attractive nuisance on your property, or if you regularly host parties at your home.</li><li><strong>Sewer backup policy:</strong>&nbsp;Sewer backup insurance&nbsp;is not automatically covered by a homeowners insurance policy. Having this added as an endorsement to your insurance policy will help protect you financially if you experience a sewer or water backup that damages your home or belongings.</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\">There may be other options you want to add. You could speak with your insurance company and licensed insurance agent about optional coverages and additional policies to help create a robust insurance package.</p>\n<!-- /wp:paragraph -->\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\">To read the full article,&nbsp;<a href=\"https://www.bankrate.com/insurance/homeowners-insurance/factors-that-impact-home-insurance-rates/#factors-that-impact-your-home-insurance-rate\">click here.</a></p>\n<!-- /wp:paragraph -->','Factors that impact your cost of homeowners insurance','','publish','closed','closed','','factors-that-impact-your-cost-of-homeowners-insurance','','','2023-07-02 12:57:33','2023-07-02 12:57:33','',0,'http://smartinsurance.tips/?p=3254',0,'post','',0),(3256,1,'2023-06-30 03:20:45','2023-06-30 03:20:45','','My-project-1-1','','inherit','closed','closed','','my-project-1-1-3','','','2023-06-30 03:20:45','2023-06-30 03:20:45','',3255,'http://smartinsurance.tips/wp-content/uploads/2023/06/My-project-1-1.png',0,'attachment','image/png',0),(3257,1,'2023-06-30 03:24:47','2023-06-30 03:24:47','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3256,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/06/My-project-1-1.png\" alt=\"\" class=\"wp-image-3256\"/></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\">Having the right rewards credit card in your wallet can be a fast-track to saving money on everything from a dream vacation to daily necessities. But credit card rewards are only valuable if you know how to use them. That means choosing the right rewards card for your wallet, maximizing your redemptions and avoiding interest payments that could wipe out your rewards value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Below, we\'ll break down why rewards credit cards might be worth it for you — and a few reasons some consumers may want to wait before opening 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\"><strong>Are rewards credit cards worth it?</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\">Here are two major reasons why a rewards credit card may be valuable for you:</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\"><strong>You can save on frequent spending or specific purchases</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\">Rewards credit cards offer cash back, points or miles on eligible purchases, so they can offer a lot of value over time if you choose the right rewards. To maximize value, consider both the types of rewards offered and the card\'s rewards structure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">First, decide whether you\'d prefer to earn cash back, points or miles rewards. Cash back rewards may be easier to use — you\'ll earn a percentage back on eligible purchases, which you can redeem for cash value. But points and miles rewards may potentially be worth more if you want to use your rewards towards travel, either with a specific airline or hotel or using your issuer\'s rewards program. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Also, consider how you\'ll actually earn the rewards. If you tend to spend a lot on certain things — travel, dining or groceries, for example — you could benefit from a card that earns higher rewards in those categories. Otherwise, a card with a flat rewards rate across all spending categories might be the better option. Credit card rewards are the most valuable if you can benefit over the long run, so pick categories that will help you keep earning year after year.</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\"><strong>You can get added perks</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 benefits of rewards credit cards don\'t end with the cash back or points you earn. Many of these cards come with high value added perks that make them worth it long-term, too.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Not only will you get consumer protections like zero fraud liability and identity theft alerts, but many rewards cards also have annual statement credits, discounts or credits with certain retailers, travel and car rental insurance and more.&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\">Plus, many rewards cards have welcome bonuses — which can add a lot of value within the first few months. These bonuses typically offer a few hundred dollars worth of cash back or points value after you meet a certain spending threshold within a designated time period after opening.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Consider the annual fee</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 speaking, the better the rewards and benefits a credit card offers, the higher its annual fee.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To make sure your rewards card is worth it, compare the value you\'re getting to the annual fee cost. This is especially true for premium travel rewards cards which can carry fees upwards of $600 annually.&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\">You may surpass the annual fee cost in rewards value alone, especially if your spending is focused on your card\'s rewards categories. But even if not, the annual statement credits, airport lounge access, partner discounts and other benefits can go a long way to offset the cost — as long you use them.&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\"><strong>Qualify with great credit</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\">Many rewards credit cards require at least a \"good\" credit score (670 or higher, according to FICO) to get approved, but the closer you are to 800 or higher, the better your chances are of qualifying. </p>\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 still building your credit, you may not qualify for the rewards card you want. Instead of applying and getting denied (which can affect your credit score, at least temporarily), consider opening a credit card that you\'re more likely to get approved for. Then, once you\'ve used it to increase your credit, you can upgrade to a rewards credit card and start maximizing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Avoid interest payments</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\">One case in which a rewards credit card is definitely not worth it is when you carry a balance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Credit card interest rates currently average higher than 20% APR. Even if you score some of the best rewards available today, such as 4X points at restaurants or 6% back at supermarkets, accruing interest on your purchases will cost you far more than you earn.</p>\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 considering a rewards credit card, make sure you have a plan in place to spend only what you can afford and pay your balances off each month, so you can benefit from the full rewards value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Should you get a rewards credit card?</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\">If you have good credit and can avoid costly interest payments, the cash back, points or miles you\'ll earn with a rewards credit card can definitely be worth 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\">Just make sure you choose a card with rewards that work best for your spending and will help you get enough value to outweigh any annual fees. Then, you can start maximizing your rewards and benefits for everyday savings, an upcoming purchase, free future travel and more.</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.cbsnews.com/news/are-rewards-credit-cards-worth-it/?intcid=CNI-00-10aaa3a\">click here.</a></p>\n<!-- /wp:paragraph -->','Are rewards credit cards worth it?','','inherit','closed','closed','','3255-revision-v1','','','2023-06-30 03:24:47','2023-06-30 03:24:47','',3255,'http://smartinsurance.tips/?p=3257',0,'revision','',0),(3255,1,'2023-06-30 03:24:47','2023-06-30 03:24:47','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3256,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/06/My-project-1-1.png\" alt=\"\" class=\"wp-image-3256\"/></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\">Having the right rewards credit card in your wallet can be a fast-track to saving money on everything from a dream vacation to daily necessities. But credit card rewards are only valuable if you know how to use them. That means choosing the right rewards card for your wallet, maximizing your redemptions and avoiding interest payments that could wipe out your rewards value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Below, we\'ll break down why rewards credit cards might be worth it for you — and a few reasons some consumers may want to wait before opening 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\"><strong>Are rewards credit cards worth it?</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\">Here are two major reasons why a rewards credit card may be valuable for you:</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\"><strong>You can save on frequent spending or specific purchases</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\">Rewards credit cards offer cash back, points or miles on eligible purchases, so they can offer a lot of value over time if you choose the right rewards. To maximize value, consider both the types of rewards offered and the card\'s rewards structure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">First, decide whether you\'d prefer to earn cash back, points or miles rewards. Cash back rewards may be easier to use — you\'ll earn a percentage back on eligible purchases, which you can redeem for cash value. But points and miles rewards may potentially be worth more if you want to use your rewards towards travel, either with a specific airline or hotel or using your issuer\'s rewards program. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Also, consider how you\'ll actually earn the rewards. If you tend to spend a lot on certain things — travel, dining or groceries, for example — you could benefit from a card that earns higher rewards in those categories. Otherwise, a card with a flat rewards rate across all spending categories might be the better option. Credit card rewards are the most valuable if you can benefit over the long run, so pick categories that will help you keep earning year after year.</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\"><strong>You can get added perks</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 benefits of rewards credit cards don\'t end with the cash back or points you earn. Many of these cards come with high value added perks that make them worth it long-term, too.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Not only will you get consumer protections like zero fraud liability and identity theft alerts, but many rewards cards also have annual statement credits, discounts or credits with certain retailers, travel and car rental insurance and more.&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\">Plus, many rewards cards have welcome bonuses — which can add a lot of value within the first few months. These bonuses typically offer a few hundred dollars worth of cash back or points value after you meet a certain spending threshold within a designated time period after opening.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Consider the annual fee</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 speaking, the better the rewards and benefits a credit card offers, the higher its annual fee.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To make sure your rewards card is worth it, compare the value you\'re getting to the annual fee cost. This is especially true for premium travel rewards cards which can carry fees upwards of $600 annually.&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\">You may surpass the annual fee cost in rewards value alone, especially if your spending is focused on your card\'s rewards categories. But even if not, the annual statement credits, airport lounge access, partner discounts and other benefits can go a long way to offset the cost — as long you use them.&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\"><strong>Qualify with great credit</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\">Many rewards credit cards require at least a \"good\" credit score (670 or higher, according to FICO) to get approved, but the closer you are to 800 or higher, the better your chances are of qualifying. </p>\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 still building your credit, you may not qualify for the rewards card you want. Instead of applying and getting denied (which can affect your credit score, at least temporarily), consider opening a credit card that you\'re more likely to get approved for. Then, once you\'ve used it to increase your credit, you can upgrade to a rewards credit card and start maximizing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Avoid interest payments</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\">One case in which a rewards credit card is definitely not worth it is when you carry a balance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Credit card interest rates currently average higher than 20% APR. Even if you score some of the best rewards available today, such as 4X points at restaurants or 6% back at supermarkets, accruing interest on your purchases will cost you far more than you earn.</p>\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 considering a rewards credit card, make sure you have a plan in place to spend only what you can afford and pay your balances off each month, so you can benefit from the full rewards value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Should you get a rewards credit card?</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\">If you have good credit and can avoid costly interest payments, the cash back, points or miles you\'ll earn with a rewards credit card can definitely be worth 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\">Just make sure you choose a card with rewards that work best for your spending and will help you get enough value to outweigh any annual fees. Then, you can start maximizing your rewards and benefits for everyday savings, an upcoming purchase, free future travel and more.</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.cbsnews.com/news/are-rewards-credit-cards-worth-it/?intcid=CNI-00-10aaa3a\">click here.</a></p>\n<!-- /wp:paragraph -->','Are rewards credit cards worth it?','','publish','closed','closed','','are-rewards-credit-cards-worth-it','','','2023-06-30 03:24:47','2023-06-30 03:24:47','',0,'http://smartinsurance.tips/?p=3255',0,'post','',0),(3260,1,'2023-06-30 03:38:33','2023-06-30 03:38:33','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.bankrate.com/2021/10/26092205/Factors-that-impact-insurance-cost.jpg?auto=webp&amp;optimize=high&amp;crop=16:9\" alt=\"A young Mixed race family having lunch at home in Auckland, New Zealand.\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the United States the current average rate for homeowners insurance is $1,428 for $250,000 in dwelling coverage. Being familiar with the different factors that influence premiums for homeowners insurance can be useful when shopping for an insurance policy. It is also helpful to know about all of the options available to enhance a standard homeowners policy that could add to your premium. Bank rate’s insurance editorial team, which includes licensed agents, analyzed the factors that influence home insurance premiums and have provided some helpful tips to help guide you when deciding which policy is best suited to protect you financially against damage to your home and belongings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Factors that impact your home insurance rate</h2>\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 several factors that insurers may use to determine your risk profile as a homeowner. A risk profile simply conveys how likely you are to experience a covered peril and file a claim. If an insurer determines you live in an area where the chance of a claim is higher, then it will likely increase your home insurance rates. The following homeowners insurance cost factors may impact your premium:</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\">Location</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your state and even your ZIP code may influence the amount you pay in home insurance premiums. If your house is located in an area with a history of perils, such as vandalism, theft or weather-related events, you may see a higher premium. However, location could have a positive impact, too. If you are located near a staffed fire station, for example, your home insurance premium could be slightly lower. Location may also be used to determine the replacement cost of your home since construction costs, including labor and materials, may vary depending on region.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-extra-large-font-size\">Dwelling coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Dwelling coverage is the portion of your homeowners insurance policy designed to cover your home’s structure. Insurance companies have valuation tools that help calculate dwelling costs. The insurance agent – or online quoting tool – will ask you questions about your home to determine how much it might cost to rebuild your house. Be prepared to answer questions about the age of the home and appliance systems (HVAC, plumbing, etc.), the roof age and materials, the type of building materials used, the square footage and even the unique features of your home, such as dormers or architectural characteristics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-extra-large-font-size\">Credit history</h3>\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 states where it is allowed, insurers can use a homeowner’s credit-based insurance score as a rating factor assessing the level of risk they are taking on. A higher credit-based insurance score could lead to being perceived as lower risk, and rates are often reduced accordingly. Statistically, homeowners with poor credit are more likely to file claims under their policy than homeowners who have good or excellent credit.</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\">Claims history</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurance companies often take previous claims filed within a certain time frame into consideration when calculating your rate. When a homeowner files a claim, their homeowners insurance company generally assumes they are more likely to file future claims. Having a history of filing insurance claims, even small ones, might indicate an even greater future claims risk for the insurance company.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurers may assess your personal claims history at current and prior properties. What that means is that even if you’re insuring a new home, your prior claims history from other homes will be visible to insurance companies for five to seven years on your Comprehensive Loss Underwriting Exchange (CLUE) report and will likely affect your premium on your new house.</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\">Marital status</h3>\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’re a first-time home buyer or have owned a home for many years, your marital status may impact your homeowners insurance rates. Insurers will typically charge lower rates to married couples because of the assumed lower risk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Age of home</h3>\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 live in an older home, you will likely pay a higher home insurance premium. The older the house, the more likely it is that aging materials could lead to damage to certain key aspects of your home, such as electrical or plumbing. Older homes may need to be brought up to code as part of the rebuilding process, so you may want to consider adding ordinance or law coverage as part of your homeowners insurance policy. This coverage extends to getting the home up to date with current laws or ordinances that were created after the home was built or last updated. If you make upgrades to the heating, electrical or plumbing systems, or any other relevant updates, notify your insurance agent in case your policy should reflect the changes.</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\">Deductible</h3>\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 homeowners insurance deductible sets the amount you will pay out of pocket for a covered claim. Agreeing to a higher deductible may decrease your premium, but it could also cost you more out of pocket. Some insurers offer diminishing deductibles on your home policy. For example, American Family may give you up to an $100 credit toward your deductible for every year you go without filing a homeowners claim. This may lower your out-of-pocket cost if you do have to file a claim down the road.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Surprising factors that impact your home insurance rate</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Though the factors above relating to a home’s construction, claims history and the insured’s credit-based insurance score may be significant, there are other factors considered in setting rates that may surprise you.</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>Type of home insurance policy:</strong> There are several different types of home insurance available, which differ in terms of benefits, perils covered, cost and kinds of homes that qualify for coverage. Talking with a licensed insurance agent may be useful to help you understand the different types of home insurance policy types and which may be right for you.</li><li><strong>Distance from water:</strong> “The closer a home is to the coast, the more likely it is to experience flooding or hurricane damage, and tends to increase the cost of insurance,” said Sean Harper of Kin Insurance. According to Harper, “Flood zones play a key role in whether or not you need flood insurance. If you have a federally-backed mortgage, like an FHA loan and your home is in a high-risk flood zone, you’re required to have flood insurance.”</li><li><strong>Distance from a fire station: </strong>Wherever you live, the premiums you pay for home insurance are likely to be impacted by the proximity of your home to a fire department and fire hydrant. The closer you are to a fire station and hydrant, the greater the likelihood a fire can be quickly extinguished and severe damage or complete destruction of your home averted. The insurance industry generally uses the Fire Suppression Rating Schedule (FSRS) from the Insurance Services Office (ISO) to determine your home’s fire risk.</li><li><strong>Dog breed:</strong> Having pets, especially certain dog breeds and exotic animals, may also impact your rates or even your eligibility with some companies. Harper explained, “Some companies will simply raise your rates to account for the increased ‘bite risk.’ Even if your dog isn’t a ‘restricted breed’, a bite history could also impact your rate or ability to get coverage,” said Harper. However, if you are disabled and have a service animal or emotional support animal with specialty training, discuss this with your provider to see if a lower cost or discount will apply.</li><li><strong>Attractive nuisances:</strong> If you have attractive nuisances, or items on your property that could be potentially dangerous and appealing, especially to children, such as pools or playground items like a trampoline, you will likely see higher homeowners insurance rates or eligibility restrictions. Many home insurers will not insure your property if you have a trampoline or diving board for your swimming pool.</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\">This is just a snapshot of some of the more common things that affect your home insurance rates. There are many factors that may affect homeowners insurance premiums, including ones that might not be mentioned.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Additional home insurance coverage options</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Standard homeowners insurance policies offer protection for the structure of your home, your personal belongings and liability. However, home insurance policies don’t cover everything. If you want to fill gaps in your coverage or tailor your policy to fit your specific needs, you might consider adding endorsements or additional policies.</p>\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 instance, if you keep valuable items at home, like fine art or jewelry, you might think about purchasing a scheduled personal property policy or adding the endorsement to your homeowners insurance policy to get higher coverage limits. These add-ons may raise your insurance costs, but can save you from significant out-of-pocket costs in the future if you experience a covered peril.</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>Flood insurance:</strong> Flood insurance is excluded from standard home insurance policies. Although one or two companies offer flood insurance as an endorsement, flood insurance usually comes in the form of a separate policy purchased from the National Flood Insurance Program (NFIP) or a private insurer. Even if you don’t live in a high-risk area for floods, you may still consider flood insurance. According to the Insurance Information Institute (Triple-I), 90 percent of all natural disasters in the U.S. involve flooding, and flood damage strikes frequently in low or moderate risk areas. Flood insurance is typically a requirement if you have a mortgage and your house is located in a flood plain.</li><li><strong>Umbrella policy:</strong> These policies are intended to supplement your personal liability coverage. Liability coverage helps pay for legal expenses and medical costs if someone is injured on your property or you are liable for damage to someone else’s property. If you decide that your liability coverage does not provide enough financial protection, an umbrella policy could help increase your coverage. An umbrella policy may make sense if you have a high net worth, have an attractive nuisance on your property, or if you regularly host parties at your home.</li><li><strong>Sewer backup policy:</strong> Sewer backup insurance is not automatically covered by a homeowners insurance policy. Having this added as an endorsement to your insurance policy will help protect you financially if you experience a sewer or water backup that damages your home or belongings.</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\">There may be other options you want to add. You could speak with your insurance company and licensed insurance agent about optional coverages and additional policies to help create a robust insurance package.</p>\n<!-- /wp:paragraph -->\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\">To read the full article, <a href=\"https://www.bankrate.com/insurance/homeowners-insurance/factors-that-impact-home-insurance-rates/#factors-that-impact-your-home-insurance-rate\">click here.</a></p>\n<!-- /wp:paragraph -->','Factors that impact your cost of homeowners insurance','','inherit','closed','closed','','3254-revision-v1','','','2023-06-30 03:38:33','2023-06-30 03:38:33','',3254,'http://smartinsurance.tips/?p=3260',0,'revision','',0),(3261,1,'2023-06-30 03:47:32','2023-06-30 03:47:32','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/XcSXVia_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You’ve worked hard to build the life that you have, and it’s understandable that you want to protect it from those who would do you harm. In America, a home is burglarized every 15 seconds. That’s an average of nearly 5,000 break-ins a day. If you don’t want to be part of that statistic, it’s important to invest in a home security system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">That said, there are a multitude of products and services on the market that claim to help increase your safety. Finding the right home security system doesn’t have to be daunting, but it’s not a process to take lightly.</p>\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 before you start picking out motion sensors and security cameras, it’s important to understand how each component will work in concert with the system as a whole. In this guide, we’re going to share everything you need to know to choose the right home security system.</p>\n<!-- /wp: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 Elements of a Home Security System</h2>\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 we talk about home security systems, we’re talking about combinations of hardware devices and monitoring services. Generally speaking, you’ll be paying your home security system provider for two things: the hardware that will detect intruders and other threats, and the monitoring services that will trigger calls to the authorities when your system detects a threat. You’ll pay for the former once and the latter on a month-to-month basis. However, you can also buy a self-monitored system and avoid monthly fees altogether.</p>\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 before pulling out your credit card and jumping on the latest deal, you should keep your biggest needs in mind when choosing the best system for your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">So it’s best to start with these questions: Do you have a huge wooded backyard where prowlers might be lurking? You’ll probably need motion sensors and lights, as well as weatherproof outdoor cameras for video surveillance. Do you live in a ground-floor apartment with windows facing the street? You’ll need glass-breakage alarms and loud sirens. Do you regularly purchase items that are delivered to your home? Consider a video doorbell that will record porch pirates.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With that in mind, this hardware can detect threats in and around your home, but that doesn’t do you much good unless you have some way for those sensors to alert you and, more importantly, the authorities.</p>\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’ll talk more about monitoring services in a minute, but let’s first take a closer look at the hardware that you might see in a typical home security system.</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\">Entry Sensors</h3>\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>What they do</strong>: Entry sensors are a staple of any comprehensive security system. These detect when doors or windows are opened and can be programmed to alert you under a variety of different conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>How they work</strong>: Many of these small contact sensors come with adhesive backing for easy DIY mounting. And the vast majority of entry sensors use magnets to detect when windows or doors are open. When the magnets separate, the siren sounds and an alert is triggered.</p>\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>What they’re good for</strong>: Peace of mind. It’s a relief knowing that unauthorized entry into your home via windows or doors will automatically alert you or the authorities, especially when you’re away at work or on vacation.</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\">Motion Sensors</h3>\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>What they do</strong>: Generally speaking, motion sensors sound an alarm and trigger mobile alerts that are sent to your phone when motion is detected inside of your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>How they work</strong>: These devices use lasers or infrared light. When the field or beam is broken, they’ll be tripped. Some of the most high-tech sensors can differentiate between people and animals, and can even detect body heat.</p>\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>What they’re good for</strong>: Additional layers of security. Motion sensors aren’t your primary line of defense, but they can help make a decent home security system even more powerful. We like to set our system to “away mode” when leaving town. This way, the motion sensors are activated, and the inside of our home is protected.</p>\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>Pro Tip:</strong> Motion sensors are a great additional layer of security, but be careful if you have children, pets, or roommates. You don’t want your motion detectors constantly being tripped for no reason.</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\">Sirens and Alarms</h3>\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>What they do</strong>: A good siren will draw attention to your home should an unwanted visitor make an appearance. Sometimes these are loud alarms (100+ dB), and sometimes authoritative voices will sound off. Every alarm system will have a siren, typically built into the control keypad or as a separate device, and you can also find home security cameras with sirens.</p>\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>How they work</strong>: Sirens work as active deterrents. Sirens and alarms should integrate with your other sensors and be programmed to detect suspicious activity. Most security systems can be programmed to work on a schedule and be armed at certain times of the 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\"><strong>What they’re good for</strong>: Alerting you to an intruder\'s presence, and scaring that intruder off. Unfortunately, the police usually can’t immediately respond to a burglary — most break-ins are over in minutes, if not seconds — but a loud alarm is usually enough to deter most criminals.</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\">Security Cameras</h3>\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>What they do</strong>: Security cameras can be mounted both indoors and outdoors to keep an eye on your property when you can’t. The best security cameras constantly record footage and back it up to the cloud through your monitoring provider so that it can be viewed later if a crime has taken place. You can self-monitor other cameras using a mobile app.</p>\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>How they work</strong>: Security cameras record either constantly or only when triggered by motion. That said, there are a wide variety of cameras out there. Some are better for recording at night. Some have huge fields of vision. Some come with sirens, and most have two-way talk. Modern security cameras even use artificial intelligence to distinguish humans from other moving objects, or even to detect familiar faces. However, the higher-end cameras can get a little pricey, so it’s important to understand your needs before shopping for a security camera.</p>\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>What they’re good for</strong>: Security cams are an effective deterrent, and the footage can sometimes be used as evidence. While a security camera isn’t as overt as an alarm going off when a door is kicked in, criminals will often notice them and pick a different property to burglarize. If the crook is still clueless enough to break in despite the presence of security cameras, though, the police may have enough evidence to 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\"><strong>Pro Tip:</strong> Not all security cameras are created equal. For the best protection, you’ll want equipment that records in high definition with some sort of night-vision functionality. You don’t want security cameras that work only half the time.</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\">Video Doorbells</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\"><strong>What they do</strong>: Video doorbells have come a long way in the past couple of years. The higher-end models will record visitors and allow for two-way communication, and some of the best ones will even alert authorities if a panic button in the associated mobile app is pressed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\"><strong>How they work</strong>: Video doorbells are either battery-powered or hardwired into your home’s electrical system. They replace the need for a traditional doorbell and integrate with your phone for management. They’re one of the few pieces of hardware that you’ll enjoy using on a day-to-day basis, as their function extends beyond security.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\"><strong>What they’re good for</strong>: Entryway management and protecting against porch pirates. As stated above, video doorbells have a wide range of functionality beyond protecting your property, but they’re really good at deterring people from stealing your packages. And — similar to other security cameras — they’re great for providing evidence to authorities if a crime does take place.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Floodlights</h3>\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>What they do</strong>: Most floodlights are motion activated and shine a brilliant light on movement in the darkness. Maybe it’s a raccoon, but it could also be someone sneaking onto your property using the cover of darkness.</p>\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>How they work</strong>: If movement is detected, the floodlight will activate and light up the night. When placed strategically around your property, floodlights will make it so there’s nowhere to hide. And burglars hate to be seen.</p>\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>What they’re good for</strong>: Deterrence. A lot of criminals prefer to sneak around in the dark. If they’re suddenly lit up like the Las Vegas Strip, they’re likely to run.</p>\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>Pro Tip:</strong> If you have a lot of land, it’s not essential that your floodlights cover every square inch of your property. Instead, focus on access points as well as any areas where visibility might be obscured.</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\">Atmospheric and Environmental Sensors</h3>\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>What they do</strong>: Not all threats to your property and safety are physical. Sometimes your environment can become dangerous without your knowledge. These sensors will alert you if there is a carbon monoxide leak, if they detect smoke, if flooding occurs, or if other environmental threats are recognized.</p>\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>How they work</strong>: These sensors are calibrated to detect specific compounds or changes in your home’s atmosphere. They can be integrated into an overall security system or purchased as stand-alone devices.</p>\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>What they’re good for</strong>: Keeping you alive and safe. Carbon monoxide and smoke should not be taken lightly. Not to be dramatic, but these elements can kill very quickly if you’re not alerted to their presence. No home security system is complete without environmental sensors.</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\">Glass-Breakage Sensors</h3>\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>What they do</strong>: Sometimes thieves won’t bother with trying to shim a window open or pick a lock. Smash-and-grab criminals will instead bust out a window, hoping to get in and out of your property fast enough that they won’t be caught. Glass-breakage sensors will sound an alarm when a window breaks, deterring the criminal immediately and/or alerting authorities. ADT’s hardware is some of the best in the industry, and if you’re looking for the total package, read our analysis of ADT’s overall security offerings.</p>\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>How they work</strong>: These sensors rely on tiny microphones that detect the high-frequency sound of glass breaking. Once they’ve been triggered, they sound an alarm and/or immediately alert authorities, depending on how they’re monitored.</p>\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=\"caption-attachment-18548\">Vivint Glass Break Sensor</p>\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>What they’re good for</strong>: Preventing smash-and-grab burglaries. If a criminal breaks your window, they’re likely trying to get in and out quickly. If an alarm sounds, they’re less likely to want to stick around. To safeguard your home, use these sensors in addition to entryway and motion sensors.</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\">Panic Buttons</h3>\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>What they do</strong>: These wall-mounted or neck pendant devices immediately connect you to assistance, whether that is paramedics, the fire department, or police.</p>\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>How they work</strong>: Most panic buttons have different options for different types of emergencies and are directly connected to your service provider. Once the button is activated — usually holding it down for a few seconds to prevent false alarms — help will be dispatched immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"caption-attachment-18548\">SimpliSafe – Panic Button</p>\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>What they’re good for</strong>: Protection and peace of mind. Of all of the hardware on this list, panic buttons are the most underrated. They will immediately connect you with the help you need if there’s a life-threatening situation.</p>\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>Pro Tip:</strong> If you\'re concerned that you might not be able to get to your panic button in time, several providers offer wearable devices. These are great for seniors or others who might become immobilized by a medical emergency. For more information on these life-saving devices, check out our guide to the best medical alert systems.</p>\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 you have an understanding of the different elements of a home security system, it’s time to decide which pieces of hardware make the most sense for your living situation.</p>\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 live in an apartment, you probably won’t have much use for floodlights, and if there’s a lot of activity going on at your place throughout the day, motion sensors might not be right for you either. There’s no one-size-fits-all approach, so being strategic is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong><br>Pro Tip:</strong> If you\'re concerned that you might not be able to get to your panic button in time, several providers offer wearable devices. These are great for seniors or others who might become immobilized by a medical emergency.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Tailoring Your System to Your Home</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Understanding the way your home is set up and knowing your vulnerabilities are two of the most important concerns when setting up a comprehensive home security system. You don’t really need glass-breakage sensors on second-story windows, do you? You’re probably going to want to point a security camera at your shed in the back where you keep your expensive lawn equipment, right? There are a few things to keep in mind, so let’s discuss the basics.</p>\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><br>Pro Tip:</strong> When considering what type of hardware you need to protect yourself, it helps to think like a criminal. If you were going to break into your home, how would you do it?</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\">Points of Access</h3>\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 should be your starting point. Go around your home and identify windows, doors, and any other points where a criminal could potentially gain access. Then determine how many entry sensors and glass-breakage sensors you’ll need. You want to make sure every point of entry is covered — you’d be surprised how resourceful criminals 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\"><strong>Pro Tip:</strong>&nbsp;When considering what type of hardware you need to protect yourself, it helps to think like a criminal. If you were going to break into your home, how would you do 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\">The Size of Your Space</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Next, consider the size of the property you want to protect. How many motion detectors, security cameras, and other pieces of equipment do you need so that there are no blind spots? That will depend, in part, on how much ground you have to cover. Size up your space and consider your options. The bigger your home, the more equipment you may want to consider. Thankfully, almost every security company offers kits that come with multiple sensors. For example, SimpliSafe offers seven entry sensors and one motion sensor in its essentials kit, and additional hardware is relatively inexpensive.</p>\n<!-- /wp: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’s at Home?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Do you have kids? Pets? Valuables? Collectibles? What you have in your home may shape your security preferences. Motion detectors aren’t too useful when you have kids and nannies running around during the day — remember, motion sensors are most useful when you’re out of town — but cameras that will allow you to check in and monitor things while you’re at work might be useful. The best indoor cameras that we’ve found include Nest, Arlo, and Ring. You may want extra carbon monoxide or motion detectors in certain areas of your home, or a system that allows more home automation controls for things like your smart thermostat or smart lights.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Special Cases</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Do you care for an elderly relative? Do you have a health condition, like diabetes or seizures, that might require immediate assistance? There are plenty of products on the market for special use cases. This isn’t something you need to obsess over — we’re not trying to inspire paranoia here — but you should definitely consider all the outcomes you want to protect against.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These elements are all important to consider, but as we’ve said before, every situation is different. Consider your needs, consider your unique property, and consider having a professional come to your home to give you a consultation. Many service providers, like Vivint and ADT, offer walk-throughs and hardware recommendations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With that in mind, let’s discuss your provider options as well as how you’re going to manage your new home security system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Home Security Providers</h2>\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 a multitude of home security system providers out there. They’ll all differ on available hardware, costs, and application. However, one of the most important distinctions you’ll see is whether or not the provider offers professional monitoring.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Like we said above, a home security system will only deter criminals unless it is professionally monitored. If you choose 24/7 professional monitoring, this service will immediately dispatch emergency services if something is amiss.</p>\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>Pro Tip:</strong> Having professional monitoring can also help you cut down on instances of false alarms. There’s nothing quite as embarrassing as having to tell a police officer you forgot your disarm code. If you’re looking for a great, professionally monitored alarm system, </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now, this service will cost you. Depending on what you’re looking to monitor, expect to pay anywhere between $10 and $60 per month. If that’s not in your budget, it’s perfectly acceptable to monitor your own system and avoid the monthly payment. Although some people believe the peace of mind offered by professional monitoring is invaluable, we see benefits to both monitored and unmonitored systems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Once you’ve decided on how you’re going to monitor your system, you’re going to need to control it. There are several ways to accomplish this, which we’ll discuss below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Management: Keypads, Control Panels, and Apps</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Almost every home security provider will offer some kind of setup for managing your security system. This is where you’ll arm and disarm the system, deactivate false alarms, view security camera footage, and check activity logs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many traditional security systems make use of a keypad or touchscreen control panel, which is generally installed inside your home near your main point of entry. This makes it easy to arm or disarm the alarm.</p>\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 said, many modern systems offer mobile apps that convert your smartphone into your digital command center. Some of the best mobile security apps in the game include those from Vivint, ADT, and Frontpoint.</p>\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 there are pros and cons to each type of system, it’s important to understand your options. If you’re looking for a system that can be controlled by your phone, you might also be interested in integrating your security system into a greater smart home system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Smart Home Connectivity</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home security systems are getting smarter. Many now use wireless connections to keep you up to date through apps and keep your security hardware online and functional. Since so many modern systems feature network connectivity, it makes sense that some can play nice with — or even include — connected home devices that don’t have much to do with security at all.</p>\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 lot of modern home security solutions now include smart home features, like the ability to turn your lights on and off from afar, lock and unlock doors remotely, and adjust your thermostat from your phone. While these functions don’t necessarily have security implications, they do add convenience.</p>\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>Pro Tip:</strong>&nbsp;The more connections you have, the more vulnerable your network becomes to cybercrime. If you’re setting up a smart home, make sure you protect yourself with a virtual private network.</p>\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 you have a pretty good understanding of what a security system looks like and what you’re likely to need, we can discuss the elements that make one system better than another. A lot of these have to do with preference, but some elements are objectively superior.</p>\n<!-- /wp: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 Differentiates Security Systems?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Virtually all home security systems offer intruder sensors, monitoring capacity, and in-home alarms. Most offer the other devices we covered above, either in established home security bundles or as add-ons. So what’s the difference? What sets some systems apart? There are a few distinctions to not.</p>\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>Wireless versus hardwired</strong>: One of the most important distinctions between different security systems is found in how they stay connected. The wired-versus-wireless distinction applies to both connected sensors and the connection between your system and the company monitoring it. And which wires are used matters, too; some older systems rely on landline phone lines, for instance, to reach the monitoring service.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s important to note that wireless is the way of the future (and the present, for that matter). We recommend wireless home security systems in 90 percent of cases. The fact is, wireless systems are easier to set up, which you can often do yourself in a matter of minutes, which brings us to our next point.</p>\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>Professional versus DIY installation</strong>: Depending on which system you choose, you may be setting up and connecting sensors and control panels 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\">As you might expect, the top DIY wireless security systems are simple to install. Generally speaking, with this type of system, you won’t have to worry about drilling holes in your wall or soldering wires to get your new system up and running. Still, as you shop, you may want to consider your tech-savviness and your willingness to put in the time to get things up and running.</p>\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=\"caption-attachment-18548\">Don, the Vivint Installation Technician, installing our Smart Garage Door Opener</p>\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>Self-monitoring options</strong>: As we mentioned above, you can expect to pay a monthly fee to have your security system provider monitor your system’s sensors. But some systems also give you powerful options to monitor things 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\">You can also, of course, set up some self-monitoring options on your own. You don’t need a home security contract to buy a webcam and set up a security monitoring system of your own.</p>\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>Prices and contracts</strong>: Ah yes, the ultimate differentiating factor: 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\">Depending on which security system you choose, you may pay different prices for hardware, installation, and monthly monitoring services. Since each case is unique, it’s difficult for us to predict what it might cost you. Typically, though, you can expect to pay hundreds of dollars if you’re purchasing and assembling a comprehensive home security system from scratch. If this sounds a little steep, there are more affordable options available.</p>\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 a more clear understanding of what you’re looking at price-wise, here’s a quick rundown of our favorite systems and their starting costs. Keep in mind, though, that these are base prices. The more hardware you add, the more you’ll spend.</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\">Home Security Costs</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And then there’s the contract. A typical home security contract will lock you in for three years of service, but some companies require a longer commitment. Others forgo long-term contracts entirely and let you subscribe month to month. Most companies that do this, though, require that you pay the equipment in full up-front, so there\'ll be a higher upfront 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\">That\'s about it. Now that you have all the information you need, it’s time to start shopping around for the right home security solution for your specific situation. Before you go, though, we have one last resource for 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\">There are a lot of factors to consider as you choose a security system, but we can help you narrow things down. Our security system comparison tool allows you to plug in your information and let our expert findings and experience guide you in making the best decision for your situation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Making Your Decision</h2>\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’s certainly a lot to consider when choosing a security system for your home. Which hardware will you need? Can you install it yourself? Do you want it monitored professionally? Are you going wireless? How much are you willing to spend? All of these questions need to be answered to narrow things down, and we understand if the process seems daunting.</p>\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 a critically important process, though. Break-ins, home invasions, and burglaries are some of the worst things you can go through in this life. They’re deeply unsettling, and the physical, emotional, and economic trauma of going through such an ordeal can last for 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\">We want to give you the best information available to make the best decision possible for you and your family. And one of the best places to start that process is with our comparison of the best home security systems on the market today.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Stay smart and stay safe!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.safehome.org/security-systems/choose/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Choose a Home Security System','','publish','closed','closed','','how-leasing-an-electric-vehicle-can-save-you-money','','','2023-06-30 04:14:12','2023-06-30 04:14:12','',0,'http://smartinsurance.tips/?p=3261',0,'post','',0),(3262,1,'2023-06-30 03:41:42','2023-06-30 03:41:42','','My-project-1-3','','inherit','closed','closed','','my-project-1-3','','','2023-06-30 03:41:42','2023-06-30 03:41:42','',3261,'http://smartinsurance.tips/wp-content/uploads/2023/06/My-project-1-3.png',0,'attachment','image/png',0),(3263,1,'2023-06-30 03:42:11','2023-06-30 03:42:11','','My-project-1-3-1','','inherit','closed','closed','','my-project-1-3-1','','','2023-06-30 03:42:11','2023-06-30 03:42:11','',3261,'http://smartinsurance.tips/wp-content/uploads/2023/06/My-project-1-3-1.png',0,'attachment','image/png',0),(3264,1,'2023-06-30 03:47:32','2023-06-30 03:47:32','<!-- wp:image {\"id\":3263,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/06/My-project-1-3-1.png\" alt=\"\" class=\"wp-image-3263\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s a confusing time to buy an electric car. New regulations have made many EVs and buyers ineligible for a $7,500 tax credit. But there’s a way to get those savings no matter how much a car is worth, where it’s made, or how much you earn: leasing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Leasing could save you money upfront and keep you from getting stuck with an outdated car with yesterday’s technology. If you’re interested in driving a new electric car, here’s what you need to know about leasing before you make your choice.</p>\n<!-- /wp: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 Leasing?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Leasing a car is kind of like renting a house rather than paying a mortgage. You make a monthly payment to a leasing company in order to drive a new car for a set number of months—usually 18 to 36—and for a set number of miles.</p>\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’ll usually make a down payment as well. The monthly payments are often less than what you would pay to finance a new vehicle for a similar time period. (You’re essentially paying the amount the car depreciates during the lease period.) At the end of the lease, you return the car to the leasing company.&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\">A CR survey of 2,121 Americans conducted in April 2023 found that 30 percent of respondents would consider buying or leasing an EV, but 55 percent saw the purchase price as an impediment. A lower monthly payment may help those who are interested in an EV afford to drive 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\">Can I Get Tax Credits by Leasing an EV?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Yes. To qualify for a federal tax credit of up to $7,500 on the purchase of a new EV, both the car and the buyer are subject to numerous conditions. The vehicle has to be made in North America, its battery components and minerals must meet specific sourcing requirements, it must be priced under a certain threshold, and the buyer’s income must not exceed a certain 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\">But those conditions all get thrown out the window if you lease. “A lease is considered a commercial sale to the leasing company and is eligible for a separate commercial vehicle tax credit that has fewer restrictions than the consumer tax credit,” says Chris Harto, CR’s senior energy policy analyst. That means the leasing company can get a full $7,500 tax credit for an EV, and in turn pass some or all of those savings on to you in the form of lower lease payments. (Leasing also lets you enjoy those savings even if you don’t owe a tax burden at the end of the 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\">Some leased EVs may also be eligible for state and local savings, or even rebates from electric companies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Which Automakers Offer the Best Lease Deals on EVs?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Hyundai, Lucid, and Polestar are among the automakers announcing in advertisements on TV and online that they’re including the tax credit in lease deals. Hyundai calls it an “EV Lease Bonus,” Polestar calls it a “Polestar Clean Vehicle Noncash Credit,” and Lucid calls it “Plug-In Electric Vehicle Savings.” These deals can reduce the cost of a vehicle and lower the monthly payment or down payment you have to make.</p>\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 dealerships don’t necessarily have to honor advertised lease deals, says Gabe Shenhar, associate director of CR’s auto test center. “Leases are negotiable because dealers compete among themselves,” he 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\">The decision to include the tax credit in your lease (and to sell you the car without first inflating the MSRP with dealer fees or other markups) is ultimately up to the dealership. For example, the Chevrolet Bolt is eligible for a $7,500 tax credit, but dealerships are marking up the MSRP by 16 percent, on average, as of May 2023 according to data from TrueCar—eliminating much of the savings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To avoid confusion and to be certain you’re getting the full savings, ask to see where the credit is factored in on your paperwork, and check to make sure the original sale price isn’t marked up to compensate for it. Ask about every line item on the paperwork. “Buyers can be too focused on the monthly payment and not realize they’re leaving money on the table if the dealer starts off with a markup or eliminates discounts the vehicle may be eligible for,” Shenhar says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Are the Advantages of Leasing an EV?</h2>\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 cost savings, leasing might offer other advantages over purchasing an EV, especially because technology is advancing so rapidly that battery range can increase and purchase prices may drop over a relatively short period of time. “A three-year lease is an eternity with how fast technology is improving,” Harto 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\">Leasing can also offer peace of mind because it’s difficult to predict now how much an EV purchased today will be worth in two, three, or five years, says Jake Fisher, senior director of CR’s auto test center.&nbsp;“Prices and rebates have been fluctuating quite widely, making resale values impossible to predict,” he says. If the EV you’re leasing depreciates a lot over the next few years, it’s not your problem.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Are the Downsides to Leasing?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">They’re the same as the disadvantages of leasing a gas-powered 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\">• At the end of the lease, you have no equity in the car—nothing to show for the payments you’ve made. If you choose to lease another car, the payments start up again. If you don’t, you may have to pay a disposition fee that’s typically a few hundred 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\">•&nbsp;If you go over your lease’s mileage limit—typically between 10,000 and 12,000 miles per year—you’ll have to pay an excess mileage penalty. That can range from 10 cents to as much as 50 cents for every additional mile. You don’t get a credit for unused miles.</p>\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 don’t maintain the vehicle in good condition, you’ll have to pay excess wear-and-tear charges to repair the dings and scrapes or remove any aftermarket accessories when you turn it in.</p>\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 difficult to terminate a lease if you decide that you don’t like the car, or if your lifestyle changes and an EV no longer meets your needs. You’ll probably get stuck with thousands of dollars in early termination fees and penalties if you get out of a lease early—and they’ll all be due at once. Those charges could equal the amount of the lease for its entire term.</p>\n<!-- /wp: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 Buy My EV at the End of a Lease?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">That depends. Almost all lease contracts have what’s called a buyout amount or payoff amount, a dollar value that you can pay the leasing company to purchase the car outright. This number is only negotiable before a lease is signed. Leasing companies hope that it will accurately reflect what a car is worth at the end of a lease, but they could get it wrong.</p>\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 demand for used EVs is high at the end of your lease, resale values may be higher than expected and it may make sense to purchase the car for the buyout value that’s written into the lease contract. “If the automaker underestimates the resale value, you can buy the car and have equity, or sell it for a profit,” Fisher says. That’s what many lessees were able to do when used-car values soared early during the pandemic. But if similar cars are selling for less than the buyout amount written into your lease—or if the new crop of EVs are better than the leased one you’re turning in—it’s smart to walk away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Product reviews are everywhere, but are they truly unbiased? Based on data? Even real? At Consumer Reports, our reviews are backed by scientists, engineers, journalists, and researchers who work tirelessly to test and rate the products and services you use every day. Not just so that you can buy an appliance or car with confidence, but also to help raise standards for all consumers. As a nonprofit organization, we rely on the support of our members. So become a member today because when you join CR, you do so much more than just gain access to our independent ratings and reviews. You help us fight for fair deals and safe products for all consumers.</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/cars/buying-a-car/how-leasing-an-ev-can-save-you-money-a6013438463/\">click here.</a></p>\n<!-- /wp:paragraph -->','How Leasing an Electric Vehicle Can Save You Money','','inherit','closed','closed','','3261-revision-v1','','','2023-06-30 03:47:32','2023-06-30 03:47:32','',3261,'http://smartinsurance.tips/?p=3264',0,'revision','',0),(3267,1,'2023-06-30 04:16:28','2023-06-30 04:16:28','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/XcSXVia_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You’ve worked hard to build the life that you have, and it’s understandable that you want to protect it from those who would do you harm. In America, a home is burglarized every 15 seconds. That’s an average of nearly 5,000 break-ins a day. If you don’t want to be part of that statistic, it’s important to invest in a&nbsp;home security system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">That said, there are a multitude of products and services on the market that claim to help increase your safety. Finding the right home security system doesn’t have to be daunting, but it’s not a process to take lightly.</p>\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 before you start picking out motion sensors and security cameras, it’s important to understand how each component will work in concert with the system as a whole. In this guide, we’re going to share everything you need to know to choose the right home security system.</p>\n<!-- /wp: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 Elements of a Home Security System</h2>\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 we talk about home security systems, we’re talking about combinations of hardware devices and monitoring services. Generally speaking, you’ll be paying your home security system provider for two things: the hardware that will detect intruders and other threats, and the&nbsp;monitoring services&nbsp;that will trigger calls to the authorities when your system detects a threat. You’ll pay for the former once and the latter on a month-to-month basis. However, you can also buy a self-monitored system and avoid monthly fees altogether.</p>\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 before pulling out your credit card and jumping on the latest deal, you should keep your biggest needs in mind when choosing the best system for your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">So it’s best to start with these questions: Do you have a huge wooded backyard where prowlers might be lurking? You’ll probably need motion sensors and lights, as well as weatherproof outdoor cameras for video surveillance. Do you live in a ground-floor apartment with windows facing the street? You’ll need glass-breakage alarms and loud sirens. Do you regularly purchase items that are delivered to your home? Consider a video doorbell that will record porch pirates.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With that in mind, this hardware can detect threats in and around your home, but that doesn’t do you much good unless you have some way for those sensors to alert you and, more importantly, the authorities.</p>\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’ll talk more about monitoring services in a minute, but let’s first take a closer look at the hardware that you might see in a typical home security system.</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\">Entry Sensors</h3>\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>What they do</strong>: Entry sensors are a staple of any comprehensive security system. These detect when doors or windows are opened and can be programmed to alert you under a variety of different conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>How they work</strong>: Many of these small contact sensors come with adhesive backing for easy DIY mounting. And the vast majority of entry sensors use magnets to detect when windows or doors are open. When the magnets separate, the siren sounds and an alert is triggered.</p>\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>What they’re good for</strong>: Peace of mind. It’s a relief knowing that unauthorized entry into your home via windows or doors will automatically alert you or the authorities, especially when you’re away at work or on vacation.</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\">Motion Sensors</h3>\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>What they do</strong>: Generally speaking, motion sensors sound an alarm and trigger mobile alerts that are sent to your phone when motion is detected inside of your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>How they work</strong>: These devices use lasers or infrared light. When the field or beam is broken, they’ll be tripped. Some of the most high-tech sensors can differentiate between people and animals, and can even detect body heat.</p>\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>What they’re good for</strong>: Additional layers of security. Motion sensors aren’t your primary line of defense, but they can help make a decent home security system even more powerful. We like to set our system to “away mode” when leaving town. This way, the motion sensors are activated, and the inside of our home is protected.</p>\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>Pro Tip:</strong>&nbsp;Motion sensors are a great additional layer of security, but be careful if you have children, pets, or roommates. You don’t want your motion detectors constantly being tripped for no reason.</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\">Sirens and Alarms</h3>\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>What they do</strong>: A good siren will draw attention to your home should an unwanted visitor make an appearance. Sometimes these are loud alarms (100+ dB), and sometimes authoritative voices will sound off. Every alarm system will have a siren, typically built into the control keypad or as a separate device, and you can also find home security cameras with sirens.</p>\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>How they work</strong>: Sirens work as active deterrents. Sirens and alarms should integrate with your other sensors and be programmed to detect suspicious activity. Most security systems can be programmed to work on a schedule and be armed at certain times of the 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\"><strong>What they’re good for</strong>: Alerting you to an intruder\'s presence, and scaring that intruder off. Unfortunately, the police usually can’t immediately respond to a burglary — most break-ins are over in minutes, if not seconds — but a loud alarm is usually enough to deter most criminals.</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\">Security Cameras</h3>\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>What they do</strong>: Security cameras can be mounted both&nbsp;indoors&nbsp;and&nbsp;outdoors&nbsp;to keep an eye on your property when you can’t. The&nbsp;best security cameras&nbsp;constantly record footage and back it up to the cloud through your monitoring provider so that it can be viewed later if a crime has taken place. You can self-monitor other cameras using a mobile app.</p>\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>How they work</strong>: Security cameras record either constantly or only when triggered by motion. That said, there are a wide variety of cameras out there. Some are better for recording at night. Some have huge fields of vision. Some come with sirens, and most have two-way talk. Modern security cameras even use artificial intelligence to distinguish humans from other moving objects, or even to detect familiar faces. However, the higher-end cameras can get a little pricey, so it’s important to understand your needs before shopping for a security camera.</p>\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>What they’re good for</strong>: Security cams are an effective deterrent, and the footage can sometimes be used as evidence. While a security camera isn’t as overt as an alarm going off when a door is kicked in, criminals will often notice them and pick a different property to burglarize. If the crook is still clueless enough to break in despite the presence of security cameras, though, the police may have enough evidence to 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\"><strong>Pro Tip:</strong>&nbsp;Not all security cameras are created equal. For the best protection, you’ll want equipment that records in high definition with some sort of night-vision functionality. You don’t want security cameras that work only half the time.</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\">Video Doorbells</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\"><strong>What they do</strong>: Video doorbells have come a long way in the past couple of years. The higher-end models will record visitors and allow for two-way communication, and some of the best ones will even alert authorities if a panic button in the associated mobile app is pressed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\"><strong>How they work</strong>: Video doorbells are either battery-powered or hardwired into your home’s electrical system. They replace the need for a traditional doorbell and integrate with your phone for management. They’re one of the few pieces of hardware that you’ll enjoy using on a day-to-day basis, as their function extends beyond security.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\"><strong>What they’re good for</strong>: Entryway management and protecting against porch pirates. As stated above, video doorbells have a wide range of functionality beyond protecting your property, but they’re really good at deterring people from stealing your packages. And — similar to other security cameras — they’re great for providing evidence to authorities if a crime does take place.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Floodlights</h3>\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>What they do</strong>: Most floodlights are motion activated and shine a brilliant light on movement in the darkness. Maybe it’s a raccoon, but it could also be someone sneaking onto your property using the cover of darkness.</p>\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>How they work</strong>: If movement is detected, the floodlight will activate and light up the night. When placed strategically around your property, floodlights will make it so there’s nowhere to hide. And burglars hate to be seen.</p>\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>What they’re good for</strong>: Deterrence. A lot of criminals prefer to sneak around in the dark. If they’re suddenly lit up like the Las Vegas Strip, they’re likely to run.</p>\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>Pro Tip:</strong>&nbsp;If you have a lot of land, it’s not essential that your floodlights cover every square inch of your property. Instead, focus on access points as well as any areas where visibility might be obscured.</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\">Atmospheric and Environmental Sensors</h3>\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>What they do</strong>: Not all threats to your property and safety are physical. Sometimes your environment can become dangerous without your knowledge. These sensors will alert you if there is a carbon monoxide leak, if they detect smoke, if flooding occurs, or if other environmental threats are recognized.</p>\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>How they work</strong>: These sensors are calibrated to detect specific compounds or changes in your home’s atmosphere. They can be integrated into an overall security system or purchased as stand-alone devices.</p>\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>What they’re good for</strong>: Keeping you alive and safe. Carbon monoxide and smoke should not be taken lightly. Not to be dramatic, but these elements can kill very quickly if you’re not alerted to their presence. No home security system is complete without environmental sensors.</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\">Glass-Breakage Sensors</h3>\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>What they do</strong>: Sometimes thieves won’t bother with trying to shim a window open or pick a lock. Smash-and-grab criminals will instead bust out a window, hoping to get in and out of your property fast enough that they won’t be caught. Glass-breakage sensors will sound an alarm when a window breaks, deterring the criminal immediately and/or alerting authorities.&nbsp;ADT’s hardware&nbsp;is some of the best in the industry, and if you’re looking for the total package, read our&nbsp;analysis of ADT’s overall security offerings.</p>\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>How they work</strong>: These sensors rely on tiny microphones that detect the high-frequency sound of glass breaking. Once they’ve been triggered, they sound an alarm and/or immediately alert authorities, depending on how they’re monitored.</p>\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=\"caption-attachment-18548\">Vivint Glass Break Sensor</p>\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>What they’re good for</strong>: Preventing smash-and-grab burglaries. If a criminal breaks your window, they’re likely trying to get in and out quickly. If an alarm sounds, they’re less likely to want to stick around. To safeguard your home, use these sensors in addition to entryway and motion sensors.</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\">Panic Buttons</h3>\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>What they do</strong>: These wall-mounted or neck pendant devices immediately connect you to assistance, whether that is paramedics, the fire department, or police.</p>\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>How they work</strong>: Most panic buttons have different options for different types of emergencies and are directly connected to your service provider. Once the button is activated — usually holding it down for a few seconds to prevent false alarms — help will be dispatched immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"caption-attachment-18548\">SimpliSafe – Panic Button</p>\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>What they’re good for</strong>: Protection and peace of mind. Of all of the hardware on this list, panic buttons are the most underrated. They will immediately connect you with the help you need if there’s a life-threatening situation.</p>\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>Pro Tip:</strong>&nbsp;If you\'re concerned that you might not be able to get to your panic button in time, several providers offer wearable devices. These are great for seniors or others who might become immobilized by a medical emergency. For more information on these life-saving devices, check out our guide to the&nbsp;best medical alert systems.</p>\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 you have an understanding of the different elements of a home security system, it’s time to decide which pieces of hardware make the most sense for your living situation.</p>\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&nbsp;live in an apartment, you probably won’t have much use for floodlights, and if there’s a lot of activity going on at your place throughout the day, motion sensors might not be right for you either. There’s no one-size-fits-all approach, so being strategic is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong><br>Pro Tip:</strong>&nbsp;If you\'re concerned that you might not be able to get to your panic button in time, several providers offer wearable devices. These are great for seniors or others who might become immobilized by a medical emergency.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Tailoring Your System to Your Home</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Understanding the way your home is set up and knowing your vulnerabilities are two of the most important concerns when setting up a comprehensive home security system. You don’t really need glass-breakage sensors on second-story windows, do you? You’re probably going to want to point a security camera at your shed in the back where you keep your expensive lawn equipment, right? There are a few things to keep in mind, so let’s discuss the basics.</p>\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><br>Pro Tip:</strong>&nbsp;When considering what type of hardware you need to protect yourself, it helps to think like a criminal. If you were going to break into your home, how would you do it?</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\">Points of Access</h3>\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 should be your starting point. Go around your home and identify windows, doors, and any other points where a criminal could potentially gain access. Then determine how many entry sensors and glass-breakage sensors you’ll need. You want to make sure every point of entry is covered — you’d be surprised how resourceful criminals 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\"><strong>Pro Tip:</strong>&nbsp;When considering what type of hardware you need to protect yourself, it helps to think like a criminal. If you were going to break into your home, how would you do 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\">The Size of Your Space</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Next, consider the size of the property you want to protect. How many motion detectors, security cameras, and other pieces of equipment do you need so that there are no blind spots? That will depend, in part, on how much ground you have to cover. Size up your space and consider your options. The&nbsp;bigger your home, the more equipment you may want to consider. Thankfully, almost every security company offers kits that come with multiple sensors. For example, SimpliSafe offers seven entry sensors and one motion sensor in its essentials kit, and additional hardware is relatively inexpensive.</p>\n<!-- /wp: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’s at Home?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Do you have kids? Pets? Valuables? Collectibles? What you have in your home may shape your security preferences. Motion detectors aren’t too useful when you have kids and nannies running around during the day — remember, motion sensors are most useful when you’re out of town — but cameras that will allow you to check in and monitor things while you’re at work might be useful. The&nbsp;best indoor cameras&nbsp;that we’ve found include Nest, Arlo, and Ring. You may want extra carbon monoxide or motion detectors in certain areas of your home, or a system that allows more home automation controls for things like your smart thermostat or smart lights.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Special Cases</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Do you care for an elderly relative? Do you have a health condition, like diabetes or seizures, that might require immediate assistance? There are plenty of products on the market for special use cases. This isn’t something you need to obsess over — we’re not trying to inspire paranoia here — but you should definitely consider all the outcomes you want to protect against.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These elements are all important to consider, but as we’ve said before, every situation is different. Consider your needs, consider your unique property, and consider having a professional come to your home to give you a consultation. Many service providers, like&nbsp;Vivint&nbsp;and&nbsp;ADT, offer walk-throughs and hardware recommendations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With that in mind, let’s discuss your provider options as well as how you’re going to manage your new home security system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Home Security Providers</h2>\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 a multitude of home security system providers out there. They’ll all differ on available hardware, costs, and application. However, one of the most important distinctions you’ll see is whether or not the provider offers professional monitoring.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Like we said above, a home security system will only deter criminals unless it is professionally monitored. If you choose 24/7 professional monitoring, this service will immediately dispatch emergency services if something is amiss.</p>\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>Pro Tip:</strong>&nbsp;Having professional monitoring can also help you cut down on instances of false alarms. There’s nothing quite as embarrassing as having to tell a police officer you forgot your disarm code. If you’re looking for a great, professionally monitored alarm system, </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now, this service will cost you. Depending on what you’re looking to monitor, expect to pay anywhere between $10 and $60 per month. If that’s not in your budget, it’s perfectly acceptable to monitor your own system and avoid the monthly payment. Although some people believe the peace of mind offered by professional monitoring is invaluable, we see benefits to both monitored and unmonitored systems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Once you’ve decided on how you’re going to monitor your system, you’re going to need to control it. There are several ways to accomplish this, which we’ll discuss below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Management: Keypads, Control Panels, and Apps</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Almost every home security provider will offer some kind of setup for managing your security system. This is where you’ll arm and disarm the system, deactivate false alarms, view security camera footage, and check activity logs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many traditional security systems make use of a keypad or touchscreen control panel, which is generally installed inside your home near your main point of entry. This makes it easy to arm or disarm the alarm.</p>\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 said, many modern systems offer mobile apps that convert your smartphone into your digital command center. Some of the&nbsp;best mobile security apps&nbsp;in the game include those from Vivint, ADT, and Frontpoint.</p>\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 there are pros and cons to each type of system, it’s important to understand your options. If you’re looking for a system that can be controlled by your phone, you might also be interested in integrating your security system into a greater smart home system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Smart Home Connectivity</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home security systems are getting smarter. Many now use&nbsp;wireless connections&nbsp;to keep you up to date through apps and keep your security hardware online and functional. Since so many modern systems feature network connectivity, it makes sense that some can play nice with — or even include — connected home devices that don’t have much to do with security at all.</p>\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 lot of modern home security solutions now&nbsp;include smart home features, like the ability to turn your lights on and off from afar, lock and unlock doors remotely, and adjust your thermostat from your phone. While these functions don’t necessarily have security implications, they do add convenience.</p>\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>Pro Tip:</strong>&nbsp;The more connections you have, the more vulnerable your network becomes to cybercrime. If you’re setting up a smart home, make sure you protect yourself with a virtual private network.</p>\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 you have a pretty good understanding of what a security system looks like and what you’re likely to need, we can discuss the elements that make one system better than another. A lot of these have to do with preference, but some elements are objectively superior.</p>\n<!-- /wp: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 Differentiates Security Systems?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Virtually all home security systems offer intruder sensors, monitoring capacity, and in-home alarms. Most offer the other devices we covered above, either in established home security bundles or as add-ons. So what’s the difference? What sets some systems apart? There are a few distinctions to not.</p>\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>Wireless versus hardwired</strong>: One of the most important distinctions between different security systems is found in how they stay connected. The wired-versus-wireless distinction applies to both connected sensors and the connection between your system and the company monitoring it. And which wires are used matters, too; some older systems rely on landline phone lines, for instance, to reach the monitoring service.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s important to note that wireless is the way of the future (and the present, for that matter). We recommend wireless home security systems in 90 percent of cases. The fact is, wireless systems are easier to set up, which you can often do yourself in a matter of minutes, which brings us to our next point.</p>\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>Professional versus DIY installation</strong>: Depending on which system you choose, you may be setting up and connecting sensors and control panels 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\">As you might expect, the&nbsp;top DIY wireless security systems&nbsp;are simple to install. Generally speaking, with this type of system, you won’t have to worry about drilling holes in your wall or soldering wires to get your new system up and running. Still, as you shop, you may want to consider your tech-savviness and your willingness to put in the time to get things up and running.</p>\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=\"caption-attachment-18548\">Don, the Vivint Installation Technician, installing our Smart Garage Door Opener</p>\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>Self-monitoring options</strong>: As we mentioned above, you can expect to pay a monthly fee to have your security system provider monitor your system’s sensors. But some systems also give you powerful options to monitor things 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\">You can also, of course, set up&nbsp;some self-monitoring options on your own. You don’t need a home security contract to buy a webcam and set up a security monitoring system of your own.</p>\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>Prices and contracts</strong>: Ah yes, the ultimate differentiating factor: 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\">Depending on which security system you choose, you may pay different prices for hardware, installation, and monthly monitoring services. Since each case is unique, it’s difficult for us to predict what it might cost you. Typically, though, you can expect to pay hundreds of dollars if you’re purchasing and assembling a comprehensive home security system from scratch. If this sounds a little steep, there are more affordable options available.</p>\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 a more clear understanding of what you’re looking at price-wise, here’s a quick rundown of our favorite systems and their starting costs. Keep in mind, though, that these are base prices. The more hardware you add, the more you’ll spend.</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\">Home Security Costs</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And then there’s the contract. A typical home security contract will lock you in for three years of service, but some companies require a longer commitment. Others forgo long-term contracts entirely and let you subscribe month to month. Most companies that do this, though, require that you pay the equipment in full up-front, so there\'ll be a higher upfront 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\">That\'s about it. Now that you have all the information you need, it’s time to start shopping around for the right home security solution for your specific situation. Before you go, though, we have one last resource for 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\">There are a lot of factors to consider as you choose a security system, but we can help you narrow things down. Our&nbsp;security system comparison&nbsp;tool allows you to plug in your information and let our expert findings and experience guide you in making the best decision for your situation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Making Your Decision</h2>\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’s certainly a lot to consider when choosing a security system for your home. Which hardware will you need? Can you install it yourself? Do you want it monitored professionally? Are you going wireless? How much are you willing to spend? All of these questions need to be answered to narrow things down, and we understand if the process seems daunting.</p>\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 a critically important process, though. Break-ins, home invasions, and burglaries are some of the worst things you can go through in this life. They’re deeply unsettling, and the physical, emotional, and economic trauma of going through such an ordeal can last for 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\">We want to give you the best information available to make the best decision possible for you and your family. And one of the best places to start that process is with our comparison of the&nbsp;best home security systems&nbsp;on the market today.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Stay smart and stay safe!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.safehome.org/security-systems/choose/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Choose a Home Security System','','inherit','closed','closed','','3261-autosave-v1','','','2023-06-30 04:16:28','2023-06-30 04:16:28','',3261,'http://smartinsurance.tips/?p=3267',0,'revision','',0),(3266,1,'2023-06-30 04:14:12','2023-06-30 04:14:12','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/XcSXVia_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You’ve worked hard to build the life that you have, and it’s understandable that you want to protect it from those who would do you harm. In America, a home is burglarized every 15 seconds. That’s an average of nearly 5,000 break-ins a day. If you don’t want to be part of that statistic, it’s important to invest in a home security system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">That said, there are a multitude of products and services on the market that claim to help increase your safety. Finding the right home security system doesn’t have to be daunting, but it’s not a process to take lightly.</p>\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 before you start picking out motion sensors and security cameras, it’s important to understand how each component will work in concert with the system as a whole. In this guide, we’re going to share everything you need to know to choose the right home security system.</p>\n<!-- /wp: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 Elements of a Home Security System</h2>\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 we talk about home security systems, we’re talking about combinations of hardware devices and monitoring services. Generally speaking, you’ll be paying your home security system provider for two things: the hardware that will detect intruders and other threats, and the monitoring services that will trigger calls to the authorities when your system detects a threat. You’ll pay for the former once and the latter on a month-to-month basis. However, you can also buy a self-monitored system and avoid monthly fees altogether.</p>\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 before pulling out your credit card and jumping on the latest deal, you should keep your biggest needs in mind when choosing the best system for your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">So it’s best to start with these questions: Do you have a huge wooded backyard where prowlers might be lurking? You’ll probably need motion sensors and lights, as well as weatherproof outdoor cameras for video surveillance. Do you live in a ground-floor apartment with windows facing the street? You’ll need glass-breakage alarms and loud sirens. Do you regularly purchase items that are delivered to your home? Consider a video doorbell that will record porch pirates.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With that in mind, this hardware can detect threats in and around your home, but that doesn’t do you much good unless you have some way for those sensors to alert you and, more importantly, the authorities.</p>\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’ll talk more about monitoring services in a minute, but let’s first take a closer look at the hardware that you might see in a typical home security system.</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\">Entry Sensors</h3>\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>What they do</strong>: Entry sensors are a staple of any comprehensive security system. These detect when doors or windows are opened and can be programmed to alert you under a variety of different conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>How they work</strong>: Many of these small contact sensors come with adhesive backing for easy DIY mounting. And the vast majority of entry sensors use magnets to detect when windows or doors are open. When the magnets separate, the siren sounds and an alert is triggered.</p>\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>What they’re good for</strong>: Peace of mind. It’s a relief knowing that unauthorized entry into your home via windows or doors will automatically alert you or the authorities, especially when you’re away at work or on vacation.</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\">Motion Sensors</h3>\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>What they do</strong>: Generally speaking, motion sensors sound an alarm and trigger mobile alerts that are sent to your phone when motion is detected inside of your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>How they work</strong>: These devices use lasers or infrared light. When the field or beam is broken, they’ll be tripped. Some of the most high-tech sensors can differentiate between people and animals, and can even detect body heat.</p>\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>What they’re good for</strong>: Additional layers of security. Motion sensors aren’t your primary line of defense, but they can help make a decent home security system even more powerful. We like to set our system to “away mode” when leaving town. This way, the motion sensors are activated, and the inside of our home is protected.</p>\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>Pro Tip:</strong> Motion sensors are a great additional layer of security, but be careful if you have children, pets, or roommates. You don’t want your motion detectors constantly being tripped for no reason.</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\">Sirens and Alarms</h3>\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>What they do</strong>: A good siren will draw attention to your home should an unwanted visitor make an appearance. Sometimes these are loud alarms (100+ dB), and sometimes authoritative voices will sound off. Every alarm system will have a siren, typically built into the control keypad or as a separate device, and you can also find home security cameras with sirens.</p>\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>How they work</strong>: Sirens work as active deterrents. Sirens and alarms should integrate with your other sensors and be programmed to detect suspicious activity. Most security systems can be programmed to work on a schedule and be armed at certain times of the 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\"><strong>What they’re good for</strong>: Alerting you to an intruder\'s presence, and scaring that intruder off. Unfortunately, the police usually can’t immediately respond to a burglary — most break-ins are over in minutes, if not seconds — but a loud alarm is usually enough to deter most criminals.</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\">Security Cameras</h3>\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>What they do</strong>: Security cameras can be mounted both indoors and outdoors to keep an eye on your property when you can’t. The best security cameras constantly record footage and back it up to the cloud through your monitoring provider so that it can be viewed later if a crime has taken place. You can self-monitor other cameras using a mobile app.</p>\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>How they work</strong>: Security cameras record either constantly or only when triggered by motion. That said, there are a wide variety of cameras out there. Some are better for recording at night. Some have huge fields of vision. Some come with sirens, and most have two-way talk. Modern security cameras even use artificial intelligence to distinguish humans from other moving objects, or even to detect familiar faces. However, the higher-end cameras can get a little pricey, so it’s important to understand your needs before shopping for a security camera.</p>\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>What they’re good for</strong>: Security cams are an effective deterrent, and the footage can sometimes be used as evidence. While a security camera isn’t as overt as an alarm going off when a door is kicked in, criminals will often notice them and pick a different property to burglarize. If the crook is still clueless enough to break in despite the presence of security cameras, though, the police may have enough evidence to 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\"><strong>Pro Tip:</strong> Not all security cameras are created equal. For the best protection, you’ll want equipment that records in high definition with some sort of night-vision functionality. You don’t want security cameras that work only half the time.</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\">Video Doorbells</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\"><strong>What they do</strong>: Video doorbells have come a long way in the past couple of years. The higher-end models will record visitors and allow for two-way communication, and some of the best ones will even alert authorities if a panic button in the associated mobile app is pressed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\"><strong>How they work</strong>: Video doorbells are either battery-powered or hardwired into your home’s electrical system. They replace the need for a traditional doorbell and integrate with your phone for management. They’re one of the few pieces of hardware that you’ll enjoy using on a day-to-day basis, as their function extends beyond security.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\"><strong>What they’re good for</strong>: Entryway management and protecting against porch pirates. As stated above, video doorbells have a wide range of functionality beyond protecting your property, but they’re really good at deterring people from stealing your packages. And — similar to other security cameras — they’re great for providing evidence to authorities if a crime does take place.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3>Floodlights</h3>\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>What they do</strong>: Most floodlights are motion activated and shine a brilliant light on movement in the darkness. Maybe it’s a raccoon, but it could also be someone sneaking onto your property using the cover of darkness.</p>\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>How they work</strong>: If movement is detected, the floodlight will activate and light up the night. When placed strategically around your property, floodlights will make it so there’s nowhere to hide. And burglars hate to be seen.</p>\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>What they’re good for</strong>: Deterrence. A lot of criminals prefer to sneak around in the dark. If they’re suddenly lit up like the Las Vegas Strip, they’re likely to run.</p>\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>Pro Tip:</strong> If you have a lot of land, it’s not essential that your floodlights cover every square inch of your property. Instead, focus on access points as well as any areas where visibility might be obscured.</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\">Atmospheric and Environmental Sensors</h3>\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>What they do</strong>: Not all threats to your property and safety are physical. Sometimes your environment can become dangerous without your knowledge. These sensors will alert you if there is a carbon monoxide leak, if they detect smoke, if flooding occurs, or if other environmental threats are recognized.</p>\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>How they work</strong>: These sensors are calibrated to detect specific compounds or changes in your home’s atmosphere. They can be integrated into an overall security system or purchased as stand-alone devices.</p>\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>What they’re good for</strong>: Keeping you alive and safe. Carbon monoxide and smoke should not be taken lightly. Not to be dramatic, but these elements can kill very quickly if you’re not alerted to their presence. No home security system is complete without environmental sensors.</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\">Glass-Breakage Sensors</h3>\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>What they do</strong>: Sometimes thieves won’t bother with trying to shim a window open or pick a lock. Smash-and-grab criminals will instead bust out a window, hoping to get in and out of your property fast enough that they won’t be caught. Glass-breakage sensors will sound an alarm when a window breaks, deterring the criminal immediately and/or alerting authorities. ADT’s hardware is some of the best in the industry, and if you’re looking for the total package, read our analysis of ADT’s overall security offerings.</p>\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>How they work</strong>: These sensors rely on tiny microphones that detect the high-frequency sound of glass breaking. Once they’ve been triggered, they sound an alarm and/or immediately alert authorities, depending on how they’re monitored.</p>\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=\"caption-attachment-18548\">Vivint Glass Break Sensor</p>\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>What they’re good for</strong>: Preventing smash-and-grab burglaries. If a criminal breaks your window, they’re likely trying to get in and out quickly. If an alarm sounds, they’re less likely to want to stick around. To safeguard your home, use these sensors in addition to entryway and motion sensors.</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\">Panic Buttons</h3>\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>What they do</strong>: These wall-mounted or neck pendant devices immediately connect you to assistance, whether that is paramedics, the fire department, or police.</p>\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>How they work</strong>: Most panic buttons have different options for different types of emergencies and are directly connected to your service provider. Once the button is activated — usually holding it down for a few seconds to prevent false alarms — help will be dispatched immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"caption-attachment-18548\">SimpliSafe – Panic Button</p>\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>What they’re good for</strong>: Protection and peace of mind. Of all of the hardware on this list, panic buttons are the most underrated. They will immediately connect you with the help you need if there’s a life-threatening situation.</p>\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>Pro Tip:</strong> If you\'re concerned that you might not be able to get to your panic button in time, several providers offer wearable devices. These are great for seniors or others who might become immobilized by a medical emergency. For more information on these life-saving devices, check out our guide to the best medical alert systems.</p>\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 you have an understanding of the different elements of a home security system, it’s time to decide which pieces of hardware make the most sense for your living situation.</p>\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 live in an apartment, you probably won’t have much use for floodlights, and if there’s a lot of activity going on at your place throughout the day, motion sensors might not be right for you either. There’s no one-size-fits-all approach, so being strategic is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong><br>Pro Tip:</strong> If you\'re concerned that you might not be able to get to your panic button in time, several providers offer wearable devices. These are great for seniors or others who might become immobilized by a medical emergency.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Tailoring Your System to Your Home</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Understanding the way your home is set up and knowing your vulnerabilities are two of the most important concerns when setting up a comprehensive home security system. You don’t really need glass-breakage sensors on second-story windows, do you? You’re probably going to want to point a security camera at your shed in the back where you keep your expensive lawn equipment, right? There are a few things to keep in mind, so let’s discuss the basics.</p>\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><br>Pro Tip:</strong> When considering what type of hardware you need to protect yourself, it helps to think like a criminal. If you were going to break into your home, how would you do it?</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\">Points of Access</h3>\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 should be your starting point. Go around your home and identify windows, doors, and any other points where a criminal could potentially gain access. Then determine how many entry sensors and glass-breakage sensors you’ll need. You want to make sure every point of entry is covered — you’d be surprised how resourceful criminals 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\"><strong>Pro Tip:</strong>&nbsp;When considering what type of hardware you need to protect yourself, it helps to think like a criminal. If you were going to break into your home, how would you do 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\">The Size of Your Space</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Next, consider the size of the property you want to protect. How many motion detectors, security cameras, and other pieces of equipment do you need so that there are no blind spots? That will depend, in part, on how much ground you have to cover. Size up your space and consider your options. The bigger your home, the more equipment you may want to consider. Thankfully, almost every security company offers kits that come with multiple sensors. For example, SimpliSafe offers seven entry sensors and one motion sensor in its essentials kit, and additional hardware is relatively inexpensive.</p>\n<!-- /wp: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’s at Home?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Do you have kids? Pets? Valuables? Collectibles? What you have in your home may shape your security preferences. Motion detectors aren’t too useful when you have kids and nannies running around during the day — remember, motion sensors are most useful when you’re out of town — but cameras that will allow you to check in and monitor things while you’re at work might be useful. The best indoor cameras that we’ve found include Nest, Arlo, and Ring. You may want extra carbon monoxide or motion detectors in certain areas of your home, or a system that allows more home automation controls for things like your smart thermostat or smart lights.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Special Cases</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Do you care for an elderly relative? Do you have a health condition, like diabetes or seizures, that might require immediate assistance? There are plenty of products on the market for special use cases. This isn’t something you need to obsess over — we’re not trying to inspire paranoia here — but you should definitely consider all the outcomes you want to protect against.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These elements are all important to consider, but as we’ve said before, every situation is different. Consider your needs, consider your unique property, and consider having a professional come to your home to give you a consultation. Many service providers, like Vivint and ADT, offer walk-throughs and hardware recommendations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With that in mind, let’s discuss your provider options as well as how you’re going to manage your new home security system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Home Security Providers</h2>\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 a multitude of home security system providers out there. They’ll all differ on available hardware, costs, and application. However, one of the most important distinctions you’ll see is whether or not the provider offers professional monitoring.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Like we said above, a home security system will only deter criminals unless it is professionally monitored. If you choose 24/7 professional monitoring, this service will immediately dispatch emergency services if something is amiss.</p>\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>Pro Tip:</strong> Having professional monitoring can also help you cut down on instances of false alarms. There’s nothing quite as embarrassing as having to tell a police officer you forgot your disarm code. If you’re looking for a great, professionally monitored alarm system, </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now, this service will cost you. Depending on what you’re looking to monitor, expect to pay anywhere between $10 and $60 per month. If that’s not in your budget, it’s perfectly acceptable to monitor your own system and avoid the monthly payment. Although some people believe the peace of mind offered by professional monitoring is invaluable, we see benefits to both monitored and unmonitored systems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Once you’ve decided on how you’re going to monitor your system, you’re going to need to control it. There are several ways to accomplish this, which we’ll discuss below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Management: Keypads, Control Panels, and Apps</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Almost every home security provider will offer some kind of setup for managing your security system. This is where you’ll arm and disarm the system, deactivate false alarms, view security camera footage, and check activity logs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many traditional security systems make use of a keypad or touchscreen control panel, which is generally installed inside your home near your main point of entry. This makes it easy to arm or disarm the alarm.</p>\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 said, many modern systems offer mobile apps that convert your smartphone into your digital command center. Some of the best mobile security apps in the game include those from Vivint, ADT, and Frontpoint.</p>\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 there are pros and cons to each type of system, it’s important to understand your options. If you’re looking for a system that can be controlled by your phone, you might also be interested in integrating your security system into a greater smart home system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Smart Home Connectivity</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home security systems are getting smarter. Many now use wireless connections to keep you up to date through apps and keep your security hardware online and functional. Since so many modern systems feature network connectivity, it makes sense that some can play nice with — or even include — connected home devices that don’t have much to do with security at all.</p>\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 lot of modern home security solutions now include smart home features, like the ability to turn your lights on and off from afar, lock and unlock doors remotely, and adjust your thermostat from your phone. While these functions don’t necessarily have security implications, they do add convenience.</p>\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>Pro Tip:</strong>&nbsp;The more connections you have, the more vulnerable your network becomes to cybercrime. If you’re setting up a smart home, make sure you protect yourself with a virtual private network.</p>\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 you have a pretty good understanding of what a security system looks like and what you’re likely to need, we can discuss the elements that make one system better than another. A lot of these have to do with preference, but some elements are objectively superior.</p>\n<!-- /wp: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 Differentiates Security Systems?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Virtually all home security systems offer intruder sensors, monitoring capacity, and in-home alarms. Most offer the other devices we covered above, either in established home security bundles or as add-ons. So what’s the difference? What sets some systems apart? There are a few distinctions to not.</p>\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>Wireless versus hardwired</strong>: One of the most important distinctions between different security systems is found in how they stay connected. The wired-versus-wireless distinction applies to both connected sensors and the connection between your system and the company monitoring it. And which wires are used matters, too; some older systems rely on landline phone lines, for instance, to reach the monitoring service.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s important to note that wireless is the way of the future (and the present, for that matter). We recommend wireless home security systems in 90 percent of cases. The fact is, wireless systems are easier to set up, which you can often do yourself in a matter of minutes, which brings us to our next point.</p>\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>Professional versus DIY installation</strong>: Depending on which system you choose, you may be setting up and connecting sensors and control panels 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\">As you might expect, the top DIY wireless security systems are simple to install. Generally speaking, with this type of system, you won’t have to worry about drilling holes in your wall or soldering wires to get your new system up and running. Still, as you shop, you may want to consider your tech-savviness and your willingness to put in the time to get things up and running.</p>\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=\"caption-attachment-18548\">Don, the Vivint Installation Technician, installing our Smart Garage Door Opener</p>\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>Self-monitoring options</strong>: As we mentioned above, you can expect to pay a monthly fee to have your security system provider monitor your system’s sensors. But some systems also give you powerful options to monitor things 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\">You can also, of course, set up some self-monitoring options on your own. You don’t need a home security contract to buy a webcam and set up a security monitoring system of your own.</p>\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>Prices and contracts</strong>: Ah yes, the ultimate differentiating factor: 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\">Depending on which security system you choose, you may pay different prices for hardware, installation, and monthly monitoring services. Since each case is unique, it’s difficult for us to predict what it might cost you. Typically, though, you can expect to pay hundreds of dollars if you’re purchasing and assembling a comprehensive home security system from scratch. If this sounds a little steep, there are more affordable options available.</p>\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 a more clear understanding of what you’re looking at price-wise, here’s a quick rundown of our favorite systems and their starting costs. Keep in mind, though, that these are base prices. The more hardware you add, the more you’ll spend.</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\">Home Security Costs</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And then there’s the contract. A typical home security contract will lock you in for three years of service, but some companies require a longer commitment. Others forgo long-term contracts entirely and let you subscribe month to month. Most companies that do this, though, require that you pay the equipment in full up-front, so there\'ll be a higher upfront 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\">That\'s about it. Now that you have all the information you need, it’s time to start shopping around for the right home security solution for your specific situation. Before you go, though, we have one last resource for 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\">There are a lot of factors to consider as you choose a security system, but we can help you narrow things down. Our security system comparison tool allows you to plug in your information and let our expert findings and experience guide you in making the best decision for your situation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Making Your Decision</h2>\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’s certainly a lot to consider when choosing a security system for your home. Which hardware will you need? Can you install it yourself? Do you want it monitored professionally? Are you going wireless? How much are you willing to spend? All of these questions need to be answered to narrow things down, and we understand if the process seems daunting.</p>\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 a critically important process, though. Break-ins, home invasions, and burglaries are some of the worst things you can go through in this life. They’re deeply unsettling, and the physical, emotional, and economic trauma of going through such an ordeal can last for 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\">We want to give you the best information available to make the best decision possible for you and your family. And one of the best places to start that process is with our comparison of the best home security systems on the market today.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Stay smart and stay safe!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.safehome.org/security-systems/choose/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Choose a Home Security System','','inherit','closed','closed','','3261-revision-v1','','','2023-06-30 04:14:12','2023-06-30 04:14:12','',3261,'http://smartinsurance.tips/?p=3266',0,'revision','',0),(3269,1,'2023-06-30 04:21:18','2023-06-30 04:21:18','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/ubp0118_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Everyone procrastinates from time to 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\">Maybe there’s a few tasks you just can’t stand doing. Maybe it’s because there’s something else that you find very interesting and you can’t seem to pull yourself away from 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\">Whatever the cause, you’ll need a solution to prevent your procrastination from damaging your productivity. As long as you can keep yourself from scrambling at the last minute to meet important deadlines, you’re on the right 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\">Beating Procrastination</h2>\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>Here are 6 ways to beat procrastination and increase productivity:</strong></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>Don’t Let Your Phone Get in the Way.</strong>&nbsp;When you have something important to do, shut off all of your notifications. If you can, turn your phone off altogether. A lot of people never intend to procrastinate on their phones, but text messages or calls often lead to unnecessary exploration on the internet or casual conversations that could have waited until after all their work was done.</li><li><strong>Be a Little Assertive.&nbsp;</strong>Are other people causing you to procrastinate? Sometimes, it might not be your fault if you’re a little off track. When people pop their heads in for a conversation that isn’t important and goes on for longer than necessary, or when someone calls a meeting that you could have probably skipped, you’ve wasted time you could have spent being productive. Start saying no in these situations.</li><li><strong>Give Yourself Enough Breaks.</strong>&nbsp;Procrastination often begins when a task feels endless. You feel like you’ve spent a decade of your life reviewing a single document, and you start finding other things to do. Instead, schedule regular breaks in the review process. Breaks give you an opportunity to clear your head and return to a task with a clear perspective.</li><li><strong>Don’t Do Things You Don’t Need to Do.</strong>&nbsp;If you’re being dragged down by voluntary projects, that’s the same as procrastinating. The stuff you actually need to do will always be more important. Make sure all the vital things are done first. If you have spare time and nothing else you’d rather be doing with that spare time, then you can pick up voluntary assignments or help others with their projects.</li><li><strong>Procrastinate Better Than You Were Before.</strong>&nbsp;Some people were just born to procrastinate. If you can’t help yourself sometimes, procrastinate by doing something else important. If you can’t get yourself in the right mindset to answer all of those emails, organize your desk. It had to get done anyway, and it gives you enough time to prepare before you transition into the next task.</li><li><strong>Give Yourself Something for a Job Well Done.</strong>&nbsp;What was that thing you desperately wanted to do while you were procrastinating? If you overcame your urge, you deserve to do it when everything important is done. Watch three episodes of your favorite show on Netflix. Spend two hours reading your favorite tech blog. It’s all good once you’ve handled all of your responsibilities – your procrastination tasks of choice will then become your reward for being responsible.</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\">Procrastinate with a Plan</h2>\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’s nothing inherently wrong with being a procrastinator unless you allow it to become a problem.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many creative people are procrastinators, and they procrastinate because they’re exploring different concepts.</p>\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 be sure you’re getting your work done on time.</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.safehome.org/security-systems/choose/\">click here.</a></p>\n<!-- /wp:paragraph -->','6 Ways to Beat Procrastination and Increase Productivity','','publish','closed','closed','','6-ways-to-beat-procrastination-and-increase-productivity','','','2023-07-01 04:50:56','2023-07-01 04:50:56','',0,'http://smartinsurance.tips/?p=3269',0,'post','',0),(3308,1,'2023-07-01 04:50:56','2023-07-01 04:50:56','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/ubp0118_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Everyone procrastinates from time to 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\">Maybe there’s a few tasks you just can’t stand doing. Maybe it’s because there’s something else that you find very interesting and you can’t seem to pull yourself away from 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\">Whatever the cause, you’ll need a solution to prevent your procrastination from damaging your productivity. As long as you can keep yourself from scrambling at the last minute to meet important deadlines, you’re on the right 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\">Beating Procrastination</h2>\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>Here are 6 ways to beat procrastination and increase productivity:</strong></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>Don’t Let Your Phone Get in the Way.</strong>&nbsp;When you have something important to do, shut off all of your notifications. If you can, turn your phone off altogether. A lot of people never intend to procrastinate on their phones, but text messages or calls often lead to unnecessary exploration on the internet or casual conversations that could have waited until after all their work was done.</li><li><strong>Be a Little Assertive.&nbsp;</strong>Are other people causing you to procrastinate? Sometimes, it might not be your fault if you’re a little off track. When people pop their heads in for a conversation that isn’t important and goes on for longer than necessary, or when someone calls a meeting that you could have probably skipped, you’ve wasted time you could have spent being productive. Start saying no in these situations.</li><li><strong>Give Yourself Enough Breaks.</strong>&nbsp;Procrastination often begins when a task feels endless. You feel like you’ve spent a decade of your life reviewing a single document, and you start finding other things to do. Instead, schedule regular breaks in the review process. Breaks give you an opportunity to clear your head and return to a task with a clear perspective.</li><li><strong>Don’t Do Things You Don’t Need to Do.</strong>&nbsp;If you’re being dragged down by voluntary projects, that’s the same as procrastinating. The stuff you actually need to do will always be more important. Make sure all the vital things are done first. If you have spare time and nothing else you’d rather be doing with that spare time, then you can pick up voluntary assignments or help others with their projects.</li><li><strong>Procrastinate Better Than You Were Before.</strong>&nbsp;Some people were just born to procrastinate. If you can’t help yourself sometimes, procrastinate by doing something else important. If you can’t get yourself in the right mindset to answer all of those emails, organize your desk. It had to get done anyway, and it gives you enough time to prepare before you transition into the next task.</li><li><strong>Give Yourself Something for a Job Well Done.</strong>&nbsp;What was that thing you desperately wanted to do while you were procrastinating? If you overcame your urge, you deserve to do it when everything important is done. Watch three episodes of your favorite show on Netflix. Spend two hours reading your favorite tech blog. It’s all good once you’ve handled all of your responsibilities – your procrastination tasks of choice will then become your reward for being responsible.</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\">Procrastinate with a Plan</h2>\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’s nothing inherently wrong with being a procrastinator unless you allow it to become a problem.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many creative people are procrastinators, and they procrastinate because they’re exploring different concepts.</p>\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 be sure you’re getting your work done on time.</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.safehome.org/security-systems/choose/\">click here.</a></p>\n<!-- /wp:paragraph -->','6 Ways to Beat Procrastination and Increase Productivity','','inherit','closed','closed','','3269-revision-v1','','','2023-07-01 04:50:56','2023-07-01 04:50:56','',3269,'http://smartinsurance.tips/?p=3308',0,'revision','',0),(3270,1,'2023-06-30 04:21:18','2023-06-30 04:21:18','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/ubp0118_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>This is a guest post by Abby Vonda of Datastical.com. She specializes in entrepreneurship and self-improvement topics.</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Everyone procrastinates from time to 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\">Maybe there’s a few tasks you just can’t stand doing. Maybe it’s because there’s something else that you find very interesting and you can’t seem to pull yourself away from 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\">Whatever the cause, you’ll need a solution to prevent your procrastination from damaging your productivity. As long as you can keep yourself from scrambling at the last minute to meet important deadlines, you’re on the right 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\">Beating Procrastination</h2>\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>Here are 6 ways to beat procrastination and increase productivity:</strong></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>Don’t Let Your Phone Get in the Way.</strong>&nbsp;When you have something important to do, shut off all of your notifications. If you can, turn your phone off altogether. A lot of people never intend to procrastinate on their phones, but text messages or calls often lead to unnecessary exploration on the internet or casual conversations that could have waited until after all their work was done.</li><li><strong>Be a Little Assertive.&nbsp;</strong>Are other people causing you to procrastinate? Sometimes, it might not be your fault if you’re a little off track. When people pop their heads in for a conversation that isn’t important and goes on for longer than necessary, or when someone calls a meeting that you could have probably skipped, you’ve wasted time you could have spent being productive. Start saying no in these situations.</li><li><strong>Give Yourself Enough Breaks.</strong>&nbsp;Procrastination often begins when a task feels endless. You feel like you’ve spent a decade of your life reviewing a single document, and you start finding other things to do. Instead, schedule regular breaks in the review process. Breaks give you an opportunity to clear your head and return to a task with a clear perspective.</li><li><strong>Don’t Do Things You Don’t Need to Do.</strong>&nbsp;If you’re being dragged down by voluntary projects, that’s the same as procrastinating. The stuff you actually need to do will always be more important. Make sure all the vital things are done first. If you have spare time and nothing else you’d rather be doing with that spare time, then you can pick up voluntary assignments or help others with their projects.</li><li><strong>Procrastinate Better Than You Were Before.</strong>&nbsp;Some people were just born to procrastinate. If you can’t help yourself sometimes, procrastinate by doing something else important. If you can’t get yourself in the right mindset to answer all of those emails, organize your desk. It had to get done anyway, and it gives you enough time to prepare before you transition into the next task.</li><li><strong>Give Yourself Something for a Job Well Done.</strong>&nbsp;What was that thing you desperately wanted to do while you were procrastinating? If you overcame your urge, you deserve to do it when everything important is done. Watch three episodes of your favorite show on Netflix. Spend two hours reading your favorite tech blog. It’s all good once you’ve handled all of your responsibilities – your procrastination tasks of choice will then become your reward for being responsible.</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\">Procrastinate with a Plan</h2>\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’s nothing inherently wrong with being a procrastinator unless you allow it to become a problem.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many creative people are procrastinators, and they procrastinate because they’re exploring different concepts.</p>\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 be sure you’re getting your work done on time.</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.safehome.org/security-systems/choose/\">click here.</a></p>\n<!-- /wp:paragraph -->','6 Ways to Beat Procrastination and Increase Productivity','','inherit','closed','closed','','3269-revision-v1','','','2023-06-30 04:21:18','2023-06-30 04:21:18','',3269,'http://smartinsurance.tips/?p=3270',0,'revision','',0),(3271,1,'2023-06-30 04:24:01','2023-06-30 04:24:01','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://images.mktw.net/im-775152/horizontal?width=700&amp;height=393\" alt=\"\" title=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Retirement might seem like a long-awaited vacation, but it’s better to take some real vacation days for a test run first.&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\"><strong>Retirement Tip of the Week: After you’ve decided what to do with your retirement, live it for a week or two.&nbsp;&nbsp;</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\">For many workers, retirement is a dream. Leaving the daily grind, waking up late, focusing on a hobby or taking trips to the beach — these are all common goals for someone looking to move on from a career. But retirement can be a dangerous time if not approached properly. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Beyond the proper financial planning that must go into retirement preparation, near-retirees should take time off from work to do a trial of their retirement plans. Looking to do nothing but cart around the golf course every day? Do it. Planning to sleep in late and go to bed early? Try that too. Thinking you’ll hang out with family and friends during your newfound freedom? Reach out and see who is free. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Retirees don’t always expect to feel depressed or stressed in retirement, but it’s a strong possibility. Workers have spent so many years — decades — in their careers that it becomes a part of their identities, or their definition of purpose. Without a plan in place for retirement, the days could feel long and lonely, which is a recipe for health issues and emotional turmoil. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Those who have the ability to take some vacation days before announcing retirement should take it and see what they think of their plans. This is especially important for people who are planning to move in retirement. Although many beach areas look postcard-perfect, it’s crucial to see what they’re like during off seasons, and to take a drive or bus ride around to necessary spots, such as the grocery store, hospital, veterinarian, doctor’s offices and so on. Here’s what else to consider when planning to retire abroad. </p>\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 also a good time to think up hobbies, passions and projects to pursue in retirement. Doing so can stave away boredom, and it gives you plenty to talk about at the dinner table with family and friends. </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=\"http://smartinsurance.tips/6-ways-to-beat-procrastination-and-increase-productivity/\">click here.</a></p>\n<!-- /wp:paragraph -->','How do I know if I’m ready to retire?','','publish','closed','closed','','how-do-i-know-if-im-ready-to-retire','','','2023-06-30 04:24:01','2023-06-30 04:24:01','',0,'http://smartinsurance.tips/?p=3271',0,'post','',0),(3272,1,'2023-06-30 04:24:01','2023-06-30 04:24:01','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://images.mktw.net/im-775152/horizontal?width=700&amp;height=393\" alt=\"\" title=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Retirement might seem like a long-awaited vacation, but it’s better to take some real vacation days for a test run first.&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\"><strong>Retirement Tip of the Week: After you’ve decided what to do with your retirement, live it for a week or two.&nbsp;&nbsp;</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\">For many workers, retirement is a dream. Leaving the daily grind, waking up late, focusing on a hobby or taking trips to the beach — these are all common goals for someone looking to move on from a career. But retirement can be a dangerous time if not approached properly. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Beyond the proper financial planning that must go into retirement preparation, near-retirees should take time off from work to do a trial of their retirement plans. Looking to do nothing but cart around the golf course every day? Do it. Planning to sleep in late and go to bed early? Try that too. Thinking you’ll hang out with family and friends during your newfound freedom? Reach out and see who is free. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Retirees don’t always expect to feel depressed or stressed in retirement, but it’s a strong possibility. Workers have spent so many years — decades — in their careers that it becomes a part of their identities, or their definition of purpose. Without a plan in place for retirement, the days could feel long and lonely, which is a recipe for health issues and emotional turmoil. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Those who have the ability to take some vacation days before announcing retirement should take it and see what they think of their plans. This is especially important for people who are planning to move in retirement. Although many beach areas look postcard-perfect, it’s crucial to see what they’re like during off seasons, and to take a drive or bus ride around to necessary spots, such as the grocery store, hospital, veterinarian, doctor’s offices and so on. Here’s what else to consider when planning to retire abroad. </p>\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 also a good time to think up hobbies, passions and projects to pursue in retirement. Doing so can stave away boredom, and it gives you plenty to talk about at the dinner table with family and friends. </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=\"http://smartinsurance.tips/6-ways-to-beat-procrastination-and-increase-productivity/\">click here.</a></p>\n<!-- /wp:paragraph -->','How do I know if I’m ready to retire?','','inherit','closed','closed','','3271-revision-v1','','','2023-06-30 04:24:01','2023-06-30 04:24:01','',3271,'http://smartinsurance.tips/?p=3272',0,'revision','',0),(3273,1,'2023-06-30 04:28:40','2023-06-30 04:28:40','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/LcPuojn_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A well-functioning HVAC system is essential for maintaining a comfortable and energy-efficient home. Over time, however, your system may experience wear and tear or encounter issues that require professional attention. In this blog post, we will discuss how to tell if your HVAC system needs repairs or replacement with insights from Hembree Heating &amp; Air Conditioning, a trusted provider of HVAC services.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Increased Energy Bills</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\">One of the first signs that your HVAC system may need repair or replacement is a sudden increase in energy bills. If you notice a spike in your monthly costs without any change in usage, it could indicate that your system is not operating efficiently and may require professional attention.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Uneven Heating and Cooling</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 you experience inconsistent temperatures throughout your home, it may signal that your HVAC system is not functioning properly. Uneven heating and cooling could be due to issues with the ductwork, a malfunctioning thermostat or problems with the system itself. A professional assessment can determine the root cause and recommend appropriate solutions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Frequent Repairs</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 your HVAC system requires frequent repairs, it might be more cost-effective to consider a replacement. As systems age, their components can wear out, leading to a higher likelihood of breakdowns. Repeated repairs can be a sign that your system is nearing the end of its lifespan and may need to be replaced.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Excessive Noise</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\">Unusual or excessive noise coming from your HVAC system can indicate a problem. Grinding, squealing or rattling noises may signal issues with the motor, belts or other internal components. It\'s essential to have a professional technician diagnose and address the issue before it worsens or leads to a complete system breakdown.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Poor Indoor Air Quality</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 you notice an increase in dust, allergens or humidity levels in your home, your HVAC system may not be functioning optimally. Poor indoor air quality can be a sign of dirty filters, issues with ductwork or a malfunctioning system. Regular maintenance and inspection can help identify and resolve any underlying problems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>System Age</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\">HVAC systems typically have a lifespan of 10-15 years. If your system is nearing or has surpassed this age, it may be time to consider a replacement. Advances in technology have led to more energy-efficient systems, which can save you money on energy bills and provide better overall performance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Frequent Cycling</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 your HVAC system frequently turns on and off, known as short cycling, it could indicate a problem with the system. Short cycling can be caused by an improperly sized unit, a malfunctioning thermostat or issues with the system\'s components. Frequent cycling can lead to higher energy consumption and increased wear on your system, so it\'s crucial to address this issue promptly.</p>\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 HVAC system is a crucial component of your home\'s comfort and efficiency. By staying vigilant for the signs outlined in this blog, you can identify when it may be time for repairs or replacement. Hembree Heating &amp; Air Conditioning offers professional services to help diagnose and address any issues with your HVAC system, ensuring you enjoy a comfortable and energy-efficient home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Remember, routine maintenance and inspections can help prolong the life of your HVAC system and identify potential issues before they escalate.</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.hembreeac.com/blog/2023/march/how-to-tell-if-your-hvac-system-needs-repairs-or/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Tell if Your HVAC System Needs Repairs or Replacement','','publish','closed','closed','','how-to-tell-if-your-hvac-system-needs-repairs-or-replacement','','','2023-06-30 04:28:40','2023-06-30 04:28:40','',0,'http://smartinsurance.tips/?p=3273',0,'post','',0),(3274,1,'2023-06-30 04:28:40','2023-06-30 04:28:40','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/LcPuojn_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A well-functioning HVAC system is essential for maintaining a comfortable and energy-efficient home. Over time, however, your system may experience wear and tear or encounter issues that require professional attention. In this blog post, we will discuss how to tell if your HVAC system needs repairs or replacement with insights from Hembree Heating &amp; Air Conditioning, a trusted provider of HVAC services.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Increased Energy Bills</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\">One of the first signs that your HVAC system may need repair or replacement is a sudden increase in energy bills. If you notice a spike in your monthly costs without any change in usage, it could indicate that your system is not operating efficiently and may require professional attention.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Uneven Heating and Cooling</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 you experience inconsistent temperatures throughout your home, it may signal that your HVAC system is not functioning properly. Uneven heating and cooling could be due to issues with the ductwork, a malfunctioning thermostat or problems with the system itself. A professional assessment can determine the root cause and recommend appropriate solutions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Frequent Repairs</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 your HVAC system requires frequent repairs, it might be more cost-effective to consider a replacement. As systems age, their components can wear out, leading to a higher likelihood of breakdowns. Repeated repairs can be a sign that your system is nearing the end of its lifespan and may need to be replaced.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Excessive Noise</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\">Unusual or excessive noise coming from your HVAC system can indicate a problem. Grinding, squealing or rattling noises may signal issues with the motor, belts or other internal components. It\'s essential to have a professional technician diagnose and address the issue before it worsens or leads to a complete system breakdown.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Poor Indoor Air Quality</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 you notice an increase in dust, allergens or humidity levels in your home, your HVAC system may not be functioning optimally. Poor indoor air quality can be a sign of dirty filters, issues with ductwork or a malfunctioning system. Regular maintenance and inspection can help identify and resolve any underlying problems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>System Age</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\">HVAC systems typically have a lifespan of 10-15 years. If your system is nearing or has surpassed this age, it may be time to consider a replacement. Advances in technology have led to more energy-efficient systems, which can save you money on energy bills and provide better overall performance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Frequent Cycling</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 your HVAC system frequently turns on and off, known as short cycling, it could indicate a problem with the system. Short cycling can be caused by an improperly sized unit, a malfunctioning thermostat or issues with the system\'s components. Frequent cycling can lead to higher energy consumption and increased wear on your system, so it\'s crucial to address this issue promptly.</p>\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 HVAC system is a crucial component of your home\'s comfort and efficiency. By staying vigilant for the signs outlined in this blog, you can identify when it may be time for repairs or replacement. Hembree Heating &amp; Air Conditioning offers professional services to help diagnose and address any issues with your HVAC system, ensuring you enjoy a comfortable and energy-efficient home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Remember, routine maintenance and inspections can help prolong the life of your HVAC system and identify potential issues before they escalate.</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.hembreeac.com/blog/2023/march/how-to-tell-if-your-hvac-system-needs-repairs-or/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Tell if Your HVAC System Needs Repairs or Replacement','','inherit','closed','closed','','3273-revision-v1','','','2023-06-30 04:28:40','2023-06-30 04:28:40','',3273,'http://smartinsurance.tips/?p=3274',0,'revision','',0),(3275,1,'2023-06-30 04:36:14','2023-06-30 04:36:14','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/tlIdzMG_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you live in the USA, the 4th of July is Independence 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\">If you haven’t already, it’s time to fire up the barbeque grill and invite the neighbors over to celebrate. But, before you do that, be sure to send out your 4th of July email campaign.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With 4th of July spending traditionally ranging from roughly six to seven billion dollars on food alone, you’ll want to celebrate with your customers with a special 4th of July promotion.</p>\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 what if you don’t sell food, fireworks, or red, white, and blue things? That’s okay! You can still celebrate with your customers by offering special promotions or discounts, or even just by sending them a holiday greeting that wishes them a happy 4th and keeps your business top of mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The voice and content of your 4th of July email campaign depend upon your business, your brand, and your customers. Think about what 4th of July topic would suit your brand best. Do you want to share information on the American-made products you carry and the people who make them? The history of the 4th of July and why it’s important to us? The glorious fireworks and how they became part of our tradition? The fabulous cookouts, picnics, and barbeques? Or do you want to share red, white, and blue recipes?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Once you have a plan for your email, the rest is easy. Here are some great ideas to help get those creative juices flowing for your 4th of July email campaigns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">4th of July email promotions</h2>\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’s a 4th of July without holiday promotions? </p>\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 some of us will be focused on preparing every red, white, and blue recipe we can find, others will be intent on procuring the best backyard fireworks known to humankind. Either way, it’s always a bonus to get a cost break on something else on the “want” list.</p>\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, if you’re not a 4th of July-centric business, here are some ideas of promotions that you can do to boost your business this holiday and stay top of mind with your customers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Offer a special discount</h3>\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 discount can be for whatever you have to offer:&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>Services</li><li>Products</li><li>Memberships</li><li>Tickets</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 offer it, see if you can discount it for the occasion.</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\">Give them a buy one get one offer they can’t refuse</h3>\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 it’s a percentage off the second item, a free second item, or a fun 4th of July tchotchke with your business logo printed on it, it’s always fun to receive something for free.</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\">Reward referrals</h3>\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 referral program or have thought about starting one, now is a great time to give it a boost.&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>Offer your customers an extra, one-time bonus for joining your program this month.&nbsp;</li><li>Get your customers to bring you more clients by giving them extra points for any of their referrals that book this month.&nbsp;</li><li>Encourage them to bring a friend by discounting both memberships/services if they signup or book together (so it works out sort of like a buy-one-get-one X% off).</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><em>Add an extra bit of fun by challenging your customers to answer a 4th of July history question in order to receive the promotion.</em></strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Creating original 4th of July email subject lines</h2>\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 many of us, crafting great subject lines is the most challenging part of email campaigns, but it doesn’t have to be. Keep these tips in mind, and you’ll have no problem coming up with a suitably patriotic 4th of July email subject line for your campaign:</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>Keep it short and sweet</strong>. The first two words of your subject line are the most important because people tend to quickly scan subject lines to decide if they’re going to open an email or not.</li><li><strong>Convey a sense of urgency</strong>. Create FOMO (Fear of Missing Out) by letting your readers know that the offer inside is for a limited time only.</li><li><strong>Be playful with your wording.&nbsp;</strong>Making your reader laugh or smile at the subject line is sure to earn your email an opening.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fourth of July email subject line examples</h3>\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 4th of July comes around only once a year. So, take a cue from these email subject line examples and have some fun.</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>“Just like fireworks, this offer will explode [fireworks emoji]”</li><li>“Your offer is about to become history”</li><li>“BBQs, Fireworks, Discounts, oh my!”</li><li>“Just the 4th of us”</li><li>“Red, white, don’t be blue [recipients name]”</li><li>“Independence? Great!” (preheader: “Sharing discounts with friends — better!”)</li><li>“Unlock your Independence. . . ” (preheader: “Day discount”)</li><li>“Give me liberty or give me. . . ” (preheader: “death by chocolate” — If you sell chocolate <em>anything.</em> Otherwise, you can end the sentence with whatever you’re offering in your email.)</li><li>“Happy 4th of July! Eat until you explode!” (If your offer involves food. While it’s a little long, the second sentence can go into the preheader.)</li><li>“Do you know who said. . .” (If a quote is short enough, use it as a preheader and give the answer in your email. If it’s longer, include famous patriotic quotes in the body of your email.)</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\">4th of July email designs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Without a good email design, your 4th of July content may not reach the heights you’re looking for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Take a look at these premade designs within Constant Contact to get started. And remember, every email template is fully customizable, but predesigned templates have specially designed backgrounds, bars, and images that you may not be able to find elsewhere. So, pick out a favorite and use it as your foundation to build your 4th of July email.</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\">4th of July Card</h3>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\"><strong>What I love about the 4th of July Card:</strong></h4>\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>It has a lovely, clean white on white motif</li><li>The strong main graphic has vibrance and nostalgia</li><li>It has a fantastic white-washed-wood background</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Fourth of July Deal</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\"><strong>What I love about the Fourth of July Deal:</strong></h4>\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>Fun and light fireworks graphics</li><li>Bright vibrant reds that leap off the page</li><li>A great star divider line</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fourth of July Sale</h3>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\"><strong>What I love about the Fourth of July Sale template:</strong></h4>\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>Fantastic star border at the top with the fun dog graphic</li><li>Solid colors with a clean layout</li><li>Clear call to action button that doesn’t feel like it’s in your face</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fourth of July template</h3>\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>What I love about this Fourth of July email template design:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Original graphic</li><li>Simple design</li><li>Works for any brand</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Independence Day Event template</h3>\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>My favorite parts of the Independence Day Event template:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>The main fireworks image, which you can’t get anywhere else</li><li>The camping motif</li><li>Works great for when you’re not offering a promotion but want to stay top of mind</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Independence Day Sale email template</h3>\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 Independence Day Sale email template is just plain FUN! Enough said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Intentions are good, but a clear call to action is better</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With every email campaign, it’s crucial that you know exactly what you want your readers to do.</p>\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 you want them to: Have a happy 4th? Come into your shop or studio? Book an appointment or get an estimate? Invest in a membership, insurance, or real estate opportunity? Make a purchase online? Donate to your cause? Or attend an event?</p>\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 your intent, make sure that you include a clear call to action (CTA) so your readers know what you want them to do as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Good CTAs for expiring offers should include the word “now,” and each CTA should lead back to the appropriate website or landing page where customers can book online, call you, email you, download a file, fill out a form, or print out a coupon.</p>\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 should only take one click on the CTA button to get your reader to where they can do what you asked them to.</p>\n<!-- /wp: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 Independence Day email</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now that you have some ideas for promotions, subject lines, and email templates, and you know what you want your 4th of July email to accomplish, it’s time to get started.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One last thought. . . While all of the things above are essential for a successful email campaign, the most important part of the equation is to have fun, celebrate your independence as a small business owner, and share your joy and spirit of freedom with your customers.</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.constantcontact.com/blog/4th-of-july-email/\">click here.</a></p>\n<!-- /wp:paragraph -->','4th of July Email Ideas For Your Business','','publish','closed','closed','','4th-of-july-email-ideas-for-your-business','','','2023-06-30 04:36:14','2023-06-30 04:36:14','',0,'http://smartinsurance.tips/?p=3275',0,'post','',0),(3276,1,'2023-06-30 04:36:14','2023-06-30 04:36:14','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/tlIdzMG_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you live in the USA, the 4th of July is Independence 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\">If you haven’t already, it’s time to fire up the barbeque grill and invite the neighbors over to celebrate. But, before you do that, be sure to send out your 4th of July email campaign.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With 4th of July spending traditionally ranging from roughly six to seven billion dollars on food alone, you’ll want to celebrate with your customers with a special 4th of July promotion.</p>\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 what if you don’t sell food, fireworks, or red, white, and blue things? That’s okay! You can still celebrate with your customers by offering special promotions or discounts, or even just by sending them a holiday greeting that wishes them a happy 4th and keeps your business top of mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The voice and content of your 4th of July email campaign depend upon your business, your brand, and your customers. Think about what 4th of July topic would suit your brand best. Do you want to share information on the American-made products you carry and the people who make them? The history of the 4th of July and why it’s important to us? The glorious fireworks and how they became part of our tradition? The fabulous cookouts, picnics, and barbeques? Or do you want to share red, white, and blue recipes?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Once you have a plan for your email, the rest is easy. Here are some great ideas to help get those creative juices flowing for your 4th of July email campaigns.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">4th of July email promotions</h2>\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’s a 4th of July without holiday promotions? </p>\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 some of us will be focused on preparing every red, white, and blue recipe we can find, others will be intent on procuring the best backyard fireworks known to humankind. Either way, it’s always a bonus to get a cost break on something else on the “want” list.</p>\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, if you’re not a 4th of July-centric business, here are some ideas of promotions that you can do to boost your business this holiday and stay top of mind with your customers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Offer a special discount</h3>\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 discount can be for whatever you have to offer:&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>Services</li><li>Products</li><li>Memberships</li><li>Tickets</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 offer it, see if you can discount it for the occasion.</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\">Give them a buy one get one offer they can’t refuse</h3>\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 it’s a percentage off the second item, a free second item, or a fun 4th of July tchotchke with your business logo printed on it, it’s always fun to receive something for free.</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\">Reward referrals</h3>\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 referral program or have thought about starting one, now is a great time to give it a boost.&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>Offer your customers an extra, one-time bonus for joining your program this month.&nbsp;</li><li>Get your customers to bring you more clients by giving them extra points for any of their referrals that book this month.&nbsp;</li><li>Encourage them to bring a friend by discounting both memberships/services if they signup or book together (so it works out sort of like a buy-one-get-one X% off).</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><em>Add an extra bit of fun by challenging your customers to answer a 4th of July history question in order to receive the promotion.</em></strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Creating original 4th of July email subject lines</h2>\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 many of us, crafting great subject lines is the most challenging part of email campaigns, but it doesn’t have to be. Keep these tips in mind, and you’ll have no problem coming up with a suitably patriotic 4th of July email subject line for your campaign:</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>Keep it short and sweet</strong>. The first two words of your subject line are the most important because people tend to quickly scan subject lines to decide if they’re going to open an email or not.</li><li><strong>Convey a sense of urgency</strong>. Create FOMO (Fear of Missing Out) by letting your readers know that the offer inside is for a limited time only.</li><li><strong>Be playful with your wording.&nbsp;</strong>Making your reader laugh or smile at the subject line is sure to earn your email an opening.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fourth of July email subject line examples</h3>\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 4th of July comes around only once a year. So, take a cue from these email subject line examples and have some fun.</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>“Just like fireworks, this offer will explode [fireworks emoji]”</li><li>“Your offer is about to become history”</li><li>“BBQs, Fireworks, Discounts, oh my!”</li><li>“Just the 4th of us”</li><li>“Red, white, don’t be blue [recipients name]”</li><li>“Independence? Great!” (preheader: “Sharing discounts with friends — better!”)</li><li>“Unlock your Independence. . . ” (preheader: “Day discount”)</li><li>“Give me liberty or give me. . . ” (preheader: “death by chocolate” — If you sell chocolate <em>anything.</em> Otherwise, you can end the sentence with whatever you’re offering in your email.)</li><li>“Happy 4th of July! Eat until you explode!” (If your offer involves food. While it’s a little long, the second sentence can go into the preheader.)</li><li>“Do you know who said. . .” (If a quote is short enough, use it as a preheader and give the answer in your email. If it’s longer, include famous patriotic quotes in the body of your email.)</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\">4th of July email designs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Without a good email design, your 4th of July content may not reach the heights you’re looking for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Take a look at these premade designs within Constant Contact to get started. And remember, every email template is fully customizable, but predesigned templates have specially designed backgrounds, bars, and images that you may not be able to find elsewhere. So, pick out a favorite and use it as your foundation to build your 4th of July email.</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\">4th of July Card</h3>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\"><strong>What I love about the 4th of July Card:</strong></h4>\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>It has a lovely, clean white on white motif</li><li>The strong main graphic has vibrance and nostalgia</li><li>It has a fantastic white-washed-wood background</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Fourth of July Deal</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\"><strong>What I love about the Fourth of July Deal:</strong></h4>\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>Fun and light fireworks graphics</li><li>Bright vibrant reds that leap off the page</li><li>A great star divider line</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fourth of July Sale</h3>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\"><strong>What I love about the Fourth of July Sale template:</strong></h4>\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>Fantastic star border at the top with the fun dog graphic</li><li>Solid colors with a clean layout</li><li>Clear call to action button that doesn’t feel like it’s in your face</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Fourth of July template</h3>\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>What I love about this Fourth of July email template design:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Original graphic</li><li>Simple design</li><li>Works for any brand</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Independence Day Event template</h3>\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>My favorite parts of the Independence Day Event template:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>The main fireworks image, which you can’t get anywhere else</li><li>The camping motif</li><li>Works great for when you’re not offering a promotion but want to stay top of mind</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Independence Day Sale email template</h3>\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 Independence Day Sale email template is just plain FUN! Enough said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Intentions are good, but a clear call to action is better</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With every email campaign, it’s crucial that you know exactly what you want your readers to do.</p>\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 you want them to: Have a happy 4th? Come into your shop or studio? Book an appointment or get an estimate? Invest in a membership, insurance, or real estate opportunity? Make a purchase online? Donate to your cause? Or attend an event?</p>\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 your intent, make sure that you include a clear call to action (CTA) so your readers know what you want them to do as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Good CTAs for expiring offers should include the word “now,” and each CTA should lead back to the appropriate website or landing page where customers can book online, call you, email you, download a file, fill out a form, or print out a coupon.</p>\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 should only take one click on the CTA button to get your reader to where they can do what you asked them to.</p>\n<!-- /wp: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 Independence Day email</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Now that you have some ideas for promotions, subject lines, and email templates, and you know what you want your 4th of July email to accomplish, it’s time to get started.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One last thought. . . While all of the things above are essential for a successful email campaign, the most important part of the equation is to have fun, celebrate your independence as a small business owner, and share your joy and spirit of freedom with your customers.</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.constantcontact.com/blog/4th-of-july-email/\">click here.</a></p>\n<!-- /wp:paragraph -->','4th of July Email Ideas For Your Business','','inherit','closed','closed','','3275-revision-v1','','','2023-06-30 04:36:14','2023-06-30 04:36:14','',3275,'http://smartinsurance.tips/?p=3276',0,'revision','',0),(3277,1,'2023-06-30 04:50:41','2023-06-30 04:50:41','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/QBDFnHF_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Knowingly or unknowingly the world has been under the influence of some <strong>great personalities.</strong> Be it,<strong> MK Gandhi</strong> or <strong>Nelson Mandela</strong>, a plethora of such magnificent minds have showered us with their wisdom as well as achieved some extraordinary goals which are revered to date. A variety of <strong>leadership styles</strong> can be observed in the <strong>famous personalities of India</strong> and the world. The epitome of their greatness can be seen across various fields. Let us shed some light on some great leaders of the world and get all enlightened. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":5,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h5 class=\"has-black-color has-text-color has-large-font-size\">THIS BLOG INCLUDES:</h5>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li>Mahatma Gandhi (1869-1948)</li><li>Nelson Mandela (1918-2013)</li><li>Winston Churchill (1874-1965)</li><li>Martin Luther King Jr (1929-1968)</li><li>Abraham Lincoln (1809-1865)</li><li>Mother Teresa (1910-1997)</li><li>Napoleon Bonaparte (1769-1821)</li><li>George Washington (1732- 1799)</li><li>Dalai Lama (1935-present)</li><li>Julias Caesar (100B.C.-44B.C.)</li><li>Franklin D Roosevelt (1882 – 1945)</li><li>Asoka (304 BC – 232 BC)</li><li>Alexander, The Great (356 BC – 323 BC)</li><li>Maharaja Ranjit Singh (1780 – 1839)</li><li>Bill Gates (1955 – Present)</li><li>List of Top Leaders in the World 2022</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\" id=\"h-mahatma-gandhi-1869-1948\">Mahatma Gandhi (1869-1948)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Born in an ordinary Indian family in Gujrat, Mohandas Karamchand Gandhi was a rebellious leader of a multitude of protests that aimed to liberate India. Moments like<strong> Civil Disobedience</strong>, Dandi March, and Quit India were his brainchild and cite his glory. Later on, he was awarded the title of ‘Father of the Nation’. </p>\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><em>Education is a powerful tool that brings awareness and greatness to an individual. Mahatma Gandhi, apart from being a popular leader of the world, also had an exceptional academic journey. Read our blog on the Education of Mahatma Gandhi to know more!</em></strong></p>\n<!-- /wp: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=\"h-nelson-mandela-1918-2013\">Nelson Mandela (1918-2013</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Greatness personified, Nelson Mandela a revolutionary anti-apartheid, philanthropist, politician and one of the great leaders of the world was the president of South Africa from 1994- 1999. From being sentenced to life imprisonment in 1963 to a Nobel Prize for ending apartheid in the country in 1993, Nelson Mandela has experienced it all.  </p>\n<!-- /wp: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=\"h-winston-churchill-1874-1965\">Winston Churchill (1874-1965)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Regarded as the saviour of democracy, Winston Churchill was the great mind behind the victory of Britain over the Nazis. Born in an aristocratic family, he served the national army of Britain and then, later on, became the Prime Minister in 1940. Amongst his many honours, some are being elected as a PM again in 1951, Nobel Prize in <strong>Literature</strong>, 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=\"h-martin-luther-king-jr-1929-1968\">Martin Luther King Jr (1929-1968)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Globally renowned for his speech ‘I Have a Dream’ in Washington, MLK is one of the most celebrated souls across the globe and is named among the great leaders of the world. Just like Gandhi, he also continued his struggles through the Civil Rights Movement for the Afro-Americans. He was a firm believer in Christianity, hence, thoroughly followed non-violence. </p>\n<!-- /wp: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=\"h-abraham-lincoln-1809-1865\">Abraham Lincoln (1809-1865)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Known as the 16th president of the United States, Abraham Lincoln was a revolutionary leader who ignited the ‘free nation’ spirit in the USA. He was an award-winning lawyer who later on chose the path of politics. Words like democracy, liberty, equal rights, etc are often used as synonyms for his name due to his inspirational journey of leading the country to victory in the Civil War. </p>\n<!-- /wp: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=\"h-mother-teresa-1910-1997\">Mother Teresa (1910-1997)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Born as Anjeze Gonxhe Bojaxhiu in 1910, Mother Teresa has left a lasting dent in humankind. Because of her unforgettable devotion to empowering vulnerable groups, she has grabbed a notable mention in the list of great leaders of the world. She led a global community in her support which avidly worked for opening orphanages, clinics, etc around the world including India. She even received a Nobel Prize for her endeavours to overcome poverty.</p>\n<!-- /wp: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=\"h-napoleon-bonaparte-1769-1821\">Napoleon Bonaparte (1769-1821)             </h2>\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 vital mention during the great French Revolution, Napoleon Bonaparte was a reputed French military leader who afterwards became a popular politician. He has been profoundly remembered as the Emperor of France as well as his significant role in the Napoleonic wars.</p>\n<!-- /wp: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=\"h-george-washington-1732-1799\">George Washington (1732- 1799)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">George Washington is fondly remembered as one of the founding fathers of the USA. His greatness lies in the fact that he has been the first and the only nonpartisan political leader and the president of the <strong>USA</strong>. He is even credited for the victory of the Continental Army in the Revolutionary War. </p>\n<!-- /wp: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=\"h-dalai-lama-1935-present\">Dalai Lama (1935-present)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Being awarded a Nobel Peace Prize in 1989, the 14th Dalai Lama, Tenzin Gyatso is listed among the great leaders of the world. He was born on 6th July 1935 to a farming family in a small town in Tibet. For more than 50 years he has been tirelessly campaigning for non-violence, peace, and democracy. </p>\n<!-- /wp: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=\"h-julias-caesar-100b-c-44b-c\">Julias Caesar (100B.C.-44B.C.)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Gaius Julius Caesar was a revolutionary personality of the historic times whose life has been romanticized by the famous William Shakespeare himself through his works. He is arguably the most popular Roman politician and a reputed writer of famous Latin prose. His legacy can be estimated from the fact that his name is synonymous with <strong>leadership</strong>, and the month of July is named after him. </p>\n<!-- /wp: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=\"franklin-d-roosevelt-1882-1945\">Franklin D Roosevelt (1882 – 1945)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Franklin D. Roosevelt, often known as FDR, was an American political leader who guided and assisted his country during some of its darkest years, such as the Great Depression. FDR’s leadership teachings are still applicable for business executives today, even more than 80 years later, especially those leading a company through difficult circumstances. Roosevelt had polio at the age of 29, leaving him crippled in both legs. Nonetheless, he was elected President in 1933, and he is the only President who has been elected four times in a row until he died in 1945. He has shown enormous personal courage every day of his life.</p>\n<!-- /wp: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=\"asoka-304-bc-232-bc\">Asoka (304 BC – 232 BC)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Ashoka or Asoka was another Gupta dynasty Emperor of India who was given the title of ‘The Great.’ He was the grandson of the Gupta dynasty’s founder, Chandragupta Maurya. Asoka the Great was the last emperor of the Maurya empire, ruling from 269 BC. He, too, made significant conquests, and his kingdom included nearly the whole Indian subcontinent. Today, he is recognized as a prominent Buddhist advocate who preached Buddhist principles and lessons from Buddha’s life to the people.</p>\n<!-- /wp: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=\"alexander-the-great-356-bc-323-bc\">Alexander, The Great (356 BC – 323 BC)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Alexander the Great, often known as the “Man Who Conquered the World,” is widely regarded as the greatest military leader of all time. His leadership style, great presence of mind, battles, and vision is still being praised in the books of history.  He was born in 356 BC and controlled the greatest empire in history by the age of 33, stretching from <strong>Greece</strong> to Egypt to India. He was the King of Macedonia, and he was maybe the finest military leader that ever lived. He accomplished the great feat of uniting numerous Greek city-states. He was unbeaten in combat until he died of malaria in 323 BC.</p>\n<!-- /wp: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=\"maharaja-ranjit-singh-1780-1839\">Maharaja Ranjit Singh (1780 – 1839)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Maharaja Ranjit Singh, also known as the “Lion of Punjab” or “Sher-e-Punjab,” was the first Maharaja of the Sikh Empire, which controlled the northwest Indian subcontinent in the early part of the nineteenth century. Afghan invasions, chronic infighting among Punjab’s numerous sovereign kingdoms, and the impending prospect of British expansion had left the province politically unstable, economically weak, and religiously divided by the time Ranjit Singh was born in 1780. All of this changed with the ascension of Maharaja Ranjit Singh. During his rule, Punjab and Northwest India experienced a golden era. Though a devout Sikh who spearheaded an effort to repair his religion’s main sites, notably the Harmandir Sahib or “Golden Temple” in Amritsar, he also went to considerable pains to protect religious freedom inside his borders. People from all walks of life, religions, and castes were engaged in his empire’s modernized army and administration. Infrastructure was renovated, trade was opened and developed, and the arts flourished under his rule.</p>\n<!-- /wp: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=\"bill-gates-1955-present\">Bill Gates (1955 – Present)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another personality on our list of great leaders in the world is someone who is an inspiration for all innovators. Bill Gates is an American billionaire entrepreneur and philanthropist whose vision and leadership have inspired an entire generation of innovators. Bill didn’t see his first computer at school until he was 13 years old. He paid to use it, and when his money ran out, he hacked into the computer and used it for free. You might argue that young Bill was destined for an imaginative and innovative career in IT at this time. He had previously established a company with his friend Paul Allen when he was 15 years old. They had no idea that just 5 years later, they would be altering the way the world does business and even communicates. He restructured and gave birth to contemporary IT, which is being used by millions of people all over the world. For more than two decades, Gates has consistently been listed among the world’s wealthiest individuals, and in 2016, Forbes surpassed this by rating him as the world’s richest man. </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://leverageedu.com/blog/great-leaders-of-the-world/\">click here.</a></p>\n<!-- /wp:paragraph -->','Top Great Leaders of the World and their Inspiring Journey','','publish','closed','closed','','top-great-leaders-of-the-world-and-their-inspiring-journey','','','2023-06-30 04:50:41','2023-06-30 04:50:41','',0,'http://smartinsurance.tips/?p=3277',0,'post','',0),(3278,1,'2023-06-30 04:50:41','2023-06-30 04:50:41','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/QBDFnHF_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Knowingly or unknowingly the world has been under the influence of some <strong>great personalities.</strong> Be it,<strong> MK Gandhi</strong> or <strong>Nelson Mandela</strong>, a plethora of such magnificent minds have showered us with their wisdom as well as achieved some extraordinary goals which are revered to date. A variety of <strong>leadership styles</strong> can be observed in the <strong>famous personalities of India</strong> and the world. The epitome of their greatness can be seen across various fields. Let us shed some light on some great leaders of the world and get all enlightened. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":5,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h5 class=\"has-black-color has-text-color has-large-font-size\">THIS BLOG INCLUDES:</h5>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li>Mahatma Gandhi (1869-1948)</li><li>Nelson Mandela (1918-2013)</li><li>Winston Churchill (1874-1965)</li><li>Martin Luther King Jr (1929-1968)</li><li>Abraham Lincoln (1809-1865)</li><li>Mother Teresa (1910-1997)</li><li>Napoleon Bonaparte (1769-1821)</li><li>George Washington (1732- 1799)</li><li>Dalai Lama (1935-present)</li><li>Julias Caesar (100B.C.-44B.C.)</li><li>Franklin D Roosevelt (1882 – 1945)</li><li>Asoka (304 BC – 232 BC)</li><li>Alexander, The Great (356 BC – 323 BC)</li><li>Maharaja Ranjit Singh (1780 – 1839)</li><li>Bill Gates (1955 – Present)</li><li>List of Top Leaders in the World 2022</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\" id=\"h-mahatma-gandhi-1869-1948\">Mahatma Gandhi (1869-1948)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Born in an ordinary Indian family in Gujrat, Mohandas Karamchand Gandhi was a rebellious leader of a multitude of protests that aimed to liberate India. Moments like<strong> Civil Disobedience</strong>, Dandi March, and Quit India were his brainchild and cite his glory. Later on, he was awarded the title of ‘Father of the Nation’. </p>\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><em>Education is a powerful tool that brings awareness and greatness to an individual. Mahatma Gandhi, apart from being a popular leader of the world, also had an exceptional academic journey. Read our blog on the Education of Mahatma Gandhi to know more!</em></strong></p>\n<!-- /wp: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=\"h-nelson-mandela-1918-2013\">Nelson Mandela (1918-2013</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Greatness personified, Nelson Mandela a revolutionary anti-apartheid, philanthropist, politician and one of the great leaders of the world was the president of South Africa from 1994- 1999. From being sentenced to life imprisonment in 1963 to a Nobel Prize for ending apartheid in the country in 1993, Nelson Mandela has experienced it all.  </p>\n<!-- /wp: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=\"h-winston-churchill-1874-1965\">Winston Churchill (1874-1965)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Regarded as the saviour of democracy, Winston Churchill was the great mind behind the victory of Britain over the Nazis. Born in an aristocratic family, he served the national army of Britain and then, later on, became the Prime Minister in 1940. Amongst his many honours, some are being elected as a PM again in 1951, Nobel Prize in <strong>Literature</strong>, 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=\"h-martin-luther-king-jr-1929-1968\">Martin Luther King Jr (1929-1968)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Globally renowned for his speech ‘I Have a Dream’ in Washington, MLK is one of the most celebrated souls across the globe and is named among the great leaders of the world. Just like Gandhi, he also continued his struggles through the Civil Rights Movement for the Afro-Americans. He was a firm believer in Christianity, hence, thoroughly followed non-violence. </p>\n<!-- /wp: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=\"h-abraham-lincoln-1809-1865\">Abraham Lincoln (1809-1865)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Known as the 16th president of the United States, Abraham Lincoln was a revolutionary leader who ignited the ‘free nation’ spirit in the USA. He was an award-winning lawyer who later on chose the path of politics. Words like democracy, liberty, equal rights, etc are often used as synonyms for his name due to his inspirational journey of leading the country to victory in the Civil War. </p>\n<!-- /wp: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=\"h-mother-teresa-1910-1997\">Mother Teresa (1910-1997)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Born as Anjeze Gonxhe Bojaxhiu in 1910, Mother Teresa has left a lasting dent in humankind. Because of her unforgettable devotion to empowering vulnerable groups, she has grabbed a notable mention in the list of great leaders of the world. She led a global community in her support which avidly worked for opening orphanages, clinics, etc around the world including India. She even received a Nobel Prize for her endeavours to overcome poverty.</p>\n<!-- /wp: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=\"h-napoleon-bonaparte-1769-1821\">Napoleon Bonaparte (1769-1821)             </h2>\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 vital mention during the great French Revolution, Napoleon Bonaparte was a reputed French military leader who afterwards became a popular politician. He has been profoundly remembered as the Emperor of France as well as his significant role in the Napoleonic wars.</p>\n<!-- /wp: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=\"h-george-washington-1732-1799\">George Washington (1732- 1799)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">George Washington is fondly remembered as one of the founding fathers of the USA. His greatness lies in the fact that he has been the first and the only nonpartisan political leader and the president of the <strong>USA</strong>. He is even credited for the victory of the Continental Army in the Revolutionary War. </p>\n<!-- /wp: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=\"h-dalai-lama-1935-present\">Dalai Lama (1935-present)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Being awarded a Nobel Peace Prize in 1989, the 14th Dalai Lama, Tenzin Gyatso is listed among the great leaders of the world. He was born on 6th July 1935 to a farming family in a small town in Tibet. For more than 50 years he has been tirelessly campaigning for non-violence, peace, and democracy. </p>\n<!-- /wp: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=\"h-julias-caesar-100b-c-44b-c\">Julias Caesar (100B.C.-44B.C.)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Gaius Julius Caesar was a revolutionary personality of the historic times whose life has been romanticized by the famous William Shakespeare himself through his works. He is arguably the most popular Roman politician and a reputed writer of famous Latin prose. His legacy can be estimated from the fact that his name is synonymous with <strong>leadership</strong>, and the month of July is named after him. </p>\n<!-- /wp: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=\"franklin-d-roosevelt-1882-1945\">Franklin D Roosevelt (1882 – 1945)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Franklin D. Roosevelt, often known as FDR, was an American political leader who guided and assisted his country during some of its darkest years, such as the Great Depression. FDR’s leadership teachings are still applicable for business executives today, even more than 80 years later, especially those leading a company through difficult circumstances. Roosevelt had polio at the age of 29, leaving him crippled in both legs. Nonetheless, he was elected President in 1933, and he is the only President who has been elected four times in a row until he died in 1945. He has shown enormous personal courage every day of his life.</p>\n<!-- /wp: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=\"asoka-304-bc-232-bc\">Asoka (304 BC – 232 BC)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Ashoka or Asoka was another Gupta dynasty Emperor of India who was given the title of ‘The Great.’ He was the grandson of the Gupta dynasty’s founder, Chandragupta Maurya. Asoka the Great was the last emperor of the Maurya empire, ruling from 269 BC. He, too, made significant conquests, and his kingdom included nearly the whole Indian subcontinent. Today, he is recognized as a prominent Buddhist advocate who preached Buddhist principles and lessons from Buddha’s life to the people.</p>\n<!-- /wp: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=\"alexander-the-great-356-bc-323-bc\">Alexander, The Great (356 BC – 323 BC)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Alexander the Great, often known as the “Man Who Conquered the World,” is widely regarded as the greatest military leader of all time. His leadership style, great presence of mind, battles, and vision is still being praised in the books of history.  He was born in 356 BC and controlled the greatest empire in history by the age of 33, stretching from <strong>Greece</strong> to Egypt to India. He was the King of Macedonia, and he was maybe the finest military leader that ever lived. He accomplished the great feat of uniting numerous Greek city-states. He was unbeaten in combat until he died of malaria in 323 BC.</p>\n<!-- /wp: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=\"maharaja-ranjit-singh-1780-1839\">Maharaja Ranjit Singh (1780 – 1839)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Maharaja Ranjit Singh, also known as the “Lion of Punjab” or “Sher-e-Punjab,” was the first Maharaja of the Sikh Empire, which controlled the northwest Indian subcontinent in the early part of the nineteenth century. Afghan invasions, chronic infighting among Punjab’s numerous sovereign kingdoms, and the impending prospect of British expansion had left the province politically unstable, economically weak, and religiously divided by the time Ranjit Singh was born in 1780. All of this changed with the ascension of Maharaja Ranjit Singh. During his rule, Punjab and Northwest India experienced a golden era. Though a devout Sikh who spearheaded an effort to repair his religion’s main sites, notably the Harmandir Sahib or “Golden Temple” in Amritsar, he also went to considerable pains to protect religious freedom inside his borders. People from all walks of life, religions, and castes were engaged in his empire’s modernized army and administration. Infrastructure was renovated, trade was opened and developed, and the arts flourished under his rule.</p>\n<!-- /wp: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=\"bill-gates-1955-present\">Bill Gates (1955 – Present)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another personality on our list of great leaders in the world is someone who is an inspiration for all innovators. Bill Gates is an American billionaire entrepreneur and philanthropist whose vision and leadership have inspired an entire generation of innovators. Bill didn’t see his first computer at school until he was 13 years old. He paid to use it, and when his money ran out, he hacked into the computer and used it for free. You might argue that young Bill was destined for an imaginative and innovative career in IT at this time. He had previously established a company with his friend Paul Allen when he was 15 years old. They had no idea that just 5 years later, they would be altering the way the world does business and even communicates. He restructured and gave birth to contemporary IT, which is being used by millions of people all over the world. For more than two decades, Gates has consistently been listed among the world’s wealthiest individuals, and in 2016, Forbes surpassed this by rating him as the world’s richest man. </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://leverageedu.com/blog/great-leaders-of-the-world/\">click here.</a></p>\n<!-- /wp:paragraph -->','Top Great Leaders of the World and their Inspiring Journey','','inherit','closed','closed','','3277-revision-v1','','','2023-06-30 04:50:41','2023-06-30 04:50:41','',3277,'http://smartinsurance.tips/?p=3278',0,'revision','',0),(3279,1,'2023-06-30 04:55:06','2023-06-30 04:55:06','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/2EapZ2u_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s normal to feel tired during the day now and then—especially as you get older. But no matter your age, some simple steps may be helpful. “There are plenty of things you can do through lifestyle—eat the right foods, get enough exercise, stay connected with others—to help keep energy reserves up,” says Rosanne M. Leipzig, MD, a professor in the department of geriatrics and palliative medicine at the Icahn School of Medicine at Mount Sinai in New York City and author of “Honest Aging: An Insider’s Guide to the Second Half of Life” (Johns Hopkins University Press, 2023).</p>\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 said, if your energy lags enough to make daily activities challenging, she recommends seeing a doctor to rule out or fix a health issue that may be at fault. (See “5 Energy Sappers,” below.) And consider these strategies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Check Your Medications</h2>\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 meds can cause drowsiness, says Lillian Min, MD, MSHS, an associate professor of geriatric and palliative medicine at the University of Michigan in Ann Arbor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One common offender is diphenhydramine, found in some over-the-counter cold medications and allergy drugs like Benadryl. Beta-blockers for high blood pressure, such as acebutolol (Sectral) and metoprolol (Lopressor), may also make you tired.</p>\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, certain SSRI antidepressants may have sedating qualities, as can muscle relaxants and opioids, says Richard Marottoli, MD, MPH, a geriatrician at the Yale School of Medicine in New Haven, Conn. In these cases, talk to your doctor; switching to another class of drug with similar benefits may help.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Get Some Light in the A.M.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Going to bed and getting up at the same time each day is important, especially the getting up part, says Christina Pierpaoli Parker, PhD, a geriatric behavioral sleep medicine psychologist at the University of Alabama in Birmingham. This helps regulate your body clock and energy levels.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">On awakening, expose yourself to natural light as soon as possible. “It’s highly alerting and can provide energy throughout the day,” says Shelby Harris, PsyD, a clinical associate professor of neurology at the Albert Einstein College of Medicine in New York City. This can also improve sleep quality.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Try a morning walk, throw open your curtains or blinds, or consider a sunrise alarm clock, which mimics natural sunlight.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Drink Plenty of Fluids</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Older adults may be more likely to be dehydrated. “As you age, your thirst cues become blunted,” says Jessica Sylvester, MS, RD, a clinical dietitian and national media spokesperson for the Academy of Nutrition and Dietetics. As a result, you’re less likely to drink enough fluids, and one small study suggests that even minimal dehydration can cause fatigue, at least in young women.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To prevent dehydration, the Academy of Nutrition and Dietetics recommends that women generally get about 9 cups of fluid per day and men about 13 cups. (Foods like soup and produce also contain fluids.) “I suggest to my older patients that they get a water bottle they like, and drink three of them each day,” Sylvester says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Eat the Right Stuff</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because your appetite may become smaller with age, it’s important to ensure you’re getting the nutrients you need to maintain strength and energy.</p>\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 every meal and snack should include complex carbohydrates—produce or whole grains—plus protein or a bit of healthy fat, or both, Sylvester says. “The combination of at least two of these macronutrients helps slow down digestion and absorption, so you don’t see as big of a spike in blood sugar,” she says. “This helps prevent a blood sugar crash that contributes to low energy.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Also, limit processed and refined foods. These tend to be high in simple carbs, which may cause blood sugar rises and crashes that leave you low in energy, she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pay particular attention to protein. People over age 65 should strive for 0.45 to 0.55 gram of protein per kilogram of body weight daily (68 to 83 grams for a 150-pound woman, and 81 to 99 grams for a 180-pound man). Try to spread it evenly across meals. A 2013 study in the Nutrition Journal found that uneven distribution of protein throughout the day was associated with frailty, slower walking speed, and fatigue in older adults. Most animal sources of protein are also rich in B12, a nutrient that becomes hard to absorb with age.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Move Around More</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Aerobic exercise is key. “It improves cardiovascular function, so your body can move oxygen-containing blood around your body more efficiently,” says Joshua Keller, PhD, an exercise physiologist at the University of South Alabama in Mobile. As a result, you feel more energized, and actions like lifting a heavy object or climbing stairs become easier.</p>\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 Centers for Disease Control and Prevention recommends that older adults get 150 minutes a week of moderate-intensity exercise such as brisk walking. If that’s daunting, start with less and ramp up slowly. “We want to meet people at their level. If you feel too tired, then just try to walk around the block, and gradually increase distance and intensity every week,” Keller 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\">Resistance training is important for maintaining energy, too. Muscles lose 10 to 15 percent of their size and strength every year after age 50, especially in those who are sedentary. About 30 percent of adults over age 70 have trouble walking, getting out of a chair, or climbing stairs, according to the National Institute on Aging.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Keller suggests strength training or exercises that also incorporate balance, like tai chi and yoga, twice a week. He recommends adding brief bouts of exercise—a minute or two—throughout the day, as well. A 2022 review concluded that this can boost overall fitness and heart health. These mini-workouts, whether it’s marching in place, doing pushups against the wall, or doing squats, can be energizing, too.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">5 Energy Sappers</h2>\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 feel tired all the time, it may be caused by a health problem:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Anemia:</strong>&nbsp;About 17 percent of older adults have anemia. Iron-deficiency anemia, the most common type, can be treated with iron supplements.</p>\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>Obstructive sleep apnea: </strong>Some people may have this without knowing it, but many can now be diagnosed with OSA via an at-home test. The gold standard treatment is continuous positive airway pressure (CPAP), where you wear a mask connected to a pump that pushes air into your airway and keeps it open while you sleep.</p>\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>Vitamin B₁₂ deficiency:&nbsp;</strong>Up to 19 percent of older adults may have a shortfall of vitamin B₁₂. A deficiency may be treated with supplements.</p>\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>Hypothyroidism:</strong>&nbsp;If blood tests reveal high levels of thyroid-stimulating hormone, a daily hormone replacement tablet can help.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Stress:</strong>&nbsp;Stress can fatigue you. “It causes something I call wired but tired,” Pierpaoli Parker says. “Your body is constantly pumping out stress hormones, which is exhausting, but your brain won’t turn off, so you can’t rest and fall asleep.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Her advice? Schedule some “worry” time. Make a list of everything you’re concerned about and next to each, note one action you can take to help address the worries. Just writing down the issues may help give you some needed perspective. In addition, “It teaches your mind to compartmentalize and restrict worries to a specific time period,” Pierpaoli Parker 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\">Also useful: belly breathing, which can calm you. Sit in a comfortable chair or lie down and place your hands on your belly (beneath the navel). Slowly breathe in through your nose, mouth closed. Then blow all of the air out slowly through your nose. As you breathe in, your belly should feel like it’s filling with air. Repeat five to 10 times. If such DIY techniques don’t help enough—you still feel stressed, or very anxious or depressed—reach out to your doctor.</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/health/exercise-fitness/tips-to-rev-up-your-energy-levels-a4087679371/\">click here.</a></p>\n<!-- /wp:paragraph -->','4 Tips to Rev Up Your Energy Levels','','publish','closed','closed','','4-tips-to-rev-up-your-energy-levels','','','2023-06-30 04:55:06','2023-06-30 04:55:06','',0,'http://smartinsurance.tips/?p=3279',0,'post','',0),(3280,1,'2023-06-30 04:55:06','2023-06-30 04:55:06','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/2EapZ2u_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s normal to feel tired during the day now and then—especially as you get older. But no matter your age, some simple steps may be helpful. “There are plenty of things you can do through lifestyle—eat the right foods, get enough exercise, stay connected with others—to help keep energy reserves up,” says Rosanne M. Leipzig, MD, a professor in the department of geriatrics and palliative medicine at the Icahn School of Medicine at Mount Sinai in New York City and author of “Honest Aging: An Insider’s Guide to the Second Half of Life” (Johns Hopkins University Press, 2023).</p>\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 said, if your energy lags enough to make daily activities challenging, she recommends seeing a doctor to rule out or fix a health issue that may be at fault. (See “5 Energy Sappers,” below.) And consider these strategies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Check Your Medications</h2>\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 meds can cause drowsiness, says Lillian Min, MD, MSHS, an associate professor of geriatric and palliative medicine at the University of Michigan in Ann Arbor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One common offender is diphenhydramine, found in some over-the-counter cold medications and allergy drugs like Benadryl. Beta-blockers for high blood pressure, such as acebutolol (Sectral) and metoprolol (Lopressor), may also make you tired.</p>\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, certain SSRI antidepressants may have sedating qualities, as can muscle relaxants and opioids, says Richard Marottoli, MD, MPH, a geriatrician at the Yale School of Medicine in New Haven, Conn. In these cases, talk to your doctor; switching to another class of drug with similar benefits may help.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Get Some Light in the A.M.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Going to bed and getting up at the same time each day is important, especially the getting up part, says Christina Pierpaoli Parker, PhD, a geriatric behavioral sleep medicine psychologist at the University of Alabama in Birmingham. This helps regulate your body clock and energy levels.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">On awakening, expose yourself to natural light as soon as possible. “It’s highly alerting and can provide energy throughout the day,” says Shelby Harris, PsyD, a clinical associate professor of neurology at the Albert Einstein College of Medicine in New York City. This can also improve sleep quality.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Try a morning walk, throw open your curtains or blinds, or consider a sunrise alarm clock, which mimics natural sunlight.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Drink Plenty of Fluids</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Older adults may be more likely to be dehydrated. “As you age, your thirst cues become blunted,” says Jessica Sylvester, MS, RD, a clinical dietitian and national media spokesperson for the Academy of Nutrition and Dietetics. As a result, you’re less likely to drink enough fluids, and one small study suggests that even minimal dehydration can cause fatigue, at least in young women.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To prevent dehydration, the Academy of Nutrition and Dietetics recommends that women generally get about 9 cups of fluid per day and men about 13 cups. (Foods like soup and produce also contain fluids.) “I suggest to my older patients that they get a water bottle they like, and drink three of them each day,” Sylvester says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Eat the Right Stuff</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because your appetite may become smaller with age, it’s important to ensure you’re getting the nutrients you need to maintain strength and energy.</p>\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 every meal and snack should include complex carbohydrates—produce or whole grains—plus protein or a bit of healthy fat, or both, Sylvester says. “The combination of at least two of these macronutrients helps slow down digestion and absorption, so you don’t see as big of a spike in blood sugar,” she says. “This helps prevent a blood sugar crash that contributes to low energy.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Also, limit processed and refined foods. These tend to be high in simple carbs, which may cause blood sugar rises and crashes that leave you low in energy, she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pay particular attention to protein. People over age 65 should strive for 0.45 to 0.55 gram of protein per kilogram of body weight daily (68 to 83 grams for a 150-pound woman, and 81 to 99 grams for a 180-pound man). Try to spread it evenly across meals. A 2013 study in the Nutrition Journal found that uneven distribution of protein throughout the day was associated with frailty, slower walking speed, and fatigue in older adults. Most animal sources of protein are also rich in B12, a nutrient that becomes hard to absorb with age.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Move Around More</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Aerobic exercise is key. “It improves cardiovascular function, so your body can move oxygen-containing blood around your body more efficiently,” says Joshua Keller, PhD, an exercise physiologist at the University of South Alabama in Mobile. As a result, you feel more energized, and actions like lifting a heavy object or climbing stairs become easier.</p>\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 Centers for Disease Control and Prevention recommends that older adults get 150 minutes a week of moderate-intensity exercise such as brisk walking. If that’s daunting, start with less and ramp up slowly. “We want to meet people at their level. If you feel too tired, then just try to walk around the block, and gradually increase distance and intensity every week,” Keller 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\">Resistance training is important for maintaining energy, too. Muscles lose 10 to 15 percent of their size and strength every year after age 50, especially in those who are sedentary. About 30 percent of adults over age 70 have trouble walking, getting out of a chair, or climbing stairs, according to the National Institute on Aging.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Keller suggests strength training or exercises that also incorporate balance, like tai chi and yoga, twice a week. He recommends adding brief bouts of exercise—a minute or two—throughout the day, as well. A 2022 review concluded that this can boost overall fitness and heart health. These mini-workouts, whether it’s marching in place, doing pushups against the wall, or doing squats, can be energizing, too.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">5 Energy Sappers</h2>\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 feel tired all the time, it may be caused by a health problem:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Anemia:</strong>&nbsp;About 17 percent of older adults have anemia. Iron-deficiency anemia, the most common type, can be treated with iron supplements.</p>\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>Obstructive sleep apnea: </strong>Some people may have this without knowing it, but many can now be diagnosed with OSA via an at-home test. The gold standard treatment is continuous positive airway pressure (CPAP), where you wear a mask connected to a pump that pushes air into your airway and keeps it open while you sleep.</p>\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>Vitamin B₁₂ deficiency:&nbsp;</strong>Up to 19 percent of older adults may have a shortfall of vitamin B₁₂. A deficiency may be treated with supplements.</p>\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>Hypothyroidism:</strong>&nbsp;If blood tests reveal high levels of thyroid-stimulating hormone, a daily hormone replacement tablet can help.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Stress:</strong>&nbsp;Stress can fatigue you. “It causes something I call wired but tired,” Pierpaoli Parker says. “Your body is constantly pumping out stress hormones, which is exhausting, but your brain won’t turn off, so you can’t rest and fall asleep.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Her advice? Schedule some “worry” time. Make a list of everything you’re concerned about and next to each, note one action you can take to help address the worries. Just writing down the issues may help give you some needed perspective. In addition, “It teaches your mind to compartmentalize and restrict worries to a specific time period,” Pierpaoli Parker 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\">Also useful: belly breathing, which can calm you. Sit in a comfortable chair or lie down and place your hands on your belly (beneath the navel). Slowly breathe in through your nose, mouth closed. Then blow all of the air out slowly through your nose. As you breathe in, your belly should feel like it’s filling with air. Repeat five to 10 times. If such DIY techniques don’t help enough—you still feel stressed, or very anxious or depressed—reach out to your doctor.</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/health/exercise-fitness/tips-to-rev-up-your-energy-levels-a4087679371/\">click here.</a></p>\n<!-- /wp:paragraph -->','4 Tips to Rev Up Your Energy Levels','','inherit','closed','closed','','3279-revision-v1','','','2023-06-30 04:55:06','2023-06-30 04:55:06','',3279,'http://smartinsurance.tips/?p=3280',0,'revision','',0),(3283,1,'2023-06-30 04:58:20','2023-06-30 04:58:20','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/S93Vmye_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most of us have pushed our luck when it comes to stretching out a tank of gas to the point where the dreaded low-fuel light pops on, calculating in our heads how many miles to the next gas station vs. how many miles left on the car’s fuel range. But just how accurate are those distance-to-empty calculators in your 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\">“In-vehicle computers are generally very accurate,” says Ryan Pszczolkowski, Consumer Reports tire-program leader. “The computers are calculating different variables in real time and can detect fuel mixture errors, whether you’re driving aggressively, and how many miles until your tank is empty.” Pszczolkowski adds, “I’ll often calculate mpg and the distance-to-empty, and it’s usually very close to the car’s reading.”</p>\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 most cars, the low-fuel light generally comes on when you have less than 50 miles of fuel range left.&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\">What you need to remember is that even though technology keeps improving, it’s still always better to err on the side of caution when it comes to how much fuel you keep in your tank. You never know when you have to run an unexpected errand or, when traveling, whether a gas station will be available right when you need 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\">Your best bet is to always keep your gas tank no less than ¼ full. During storm season in your area, it would be wise to keep it closer to a half a tank, especially if traveling in a remote location. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And occasionally calculate your miles per gallon to cross-reference against your car’s reading.&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\">To calculate your miles per gallon fill up the car, drive a number of miles, refill the car, and divide the number of miles you drove on your trip computer by the number of gallons of fuel it took to fill the tank. This basic math will give your miles per gallon.</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/cars/cars-driving/how-accurate-are-car-distance-to-empty-calculators-a9313757116/?itm_source=parsely-api\">click here.</a></p>\n<!-- /wp:paragraph -->','How Accurate Are Distance-to-Empty Calculators in Modern Cars?','','publish','closed','closed','','how-accurate-are-distance-to-empty-calculators-in-modern-cars','','','2023-06-30 04:58:20','2023-06-30 04:58:20','',0,'http://smartinsurance.tips/?p=3283',0,'post','',0),(3284,1,'2023-06-30 04:58:20','2023-06-30 04:58:20','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/S93Vmye_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most of us have pushed our luck when it comes to stretching out a tank of gas to the point where the dreaded low-fuel light pops on, calculating in our heads how many miles to the next gas station vs. how many miles left on the car’s fuel range. But just how accurate are those distance-to-empty calculators in your 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\">“In-vehicle computers are generally very accurate,” says Ryan Pszczolkowski, Consumer Reports tire-program leader. “The computers are calculating different variables in real time and can detect fuel mixture errors, whether you’re driving aggressively, and how many miles until your tank is empty.” Pszczolkowski adds, “I’ll often calculate mpg and the distance-to-empty, and it’s usually very close to the car’s reading.”</p>\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 most cars, the low-fuel light generally comes on when you have less than 50 miles of fuel range left.&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\">What you need to remember is that even though technology keeps improving, it’s still always better to err on the side of caution when it comes to how much fuel you keep in your tank. You never know when you have to run an unexpected errand or, when traveling, whether a gas station will be available right when you need 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\">Your best bet is to always keep your gas tank no less than ¼ full. During storm season in your area, it would be wise to keep it closer to a half a tank, especially if traveling in a remote location. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And occasionally calculate your miles per gallon to cross-reference against your car’s reading.&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\">To calculate your miles per gallon fill up the car, drive a number of miles, refill the car, and divide the number of miles you drove on your trip computer by the number of gallons of fuel it took to fill the tank. This basic math will give your miles per gallon.</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/cars/cars-driving/how-accurate-are-car-distance-to-empty-calculators-a9313757116/?itm_source=parsely-api\">click here.</a></p>\n<!-- /wp:paragraph -->','How Accurate Are Distance-to-Empty Calculators in Modern Cars?','','inherit','closed','closed','','3283-revision-v1','','','2023-06-30 04:58:20','2023-06-30 04:58:20','',3283,'http://smartinsurance.tips/?p=3284',0,'revision','',0),(3285,1,'2023-06-30 05:06:39','2023-06-30 05:06:39','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/N19dkp3_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A large investment in a boat deserves equally solid insurance protection. Apart from potential damage to your boat is the specter of a large liability lawsuit against you after a boating accident. And in these litigious times, anyone who appears to have assets can be a prime target for a lawsuit that could drain your resources. Even if insurance is not a requirement in the area where you boat, it’s worth considering.</p>\n<!-- /wp: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 Boat 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\">Similar to auto insurance, boat insurance offers several different coverage types wrapped into one policy. Standard coverage types include:</p>\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>Property damage liability coverage.</strong>&nbsp;This pays for damage that occurs when your boat hits another watercraft or someone’s property. It helps pay to repair or fix other boats if you have an accident, and also for property damage you cause. Suppose you’re pulling into a slip at a neighbor’s dock and you accidentally back into the cleats and mooring poles, causing damage to the dock. In this case, your boat liability insurance can reimburse your neighbor for the repairs needed.</p>\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>Personal injury liability coverage.</strong>&nbsp;This coverage pays for others’ injuries where you’re at fault, including legal fees, court judgments and settlements. Note that a boat insurance policy typically doesn’t cover you if you are hauling your boat. If you hit or injure someone while towing, that coverage may come from your auto policy. Since injury lawsuits can be expensive, it’s good to have an ample amount of liability coverage. A good rule of thumb is to have enough liability insurance to cover what you could lose in a lawsuit against 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\"><strong>Physical damage coverage.</strong>&nbsp;This coverage helps pay to repair damage to your boat resulting from an accident, or replace your boat if it is destroyed by fire, lightning or storms, or if it’s stolen. Whether your vessel is in the water or you’re trailering it across the country, damage can be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some insurance companies give you a choice between actual cash value coverage and replacement cost coverage. With actual cash value coverage, depreciation is factored into the value of your boat if it’s damaged, destroyed or stolen. Instead consider opting for replacement cost coverage in order to get full reimbursement.</p>\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>Medical payment coverage.</strong>&nbsp;This coverage reimburses you for your own minor medical costs if you or your passengers are hurt in a boating collision.</p>\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>Uninsured or underinsured watercraft coverage.</strong>&nbsp;While you hope your fellow boaters carry an appropriate amount of coverage, often some don’t. If an uninsured or underinsured boater hits your vessel, causing you injuries, this coverage can pay for your medical bills.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Optional Boat Insurance 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\">If you use special equipment while on the water, you’ll want to ensure it’s financially protected as well. Many insurance companies will let boat owners add coverage for items such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Trailers</li><li>Fishing equipment</li><li>Other boating accessories</li><li>Personal property brought on board</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\">Also, check to see if your policy covers fuel spills and wreckage removal in case your watercraft gets into an accident out on the water.</p>\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, some insurance companies may offer boaters “waterside” or roadside assistance coverage. If your boat breaks down on the water or you need mechanical labor when you’re stuck at the dock, roadside assistance can provide services to get your boat up and running once again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Boat Insurance by Size</h2>\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 determine coverage needs, insurers often look at the boat’s value, length and engine size, among other characteristics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Small boats. If you own a small boat, for instance a Sunfish sailboat,&nbsp; your homeowners or renters insurance might cover it under the personal property portion of the policy. But check with your agent to see if your home insurance will extend to a small boat.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Boats. Pontoons, skiffs and other boats less than 26 feet long can generally be covered under standard boat insurance policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Yachts or larger boats. &nbsp;Vessels longer than 26 feet in length are generally considered yachts, and many insurance companies offer comprehensive policies for these vessels. There are also companies that specialize in coverage for yachts, including Chubb, Hagerty and Markel.</p>\n<!-- /wp: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 Boat Insurance 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\">Although boat insurance protects your watercraft against a lot of calamities, there are some hazards it generally won’t cover, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Overuse</li><li>Insect or aquatic life damage</li><li>Mold damage</li><li>Ordinary wear and tear</li><li>Watercraft manufacturer defects or faulty design</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Does Boat Insurance Cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The cost of boat insurance depends on many factors, but in general, you can expect to pay 1.5% of the value of your boat for coverage annually. 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>A skiff worth $25,000 may cost $375 a year to insure.</li><li>If you own a motorboat worth $200,000, the cost could be $3,000.</li><li>A 70-foot luxury yacht worth $5 million could cost $75,000 a year to insure.</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 exact cost you pay will depend on factors such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>The characteristics of your boat such as value, length, age, engine type and category</li><li>Location of anchorage and usage</li><li>Boat owner experience level</li><li>Boat insurance claim history</li><li>Safety measures such as whether you have taken a safety course from the U.S. Coast Guard</li><li>Driving history</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\">Depending on the offerings of your insurance provider, you might be able to qualify for boat insurance discounts. Buying multiple insurance policies from one insurer, called bundling, can net you a price break. Many car insurance companies have bundling discounts for boats and autos. Some other discounts can 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>Claims-free insurance history</li><li>Completing eligible boat safety courses</li><li>Owning a diesel-powered vessel</li><li>Having fire extinguishers approved by the U.S. Coast Guard on board</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\">Word of Caution: Don’t Operate A Vessel Under the Influence</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Boat owners beware—operating a boat under the influence can come with severe consequences. Drinking alcohol or taking drugs while operating a boat can put a big dent in your wallet, result in jail time, lead to revocation of your driving privileges or, worse, lead to a fatal accident. In fact the leading cause of fatal boat collisions is alcohol consumption while driving, according to the&nbsp;US Department of Homeland Security and the US Coast Guard.</p>\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 though operating a boat under the influence is illegal in all states and can lead to legal and financial ramifications, it can also impact your insurance. In some cases, your insurance provider may refuse to pay out a boat damage claim if you were operating a vessel under the influence. While the insurer may pay a liability claim, if there was one, not being reimbursed for damage to your own boat will leave you financially responsible for repairs or replacement. Plus, if your accident resulted from the use of alcohol or drugs, your insurer may decide to terminate your 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\">Even if you don’t get into an accident but are convicted of a BUI, your insurance rate will likely increase substantially. Your insurance company could also cancel coverage. While you can request insurance quotes from other providers, you may end up paying a lot more than you bargained 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\">Is Boat Insurance Required by Law?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Certain states have boat insurance requirements. And if you financed your boat with a loan or park it in a slip, your lender or marina will likely require proof of coverage. But even if you bought your boat outright and your state doesn’t require insurance, it’s smart to protect yourself, your passengers and your vessel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Suppose you’re in an accident, injuring the passengers in another boat. If you’re financially responsible for all repairs and injuries, it can end up costing you a small fortune.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To safeguard against financial ruin, buying boat insurance is always a good idea.</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://robbreport.com/lifestyle/finance/boat-insurance-1234642910/\">click here.</a></p>\n<!-- /wp:paragraph -->','Here’s Why You Need Boat Insurance','','publish','closed','closed','','heres-why-you-need-boat-insurance','','','2023-07-02 01:14:45','2023-07-02 01:14:45','',0,'http://smartinsurance.tips/?p=3285',0,'post','',0),(3312,1,'2023-07-02 01:14:45','2023-07-02 01:14:45','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/N19dkp3_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A large investment in a boat deserves equally solid insurance protection. Apart from potential damage to your boat is the specter of a large liability lawsuit against you after a boating accident. And in these litigious times, anyone who appears to have assets can be a prime target for a lawsuit that could drain your resources. Even if insurance is not a requirement in the area where you boat, it’s worth considering.</p>\n<!-- /wp: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 Boat 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\">Similar to auto insurance, boat insurance offers several different coverage types wrapped into one policy. Standard coverage types include:</p>\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>Property damage liability coverage.</strong>&nbsp;This pays for damage that occurs when your boat hits another watercraft or someone’s property. It helps pay to repair or fix other boats if you have an accident, and also for property damage you cause. Suppose you’re pulling into a slip at a neighbor’s dock and you accidentally back into the cleats and mooring poles, causing damage to the dock. In this case, your boat liability insurance can reimburse your neighbor for the repairs needed.</p>\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>Personal injury liability coverage.</strong>&nbsp;This coverage pays for others’ injuries where you’re at fault, including legal fees, court judgments and settlements. Note that a boat insurance policy typically doesn’t cover you if you are hauling your boat. If you hit or injure someone while towing, that coverage may come from your auto policy. Since injury lawsuits can be expensive, it’s good to have an ample amount of liability coverage. A good rule of thumb is to have enough liability insurance to cover what you could lose in a lawsuit against 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\"><strong>Physical damage coverage.</strong>&nbsp;This coverage helps pay to repair damage to your boat resulting from an accident, or replace your boat if it is destroyed by fire, lightning or storms, or if it’s stolen. Whether your vessel is in the water or you’re trailering it across the country, damage can be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some insurance companies give you a choice between actual cash value coverage and replacement cost coverage. With actual cash value coverage, depreciation is factored into the value of your boat if it’s damaged, destroyed or stolen. Instead consider opting for replacement cost coverage in order to get full reimbursement.</p>\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>Medical payment coverage.</strong>&nbsp;This coverage reimburses you for your own minor medical costs if you or your passengers are hurt in a boating collision.</p>\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>Uninsured or underinsured watercraft coverage.</strong>&nbsp;While you hope your fellow boaters carry an appropriate amount of coverage, often some don’t. If an uninsured or underinsured boater hits your vessel, causing you injuries, this coverage can pay for your medical bills.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Optional Boat Insurance 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\">If you use special equipment while on the water, you’ll want to ensure it’s financially protected as well. Many insurance companies will let boat owners add coverage for items such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Trailers</li><li>Fishing equipment</li><li>Other boating accessories</li><li>Personal property brought on board</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\">Also, check to see if your policy covers fuel spills and wreckage removal in case your watercraft gets into an accident out on the water.</p>\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, some insurance companies may offer boaters “waterside” or roadside assistance coverage. If your boat breaks down on the water or you need mechanical labor when you’re stuck at the dock, roadside assistance can provide services to get your boat up and running once again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Boat Insurance by Size</h2>\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 determine coverage needs, insurers often look at the boat’s value, length and engine size, among other characteristics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Small boats. If you own a small boat, for instance a Sunfish sailboat,&nbsp; your homeowners or renters insurance might cover it under the personal property portion of the policy. But check with your agent to see if your home insurance will extend to a small boat.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Boats. Pontoons, skiffs and other boats less than 26 feet long can generally be covered under standard boat insurance policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Yachts or larger boats. &nbsp;Vessels longer than 26 feet in length are generally considered yachts, and many insurance companies offer comprehensive policies for these vessels. There are also companies that specialize in coverage for yachts, including Chubb, Hagerty and Markel.</p>\n<!-- /wp: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 Boat Insurance 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\">Although boat insurance protects your watercraft against a lot of calamities, there are some hazards it generally won’t cover, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Overuse</li><li>Insect or aquatic life damage</li><li>Mold damage</li><li>Ordinary wear and tear</li><li>Watercraft manufacturer defects or faulty design</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Does Boat Insurance Cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The cost of boat insurance depends on many factors, but in general, you can expect to pay 1.5% of the value of your boat for coverage annually. 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>A skiff worth $25,000 may cost $375 a year to insure.</li><li>If you own a motorboat worth $200,000, the cost could be $3,000.</li><li>A 70-foot luxury yacht worth $5 million could cost $75,000 a year to insure.</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 exact cost you pay will depend on factors such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>The characteristics of your boat such as value, length, age, engine type and category</li><li>Location of anchorage and usage</li><li>Boat owner experience level</li><li>Boat insurance claim history</li><li>Safety measures such as whether you have taken a safety course from the U.S. Coast Guard</li><li>Driving history</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\">Depending on the offerings of your insurance provider, you might be able to qualify for boat insurance discounts. Buying multiple insurance policies from one insurer, called bundling, can net you a price break. Many car insurance companies have bundling discounts for boats and autos. Some other discounts can 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>Claims-free insurance history</li><li>Completing eligible boat safety courses</li><li>Owning a diesel-powered vessel</li><li>Having fire extinguishers approved by the U.S. Coast Guard on board</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\">Word of Caution: Don’t Operate A Vessel Under the Influence</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Boat owners beware—operating a boat under the influence can come with severe consequences. Drinking alcohol or taking drugs while operating a boat can put a big dent in your wallet, result in jail time, lead to revocation of your driving privileges or, worse, lead to a fatal accident. In fact the leading cause of fatal boat collisions is alcohol consumption while driving, according to the&nbsp;US Department of Homeland Security and the US Coast Guard.</p>\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 though operating a boat under the influence is illegal in all states and can lead to legal and financial ramifications, it can also impact your insurance. In some cases, your insurance provider may refuse to pay out a boat damage claim if you were operating a vessel under the influence. While the insurer may pay a liability claim, if there was one, not being reimbursed for damage to your own boat will leave you financially responsible for repairs or replacement. Plus, if your accident resulted from the use of alcohol or drugs, your insurer may decide to terminate your 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\">Even if you don’t get into an accident but are convicted of a BUI, your insurance rate will likely increase substantially. Your insurance company could also cancel coverage. While you can request insurance quotes from other providers, you may end up paying a lot more than you bargained 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\">Is Boat Insurance Required by Law?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Certain states have boat insurance requirements. And if you financed your boat with a loan or park it in a slip, your lender or marina will likely require proof of coverage. But even if you bought your boat outright and your state doesn’t require insurance, it’s smart to protect yourself, your passengers and your vessel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Suppose you’re in an accident, injuring the passengers in another boat. If you’re financially responsible for all repairs and injuries, it can end up costing you a small fortune.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To safeguard against financial ruin, buying boat insurance is always a good idea.</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://robbreport.com/lifestyle/finance/boat-insurance-1234642910/\">click here.</a></p>\n<!-- /wp:paragraph -->','Here’s Why You Need Boat Insurance','','inherit','closed','closed','','3285-revision-v1','','','2023-07-02 01:14:45','2023-07-02 01:14:45','',3285,'http://smartinsurance.tips/?p=3312',0,'revision','',0),(3286,1,'2023-06-30 05:06:39','2023-06-30 05:06:39','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/N19dkp3_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>We may receive payment from affiliate links included within this content. Our affiliate partners do not influence our editorial opinions or analysis. To learn more, see our Advertiser Disclosure.</em></p>\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 large investment in a boat deserves equally solid insurance protection. Apart from potential damage to your boat is the specter of a large liability lawsuit against you after a boating accident. And in these litigious times, anyone who appears to have assets can be a prime target for a lawsuit that could drain your resources. Even if insurance is not a requirement in the area where you boat, it’s worth considering.</p>\n<!-- /wp: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 Boat 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\">Similar to auto insurance, boat insurance offers several different coverage types wrapped into one policy. Standard coverage types include:</p>\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>Property damage liability coverage.</strong> This pays for damage that occurs when your boat hits another watercraft or someone’s property. It helps pay to repair or fix other boats if you have an accident, and also for property damage you cause. Suppose you’re pulling into a slip at a neighbor’s dock and you accidentally back into the cleats and mooring poles, causing damage to the dock. In this case, your boat liability insurance can reimburse your neighbor for the repairs needed.</p>\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>Personal injury liability coverage.</strong>&nbsp;This coverage pays for others’ injuries where you’re at fault, including legal fees, court judgments and settlements. Note that a boat insurance policy typically doesn’t cover you if you are hauling your boat. If you hit or injure someone while towing, that coverage may come from your auto policy. Since injury lawsuits can be expensive, it’s good to have an ample amount of liability coverage. A good rule of thumb is to have enough liability insurance to cover what you could lose in a lawsuit against 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\"><strong>Physical damage coverage.</strong>&nbsp;This coverage helps pay to repair damage to your boat resulting from an accident, or replace your boat if it is destroyed by fire, lightning or storms, or if it’s stolen. Whether your vessel is in the water or you’re trailering it across the country, damage can be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some insurance companies give you a choice between actual cash value coverage and replacement cost coverage. With actual cash value coverage, depreciation is factored into the value of your boat if it’s damaged, destroyed or stolen. Instead consider opting for replacement cost coverage in order to get full reimbursement.</p>\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>Medical payment coverage.</strong>&nbsp;This coverage reimburses you for your own minor medical costs if you or your passengers are hurt in a boating collision.</p>\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>Uninsured or underinsured watercraft coverage.</strong>&nbsp;While you hope your fellow boaters carry an appropriate amount of coverage, often some don’t. If an uninsured or underinsured boater hits your vessel, causing you injuries, this coverage can pay for your medical bills.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Optional Boat Insurance 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\">If you use special equipment while on the water, you’ll want to ensure it’s financially protected as well. Many insurance companies will let boat owners add coverage for items such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Trailers</li><li>Fishing equipment</li><li>Other boating accessories</li><li>Personal property brought on board</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\">Also, check to see if your policy covers fuel spills and wreckage removal in case your watercraft gets into an accident out on the water.</p>\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, some insurance companies may offer boaters “waterside” or roadside assistance coverage. If your boat breaks down on the water or you need mechanical labor when you’re stuck at the dock, roadside assistance can provide services to get your boat up and running once again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Boat Insurance by Size</h2>\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 determine coverage needs, insurers often look at the boat’s value, length and engine size, among other characteristics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Small boats. If you own a small boat, for instance a Sunfish sailboat,&nbsp; your homeowners or renters insurance might cover it under the personal property portion of the policy. But check with your agent to see if your home insurance will extend to a small boat.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Boats. Pontoons, skiffs and other boats less than 26 feet long can generally be covered under standard boat insurance policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Yachts or larger boats. &nbsp;Vessels longer than 26 feet in length are generally considered yachts, and many insurance companies offer comprehensive policies for these vessels. There are also companies that specialize in coverage for yachts, including Chubb, Hagerty and Markel.</p>\n<!-- /wp: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 Boat Insurance 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\">Although boat insurance protects your watercraft against a lot of calamities, there are some hazards it generally won’t cover, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Overuse</li><li>Insect or aquatic life damage</li><li>Mold damage</li><li>Ordinary wear and tear</li><li>Watercraft manufacturer defects or faulty design</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Does Boat Insurance Cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The cost of boat insurance depends on many factors, but in general, you can expect to pay 1.5% of the value of your boat for coverage annually. 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>A skiff worth $25,000 may cost $375 a year to insure.</li><li>If you own a motorboat worth $200,000, the cost could be $3,000.</li><li>A 70-foot luxury yacht worth $5 million could cost $75,000 a year to insure.</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 exact cost you pay will depend on factors such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>The characteristics of your boat such as value, length, age, engine type and category</li><li>Location of anchorage and usage</li><li>Boat owner experience level</li><li>Boat insurance claim history</li><li>Safety measures such as whether you have taken a safety course from the U.S. Coast Guard</li><li>Driving history</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\">Depending on the offerings of your insurance provider, you might be able to qualify for boat insurance discounts. Buying multiple insurance policies from one insurer, called bundling, can net you a price break. Many car insurance companies have bundling discounts for boats and autos. Some other discounts can 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>Claims-free insurance history</li><li>Completing eligible boat safety courses</li><li>Owning a diesel-powered vessel</li><li>Having fire extinguishers approved by the U.S. Coast Guard on board</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\">Word of Caution: Don’t Operate A Vessel Under the Influence</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Boat owners beware—operating a boat under the influence can come with severe consequences. Drinking alcohol or taking drugs while operating a boat can put a big dent in your wallet, result in jail time, lead to revocation of your driving privileges or, worse, lead to a fatal accident. In fact the leading cause of fatal boat collisions is alcohol consumption while driving, according to the US Department of Homeland Security and the US Coast Guard.</p>\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 though operating a boat under the influence is illegal in all states and can lead to legal and financial ramifications, it can also impact your insurance. In some cases, your insurance provider may refuse to pay out a boat damage claim if you were operating a vessel under the influence. While the insurer may pay a liability claim, if there was one, not being reimbursed for damage to your own boat will leave you financially responsible for repairs or replacement. Plus, if your accident resulted from the use of alcohol or drugs, your insurer may decide to terminate your 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\">Even if you don’t get into an accident but are convicted of a BUI, your insurance rate will likely increase substantially. Your insurance company could also cancel coverage. While you can request insurance quotes from other providers, you may end up paying a lot more than you bargained 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\">Is Boat Insurance Required by Law?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Certain states have boat insurance requirements. And if you financed your boat with a loan or park it in a slip, your lender or marina will likely require proof of coverage. But even if you bought your boat outright and your state doesn’t require insurance, it’s smart to protect yourself, your passengers and your vessel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Suppose you’re in an accident, injuring the passengers in another boat. If you’re financially responsible for all repairs and injuries, it can end up costing you a small fortune.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To safeguard against financial ruin, buying boat insurance is always a good idea.</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://robbreport.com/lifestyle/finance/boat-insurance-1234642910/\">click here.</a></p>\n<!-- /wp:paragraph -->','Here’s Why You Need Boat Insurance','','inherit','closed','closed','','3285-revision-v1','','','2023-06-30 05:06:39','2023-06-30 05:06:39','',3285,'http://smartinsurance.tips/?p=3286',0,'revision','',0),(3287,1,'2023-06-30 05:17:02','2023-06-30 05:17:02','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2020/08/rv_road_trip_jpg_Izj12-co-e1600162213685.jpg\" alt=\"What Is RV Insurance? Cost And Coverage Explained\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A motorized RV serves a dual purpose: Transportation and lodging. RV owners must decide not only how to deck out their new vehicles but also how to insure 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\">Just as with cars, you can’t take a one-size-fits-all approach to insurance for RVs.</p>\n<!-- /wp: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 RV 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\">RV insurance covers financial losses when your RV is involved in an incident that causes injuries or property damage. Here are two types of RV insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Compare Auto Insurance Rates</h3>\n<!-- /wp:heading -->\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\">Full-time RV insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Full-time RV insurance is for people who use their RV as a permanent residence. This means living in a motorhome or travel trailer for at least six months out of the year. Full-time coverage typically provides:</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>Comprehensive coverage and collision coverage for your RV. This coverage, which often goes together, helps pay to repair or replace your vehicle if it’s stolen or damaged due to a problem like a car accident, fire, flood, falling objects, hail and vandalism.</li><li>Personal liability protection covers you for property damage and bodily injuries you accidentally cause to others.</li><li>Medical payments coverage to help pay for injuries that happen near or in your RV.</li><li>Loss assessment coverage helps pay association fees if you’re parked in a location with an association that needs to make repairs to common areas.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Part-time RV insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Part-time RV insurance, also called recreational RV insurance, is for people who don’t use an RV as their permanent residence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This coverage includes vacation liability coverage that helps with injuries and damages in or around your RV for short trips. You can also purchase additional optional coverage that’s found in full-time RV 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\">Is RV Insurance 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\">If your RV is a motorhome—essentially a portable place to live that’s equipped with a steering wheel—you’re required to buy coverage in every state except New Hampshire and Virginia. Those two states also do not mandate coverage for vehicles, although buying auto insurance is still a good idea in these states.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re able to tow your RV behind your car using a towable camper or a trailer, you may not need separate RV insurance coverage. In this situation, your car insurance policy may also provide coverage for the RV, and you may be able to find cheaper car insurance options that include RV coverage. Additional coverage is available solely for towable RVs, though.When you finance the purchase of a motorhome, the lender typically requires liability insurance and comprehensive and collision 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\">Keep in mind that when you finance the purchase of a motorhome, the lender typically requires liability auto insurance and comprehensive and collision coverage, according to Gigi Stetler, founder and CEO of South Florida’s RV Sales of Broward.</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\">Is insurance required if I’m renting the RV?</h3>\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’re required to buy liability insurance in nearly all states if you’re driving the RV, but it’s wise to get more than the minimum mandated coverage. Going solely with liability coverage won’t protect your vehicle in a crash or if the RV is stolen. You need collision coverage to help pay for repairs caused by accidents and comprehensive coverage helps for other types of damage and theft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Car insurance policies may include driving-related coverage for renting an RV. Check with your insurance company to see if your policy provides that protection or if you need to get additional coverage for the RV.</p>\n<!-- /wp: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 RV 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\">RV insurance generally mirrors the coverage types you can buy on your car.</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>Liability insurance</strong>&nbsp;pays others when you cause injuries or property damage. It also covers your legal defense if you’re sued.</li><li><strong>Comprehensive coverage</strong>&nbsp;pays for vehicle theft or from damage related to weather, fire, vandalism, falling objects and wild animals.</li><li><strong>Collision coverage</strong>&nbsp;pays for damage to your vehicle caused by a vehicle crash or a run-in with an object like a tree or utility pole.</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\">Even if you’re not required to get insurance for an RV, it’s good to have it. Insurance protects your finances if you’re sued over an accident, and coverage such as personal injury protection pays for injuries to yourself and your passengers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Optional coverage for RVs 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><strong>Total loss replacement coverage</strong>, which pays to replace your RV with a similar make and model if it’s totaled.</li><li><strong>Actual cash value coverage</strong>, which offers the replacement value minus depreciation.</li><li><strong>Coverage of injuries</strong>&nbsp;caused by uninsured and underinsured motorists.</li><li><strong>Campsite and vacation coverage</strong>, which pays for injuries or damage you cause to other people or their property when you’re using your RV for leisure travel.</li><li><strong>Emergency expenses</strong>. For example, you might be reimbursed for a hotel stay if your RV is seriously damaged in a crash.</li><li><strong>Accessories coverage</strong>&nbsp;for awnings, satellite dishes and other items.</li><li><strong>“Full-timer coverage”</strong>&nbsp;if you use an RV as a full-time residence.</li><li><strong>Roadside assistance</strong>, such as towing and jump-starts.</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\">Roadside assistance is one of the most popular add-ons for RV insurance, according to Paige Bouma, a spokesperson for Trader Interactive, an online marketplace for new and used RVs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“RVers find it comforting to know they have 24/7 access to experts who can come and help them should any issues arise,” Bouma says. “Many people forget that driving an RV is not exactly like operating a car. On some RVs, changing a tire is more like changing an 18-wheeler tire than one on your SUV.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Stetler says some RV owners wrongly assume that standard RV insurance covers roadside assistance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“If the problem involves your RV’s maintenance, like a dead battery or running out of gas, your insurance company won’t dirty their hands with you, which is why you may want to consider a roadside assistance plan,” Stetler says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Does RV 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\"><strong>The average cost of RV insurance is $1,500 a year</strong>, according to Trusted Choice, a group for independent insurance agents. Part-time RV insurance can cost as little as $200 per year while full-time RV insurance can cost as much as $3,000 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\">The cost of RV insurance varies. Bouma says it depends on factors like:</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>Whether the RV is new or used</li><li>Where you live</li><li>Whether you’re using the RV for road trips or as a residence-on-the-road</li><li>What type of RV you own</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\">When you’re buying RV insurance, an insurer will take into consideration which class your RV falls into: A, B or C. Class A encompasses the biggest motorized RVs (which look like tour buses), Class B comprises the smallest motorized RVs (around the size of a van) and Class C sits between 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\">“If your insurance agent has the ability to add an RV to your personal auto insurance, it is typically less expensive than purchasing a special RV policy,” says Melanie Arnold, new business manager at Evans Ewan &amp; Brady Insurance Agency in Georgetown, Texas. “However, the coverage for the RV would be more basic and less specialized than if you do purchase a special RV 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\">The annual insurance premium for an RV can range from less than $200 to more than $2,000, according to Arnold. As with auto insurance, RV insurance has a deductible, which is the amount of money (like $500 or $1,000) subtracted from a claim payout if you make a comprehensive or collision 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\">Bouma points out that an insurer might offer discounts for RV insurance, such as rewarding you for maintaining a clean driving record or for holding another policy with the same insurer (known as bundling).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">RV Insurance Discounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Discounts that may be available with RV 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>Bundling policies:</strong> Buying multiple types of insurance from the same company can save money. That may include bundling auto insurance with home insurance, renters insurance or condo insurance.</li><li><strong>Good driver:</strong> If you have no accidents on your recent driving record, you could be eligible for a good driver discount.</li><li><strong>Pay in full:</strong> Paying off your insurance bill in one lump sum can get you a discount.</li><li><strong>RV association:</strong> You may qualify for a discount if you belong to an RV association.</li><li><strong>RV safety course:</strong> Insurers may reduce your cost if you complete an RV safety course.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/rv-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->','RV Insurance For Road Trips','','publish','closed','closed','','rv-insurance-for-road-trips','','','2023-06-30 05:17:02','2023-06-30 05:17:02','',0,'http://smartinsurance.tips/?p=3287',0,'post','',0),(3288,1,'2023-06-30 05:17:02','2023-06-30 05:17:02','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2020/08/rv_road_trip_jpg_Izj12-co-e1600162213685.jpg\" alt=\"What Is RV Insurance? Cost And Coverage Explained\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A motorized RV serves a dual purpose: Transportation and lodging. RV owners must decide not only how to deck out their new vehicles but also how to insure 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\">Just as with cars, you can’t take a one-size-fits-all approach to insurance for RVs.</p>\n<!-- /wp: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 RV 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\">RV insurance covers financial losses when your RV is involved in an incident that causes injuries or property damage. Here are two types of RV insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Compare Auto Insurance Rates</h3>\n<!-- /wp:heading -->\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\">Full-time RV insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Full-time RV insurance is for people who use their RV as a permanent residence. This means living in a motorhome or travel trailer for at least six months out of the year. Full-time coverage typically provides:</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>Comprehensive coverage and collision coverage for your RV. This coverage, which often goes together, helps pay to repair or replace your vehicle if it’s stolen or damaged due to a problem like a car accident, fire, flood, falling objects, hail and vandalism.</li><li>Personal liability protection covers you for property damage and bodily injuries you accidentally cause to others.</li><li>Medical payments coverage to help pay for injuries that happen near or in your RV.</li><li>Loss assessment coverage helps pay association fees if you’re parked in a location with an association that needs to make repairs to common areas.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Part-time RV insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Part-time RV insurance, also called recreational RV insurance, is for people who don’t use an RV as their permanent residence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This coverage includes vacation liability coverage that helps with injuries and damages in or around your RV for short trips. You can also purchase additional optional coverage that’s found in full-time RV 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\">Is RV Insurance 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\">If your RV is a motorhome—essentially a portable place to live that’s equipped with a steering wheel—you’re required to buy coverage in every state except New Hampshire and Virginia. Those two states also do not mandate coverage for vehicles, although buying auto insurance is still a good idea in these states.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re able to tow your RV behind your car using a towable camper or a trailer, you may not need separate RV insurance coverage. In this situation, your car insurance policy may also provide coverage for the RV, and you may be able to find cheaper car insurance options that include RV coverage. Additional coverage is available solely for towable RVs, though.When you finance the purchase of a motorhome, the lender typically requires liability insurance and comprehensive and collision 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\">Keep in mind that when you finance the purchase of a motorhome, the lender typically requires liability auto insurance and comprehensive and collision coverage, according to Gigi Stetler, founder and CEO of South Florida’s RV Sales of Broward.</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\">Is insurance required if I’m renting the RV?</h3>\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’re required to buy liability insurance in nearly all states if you’re driving the RV, but it’s wise to get more than the minimum mandated coverage. Going solely with liability coverage won’t protect your vehicle in a crash or if the RV is stolen. You need collision coverage to help pay for repairs caused by accidents and comprehensive coverage helps for other types of damage and theft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Car insurance policies may include driving-related coverage for renting an RV. Check with your insurance company to see if your policy provides that protection or if you need to get additional coverage for the RV.</p>\n<!-- /wp: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 RV 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\">RV insurance generally mirrors the coverage types you can buy on your car.</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>Liability insurance</strong>&nbsp;pays others when you cause injuries or property damage. It also covers your legal defense if you’re sued.</li><li><strong>Comprehensive coverage</strong>&nbsp;pays for vehicle theft or from damage related to weather, fire, vandalism, falling objects and wild animals.</li><li><strong>Collision coverage</strong>&nbsp;pays for damage to your vehicle caused by a vehicle crash or a run-in with an object like a tree or utility pole.</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\">Even if you’re not required to get insurance for an RV, it’s good to have it. Insurance protects your finances if you’re sued over an accident, and coverage such as personal injury protection pays for injuries to yourself and your passengers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Optional coverage for RVs 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><strong>Total loss replacement coverage</strong>, which pays to replace your RV with a similar make and model if it’s totaled.</li><li><strong>Actual cash value coverage</strong>, which offers the replacement value minus depreciation.</li><li><strong>Coverage of injuries</strong>&nbsp;caused by uninsured and underinsured motorists.</li><li><strong>Campsite and vacation coverage</strong>, which pays for injuries or damage you cause to other people or their property when you’re using your RV for leisure travel.</li><li><strong>Emergency expenses</strong>. For example, you might be reimbursed for a hotel stay if your RV is seriously damaged in a crash.</li><li><strong>Accessories coverage</strong>&nbsp;for awnings, satellite dishes and other items.</li><li><strong>“Full-timer coverage”</strong>&nbsp;if you use an RV as a full-time residence.</li><li><strong>Roadside assistance</strong>, such as towing and jump-starts.</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\">Roadside assistance is one of the most popular add-ons for RV insurance, according to Paige Bouma, a spokesperson for Trader Interactive, an online marketplace for new and used RVs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“RVers find it comforting to know they have 24/7 access to experts who can come and help them should any issues arise,” Bouma says. “Many people forget that driving an RV is not exactly like operating a car. On some RVs, changing a tire is more like changing an 18-wheeler tire than one on your SUV.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Stetler says some RV owners wrongly assume that standard RV insurance covers roadside assistance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“If the problem involves your RV’s maintenance, like a dead battery or running out of gas, your insurance company won’t dirty their hands with you, which is why you may want to consider a roadside assistance plan,” Stetler says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Does RV 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\"><strong>The average cost of RV insurance is $1,500 a year</strong>, according to Trusted Choice, a group for independent insurance agents. Part-time RV insurance can cost as little as $200 per year while full-time RV insurance can cost as much as $3,000 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\">The cost of RV insurance varies. Bouma says it depends on factors like:</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>Whether the RV is new or used</li><li>Where you live</li><li>Whether you’re using the RV for road trips or as a residence-on-the-road</li><li>What type of RV you own</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\">When you’re buying RV insurance, an insurer will take into consideration which class your RV falls into: A, B or C. Class A encompasses the biggest motorized RVs (which look like tour buses), Class B comprises the smallest motorized RVs (around the size of a van) and Class C sits between 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\">“If your insurance agent has the ability to add an RV to your personal auto insurance, it is typically less expensive than purchasing a special RV policy,” says Melanie Arnold, new business manager at Evans Ewan &amp; Brady Insurance Agency in Georgetown, Texas. “However, the coverage for the RV would be more basic and less specialized than if you do purchase a special RV 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\">The annual insurance premium for an RV can range from less than $200 to more than $2,000, according to Arnold. As with auto insurance, RV insurance has a deductible, which is the amount of money (like $500 or $1,000) subtracted from a claim payout if you make a comprehensive or collision 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\">Bouma points out that an insurer might offer discounts for RV insurance, such as rewarding you for maintaining a clean driving record or for holding another policy with the same insurer (known as bundling).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">RV Insurance Discounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Discounts that may be available with RV 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>Bundling policies:</strong> Buying multiple types of insurance from the same company can save money. That may include bundling auto insurance with home insurance, renters insurance or condo insurance.</li><li><strong>Good driver:</strong> If you have no accidents on your recent driving record, you could be eligible for a good driver discount.</li><li><strong>Pay in full:</strong> Paying off your insurance bill in one lump sum can get you a discount.</li><li><strong>RV association:</strong> You may qualify for a discount if you belong to an RV association.</li><li><strong>RV safety course:</strong> Insurers may reduce your cost if you complete an RV safety course.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/rv-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->','RV Insurance For Road Trips','','inherit','closed','closed','','3287-revision-v1','','','2023-06-30 05:17:02','2023-06-30 05:17:02','',3287,'http://smartinsurance.tips/?p=3288',0,'revision','',0),(3289,1,'2023-06-30 05:20:43','2023-06-30 05:20:43','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://assets2.cbsnewsstatic.com/hub/i/r/2023/04/12/d7acf2ff-c62e-4b41-9951-9c4b66b1594e/thumbnail/620x413/107af1e4f861f50a4653cf3a031b6f84/gettyimages-673125601.jpg?v=f3503a7856c58c20acab4eae8bb1f0f4#\" alt=\"gettyimages-673125601.jpg \"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Warmer weather and sunnier days have millions of adults spending more time outside. They could also prompt many travelers to finalize their summer vacation plans (if they haven\'t already done so). There\'s more to planning a summer trip than booking a hotel and a flight, however. To limit any potential money lost from a canceled or abbreviated trip, planners should also put a travel insurance policy in 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\">Travel insurance is a worthwhile addition to your summer vacation plans and it doesn\'t need to break the bank, either. Costs usually range from 5% to 10% of your total trip price. But why would you want to add another expense into the mix at all, if you can avoid it? There are actually multiple reasons why you should add travel insurance for your summer vacation, three of which we will explore in this article.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Why you should add travel insurance for your summer trip</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\">Here are three reasons why you should pack a travel insurance policy along with your suntan lotion and bathing suits this summer.</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\"><strong>Travel insurance can save you money</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\">Travel insurance can potentially save you hundreds if not thousands of dollars that you otherwise would get stuck paying if your trip is canceled or cut short. Remember: Inflation hasn\'t just affected food prices and the cost of veterinary care. It\'s also made traveling much more expensive. Costs for flights, hotels and rental cars may have been high last year but there\'s no sign that they will drop significantly in 2023. In this economic climate, you\'ll want to make sure you\'re covered should something go wrong.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are multiple types to choose from, ranging from \"cancel for any reason\" to \"trip cancellation\" to \"emergency medical\" and more. Depending on the plan you choose and the reason for canceling, you may be eligible for full, 100% reimbursement.</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\"><strong>Travel insurance can protect against medical emergencies</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 pandemic has made millions of adults more aware of medical emergencies and sicknesses. And while the height of the pandemic has passed, there are still times when people will fall ill, jeopardizing or completely canceling the best-laid plans. Fortunately, travel insurance can protect against medical emergencies.&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\">\"Emergency Medical can reimburse the costs to treat a medical emergency during a trip,\" travel insurance marketplace Squaremouth explains. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"Emergency Medical insurance covers the cost of treating an unexpected illness or injury that occurs while traveling. Covered expenses under the Emergency Medical benefit typically include ambulance services, hospital and doctor bills, emergency dental services, and x-rays or lab costs.\"</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\"><strong>Travel insurance can help with trip interruption</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\">Let\'s say you get on a plane, land, get to your hotel and then run into an issue within the first day or so. What happens then? Fortunately, travel insurance provides a solution for trip interruption.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"Trip Interruption provides reimbursement for prepaid and non-refundable trip payments if a portion of a trip is missed, or the traveler must return home early due to unforeseen circumstances, including illness, injury, or death,\" Squaremouth notes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"Trip Interruption is a post-departure benefit that can reimburse a traveler\'s unused trip costs if they need to interrupt their trip for a covered reason. The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.\"</p>\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\'s not pleasant to think about issues you may run into once you\'ve arrived at your destination, it\'s still preferable to getting stuck with a hefty bill when you can\'t see your vacation through. So explore your trip interruption travel insurance options here now to get protected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>The bottom line</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\">Travel insurance can be a valuable protection to have during all of your trips in the year. It\'s especially valuable for your summer 2023 plans amid higher costs for expenses like hotels and flights. In addition to potentially saving you money, travel insurance can also help protect against medical emergencies and illnesses and, if your trip should get cut short once you\'ve arrived at your destination, you\'ll be protected with a trip interruption policy, too. </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.cbsnews.com/news/why-you-should-add-travel-insurance-for-your-summer-trip/\">click here.</a></p>\n<!-- /wp:paragraph -->','Why you should add travel insurance for your summer trip','','publish','closed','closed','','why-you-should-add-travel-insurance-for-your-summer-trip','','','2023-06-30 05:20:43','2023-06-30 05:20:43','',0,'http://smartinsurance.tips/?p=3289',0,'post','',0),(3290,1,'2023-06-30 05:20:43','2023-06-30 05:20:43','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://assets2.cbsnewsstatic.com/hub/i/r/2023/04/12/d7acf2ff-c62e-4b41-9951-9c4b66b1594e/thumbnail/620x413/107af1e4f861f50a4653cf3a031b6f84/gettyimages-673125601.jpg?v=f3503a7856c58c20acab4eae8bb1f0f4#\" alt=\"gettyimages-673125601.jpg \"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Warmer weather and sunnier days have millions of adults spending more time outside. They could also prompt many travelers to finalize their summer vacation plans (if they haven\'t already done so). There\'s more to planning a summer trip than booking a hotel and a flight, however. To limit any potential money lost from a canceled or abbreviated trip, planners should also put a travel insurance policy in 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\">Travel insurance is a worthwhile addition to your summer vacation plans and it doesn\'t need to break the bank, either. Costs usually range from 5% to 10% of your total trip price. But why would you want to add another expense into the mix at all, if you can avoid it? There are actually multiple reasons why you should add travel insurance for your summer vacation, three of which we will explore in this article.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Why you should add travel insurance for your summer trip</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\">Here are three reasons why you should pack a travel insurance policy along with your suntan lotion and bathing suits this summer.</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\"><strong>Travel insurance can save you money</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\">Travel insurance can potentially save you hundreds if not thousands of dollars that you otherwise would get stuck paying if your trip is canceled or cut short. Remember: Inflation hasn\'t just affected food prices and the cost of veterinary care. It\'s also made traveling much more expensive. Costs for flights, hotels and rental cars may have been high last year but there\'s no sign that they will drop significantly in 2023. In this economic climate, you\'ll want to make sure you\'re covered should something go wrong.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are multiple types to choose from, ranging from \"cancel for any reason\" to \"trip cancellation\" to \"emergency medical\" and more. Depending on the plan you choose and the reason for canceling, you may be eligible for full, 100% reimbursement.</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\"><strong>Travel insurance can protect against medical emergencies</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 pandemic has made millions of adults more aware of medical emergencies and sicknesses. And while the height of the pandemic has passed, there are still times when people will fall ill, jeopardizing or completely canceling the best-laid plans. Fortunately, travel insurance can protect against medical emergencies.&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\">\"Emergency Medical can reimburse the costs to treat a medical emergency during a trip,\" travel insurance marketplace Squaremouth explains. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"Emergency Medical insurance covers the cost of treating an unexpected illness or injury that occurs while traveling. Covered expenses under the Emergency Medical benefit typically include ambulance services, hospital and doctor bills, emergency dental services, and x-rays or lab costs.\"</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\"><strong>Travel insurance can help with trip interruption</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\">Let\'s say you get on a plane, land, get to your hotel and then run into an issue within the first day or so. What happens then? Fortunately, travel insurance provides a solution for trip interruption.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"Trip Interruption provides reimbursement for prepaid and non-refundable trip payments if a portion of a trip is missed, or the traveler must return home early due to unforeseen circumstances, including illness, injury, or death,\" Squaremouth notes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"Trip Interruption is a post-departure benefit that can reimburse a traveler\'s unused trip costs if they need to interrupt their trip for a covered reason. The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.\"</p>\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\'s not pleasant to think about issues you may run into once you\'ve arrived at your destination, it\'s still preferable to getting stuck with a hefty bill when you can\'t see your vacation through. So explore your trip interruption travel insurance options here now to get protected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>The bottom line</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\">Travel insurance can be a valuable protection to have during all of your trips in the year. It\'s especially valuable for your summer 2023 plans amid higher costs for expenses like hotels and flights. In addition to potentially saving you money, travel insurance can also help protect against medical emergencies and illnesses and, if your trip should get cut short once you\'ve arrived at your destination, you\'ll be protected with a trip interruption policy, too. </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.cbsnews.com/news/why-you-should-add-travel-insurance-for-your-summer-trip/\">click here.</a></p>\n<!-- /wp:paragraph -->','Why you should add travel insurance for your summer trip','','inherit','closed','closed','','3289-revision-v1','','','2023-06-30 05:20:43','2023-06-30 05:20:43','',3289,'http://smartinsurance.tips/?p=3290',0,'revision','',0),(3292,1,'2023-06-30 05:28:41','2023-06-30 05:28:41','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.thebalancemoney.com/thmb/pUqRBvTVxg4A-SxYhdHmCumDmJI=/1500x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Wildfiresandhomeinsurancewhatiscovered-5b7766a6c9e77c00503c8031.jpg\" alt=\"Homes near wildfire burning in hills\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\" id=\"mntl-sc-block_1-0\">Wildfires most often happen during certain months of the year known as fire season. This season used to span only a few months. But due to environmental changes over time, the fire season now stretches from late spring through the end of the year. This means it lasts six to eight months.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\" id=\"mntl-sc-block_1-0-2\">Wildfires have become so common that many say there is no \"fire season\" anymore. The risk is present all year. There already have been more than 38,000 wildfires in 2020. This exceeds last year\'s number in the same time period.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\" id=\"mntl-sc-block_1-0-4\">The ability for a wildfire to spread has a lot to do with the environment. But 85% of wildfires are caused by humans. The rest are natural, caused by lightning or lava. Wildfire embers blown by wind cause many of the fires that burn down homes. As a homeowner, how can you take steps to protect yourself from the financial impact that wildfire can have? The answer is by getting wildfire insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Here\'s a breakdown of what wildfire insurance covers, how it works, and where to get coverage.</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-callout-heading_1-0\">Key Takeaways</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>As a homeowner, you can get wildfire insurance to protect yourself from the financial impact of wildfires.</li><li>Standard residential insurance policies will cover damage from fire and smoke. Wildfire damage is thus often included in homeowners insurance.</li><li>If you are in an area that is at high risk for wildfire, some companies may not be willing to insure you. In cases like this, you can look at a FAIR Plan or other options.</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_1-0-9\">What Is Wildfire 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_1-0-10\">A standard home insurance policy will cover fire damage. But if you live in an area where you are at high risk for wildfires, you may need to buy extra coverage. Many types of insurance provide coverage for wildfires; there is no one policy to protect you overall.</p>\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\">For instance, home insurance will cover wildfire damage to your home, land, and personal belongings. Auto insurance will provide coverage for your car. Getting a good policy is essential; it will help you get paid the most in a 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_1-0-14\">Wildfire insurance coverage will vary based on the type of damage you have. It also depends on the kind of policy and whether you live in a high-risk zone.</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-callout-heading_1-0-1\">Warning</h3>\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 4.5 million properties are at high to extreme risk of damage in just 10 states. Not all insurers will cover wildfire damage in a high-risk area. You may have to get a FAIR Plan 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_1-0-17\">What Kind of Wildfire Damage Is Covered?</h2>\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\">Standard residential insurance policies will cover damage from fire and smoke. Wildfire damage is thus often included in these policies. That means you\'ll be covered for:</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>Damage to the building or main dwelling structure</li><li>Additional structure coverage</li><li>Landscaping, pools, and backyard items</li><li>Additional living expenses</li><li>Debris removal</li><li>Building-code upgrade coverage (This is included in some policies, but needs to be added as an endorsement in others.)</li><li>Personal property or contents</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_1-0-22\">For condo owners or renters, residential insurance provides coverage for your personal contents. It also covers additional living expenses. One important factor in knowing how much you will be paid for a wildfire claim is understanding the basis of claims settlement in your policy.</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\">Note</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your comprehensive car insurance coverage will cover damage by wildfire. If you only have minimum car insurance, or have liability only, then your car will not be covered against fire.</p>\n<!-- /wp: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_1-0-25\">How Much Is Paid out for a Wildfire Claim?</h2>\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\">Every insurance policy is different. This means the limits in your policy will be the factors that decide how much you might be paid for a claim resulting from a wildfire. How can you ensure you get paid the most when you make a claim? Choose a good insurance company that provides the highest limits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-28\">Wildfire Claims Settlement Options</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">There are two categories of coverage: Actual Cash Value (ACV) and Replacement Cost. An insurance company can pay a claim based on the following options:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-31\" class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Actual cash value or replacement cost</strong>: The ACV policy will only pay depreciated value. This will not be enough to rebuild your home. Replacement Cost will give you enough to rebuild your home (up to the policy limit). ACV and Replacement Cost can apply to the building alone, or to the building and personal property. Replacement Cost is optional with many insurers, so you need to ask what your coverage is when you buy your policy. Or see if you qualify for an upgrade. For instance, some homes with older roofs do not qualify for certain types of coverage. Each insurance company has different criteria. Shopping around for the company that will give you the best coverage will make thousands of dollars in the difference in what you get paid in a claim.</li><li><strong>Guaranteed or extended replacement cost</strong>: This coverage will pay up to a certain amount beyond the insured value. That\'s if the cost of rebuilding is higher than the amount insured on your policy. To qualify for this kind of coverage, you have to insure your building to value. If your home is underinsured, and you have a claim due to a wildfire, you will not be paid what you need. And you may not qualify for replacement cost settlements.<sup>8</sup></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=\"mntl-sc-block-callout-heading_1-0-3\">Tip</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sometimes you can purchase an endorsement on your policy to get the extra coverage you need.</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_1-0-34\">Other Coverages That Affect How Much You Get Paid</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-35\">Your choice of the insurance company and the level of coverage you choose will also dictate how much you will get paid for the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-37\" class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Additional Living Expense (ALE) Coverage</strong>: This covers you if your home is made uninhabitable by a covered risk, such as wildfire. You may be able to get compensation for your ALE while your home is rebuilt or made habitable again. Most policies have limits to how much they will pay. You can increase the standard limits by asking to add more coverage. Some policies for high-value homes offer unlimited ALE coverage. Each company is different.</li><li><strong>Limits</strong>: Insurance policies can contain clauses that limit the amount you will get for certain types of personal property. Be sure to ask your insurance company if the limits apply in a fire claim. Then, ask about any extra coverage available to you.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\"} -->\n<h2 class=\"has-black-color has-text-color\" id=\"mntl-sc-block_1-0-39\">Where Can You to Get Wildfire 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_1-0-40\">You can often wildfire insurance from your home insurance company.</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_1-0-4\">Note</h3>\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 home, you often will be required to carry fire insurance along with your homeowner\'s insurance. You can cancel this once you own your home outright. If you do, though, then you don\'t have coverage in case of a wildfire and will have to pay out of pocket to repair any wildfire damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-43\">If you are in an area that is at high risk for wildfire, some companies may not be willing to insure you. In cases like this, you can look at a FAIR Plan, or contact your state commissioner\'s office for guidance. In California, for instance, residents can get wildfire insurance through the California FAIR Plan.</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/wildfire-insurance-what-damage-is-covered-by-insurance-4173951\">click here.</a></p>\n<!-- /wp:paragraph -->','What You Need to Know About Wildfires and Insurance Coverage','','publish','closed','closed','','what-you-need-to-know-about-wildfires-and-insurance-coverage','','','2023-06-30 05:28:41','2023-06-30 05:28:41','',0,'http://smartinsurance.tips/?p=3292',0,'post','',0),(3293,1,'2023-06-30 05:28:41','2023-06-30 05:28:41','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.thebalancemoney.com/thmb/pUqRBvTVxg4A-SxYhdHmCumDmJI=/1500x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Wildfiresandhomeinsurancewhatiscovered-5b7766a6c9e77c00503c8031.jpg\" alt=\"Homes near wildfire burning in hills\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\" id=\"mntl-sc-block_1-0\">Wildfires most often happen during certain months of the year known as fire season. This season used to span only a few months. But due to environmental changes over time, the fire season now stretches from late spring through the end of the year. This means it lasts six to eight months.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\" id=\"mntl-sc-block_1-0-2\">Wildfires have become so common that many say there is no \"fire season\" anymore. The risk is present all year. There already have been more than 38,000 wildfires in 2020. This exceeds last year\'s number in the same time period.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\" id=\"mntl-sc-block_1-0-4\">The ability for a wildfire to spread has a lot to do with the environment. But 85% of wildfires are caused by humans. The rest are natural, caused by lightning or lava. Wildfire embers blown by wind cause many of the fires that burn down homes. As a homeowner, how can you take steps to protect yourself from the financial impact that wildfire can have? The answer is by getting wildfire insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Here\'s a breakdown of what wildfire insurance covers, how it works, and where to get coverage.</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-callout-heading_1-0\">Key Takeaways</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>As a homeowner, you can get wildfire insurance to protect yourself from the financial impact of wildfires.</li><li>Standard residential insurance policies will cover damage from fire and smoke. Wildfire damage is thus often included in homeowners insurance.</li><li>If you are in an area that is at high risk for wildfire, some companies may not be willing to insure you. In cases like this, you can look at a FAIR Plan or other options.</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_1-0-9\">What Is Wildfire 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_1-0-10\">A standard home insurance policy will cover fire damage. But if you live in an area where you are at high risk for wildfires, you may need to buy extra coverage. Many types of insurance provide coverage for wildfires; there is no one policy to protect you overall.</p>\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\">For instance, home insurance will cover wildfire damage to your home, land, and personal belongings. Auto insurance will provide coverage for your car. Getting a good policy is essential; it will help you get paid the most in a 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_1-0-14\">Wildfire insurance coverage will vary based on the type of damage you have. It also depends on the kind of policy and whether you live in a high-risk zone.</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-callout-heading_1-0-1\">Warning</h3>\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 4.5 million properties are at high to extreme risk of damage in just 10 states. Not all insurers will cover wildfire damage in a high-risk area. You may have to get a FAIR Plan 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_1-0-17\">What Kind of Wildfire Damage Is Covered?</h2>\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\">Standard residential insurance policies will cover damage from fire and smoke. Wildfire damage is thus often included in these policies. That means you\'ll be covered for:</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>Damage to the building or main dwelling structure</li><li>Additional structure coverage</li><li>Landscaping, pools, and backyard items</li><li>Additional living expenses</li><li>Debris removal</li><li>Building-code upgrade coverage (This is included in some policies, but needs to be added as an endorsement in others.)</li><li>Personal property or contents</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_1-0-22\">For condo owners or renters, residential insurance provides coverage for your personal contents. It also covers additional living expenses. One important factor in knowing how much you will be paid for a wildfire claim is understanding the basis of claims settlement in your policy.</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\">Note</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your comprehensive car insurance coverage will cover damage by wildfire. If you only have minimum car insurance, or have liability only, then your car will not be covered against fire.</p>\n<!-- /wp: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_1-0-25\">How Much Is Paid out for a Wildfire Claim?</h2>\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\">Every insurance policy is different. This means the limits in your policy will be the factors that decide how much you might be paid for a claim resulting from a wildfire. How can you ensure you get paid the most when you make a claim? Choose a good insurance company that provides the highest limits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-28\">Wildfire Claims Settlement Options</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">There are two categories of coverage: Actual Cash Value (ACV) and Replacement Cost. An insurance company can pay a claim based on the following options:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-31\" class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Actual cash value or replacement cost</strong>: The ACV policy will only pay depreciated value. This will not be enough to rebuild your home. Replacement Cost will give you enough to rebuild your home (up to the policy limit). ACV and Replacement Cost can apply to the building alone, or to the building and personal property. Replacement Cost is optional with many insurers, so you need to ask what your coverage is when you buy your policy. Or see if you qualify for an upgrade. For instance, some homes with older roofs do not qualify for certain types of coverage. Each insurance company has different criteria. Shopping around for the company that will give you the best coverage will make thousands of dollars in the difference in what you get paid in a claim.</li><li><strong>Guaranteed or extended replacement cost</strong>: This coverage will pay up to a certain amount beyond the insured value. That\'s if the cost of rebuilding is higher than the amount insured on your policy. To qualify for this kind of coverage, you have to insure your building to value. If your home is underinsured, and you have a claim due to a wildfire, you will not be paid what you need. And you may not qualify for replacement cost settlements.<sup>8</sup></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=\"mntl-sc-block-callout-heading_1-0-3\">Tip</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sometimes you can purchase an endorsement on your policy to get the extra coverage you need.</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_1-0-34\">Other Coverages That Affect How Much You Get Paid</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-35\">Your choice of the insurance company and the level of coverage you choose will also dictate how much you will get paid for the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-37\" class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Additional Living Expense (ALE) Coverage</strong>: This covers you if your home is made uninhabitable by a covered risk, such as wildfire. You may be able to get compensation for your ALE while your home is rebuilt or made habitable again. Most policies have limits to how much they will pay. You can increase the standard limits by asking to add more coverage. Some policies for high-value homes offer unlimited ALE coverage. Each company is different.</li><li><strong>Limits</strong>: Insurance policies can contain clauses that limit the amount you will get for certain types of personal property. Be sure to ask your insurance company if the limits apply in a fire claim. Then, ask about any extra coverage available to you.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\"} -->\n<h2 class=\"has-black-color has-text-color\" id=\"mntl-sc-block_1-0-39\">Where Can You to Get Wildfire 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_1-0-40\">You can often wildfire insurance from your home insurance company.</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_1-0-4\">Note</h3>\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 home, you often will be required to carry fire insurance along with your homeowner\'s insurance. You can cancel this once you own your home outright. If you do, though, then you don\'t have coverage in case of a wildfire and will have to pay out of pocket to repair any wildfire damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-43\">If you are in an area that is at high risk for wildfire, some companies may not be willing to insure you. In cases like this, you can look at a FAIR Plan, or contact your state commissioner\'s office for guidance. In California, for instance, residents can get wildfire insurance through the California FAIR Plan.</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/wildfire-insurance-what-damage-is-covered-by-insurance-4173951\">click here.</a></p>\n<!-- /wp:paragraph -->','What You Need to Know About Wildfires and Insurance Coverage','','inherit','closed','closed','','3292-revision-v1','','','2023-06-30 05:28:41','2023-06-30 05:28:41','',3292,'http://smartinsurance.tips/?p=3293',0,'revision','',0),(3294,1,'2023-06-30 05:35:33','2023-06-30 05:35:33','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/Ns4na4a_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most people know they need homeowners insurance to protect their investment, but figuring out how to protect a home under renovation is a little more challenging. A basic homeowners policy isn\'t always enough, and that\'s where home renovation insurance comes in. Here\'s a closer look at how it works and when it makes sense to buy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"does-homeowners-insurance-cover-home-renovations\">Does homeowners insurance cover home renovations?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A typical homeowners insurance policy usually covers home renovations, but this may not extend to an addition. It\'s always a good idea for the homeowner to reach out to their insurance company to verify this before the project gets underway.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In some scenarios, particularly if the renovation will increase the house\'s value, the existing insurance policy may no longer be enough to cover the full replacement cost of the home. That\'s why some homeowners choose to purchase additional home insurance after the remodel. Purchasing home renovation insurance is another option for protecting the home during renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"how-do-renovations-affect-homeowners-insurance\">How do renovations affect homeowners insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here\'s a look at how several common home renovations can affect insurance rates:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"adding-space\">Adding space</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding onto a home\'s square footage tends to increase the value of the home, and by extension, the cost of replacing it if there\'s a total loss. That means it\'s usually necessary to purchase additional home insurance coverage to remain fully protected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"upgrading-fixtures\">Upgrading fixtures</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding granite countertops or new appliances can also increase the value of the home. Homeowners wishing to replace these items with fixtures or appliances of a similar quality following a loss will need to purchase more home insurance after the remodel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"adding-a-pool\">Adding a pool</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding a pool can impact home insurance rates because there\'s an associated liability risk. People can get injured or die in a pool, so homeowners adding one of these should consider increasing their home insurance\'s liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"adding-a-home-office\">Adding a home office</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home businesses may not be covered by a basic home insurance policy or there may be limits on how much the insurer will pay to replace damaged or stolen business items. Homeowners looking to add a space for their home business should consider adding an endorsement for this to ensure they\'re fully covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"replacing-a-roof\">Replacing a roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some home insurers offer discounts to homeowners who have a new roof. This could reduce their home insurance rates for a short time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"installing-storm-shutters\">Installing storm shutters</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners residing in areas prone to hurricanes or other natural disasters may be able to save on their home insurance by installing storm shutters or using building materials designed to mitigate loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-is-home-renovation-insurance\">What is home renovation insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home renovation insurance, also known as dwelling under construction insurance, is a special type of insurance that protects the home and the materials for the new project. It\'s usually an endorsement that a homeowner can add to an existing home insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-does-home-renovation-insurance-cover\">What does home renovation insurance cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home renovation insurance typically covers the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"building-materials\">Building materials</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This type of coverage protects the building materials necessary for the project. If they are damaged in a covered claim, like a fire or tornado, the insurer would pay to replace them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"foundation-repair\">Foundation repair</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\">Foundation repair coverage is usually a component of home renovation insurance. This protects the homeowner against foundation collapse or similar issues during the renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"liability\">Liability</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurance for a house being renovated may include additional liability protection in case someone were to be injured on the property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"extra-costs-due-to-delays\">Extra costs due to delays</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a home renovation project is delayed due to factors outside the homeowner\'s control, home renovation insurance may pay some of the costs that arise, like interest on a construction loan or permit fees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"how-much-does-home-renovation-insurance-cost\">How much does home renovation insurance cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The cost of insurance for a home under construction varies widely depending on the location of the home, the scope of the renovation, the materials used, and how long the project lasts. Small projects may cost less than $50 per month while larger projects could cost a few hundred dollars per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The only way for a homeowner to get an accurate idea of the cost is to shop around. Compare quotes from a few different companies to see which offers the most affordable rate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"other-insurance-coverage-you-might-need\">Other insurance coverage you might need</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In addition to home renovation insurance, homeowners may want to consider the following coverage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"higher-home-insurance-coverage-limits\">Higher home insurance coverage limits</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners may want to consider increasing their home insurance coverage limits to reflect the increased value of their home. Those who aren\'t familiar with how much coverage they need should check out this guide to the basics of homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"vacant-home-insurance\">Vacant home insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If the homeowner isn\'t living in the home while the renovation is underway, they may want to add vacant home coverage to their policy. Skipping this coverage could result in a denied claim if there\'s an accident at the home while the homeowner is away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"contractor-insurance\">Contractor insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a contractor is doing the renovation work, they should have their own insurance. Homeowners should ask for a copy of this before the work begins. If the contractor plans to hire subcontractors, make sure they\'re adequately insured as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/wildfire-insurance-what-damage-is-covered-by-insurance-4173951\">click he</a><a href=\"https://www.fool.com/the-ascent/insurance/homeowners/home-renovation-insurance/#:~:text=What%20insurance%20do%20I%20need,to%20add%20vacant%20home%20coverage.\">r</a><a href=\"https://www.thebalancemoney.com/wildfire-insurance-what-damage-is-covered-by-insurance-4173951\">e.</a></p>\n<!-- /wp:paragraph -->','Home Renovation Insurance: How to Insure Your Home While Remodeling','','publish','closed','closed','','home-renovation-insurance-how-to-insure-your-home-while-remodeling-2','','','2023-06-30 05:35:33','2023-06-30 05:35:33','',0,'http://smartinsurance.tips/?p=3294',0,'post','',0),(3295,1,'2023-06-30 05:35:33','2023-06-30 05:35:33','<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://i.imgur.com/Ns4na4a_d.webp?maxwidth=760&amp;fidelity=grand\" alt=\"\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most people know they need homeowners insurance to protect their investment, but figuring out how to protect a home under renovation is a little more challenging. A basic homeowners policy isn\'t always enough, and that\'s where home renovation insurance comes in. Here\'s a closer look at how it works and when it makes sense to buy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"does-homeowners-insurance-cover-home-renovations\">Does homeowners insurance cover home renovations?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A typical homeowners insurance policy usually covers home renovations, but this may not extend to an addition. It\'s always a good idea for the homeowner to reach out to their insurance company to verify this before the project gets underway.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In some scenarios, particularly if the renovation will increase the house\'s value, the existing insurance policy may no longer be enough to cover the full replacement cost of the home. That\'s why some homeowners choose to purchase additional home insurance after the remodel. Purchasing home renovation insurance is another option for protecting the home during renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"how-do-renovations-affect-homeowners-insurance\">How do renovations affect homeowners insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here\'s a look at how several common home renovations can affect insurance rates:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"adding-space\">Adding space</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding onto a home\'s square footage tends to increase the value of the home, and by extension, the cost of replacing it if there\'s a total loss. That means it\'s usually necessary to purchase additional home insurance coverage to remain fully protected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"upgrading-fixtures\">Upgrading fixtures</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding granite countertops or new appliances can also increase the value of the home. Homeowners wishing to replace these items with fixtures or appliances of a similar quality following a loss will need to purchase more home insurance after the remodel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"adding-a-pool\">Adding a pool</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding a pool can impact home insurance rates because there\'s an associated liability risk. People can get injured or die in a pool, so homeowners adding one of these should consider increasing their home insurance\'s liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"adding-a-home-office\">Adding a home office</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home businesses may not be covered by a basic home insurance policy or there may be limits on how much the insurer will pay to replace damaged or stolen business items. Homeowners looking to add a space for their home business should consider adding an endorsement for this to ensure they\'re fully covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"replacing-a-roof\">Replacing a roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some home insurers offer discounts to homeowners who have a new roof. This could reduce their home insurance rates for a short time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"installing-storm-shutters\">Installing storm shutters</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners residing in areas prone to hurricanes or other natural disasters may be able to save on their home insurance by installing storm shutters or using building materials designed to mitigate loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-is-home-renovation-insurance\">What is home renovation insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home renovation insurance, also known as dwelling under construction insurance, is a special type of insurance that protects the home and the materials for the new project. It\'s usually an endorsement that a homeowner can add to an existing home insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-does-home-renovation-insurance-cover\">What does home renovation insurance cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home renovation insurance typically covers the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"building-materials\">Building materials</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This type of coverage protects the building materials necessary for the project. If they are damaged in a covered claim, like a fire or tornado, the insurer would pay to replace them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"foundation-repair\">Foundation repair</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"large\"} -->\n<p class=\"has-large-font-size\">Foundation repair coverage is usually a component of home renovation insurance. This protects the homeowner against foundation collapse or similar issues during the renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"liability\">Liability</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurance for a house being renovated may include additional liability protection in case someone were to be injured on the property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"extra-costs-due-to-delays\">Extra costs due to delays</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a home renovation project is delayed due to factors outside the homeowner\'s control, home renovation insurance may pay some of the costs that arise, like interest on a construction loan or permit fees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"how-much-does-home-renovation-insurance-cost\">How much does home renovation insurance cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The cost of insurance for a home under construction varies widely depending on the location of the home, the scope of the renovation, the materials used, and how long the project lasts. Small projects may cost less than $50 per month while larger projects could cost a few hundred dollars per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The only way for a homeowner to get an accurate idea of the cost is to shop around. Compare quotes from a few different companies to see which offers the most affordable rate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"other-insurance-coverage-you-might-need\">Other insurance coverage you might need</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In addition to home renovation insurance, homeowners may want to consider the following coverage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"higher-home-insurance-coverage-limits\">Higher home insurance coverage limits</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners may want to consider increasing their home insurance coverage limits to reflect the increased value of their home. Those who aren\'t familiar with how much coverage they need should check out this guide to the basics of homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"vacant-home-insurance\">Vacant home insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If the homeowner isn\'t living in the home while the renovation is underway, they may want to add vacant home coverage to their policy. Skipping this coverage could result in a denied claim if there\'s an accident at the home while the homeowner is away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"contractor-insurance\">Contractor insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a contractor is doing the renovation work, they should have their own insurance. Homeowners should ask for a copy of this before the work begins. If the contractor plans to hire subcontractors, make sure they\'re adequately insured as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/wildfire-insurance-what-damage-is-covered-by-insurance-4173951\">click he</a><a href=\"https://www.fool.com/the-ascent/insurance/homeowners/home-renovation-insurance/#:~:text=What%20insurance%20do%20I%20need,to%20add%20vacant%20home%20coverage.\">r</a><a href=\"https://www.thebalancemoney.com/wildfire-insurance-what-damage-is-covered-by-insurance-4173951\">e.</a></p>\n<!-- /wp:paragraph -->','Home Renovation Insurance: How to Insure Your Home While Remodeling','','inherit','closed','closed','','3294-revision-v1','','','2023-06-30 05:35:33','2023-06-30 05:35:33','',3294,'http://smartinsurance.tips/?p=3295',0,'revision','',0),