(3148,1,'2023-04-30 04:30:09','2023-04-30 04:30:09','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Use a product purgatory to part with your unwanted possessions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3147,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Health.png\" alt=\"\" class=\"wp-image-3147\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>KEY POINTS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Although many consumers have more stuff than they want and need, getting rid of unused items is difficult.</li><li>A product purgatory is not merely a convenient storage space that puts the product out of sight and out of mind.</li><li>Purgatory can serve a larger psychological function.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We all have more and more stuff. Not only do we live in larger and larger houses to accommodate our stuff, but recent years have also seen massive increases in consumers’ rental of personal storage units. That means that consumers are paying with their hard-earned cash to store things they are currently not using, and might in fact never use again. But if having to live with boxes of unused things in their home or having to pay for expensive storage is not enough to get consumers to throw out what they don’t need, what will help?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A new paper provides such help to consumers. The authors (Isaac &amp; Vinoo, 2023) investigate what happens when consumers use a so-called product purgatory: This is a place where consumers store items that they consider discarding. You might have such a product purgatory in your own home without knowing. Maybe you have a space in the attic where you store the clothes and toys that your children have grown out of. Maybe you have a box in the garage for your own no-longer-wanted clothes that you haven’t quite had the heart yet to donate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The research shows that such a product purgatory is not merely a convenient storage space that puts the product out of sight and out of mind. Instead, it can serve a larger psychological function. By placing an item in this product purgatory, consumers can mentally simulate – or imagine in vivid detail – what it would feel like to get rid of the product entirely. The authors conducted several experiments to test this. For example, they asked consumers to take an item from their own kitchens that hadn’t been used in a while to either leave it where it is or move it to a storage location (in the garage or basement). Consumers who had moved the item to such a product purgatory afterward felt readier to dispose of the item than those who had kept the item in their kitchens. This happened because it was easier to imagine disposal when the item was already in purgatory.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">I find the role of mental simulation here especially interesting. In my own work (Steinmetz et al., 2018) I have found that mental simulation goes much deeper than simply thinking about something. For example, I asked volunteers to simulate in depth what it’s like to feel cold, and they actually felt colder as a result. This is why I find it really exciting to see that consumers can also simulate parting with unused objects, simply by putting them in a designated space where they store things to be thrown out or donated. Maybe consumers can anticipate the sometimes difficult emotions that arise when parting with an object: maybe some nostalgia, buyer’s regret, relief, or a mix of all of these emotions. Getting a taste of these emotions and feeling that they will pass might allow consumers to take the leap and throw out the object. This might not only relieve consumers of the mental and financial costs of storing unused items but also give them space to appreciate the objects they want to keep and truly love.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.psychologytoday.com/us/blog/the-social-consumer/202303/the-life-hack-that-will-help-you-declutter\">click here.</a></p>\n<!-- /wp:paragraph -->','The Life Hack That Will Help You Declutter','','inherit','closed','closed','','3146-revision-v1','','','2023-04-30 04:30:09','2023-04-30 04:30:09','',3146,'http://smartinsurance.tips/?p=3148',0,'revision','',0),(3149,1,'2023-04-30 04:35:17','2023-04-30 04:35:17','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tips for conducting an effective new-car evaluation behind the wheel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3150,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Product-review.png\" alt=\"\" class=\"wp-image-3150\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This is your chance to see how the vehicle performs and whether you can detect any problems with its drivetrain, steering, suspension, brakes, or other important system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You should drive all of the vehicles you\'re considering on the same day so that you can compare them more easily. Drive them as long as possible—at least 30 minutes—and over different types of road surfaces and in various driving conditions. Plan your own driving route in advance. A salesperson or private seller may suggest routes that hide or minimize problems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some dealers will let you take the car out by yourself, but don\'t be surprised if someone comes along. This is where your companion can come in handy. Let him or her deal with a jabbering salesperson as you concentrate on the vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But this can be a potentially dangerous situation. A new car is likely to overly impress you, because it\'s better than the one you\'re now driving. It\'s important to compare it with other new vehicles that interest you rather than with your current car. The more vehicles you test-drive, the better perspective you\'ll develop.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Listen and look for the things you like, and be on the lookout for things you might not be happy with. Many cars have personalities, and it\'s important to find one that matches yours. Little things that might seem insignificant now could become major irritants down the road.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are a few things you should consider during your test drive. If possible, have your companion remind you of these points or even read them to you while you drive:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Ride Comfort</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Gauge this on a stretch of imperfect pavement. Do the potholes, seams, and cracks in the pavement rattle your teeth and punch your kidneys? Or does the suspension isolate you from the road and keep you unaware of the decrepit road conditions?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Soft suspensions feel pillowy over holes and ruts but allow the vehicle body to wallow up and down a bit after a large bump. The best vehicles feel tight and controlled over bumps, recovering immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sporty cars usually have a firm ride, often a trade-off for their better handling characteristics. Firm can be good, but in small doses. Many buyers bitten by the sports-car bug have later come to regret it. A rough ride can quickly get old when every little ripple in the asphalt punches through as a teeth-chattering jolt.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some cars, especially small ones, have a \"busy\" ride, which means the body makes constant little jittery motions up and down or side to side. Avoid that if you can. The better cars have suspensions that swallow up pavement flaws without sharing them with the vehicle\'s occupants.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Acceleration</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It\'s a scary feeling when you need acceleration ... NOW ... to pull out into traffic, but the engine feels unwilling—or unable—to deliver. So make sure you try a quick acceleration run from a stop and a rolling merge into fast freeway traffic. You want to be able to maintain highway speeds without flogging the car. If the engine has to scream to get you up to highway speed, look elsewhere.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Try climbing a steep hill. Note whether the transmission downshifts smoothly and how the engine responds. You shouldn\'t feel any clunks or harsh, abrupt shifts. There should be seamless power delivery without any hiccups.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Strong, dependable acceleration is one part engine power, one part effective transmission. Even a powerful engine can feel lame if it\'s coupled with a mediocre transmission. Conversely, a lower-horsepower engine can perform better in combination with a well-designed transmission.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A major benefit of a test drive is to see whether you like the powertrain. If you weren\'t impressed, now is the time to try a different one, if available, or to look at other brands.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Braking</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">During your drive, pay attention to how the brakes feel. Are they responsive without being too touchy? Braking is hard to evaluate thoroughly without professional help, but you can do a basic assessment. Just make sure to warn the salesperson in advance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Try to get a sense of how the vehicle responds to soft and more forceful braking. It should be smooth and progressive. Grabby brakes that suck out your eyeballs or ones that feel as if you\'re pushing into a bowl of oatmeal don\'t help driver confidence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Hybrid and electric cars will feel different under braking than the car you are used to driving. This is because they incorporate mechanisms to capture braking energy to charge the battery. They may feel slightly numb or isolated.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Steering and Handling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Good steering should feel easy and controllable through turns—not so quick that it feels darty and not so slow that it takes a lot of turning to make a maneuver. You should get \"feedback\" through the steering wheel: A good system will tell you what the wheels are doing on the road. Lesser systems feel numb and disconnected from the wheels.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Steering systems have evolved rapidly over the past few years. Variable power steering, which adds more heft at higher speeds and lightens up the steering effort at slow speeds—like parking—is commonplace.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Electric systems—either fully or partly electric—are found in more and more vehicles. They don\'t use hydraulic lines to help move the wheels left or right. Instead, they send signals to the gears that move the rack.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The benefit is marginal gains in fuel economy through the removal of the hydraulic system. But often that comes at the expense of steering feel and heft. The better systems are transparent: You\'d never know the type of system. Weaker systems often feel artificially light or heavy, or never have the appropriate weight for the conditions. Some are too heavy when parking and overly light on the highway.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When driving, consider how the car responds to quick maneuvers. Check whether it tracks well when driving straight ahead or whether it requires small, continual corrections. Because the vehicle\'s response to quick steering maneuvers is a key factor in avoiding an accident, it\'s important to be comfortable with the way your vehicle reacts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One thing to remember: Don\'t play race car driver. A test drive isn\'t the time to push an unfamiliar vehicle to its handling and braking limits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Quietness</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">At one point during the test drive, turn off the radio and close all of the windows so that you can hear what is going on, especially at highway speeds. Check how subdued or raucous the engine is during heavy acceleration and highway cruising.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Four-cylinder engines tend to be the noisiest, so you may also want to try a V6—if it\'s offered—to see whether it\'s any better. Remember: Engines don\'t get quieter with age. Something that\'s borderline offensive during a test drive will be downright unlivable as time goes by.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Is there excessive wind noise? Side mirrors are a big source of wind noise, as are roof rails on SUVs and wagons. Tires can be another source of noise. High-performance tires on cars and off-road tires on SUVs and pickup trucks tend to create the most noise. Though annoying, this noise is often a big part of the ownership experience, and people who gravitate toward these vehicles are usually not bothered by it. But the test drive is a good way to find out your tolerance level.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Visibility</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This can vary greatly, even among similar vehicles. But you can tell which ones have the best visibility during your back-to-back drives. Don\'t forget to check rear visibility when backing up, and the size of the rear blind zone. Backup cameras are just part of the rear-visibility equation. They shouldn\'t have to compensate for thick roof pillars and small windows.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Of course, daytime visibility is important. But once you are serious about buying a car, try to test-drive it after dark. This way you\'ll be able to tell how well the headlights perform; which switches, gauges, and controls are lighted for nighttime use; and whether there are any annoying reflections in the windshield.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:separator -->\n<hr class=\"wp-block-separator\"/>\n<!-- /wp:separator -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What to Do After the Test Drive</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can bet that once the test drive ends, the hard-sell process will begin. Your salesperson is counting on you being jazzed from driving a new car and ready to seal the deal. But this isn\'t the ideal time to start negotiating, especially if you still have other cars to test-drive. In reality, you need this time to collect your thoughts. Even if you absolutely love a car, keep your emotions in check.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Use a test-drive checklist to help organize your notes. How you\'re treated during your first visit to a dealership may tell you a lot about a future relationship, so make sure you\'re comfortable with the atmosphere and test-drive experience. Your test-drives give you a good chance to evaluate a variety of dealerships.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even the lowest possible price usually won\'t compensate for a bad dealership experience. Every salesperson you deal with should treat you with respect and honesty.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But there are exceptions to every rule. So we have included some helpful questions that you should ask yourself when deciding where to buy your next vehicle:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Was the salesperson responsive to my questions?</li><li>Was I treated with respect?</li><li>Did I get all of the information I needed?</li><li>Did I get honest answers?</li><li>Was it easy to arrange a test-drive?</li><li>Did the dealership avoid any high-pressure tactics during my first encounter?</li><li>Was I invited back for more test-drives?</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you answered \"yes\" to more than a few of those questions about a dealership, there\'s a good chance you might want to do business there. If you answered \"no\" often, you should think about going elsewhere to buy your car.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.consumerreports.org/buying-a-car/how-to-test-drive-a-new-car-like-an-old-pro/\">click here.</a><a href=\"javascript:social_sharing(\'facebook\');\"></a><a href=\"javascript:social_sharing(\'twitter\');\"></a><a href=\"javascript:social_sharing(\'pinterest\');\"></a><a href=\"javascript:void(0);\"></a><a href=\"javascript:window.print();\"></a></p>\n<!-- /wp:paragraph -->','How to Test-Drive a New Car Like an Old Pro','','publish','closed','closed','','how-to-test-drive-a-new-car-like-an-old-pro','','','2023-04-30 04:35:17','2023-04-30 04:35:17','',0,'http://smartinsurance.tips/?p=3149',0,'post','',0),(3150,1,'2023-04-30 04:31:53','2023-04-30 04:31:53','','Product-review','','inherit','closed','closed','','product-review-4','','','2023-04-30 04:31:53','2023-04-30 04:31:53','',3149,'http://smartinsurance.tips/wp-content/uploads/2023/04/Product-review.png',0,'attachment','image/png',0),(3151,1,'2023-04-30 04:35:17','2023-04-30 04:35:17','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tips for conducting an effective new-car evaluation behind the wheel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3150,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Product-review.png\" alt=\"\" class=\"wp-image-3150\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This is your chance to see how the vehicle performs and whether you can detect any problems with its drivetrain, steering, suspension, brakes, or other important system.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You should drive all of the vehicles you\'re considering on the same day so that you can compare them more easily. Drive them as long as possible—at least 30 minutes—and over different types of road surfaces and in various driving conditions. Plan your own driving route in advance. A salesperson or private seller may suggest routes that hide or minimize problems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some dealers will let you take the car out by yourself, but don\'t be surprised if someone comes along. This is where your companion can come in handy. Let him or her deal with a jabbering salesperson as you concentrate on the vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But this can be a potentially dangerous situation. A new car is likely to overly impress you, because it\'s better than the one you\'re now driving. It\'s important to compare it with other new vehicles that interest you rather than with your current car. The more vehicles you test-drive, the better perspective you\'ll develop.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Listen and look for the things you like, and be on the lookout for things you might not be happy with. Many cars have personalities, and it\'s important to find one that matches yours. Little things that might seem insignificant now could become major irritants down the road.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are a few things you should consider during your test drive. If possible, have your companion remind you of these points or even read them to you while you drive:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Ride Comfort</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Gauge this on a stretch of imperfect pavement. Do the potholes, seams, and cracks in the pavement rattle your teeth and punch your kidneys? Or does the suspension isolate you from the road and keep you unaware of the decrepit road conditions?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Soft suspensions feel pillowy over holes and ruts but allow the vehicle body to wallow up and down a bit after a large bump. The best vehicles feel tight and controlled over bumps, recovering immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sporty cars usually have a firm ride, often a trade-off for their better handling characteristics. Firm can be good, but in small doses. Many buyers bitten by the sports-car bug have later come to regret it. A rough ride can quickly get old when every little ripple in the asphalt punches through as a teeth-chattering jolt.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some cars, especially small ones, have a \"busy\" ride, which means the body makes constant little jittery motions up and down or side to side. Avoid that if you can. The better cars have suspensions that swallow up pavement flaws without sharing them with the vehicle\'s occupants.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Acceleration</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It\'s a scary feeling when you need acceleration ... NOW ... to pull out into traffic, but the engine feels unwilling—or unable—to deliver. So make sure you try a quick acceleration run from a stop and a rolling merge into fast freeway traffic. You want to be able to maintain highway speeds without flogging the car. If the engine has to scream to get you up to highway speed, look elsewhere.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Try climbing a steep hill. Note whether the transmission downshifts smoothly and how the engine responds. You shouldn\'t feel any clunks or harsh, abrupt shifts. There should be seamless power delivery without any hiccups.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Strong, dependable acceleration is one part engine power, one part effective transmission. Even a powerful engine can feel lame if it\'s coupled with a mediocre transmission. Conversely, a lower-horsepower engine can perform better in combination with a well-designed transmission.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A major benefit of a test drive is to see whether you like the powertrain. If you weren\'t impressed, now is the time to try a different one, if available, or to look at other brands.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Braking</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">During your drive, pay attention to how the brakes feel. Are they responsive without being too touchy? Braking is hard to evaluate thoroughly without professional help, but you can do a basic assessment. Just make sure to warn the salesperson in advance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Try to get a sense of how the vehicle responds to soft and more forceful braking. It should be smooth and progressive. Grabby brakes that suck out your eyeballs or ones that feel as if you\'re pushing into a bowl of oatmeal don\'t help driver confidence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Hybrid and electric cars will feel different under braking than the car you are used to driving. This is because they incorporate mechanisms to capture braking energy to charge the battery. They may feel slightly numb or isolated.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Steering and Handling</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Good steering should feel easy and controllable through turns—not so quick that it feels darty and not so slow that it takes a lot of turning to make a maneuver. You should get \"feedback\" through the steering wheel: A good system will tell you what the wheels are doing on the road. Lesser systems feel numb and disconnected from the wheels.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Steering systems have evolved rapidly over the past few years. Variable power steering, which adds more heft at higher speeds and lightens up the steering effort at slow speeds—like parking—is commonplace.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Electric systems—either fully or partly electric—are found in more and more vehicles. They don\'t use hydraulic lines to help move the wheels left or right. Instead, they send signals to the gears that move the rack.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The benefit is marginal gains in fuel economy through the removal of the hydraulic system. But often that comes at the expense of steering feel and heft. The better systems are transparent: You\'d never know the type of system. Weaker systems often feel artificially light or heavy, or never have the appropriate weight for the conditions. Some are too heavy when parking and overly light on the highway.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When driving, consider how the car responds to quick maneuvers. Check whether it tracks well when driving straight ahead or whether it requires small, continual corrections. Because the vehicle\'s response to quick steering maneuvers is a key factor in avoiding an accident, it\'s important to be comfortable with the way your vehicle reacts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One thing to remember: Don\'t play race car driver. A test drive isn\'t the time to push an unfamiliar vehicle to its handling and braking limits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Quietness</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">At one point during the test drive, turn off the radio and close all of the windows so that you can hear what is going on, especially at highway speeds. Check how subdued or raucous the engine is during heavy acceleration and highway cruising.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Four-cylinder engines tend to be the noisiest, so you may also want to try a V6—if it\'s offered—to see whether it\'s any better. Remember: Engines don\'t get quieter with age. Something that\'s borderline offensive during a test drive will be downright unlivable as time goes by.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Is there excessive wind noise? Side mirrors are a big source of wind noise, as are roof rails on SUVs and wagons. Tires can be another source of noise. High-performance tires on cars and off-road tires on SUVs and pickup trucks tend to create the most noise. Though annoying, this noise is often a big part of the ownership experience, and people who gravitate toward these vehicles are usually not bothered by it. But the test drive is a good way to find out your tolerance level.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Visibility</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This can vary greatly, even among similar vehicles. But you can tell which ones have the best visibility during your back-to-back drives. Don\'t forget to check rear visibility when backing up, and the size of the rear blind zone. Backup cameras are just part of the rear-visibility equation. They shouldn\'t have to compensate for thick roof pillars and small windows.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Of course, daytime visibility is important. But once you are serious about buying a car, try to test-drive it after dark. This way you\'ll be able to tell how well the headlights perform; which switches, gauges, and controls are lighted for nighttime use; and whether there are any annoying reflections in the windshield.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:separator -->\n<hr class=\"wp-block-separator\"/>\n<!-- /wp:separator -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What to Do After the Test Drive</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can bet that once the test drive ends, the hard-sell process will begin. Your salesperson is counting on you being jazzed from driving a new car and ready to seal the deal. But this isn\'t the ideal time to start negotiating, especially if you still have other cars to test-drive. In reality, you need this time to collect your thoughts. Even if you absolutely love a car, keep your emotions in check.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Use a test-drive checklist to help organize your notes. How you\'re treated during your first visit to a dealership may tell you a lot about a future relationship, so make sure you\'re comfortable with the atmosphere and test-drive experience. Your test-drives give you a good chance to evaluate a variety of dealerships.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even the lowest possible price usually won\'t compensate for a bad dealership experience. Every salesperson you deal with should treat you with respect and honesty.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But there are exceptions to every rule. So we have included some helpful questions that you should ask yourself when deciding where to buy your next vehicle:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Was the salesperson responsive to my questions?</li><li>Was I treated with respect?</li><li>Did I get all of the information I needed?</li><li>Did I get honest answers?</li><li>Was it easy to arrange a test-drive?</li><li>Did the dealership avoid any high-pressure tactics during my first encounter?</li><li>Was I invited back for more test-drives?</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you answered \"yes\" to more than a few of those questions about a dealership, there\'s a good chance you might want to do business there. If you answered \"no\" often, you should think about going elsewhere to buy your car.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.consumerreports.org/buying-a-car/how-to-test-drive-a-new-car-like-an-old-pro/\">click here.</a><a href=\"javascript:social_sharing(\'facebook\');\"></a><a href=\"javascript:social_sharing(\'twitter\');\"></a><a href=\"javascript:social_sharing(\'pinterest\');\"></a><a href=\"javascript:void(0);\"></a><a href=\"javascript:window.print();\"></a></p>\n<!-- /wp:paragraph -->','How to Test-Drive a New Car Like an Old Pro','','inherit','closed','closed','','3149-revision-v1','','','2023-04-30 04:35:17','2023-04-30 04:35:17','',3149,'http://smartinsurance.tips/?p=3151',0,'revision','',0),(3152,1,'2023-04-30 05:48:46','2023-04-30 05:48:46','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3153,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-1.png\" alt=\"\" class=\"wp-image-3153\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may not know how important your driveway is until it is no longer there. A clean and effective driveway, as the principal entrance to your home, can either enhance the aesthetics of your property or be required to climb up the hill you live on.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>In most homeowners insurance policies, driveways are listed as a structure that is covered against financial loss. Your home’s insurance should cover your driveway depending on the type of damage it sustains. Check the fine print for your particular policy to see exactly what it does and does not cover. </strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In either case, knowing whether, when, and how your homeowner’s insurance covers your driveway could be beneficial. Let’s have a look at the ins and outs of these situations so you can know what to expect.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Does Homeowners Insurance Cover Damaged Driveways?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your driveway is most likely covered under your policy’s dwelling (Coverage A) or other structures (Coverage B) sections.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your home insurance policy’s dwelling coverage protects the structure of your home and everything permanently attached to it, such as decks and porches. If your garage is attached to your house and your driveway is connected to it, it’s most certainly covered under your homeowner’s insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your driveway leads to a detached garage or carport, it may fall within the other structures section of your policy, but it should still be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The HO-3 form, which is the most prevalent type of homeowners insurance coverage, protects you from over a dozen stated probable causes of harm. Damage from fire, hail and hurricanes are just a few of the covered perils that could harm your driveway.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">What If Your Driveway Isn’t Covered?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurance does not, however, cover all types of weather-related damage. Homeowners insurance does not cover floods or earth movements, which are two of the most common causes of driveway damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You’re probably not protected if your driveway crumbled or shifted because the earth beneath it shifted. Furthermore, your provider will not reimburse you if your driveway was washed out by rain or harmed in some other way by a flood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">When Your Insurance Doesn’t Cover Your Driveway</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You wouldn’t be covered either if the damage happened gradually over time or if it was inflicted by someone who lives in the residence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if you wear out your driveway over time by parking and driving your car in the same spot, your insurance will not cover the cost because you caused the problem via normal wear and use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In many places of the United States, asphalt driveways are common. If they’re exposed to the light every day, they’ll eventually crack.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">They’re also vulnerable to harm if the earth beneath them shifts due to water. These incidents would not be covered either since they were not unexpected and the damage might be classified as normal wear and tear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another improbable but potential reason for coverage denial is if your driveway connects to a detached garage or shed where you do business. Your insurer may view it as a part of your home’s structure rather than a part of your business, which necessitates different insurance coverage than a homeowners policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Is Driveway Replacement Or Repair Covered By Homeowners Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you file a claim after your driveway is damaged by a covered risk, your homeowner’s insurance should compensate you for a new one.&nbsp;Let’s imagine your driveway is ripped apart by a tornado or a tree falls on it after a major storm. Both of these scenarios are usually covered by a homeowner’s insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If the damage exceeds your deductible, you can make a claim, and your insurance company will either refund you for the entire driveway or replace the damaged portion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your supplier should also cover debris removal, so you should be covered for removing the old driveway (or the fallen tree that’s on it).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When it comes to replacing your driveway, be sure you understand if your policy will cover the driveway’s real cash value or its replacement cost. Another improbable but potential reason for coverage denial is if your driveway connects to a detached garage or shed where you do business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your insurer may view it as a part of your home’s structure rather than a part of your business, which necessitates different insurance coverage than a homeowners policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Does It Cost To Repair A Damaged Driveway?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you discover that your particular situation isn’t covered by homeowners insurance then you’ll need to come up with the costs yourself. But, how much will this cost you?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The cost to repair a damaged driveway depends on the type of driveway you have. Here are the following overall prices for driveway repair:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Concrete: $300 – $3,000</strong></li><li><strong>Brick: $500 – $1,200</strong></li><li><strong>Heated: $500 – $6,000</strong></li><li><strong>Gravel: $5 – $500</strong></li><li><strong>Asphalt: $250 – $800</strong></li><li><strong>Cobblestone: $600 – $1,200</strong></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Price Per Square Foot For Driveway Repair</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As you can see, the price for driveway repair is highly variable depending on the material that you use. To get a better idea of how much it will cost you, it’s best to figure out the square footage of your driveway:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Concrete</strong><ul><li><strong>Resurfacing</strong>: $3 to $7 per sq ft</li><li><strong>Crack Repair</strong>: $5 to $10 per sq ft</li><li><strong>Sealant</strong>: $8 to $12 per sq ft</li></ul></li><li><strong>Brick</strong><ul><li><strong>Brick Pavers:&nbsp;</strong>$0.50 to $1.80 per brick or $2 to $8 per sq ft</li><li><strong>Tree Removal:&nbsp;</strong>$320 to $800</li></ul></li><li><strong>Heated</strong><ul><li><strong>Radiant heating tubes:&nbsp;</strong>$4 to $12 per sq ft</li><li><strong>Boiler Replacement:&nbsp;</strong>$1,200 to $6,000</li></ul></li><li><strong>Gravel</strong><ul><li><strong>Re-grading:&nbsp;</strong>$0.50 to $2.20 per sq ft</li><li><strong>Resurfacing:&nbsp;</strong>$0.25 to $0.75 per sq ft</li><li><strong>Patchwork:&nbsp;</strong>$2 to $8 per bag of gravel</li></ul></li><li><strong>Asphalt</strong><ul><li><strong>Potholes:</strong>&nbsp;$100 to $400</li><li><strong>Hot and cold patching:</strong>&nbsp;$2 to $5 per sq ft</li><li><strong>Saw-cut Repairs:</strong>&nbsp;$4 to $12 per sq ft</li></ul></li><li><strong>Cobblestone</strong><ul><li><strong>Individual stone replacement:&nbsp;</strong>$8 to $20 per sq ft</li><li><strong>Sand:&nbsp;</strong>$3 to $5 per sq ft</li><li><strong>Re-leveling:&nbsp;</strong>$6 to $12 per sq ft</li></ul></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Knowing the elements of each cost will help you to be able to narrow down the cost for your project. It’s best to estimate this, and if your driveway is at high risk for damage then set aside that amount so you have it in the event that your insurance doesn’t cover the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Related Questions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">Is a driveway regarded as a separate structure?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other Structures – a section of a homeowner’s policy that covers structures on the property that are isolated from the dwelling by a clear area or connected to the dwelling by a fence, utility line, or other similar connection. A detached garage, tool shed, driveway, swimming pool, gazebo, or fence are all examples.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">What kind of damages aren’t covered by homeowner’s insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Damage caused by termites and insects, birds or rodents, rust, rot, mold, and regular wear and tear is not covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Damage from pollution or smoke generated by industrial or agricultural activity is also not covered. If something is poorly manufactured or has a concealed fault, it will almost always be excluded from coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">Is driveway repair covered by homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a covered risk, such as a natural disaster or vandalism, caused the fracture in the driveway, home insurance may cover the cost of repair.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Assume a storm toppled a massive tree, cracking your driveway. In some circumstances, where an unexpected incident occurs, the homeowner’s insurance policy will cover it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://upgradedhome.com/does-homeowners-insurance-cover-driveway-damage/\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Driveway Damage?','','publish','closed','closed','','does-homeowners-insurance-cover-driveway-damage-2','','','2023-04-30 05:48:46','2023-04-30 05:48:46','',0,'http://smartinsurance.tips/?p=3152',0,'post','',0),(3153,1,'2023-04-30 05:40:25','2023-04-30 05:40:25','','Insurance-1','','inherit','closed','closed','','insurance-1-12','','','2023-04-30 05:40:25','2023-04-30 05:40:25','',3152,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-1.png',0,'attachment','image/png',0),(3154,1,'2023-04-30 05:48:46','2023-04-30 05:48:46','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3153,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-1.png\" alt=\"\" class=\"wp-image-3153\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may not know how important your driveway is until it is no longer there. A clean and effective driveway, as the principal entrance to your home, can either enhance the aesthetics of your property or be required to climb up the hill you live on.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>In most homeowners insurance policies, driveways are listed as a structure that is covered against financial loss. Your home’s insurance should cover your driveway depending on the type of damage it sustains. Check the fine print for your particular policy to see exactly what it does and does not cover. </strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In either case, knowing whether, when, and how your homeowner’s insurance covers your driveway could be beneficial. Let’s have a look at the ins and outs of these situations so you can know what to expect.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Does Homeowners Insurance Cover Damaged Driveways?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your driveway is most likely covered under your policy’s dwelling (Coverage A) or other structures (Coverage B) sections.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your home insurance policy’s dwelling coverage protects the structure of your home and everything permanently attached to it, such as decks and porches. If your garage is attached to your house and your driveway is connected to it, it’s most certainly covered under your homeowner’s insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your driveway leads to a detached garage or carport, it may fall within the other structures section of your policy, but it should still be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The HO-3 form, which is the most prevalent type of homeowners insurance coverage, protects you from over a dozen stated probable causes of harm. Damage from fire, hail and hurricanes are just a few of the covered perils that could harm your driveway.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">What If Your Driveway Isn’t Covered?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurance does not, however, cover all types of weather-related damage. Homeowners insurance does not cover floods or earth movements, which are two of the most common causes of driveway damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You’re probably not protected if your driveway crumbled or shifted because the earth beneath it shifted. Furthermore, your provider will not reimburse you if your driveway was washed out by rain or harmed in some other way by a flood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">When Your Insurance Doesn’t Cover Your Driveway</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You wouldn’t be covered either if the damage happened gradually over time or if it was inflicted by someone who lives in the residence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if you wear out your driveway over time by parking and driving your car in the same spot, your insurance will not cover the cost because you caused the problem via normal wear and use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In many places of the United States, asphalt driveways are common. If they’re exposed to the light every day, they’ll eventually crack.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">They’re also vulnerable to harm if the earth beneath them shifts due to water. These incidents would not be covered either since they were not unexpected and the damage might be classified as normal wear and tear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another improbable but potential reason for coverage denial is if your driveway connects to a detached garage or shed where you do business. Your insurer may view it as a part of your home’s structure rather than a part of your business, which necessitates different insurance coverage than a homeowners policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Is Driveway Replacement Or Repair Covered By Homeowners Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you file a claim after your driveway is damaged by a covered risk, your homeowner’s insurance should compensate you for a new one.&nbsp;Let’s imagine your driveway is ripped apart by a tornado or a tree falls on it after a major storm. Both of these scenarios are usually covered by a homeowner’s insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If the damage exceeds your deductible, you can make a claim, and your insurance company will either refund you for the entire driveway or replace the damaged portion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your supplier should also cover debris removal, so you should be covered for removing the old driveway (or the fallen tree that’s on it).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When it comes to replacing your driveway, be sure you understand if your policy will cover the driveway’s real cash value or its replacement cost. Another improbable but potential reason for coverage denial is if your driveway connects to a detached garage or shed where you do business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your insurer may view it as a part of your home’s structure rather than a part of your business, which necessitates different insurance coverage than a homeowners policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Does It Cost To Repair A Damaged Driveway?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you discover that your particular situation isn’t covered by homeowners insurance then you’ll need to come up with the costs yourself. But, how much will this cost you?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The cost to repair a damaged driveway depends on the type of driveway you have. Here are the following overall prices for driveway repair:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Concrete: $300 – $3,000</strong></li><li><strong>Brick: $500 – $1,200</strong></li><li><strong>Heated: $500 – $6,000</strong></li><li><strong>Gravel: $5 – $500</strong></li><li><strong>Asphalt: $250 – $800</strong></li><li><strong>Cobblestone: $600 – $1,200</strong></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Price Per Square Foot For Driveway Repair</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As you can see, the price for driveway repair is highly variable depending on the material that you use. To get a better idea of how much it will cost you, it’s best to figure out the square footage of your driveway:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Concrete</strong><ul><li><strong>Resurfacing</strong>: $3 to $7 per sq ft</li><li><strong>Crack Repair</strong>: $5 to $10 per sq ft</li><li><strong>Sealant</strong>: $8 to $12 per sq ft</li></ul></li><li><strong>Brick</strong><ul><li><strong>Brick Pavers:&nbsp;</strong>$0.50 to $1.80 per brick or $2 to $8 per sq ft</li><li><strong>Tree Removal:&nbsp;</strong>$320 to $800</li></ul></li><li><strong>Heated</strong><ul><li><strong>Radiant heating tubes:&nbsp;</strong>$4 to $12 per sq ft</li><li><strong>Boiler Replacement:&nbsp;</strong>$1,200 to $6,000</li></ul></li><li><strong>Gravel</strong><ul><li><strong>Re-grading:&nbsp;</strong>$0.50 to $2.20 per sq ft</li><li><strong>Resurfacing:&nbsp;</strong>$0.25 to $0.75 per sq ft</li><li><strong>Patchwork:&nbsp;</strong>$2 to $8 per bag of gravel</li></ul></li><li><strong>Asphalt</strong><ul><li><strong>Potholes:</strong>&nbsp;$100 to $400</li><li><strong>Hot and cold patching:</strong>&nbsp;$2 to $5 per sq ft</li><li><strong>Saw-cut Repairs:</strong>&nbsp;$4 to $12 per sq ft</li></ul></li><li><strong>Cobblestone</strong><ul><li><strong>Individual stone replacement:&nbsp;</strong>$8 to $20 per sq ft</li><li><strong>Sand:&nbsp;</strong>$3 to $5 per sq ft</li><li><strong>Re-leveling:&nbsp;</strong>$6 to $12 per sq ft</li></ul></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Knowing the elements of each cost will help you to be able to narrow down the cost for your project. It’s best to estimate this, and if your driveway is at high risk for damage then set aside that amount so you have it in the event that your insurance doesn’t cover the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Related Questions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">Is a driveway regarded as a separate structure?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other Structures – a section of a homeowner’s policy that covers structures on the property that are isolated from the dwelling by a clear area or connected to the dwelling by a fence, utility line, or other similar connection. A detached garage, tool shed, driveway, swimming pool, gazebo, or fence are all examples.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">What kind of damages aren’t covered by homeowner’s insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Damage caused by termites and insects, birds or rodents, rust, rot, mold, and regular wear and tear is not covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Damage from pollution or smoke generated by industrial or agricultural activity is also not covered. If something is poorly manufactured or has a concealed fault, it will almost always be excluded from coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">Is driveway repair covered by homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a covered risk, such as a natural disaster or vandalism, caused the fracture in the driveway, home insurance may cover the cost of repair.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Assume a storm toppled a massive tree, cracking your driveway. In some circumstances, where an unexpected incident occurs, the homeowner’s insurance policy will cover it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://upgradedhome.com/does-homeowners-insurance-cover-driveway-damage/\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Driveway Damage?','','inherit','closed','closed','','3152-revision-v1','','','2023-04-30 05:48:46','2023-04-30 05:48:46','',3152,'http://smartinsurance.tips/?p=3154',0,'revision','',0),(3155,1,'2023-04-30 06:04:43','2023-04-30 06:04:43','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3156,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-2.png\" alt=\"\" class=\"wp-image-3156\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0\">What Is Underinsured Motorist Coverage?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">Underinsured motorist coverage is an addition to your auto insurance policy. It protects you if you\'re in an accident involving someone who doesn\'t have sufficient insurance of their own. In an accident, the insurance of the at-fault person is supposed to compensate the other injured person. If the at-fault party\'s policy has a limit below the cost of the damages, the injured party\'s underinsured motorist coverage would cover the rest.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-3\">Underinsured coverage is not the same as uninsured coverage, which covers cases in which the at-fault driver has no insurance at all, though the two types may be bundled together. A handful of states require underinsured motorist coverage, while more require uninsured motorist coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Underinsured motorist coverage provides protection in case of an accident in which the at-fault driver doesn\'t have enough insurance to cover all damages.</li><li>This kind of coverage is a relatively inexpensive add-on to a regular auto insurance policy and can prove to be beneficial in the case of an accident.</li><li>A few states require drivers to have underinsured motorist coverage, while a greater amount requires uninsured motorist coverage.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-7\">Understanding Underinsured Motorist Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">When a person has an accident which is not their fault, and the other motorist does not have enough insurance to cover the damages, underinsured coverage kicks in. Once you&nbsp;file&nbsp;a claim with your provider, it will contact the other driver\'s insurance for payment. If the other driver did not carry enough insurance to cover your expenses adequately, the underinsured coverage would satisfy, up to the limit of your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">For example, assume you have medical and automobile damages totaling $200,000. The other driver has insurance to cover only $100,000. You can claim the balance against your insurance provider, up to the limit of your policy\'s coverage. You can not request more than the actual costs you had as a direct result of the accident.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">Some insurance providers will have a limit on how long you can wait before you file your underinsured claim. These limits will vary by company and can be as little as 30 days. As the insurance company settles your claim, it will want copies and billings from all medical care received and any automobile repair that resulted from the event. If the insurance provider decides that the costs submitted with the claim are unnecessary—or not related to the accident—it will deny those amounts. If the policyholder disagrees with the decision of the insurance provider, the case will usually go to binding arbitration.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important: Your ability to sue an uninsured or underinsured driver depends on the laws in your state.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-16\">Benefits of Underinsured Motorist Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">​​​​​​​Underinsured motorist coverage is usually a relatively inexpensive add-on to your auto insurance policy cost, but can prove beneficial if you\'re in an accident where the driver who was found to be at fault does not have enough insurance to cover the cost of damages from the crash. This happens much more frequently than one might expect: One in every eight U. S. drivers on the road do not have insurance, reports the Insurance Research Council.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Even if someone does have coverage, they may have only purchased the most basic state-required minimum amount, which varies by state. New Hampshire and Virginia are the only U.S. states that do not require a minimum amount of auto insurance coverage. However, all states have financial responsibility laws, so where there is no insurance requirement, there is a legal obligation to prove you can pay for damages if you cause an accident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">Different types of underinsured motorist coverage are available from most insurance providers. Some coverage will include bodily injury and others will be for property damage, while still others will cover both costs. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/u/underinsured-motorist-coverage.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Underinsured Motorist Coverage: Definition, Example, Benefits','','publish','closed','closed','','underinsured-motorist-coverage-definition-example-benefits','','','2023-04-30 06:04:43','2023-04-30 06:04:43','',0,'http://smartinsurance.tips/?p=3155',0,'post','',0),(3156,1,'2023-04-30 06:01:58','2023-04-30 06:01:58','','Insurance-2','','inherit','closed','closed','','insurance-2-12','','','2023-04-30 06:01:58','2023-04-30 06:01:58','',3155,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-2.png',0,'attachment','image/png',0),(3157,1,'2023-04-30 06:04:43','2023-04-30 06:04:43','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3156,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-2.png\" alt=\"\" class=\"wp-image-3156\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0\">What Is Underinsured Motorist Coverage?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">Underinsured motorist coverage is an addition to your auto insurance policy. It protects you if you\'re in an accident involving someone who doesn\'t have sufficient insurance of their own. In an accident, the insurance of the at-fault person is supposed to compensate the other injured person. If the at-fault party\'s policy has a limit below the cost of the damages, the injured party\'s underinsured motorist coverage would cover the rest.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-3\">Underinsured coverage is not the same as uninsured coverage, which covers cases in which the at-fault driver has no insurance at all, though the two types may be bundled together. A handful of states require underinsured motorist coverage, while more require uninsured motorist coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Underinsured motorist coverage provides protection in case of an accident in which the at-fault driver doesn\'t have enough insurance to cover all damages.</li><li>This kind of coverage is a relatively inexpensive add-on to a regular auto insurance policy and can prove to be beneficial in the case of an accident.</li><li>A few states require drivers to have underinsured motorist coverage, while a greater amount requires uninsured motorist coverage.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-7\">Understanding Underinsured Motorist Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">When a person has an accident which is not their fault, and the other motorist does not have enough insurance to cover the damages, underinsured coverage kicks in. Once you&nbsp;file&nbsp;a claim with your provider, it will contact the other driver\'s insurance for payment. If the other driver did not carry enough insurance to cover your expenses adequately, the underinsured coverage would satisfy, up to the limit of your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">For example, assume you have medical and automobile damages totaling $200,000. The other driver has insurance to cover only $100,000. You can claim the balance against your insurance provider, up to the limit of your policy\'s coverage. You can not request more than the actual costs you had as a direct result of the accident.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">Some insurance providers will have a limit on how long you can wait before you file your underinsured claim. These limits will vary by company and can be as little as 30 days. As the insurance company settles your claim, it will want copies and billings from all medical care received and any automobile repair that resulted from the event. If the insurance provider decides that the costs submitted with the claim are unnecessary—or not related to the accident—it will deny those amounts. If the policyholder disagrees with the decision of the insurance provider, the case will usually go to binding arbitration.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important: Your ability to sue an uninsured or underinsured driver depends on the laws in your state.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-16\">Benefits of Underinsured Motorist Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">​​​​​​​Underinsured motorist coverage is usually a relatively inexpensive add-on to your auto insurance policy cost, but can prove beneficial if you\'re in an accident where the driver who was found to be at fault does not have enough insurance to cover the cost of damages from the crash. This happens much more frequently than one might expect: One in every eight U. S. drivers on the road do not have insurance, reports the Insurance Research Council.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Even if someone does have coverage, they may have only purchased the most basic state-required minimum amount, which varies by state. New Hampshire and Virginia are the only U.S. states that do not require a minimum amount of auto insurance coverage. However, all states have financial responsibility laws, so where there is no insurance requirement, there is a legal obligation to prove you can pay for damages if you cause an accident.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">Different types of underinsured motorist coverage are available from most insurance providers. Some coverage will include bodily injury and others will be for property damage, while still others will cover both costs. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/u/underinsured-motorist-coverage.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Underinsured Motorist Coverage: Definition, Example, Benefits','','inherit','closed','closed','','3155-revision-v1','','','2023-04-30 06:04:43','2023-04-30 06:04:43','',3155,'http://smartinsurance.tips/?p=3157',0,'revision','',0),(3158,1,'2023-04-30 06:10:55','2023-04-30 06:10:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3159,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-3.png\" alt=\"\" class=\"wp-image-3159\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0\">What Is a Good Student Discount?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">The term good student discount refers to an auto insurance policy discount available to young drivers who earn good grades in school. This discount assumes that young drivers who are responsible when it comes to their studies are more likely to be responsible drivers. As a result, they deserve to pay lower insurance premiums since they are less likely than teens with poor grades to file a claim with their insurance company. A good student discount provides an incentive to do well in school, as teenagers face some of the highest insurance premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Good student discounts reward high-school and college-age drivers who earn good grades with lower premiums on their car insurance.</li><li>Individual insurance companies that offer good student discounts set their own guidelines for the level of the discount and requisite grade-point average.</li><li>Premiums are generally higher for young males because they tend to be riskier drivers than young females.</li><li>Completing driver education, driving safely, avoiding accidents and traffic violations, and piggybacking on a parent\'s policy are all good ways for young drivers to keep their premiums low.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-5\">Understanding the Good Student Discount</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Consumers purchase auto insurance policies to protect themselves against damages that stem from crashes and other events. Policyholders are required to pay regular premiums in order to receive coverage. Drivers can file claims to mitigate the costs associated with repairs and vehicle replacement in the event of an accident. Insurance is mandatory in every state except for New Hampshire and Virginia.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">Some insurance companies offer a variety of discounts based on a number of factors, including good student discounts. Companies that offer this program set their own guidelines, including the age range that discounts are offered, the minimum grade point average needed to qualify, and any terms that may disqualify a student during a period of insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Good student discounts—and any other applicable rebates—are a boon to teens and parents in the United States, as teenagers are charged some of the highest insurance premiums compared to other age groups. That\'s because young drivers lack driving experience, are more likely to get into car accidents and commit traffic violations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Policyholders may need to provide proof of eligibility in order to receive or continue receiving a good student discount. For instance, the insurance company may require a school transcript or a report card. For homeschooled students who can’t show a traditional report card, insurers may allow alternative proof, such as SAT scores that are in the top 20% of the national average. As such, good student discounts not only incentivize students to do well in school, they also them and/or their parents save money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important: Some good student discount programs may be combined with others, including driver\'s education discounts and rebates when students are away at school.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-16\">Special Considerations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">While a good student discount is helpful, insurers say the best way for young drivers to keep their premiums low is through safe driving. Avoiding accidents and traffic violations means avoiding the steep increase in premiums that can accompany these events. Being added to a parent’s policy rather than having one’s own policy can also save young drivers money through the multi-car discount.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Contrary to most people\'s belief that men pay more than women do for auto insurance, a 2017 study by the Consumer Federation of America found that the reverse is often true. However, the CFA also found that premiums for 20-year-old women were generally lower than for 20-year-old men. Young men are simply riskier drivers. In one study that analyzed gender and age differences in fatal crashes, male drivers between 15 and 19 were more likely than female drivers of the same age to be:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-21\" class=\"has-black-color has-text-color has-large-font-size\"><li>Involved in fatal crashes</li><li>Speeding and driving outside their lane at the time of the crash</li><li>Drinking alcohol and driving recklessly</li><li>Charged with a serious violation, such as hit-and-run or manslaughter</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">Male teens also tend to drive with more passengers in their cars. And compared with other age groups, teens and young adults often have the lowest rates of seat-belt use. In 2019, 43.1% of U.S. high school students did not always wear a seat belt when riding as passengers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">The following additional tips to keep premiums down for young drivers: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-27\" class=\"has-black-color has-text-color has-large-font-size\"><li>Choose a safe vehicle with electronic stability control</li><li>Opt for higher deductibles</li><li>Complete driver’s education</li><li>Leave your car behind when you go to college</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">You can also look into graduated driver licensing systems, which provide longer practice periods, limit driving under high-risk conditions for newly licensed drivers, and require greater participation from parents as their teens learn to drive. Research suggests that GDL systems, available in all states, can reduce both overall crashes and fatal crashes among 16-year-olds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-31\">Examples of Good Student Discounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">One insurer may offer a 25% discount on premiums to full-time high school and college students who earn good grades—a B average or higher—until age 25. Another insurer may offer a 15% good student discount to unmarried drivers with at least a 3.0-grade point average in high school or college. GEICO, for instance, offers up to 15% on certain coverages for full-time students between the ages of 16 and 24 with a B average or better.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/g/good-student-discount.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Good Student Discount','','publish','closed','closed','','good-student-discount','','','2023-04-30 06:10:55','2023-04-30 06:10:55','',0,'http://smartinsurance.tips/?p=3158',0,'post','',0),(3159,1,'2023-04-30 06:06:41','2023-04-30 06:06:41','','Insurance-3','','inherit','closed','closed','','insurance-3-8','','','2023-04-30 06:06:41','2023-04-30 06:06:41','',3158,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-3.png',0,'attachment','image/png',0),(3160,1,'2023-04-30 06:10:55','2023-04-30 06:10:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3159,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-3.png\" alt=\"\" class=\"wp-image-3159\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0\">What Is a Good Student Discount?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">The term good student discount refers to an auto insurance policy discount available to young drivers who earn good grades in school. This discount assumes that young drivers who are responsible when it comes to their studies are more likely to be responsible drivers. As a result, they deserve to pay lower insurance premiums since they are less likely than teens with poor grades to file a claim with their insurance company. A good student discount provides an incentive to do well in school, as teenagers face some of the highest insurance premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Good student discounts reward high-school and college-age drivers who earn good grades with lower premiums on their car insurance.</li><li>Individual insurance companies that offer good student discounts set their own guidelines for the level of the discount and requisite grade-point average.</li><li>Premiums are generally higher for young males because they tend to be riskier drivers than young females.</li><li>Completing driver education, driving safely, avoiding accidents and traffic violations, and piggybacking on a parent\'s policy are all good ways for young drivers to keep their premiums low.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-5\">Understanding the Good Student Discount</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Consumers purchase auto insurance policies to protect themselves against damages that stem from crashes and other events. Policyholders are required to pay regular premiums in order to receive coverage. Drivers can file claims to mitigate the costs associated with repairs and vehicle replacement in the event of an accident. Insurance is mandatory in every state except for New Hampshire and Virginia.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">Some insurance companies offer a variety of discounts based on a number of factors, including good student discounts. Companies that offer this program set their own guidelines, including the age range that discounts are offered, the minimum grade point average needed to qualify, and any terms that may disqualify a student during a period of insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Good student discounts—and any other applicable rebates—are a boon to teens and parents in the United States, as teenagers are charged some of the highest insurance premiums compared to other age groups. That\'s because young drivers lack driving experience, are more likely to get into car accidents and commit traffic violations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Policyholders may need to provide proof of eligibility in order to receive or continue receiving a good student discount. For instance, the insurance company may require a school transcript or a report card. For homeschooled students who can’t show a traditional report card, insurers may allow alternative proof, such as SAT scores that are in the top 20% of the national average. As such, good student discounts not only incentivize students to do well in school, they also them and/or their parents save money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important: Some good student discount programs may be combined with others, including driver\'s education discounts and rebates when students are away at school.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-16\">Special Considerations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">While a good student discount is helpful, insurers say the best way for young drivers to keep their premiums low is through safe driving. Avoiding accidents and traffic violations means avoiding the steep increase in premiums that can accompany these events. Being added to a parent’s policy rather than having one’s own policy can also save young drivers money through the multi-car discount.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Contrary to most people\'s belief that men pay more than women do for auto insurance, a 2017 study by the Consumer Federation of America found that the reverse is often true. However, the CFA also found that premiums for 20-year-old women were generally lower than for 20-year-old men. Young men are simply riskier drivers. In one study that analyzed gender and age differences in fatal crashes, male drivers between 15 and 19 were more likely than female drivers of the same age to be:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-21\" class=\"has-black-color has-text-color has-large-font-size\"><li>Involved in fatal crashes</li><li>Speeding and driving outside their lane at the time of the crash</li><li>Drinking alcohol and driving recklessly</li><li>Charged with a serious violation, such as hit-and-run or manslaughter</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">Male teens also tend to drive with more passengers in their cars. And compared with other age groups, teens and young adults often have the lowest rates of seat-belt use. In 2019, 43.1% of U.S. high school students did not always wear a seat belt when riding as passengers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">The following additional tips to keep premiums down for young drivers: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-27\" class=\"has-black-color has-text-color has-large-font-size\"><li>Choose a safe vehicle with electronic stability control</li><li>Opt for higher deductibles</li><li>Complete driver’s education</li><li>Leave your car behind when you go to college</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">You can also look into graduated driver licensing systems, which provide longer practice periods, limit driving under high-risk conditions for newly licensed drivers, and require greater participation from parents as their teens learn to drive. Research suggests that GDL systems, available in all states, can reduce both overall crashes and fatal crashes among 16-year-olds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-31\">Examples of Good Student Discounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">One insurer may offer a 25% discount on premiums to full-time high school and college students who earn good grades—a B average or higher—until age 25. Another insurer may offer a 15% good student discount to unmarried drivers with at least a 3.0-grade point average in high school or college. GEICO, for instance, offers up to 15% on certain coverages for full-time students between the ages of 16 and 24 with a B average or better.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/g/good-student-discount.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Good Student Discount','','inherit','closed','closed','','3158-revision-v1','','','2023-04-30 06:10:55','2023-04-30 06:10:55','',3158,'http://smartinsurance.tips/?p=3160',0,'revision','',0),(3161,1,'2023-04-30 06:13:47','2023-04-30 06:13:47','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Aggressive driving can lead to accidents—and compromised coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3162,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-4.png\" alt=\"\" class=\"wp-image-3162\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Road rage incidents are not only dangerous, they are exempted from coverage by many auto insurance policies. Understand your risks and take precautionary measures to avoid being a victim—or a cause—of aggressive driving accidents.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Crowded highways and traffic backups at times cause drivers to lose control and become extremely aggressive. Road rage is a real problem that can lead to serious accidents or even incidents of violence on the road.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It\'s important to realize that road rage is listed as an exemption in many auto insurance policies. This is because any damage or liability stemming from aggressive driving isn\'t considered an accident but rather as having been caused by risky behavior.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Rather than risk paying the consequences of road rage—one of which may be not having your auto insurance claim paid—it\'s best to avoid a dangerous and costly aggressive driving incident in the first place.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>If you encounter an aggressive driver on the road…&nbsp;&nbsp;&nbsp;&nbsp;<strong>&nbsp;</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Stay as far away as possible.&nbsp;</strong>Slow down or change lanes if need be, let the driver pass you and give yourself room at intersections to drive away.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Record a description of the car and note the license plate number&nbsp;</strong>if possible so that you can report him or her to the police for the sake of everyone\'s safety.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Do not engage with or challenge the offender in any way.&nbsp;</strong>Ignore the driver\'s rudeness and don\'t give into the temptation to react in kind or you might escalate the risky behavior.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Put your safety first.&nbsp;</strong>If an aggressive driver starts to follow you, keep your doors locked, and head to the nearest police station.&nbsp;Never stop and confront an aggressive driver.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>If you have a short fuse yourself stay cool and…</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Leave plenty of time to get where you need to go.</strong>&nbsp;When you\'re in a hurry, your patience is short and you are much more likely to become aggravated.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Remember other drivers are not annoying you on purpose</strong>. People make mistakes or they might be driving more slowly for a reason—they might be lost, or their sight might be impaired by sun glare.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t use hand—or single finger—gestures</strong>&nbsp;other than a wave to someone who lets you into your lane.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t tailgate slow drivers.&nbsp;</strong>Hanging on another car\'s back bumper is dangerous. If the car in front of you has to stop short and you rear-end it, the accident would be considered your fault.&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t honk your horn insistently</strong>. Leaning on your horn is a bad practice. While it might make you feel better to express your frustration in a traffic jam, it won\'t make anyone go any faster, it\'s annoying to other drivers and passengers and it increases everyone’s stress level, which may lead to more aggressive behavior.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Never stop to confront another driver</strong>. It could lead to a dangerous situation for all concerned.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.iii.org/article/road-rage-and-auto-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','Road Rage and Auto Insurance','','publish','closed','closed','','road-rage-and-auto-insurance','','','2023-04-30 06:13:47','2023-04-30 06:13:47','',0,'http://smartinsurance.tips/?p=3161',0,'post','',0),(3162,1,'2023-04-30 06:12:17','2023-04-30 06:12:17','','Insurance-4','','inherit','closed','closed','','insurance-4-9','','','2023-04-30 06:12:17','2023-04-30 06:12:17','',3161,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-4.png',0,'attachment','image/png',0),(3163,1,'2023-04-30 06:13:47','2023-04-30 06:13:47','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Aggressive driving can lead to accidents—and compromised coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3162,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-4.png\" alt=\"\" class=\"wp-image-3162\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Road rage incidents are not only dangerous, they are exempted from coverage by many auto insurance policies. Understand your risks and take precautionary measures to avoid being a victim—or a cause—of aggressive driving accidents.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Crowded highways and traffic backups at times cause drivers to lose control and become extremely aggressive. Road rage is a real problem that can lead to serious accidents or even incidents of violence on the road.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It\'s important to realize that road rage is listed as an exemption in many auto insurance policies. This is because any damage or liability stemming from aggressive driving isn\'t considered an accident but rather as having been caused by risky behavior.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Rather than risk paying the consequences of road rage—one of which may be not having your auto insurance claim paid—it\'s best to avoid a dangerous and costly aggressive driving incident in the first place.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>If you encounter an aggressive driver on the road…&nbsp;&nbsp;&nbsp;&nbsp;<strong>&nbsp;</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Stay as far away as possible.&nbsp;</strong>Slow down or change lanes if need be, let the driver pass you and give yourself room at intersections to drive away.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Record a description of the car and note the license plate number&nbsp;</strong>if possible so that you can report him or her to the police for the sake of everyone\'s safety.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Do not engage with or challenge the offender in any way.&nbsp;</strong>Ignore the driver\'s rudeness and don\'t give into the temptation to react in kind or you might escalate the risky behavior.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Put your safety first.&nbsp;</strong>If an aggressive driver starts to follow you, keep your doors locked, and head to the nearest police station.&nbsp;Never stop and confront an aggressive driver.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>If you have a short fuse yourself stay cool and…</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Leave plenty of time to get where you need to go.</strong>&nbsp;When you\'re in a hurry, your patience is short and you are much more likely to become aggravated.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Remember other drivers are not annoying you on purpose</strong>. People make mistakes or they might be driving more slowly for a reason—they might be lost, or their sight might be impaired by sun glare.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t use hand—or single finger—gestures</strong>&nbsp;other than a wave to someone who lets you into your lane.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t tailgate slow drivers.&nbsp;</strong>Hanging on another car\'s back bumper is dangerous. If the car in front of you has to stop short and you rear-end it, the accident would be considered your fault.&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Don\'t honk your horn insistently</strong>. Leaning on your horn is a bad practice. While it might make you feel better to express your frustration in a traffic jam, it won\'t make anyone go any faster, it\'s annoying to other drivers and passengers and it increases everyone’s stress level, which may lead to more aggressive behavior.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Never stop to confront another driver</strong>. It could lead to a dangerous situation for all concerned.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.iii.org/article/road-rage-and-auto-insurance\">click here.</a></p>\n<!-- /wp:paragraph -->','Road Rage and Auto Insurance','','inherit','closed','closed','','3161-revision-v1','','','2023-04-30 06:13:47','2023-04-30 06:13:47','',3161,'http://smartinsurance.tips/?p=3163',0,'revision','',0),(3164,1,'2023-04-30 06:16:59','2023-04-30 06:16:59','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3165,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-5.png\" alt=\"\" class=\"wp-image-3165\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are advantages to being an older driver if you know the facts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Senior drivers on the road</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In general, drivers over the age of 55 are more courteous, and more likely to obey speed limits and follow the rules of the road. And those who are retirees often drive many fewer miles than when they commuted to work on a daily basis.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Perhaps because of physical changes associated with age that affect eyesight, hearing and cognitive ability, senior drivers tend to be more cautious. For example, they might take safer back roads to avoid congestion on major thoroughfares; they may steer clear of rush-hour traffic. An older person is also more likely to avoid driving altogether when weather conditions are less than ideal, such as during a rainstorm or at night when visibility will be hampered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>Senior drivers can reduce car insurance costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because they are in the car less and generally exhibit safe driving behaviors, most insurers companies offer&nbsp;auto insurance&nbsp;discounts to drivers over 55. Some discounts are associated with age; others discounts are earned upon completion of approved accident prevention courses for senior drivers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you\'re over 55, check with your insurance professional for suggestions about other courses in your state that might qualify you for older driver discounts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>When seniors should stop driving</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Unfortunately, per miles driven, there\'s a higher mortality rate of senior drivers in car crashes. This is primarily due to the fact that it is harder for senior drivers to survive a serious collision, so knowing the right moment to stop driving is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In many cases, senior drivers decide to stop driving when they recognize that their confidence has waned. Others may not realize that declining health, impaired senses or medication have adversely affected their driving skills and may comprise their safety or the safety of others.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For many seniors, it can be psychologically traumatic to give up the self-sufficiency of being able to get oneself from place to place. When an aging relative’s driving may put him or her or others at risk, family members often have to intervene.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Convincing a senior that he or she needs to give up the independence of driving needs to be done in a supportive, positive way that deals with the emotional aspect and offers practical transportation alternatives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One resource that provides guidance for this difficult conversation is a downloadable PDF entitled \"We Need to Talk,\" developed by The Hartford Insurance Company and the MIT AgeLab. From reading the signals that it\'s time for a senior to stop driving to tips on having the frank discussion to suggestions of viable transportation alternatives, the booklet is designed to address both the facts and the strong feelings that may arise when it’s time to put the keys away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.iii.org/article/senior-driving-safety-and-insurance-tips\">click here.</a></p>\n<!-- /wp:paragraph -->','Senior Driving Safety and Insurance Tips','','publish','closed','closed','','senior-driving-safety-and-insurance-tips','','','2023-04-30 06:17:59','2023-04-30 06:17:59','',0,'http://smartinsurance.tips/?p=3164',0,'post','',0),(3165,1,'2023-04-30 06:14:56','2023-04-30 06:14:56','','Insurance-5','','inherit','closed','closed','','insurance-5-12','','','2023-04-30 06:14:56','2023-04-30 06:14:56','',3164,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-5.png',0,'attachment','image/png',0),(3166,1,'2023-04-30 06:16:59','2023-04-30 06:16:59','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3165,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-5.png\" alt=\"\" class=\"wp-image-3165\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>There are advantages to being an older driver if you know the facts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Senior drivers on the road</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In general, drivers over the age of 55 are more courteous, and more likely to obey speed limits and follow the rules of the road. And those who are retirees often drive many fewer miles than when they commuted to work on a daily basis.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Perhaps because of physical changes associated with age that affect eyesight, hearing and cognitive ability, senior drivers tend to be more cautious. For example, they might take safer back roads to avoid congestion on major thoroughfares; they may steer clear of rush-hour traffic. An older person is also more likely to avoid driving altogether when weather conditions are less than ideal, such as during a rainstorm or at night when visibility will be hampered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><a></a>Senior drivers can reduce car insurance costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Because they are in the car less and generally exhibit safe driving behaviors, most insurers companies offer auto insurance discounts to drivers over 55. Some discounts are associated with age; others discounts are earned upon completion of approved accident prevention courses for senior drivers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you\'re over 55, check with your insurance professional for suggestions about other courses in your state that might qualify you for older driver discounts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><a></a>When seniors should stop driving</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Unfortunately, per miles driven, there\'s a higher mortality rate of senior drivers in car crashes. This is primarily due to the fact that it is harder for senior drivers to survive a serious collision, so knowing the right moment to stop driving is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In many cases, senior drivers decide to stop driving when they recognize that their confidence has waned. Others may not realize that declining health, impaired senses or medication have adversely affected their driving skills and may comprise their safety or the safety of others.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For many seniors, it can be psychologically traumatic to give up the self-sufficiency of being able to get oneself from place to place. When an aging relative’s driving may put him or her or others at risk, family members often have to intervene.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Convincing a senior that he or she needs to give up the independence of driving needs to be done in a supportive, positive way that deals with the emotional aspect and offers practical transportation alternatives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>One resource that provides guidance for this difficult conversation is a downloadable PDF entitled \"We Need to Talk,\" developed by The Hartford Insurance Company and the MIT AgeLab. From reading the signals that it\'s time for a senior to stop driving to tips on having the frank discussion to suggestions of viable transportation alternatives, the booklet is designed to address both the facts and the strong feelings that may arise when it’s time to put the keys away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.iii.org/article/senior-driving-safety-and-insurance-tips\">click here.</a></p>\n<!-- /wp:paragraph -->','Senior Driving Safety and Insurance Tips','','inherit','closed','closed','','3164-revision-v1','','','2023-04-30 06:16:59','2023-04-30 06:16:59','',3164,'http://smartinsurance.tips/?p=3166',0,'revision','',0),(3167,1,'2023-04-30 06:17:59','2023-04-30 06:17:59','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3165,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-5.png\" alt=\"\" class=\"wp-image-3165\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are advantages to being an older driver if you know the facts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Senior drivers on the road</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In general, drivers over the age of 55 are more courteous, and more likely to obey speed limits and follow the rules of the road. And those who are retirees often drive many fewer miles than when they commuted to work on a daily basis.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Perhaps because of physical changes associated with age that affect eyesight, hearing and cognitive ability, senior drivers tend to be more cautious. For example, they might take safer back roads to avoid congestion on major thoroughfares; they may steer clear of rush-hour traffic. An older person is also more likely to avoid driving altogether when weather conditions are less than ideal, such as during a rainstorm or at night when visibility will be hampered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>Senior drivers can reduce car insurance costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because they are in the car less and generally exhibit safe driving behaviors, most insurers companies offer&nbsp;auto insurance&nbsp;discounts to drivers over 55. Some discounts are associated with age; others discounts are earned upon completion of approved accident prevention courses for senior drivers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you\'re over 55, check with your insurance professional for suggestions about other courses in your state that might qualify you for older driver discounts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><a></a>When seniors should stop driving</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Unfortunately, per miles driven, there\'s a higher mortality rate of senior drivers in car crashes. This is primarily due to the fact that it is harder for senior drivers to survive a serious collision, so knowing the right moment to stop driving is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In many cases, senior drivers decide to stop driving when they recognize that their confidence has waned. Others may not realize that declining health, impaired senses or medication have adversely affected their driving skills and may comprise their safety or the safety of others.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For many seniors, it can be psychologically traumatic to give up the self-sufficiency of being able to get oneself from place to place. When an aging relative’s driving may put him or her or others at risk, family members often have to intervene.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Convincing a senior that he or she needs to give up the independence of driving needs to be done in a supportive, positive way that deals with the emotional aspect and offers practical transportation alternatives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One resource that provides guidance for this difficult conversation is a downloadable PDF entitled \"We Need to Talk,\" developed by The Hartford Insurance Company and the MIT AgeLab. From reading the signals that it\'s time for a senior to stop driving to tips on having the frank discussion to suggestions of viable transportation alternatives, the booklet is designed to address both the facts and the strong feelings that may arise when it’s time to put the keys away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.iii.org/article/senior-driving-safety-and-insurance-tips\">click here.</a></p>\n<!-- /wp:paragraph -->','Senior Driving Safety and Insurance Tips','','inherit','closed','closed','','3164-revision-v1','','','2023-04-30 06:17:59','2023-04-30 06:17:59','',3164,'http://smartinsurance.tips/?p=3167',0,'revision','',0),(3168,1,'2023-04-30 06:21:58','2023-04-30 06:21:58','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3169,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-6.png\" alt=\"\" class=\"wp-image-3169\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mopeds and scooters can make commuting a breeze. With small engines and compact frames, you can zip around town around town without guzzling gas or struggling to find a good parking space.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But for all the convenience of a moped or scooter, it could come with an extra cost: You may need to buy insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is a Moped or Scooter?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mopeds and scooters are small, two-wheeled vehicles that are powered by gasoline engines.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Mopeds</strong>&nbsp;typically have an engine that is under 50 cubic centimeters (50cc) and are not intended for highway travel. Top speed usually does not exceed 30 mph.</li><li><strong>Scooters</strong>&nbsp;often have larger engines that exceed 50cc (sometimes up to 250cc) and the most powerful ones can reach speeds up to 75 mph. But even then you may not be able to ride your scooter on a highway, depending on your state’s engine size and horsepower minimums.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mopeds and scooters should not be confused with the e-scooters commonly seen on the streets and sidewalks of many U.S. cities. E-scooters are typically battery-powered, don’t require a driver’s license and often can’t surpass 15 to 20 pmh. Since e-scooters typically require users to stand, they may be excluded from moped, scooter and motorcycle insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Do I Need Moped or Scooter Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most states require you to have liability auto insurance in order to ride your moped or scooter on public roads if it has an engine size of 50cc or larger or can reach a top speed of 30 mph or more. If your moped is under 50cc or cannot reach 30 mph, you will most likely not be required to get insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A car insurance policy isn’t right for a moped or scooter. Some insurers cover mopeds and scooters under their motorcycle insurance policies. Other insurers offer separate policies for mopeds or scooters. If you lease or finance a moped or scooter, the lender or leasing company will likely require that you insure it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Does Moped and Scooter Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Generally, moped and scooter insurance has coverage types similar to motorcycle and car insurance, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Bodily injury and property damage liability.</strong>&nbsp;This covers property damage and injuries you do to others.</li><li><strong>Collision and comprehensive insurance.</strong>&nbsp;These are two separate coverage types that are often sold together. Collision coverage pays for repairs if you damage your moped or scooter in an accident. Comprehensive insurance covers problems like theft, vandalism, flood, fire and collisions with animals. If you have a lease or loan, your leasing company or lender will likely require you to carry these coverage types.</li><li><strong>Carried contents and belongings.</strong>&nbsp;This covers your belongings that are damaged, stolen or lost while you’re riding the moped or scooter.</li><li><strong>Medical payments.</strong>&nbsp;If you get into an accident, this covers medical bills and funeral costs for you and your passengers, no matter who was at fault.</li><li><strong>Uninsured or underinsured motorists.</strong>&nbsp;This pays for your medical bills, lost income and other expenses if someone crashes into you and they do not carry liability insurance or have inadequate coverage.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Moped and Scooter Insurance Discounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When you insure a moped or scooter you may be able to score a discount such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Multi-policy discount.</strong> Bundling insurance is when you buy two or more policies from one insurance company and get a discount. You may be able to bundle moped or scooter coverage with another insurance type, such as auto, home, RV or boat insurance.</li><li><strong>Multi-vehicle discount.</strong> When you insure more than one vehicle, such as a car, motorcycle, moped, ATV or snowmobile, you may get a discount. You might also qualify for a multi-vehicle discount if you insure at least two mopeds or scooters.</li><li><strong>Safety discount.</strong> If you take an approved moped or scooter safety course, you may be able to pick up a discount.</li><li><strong>Storage discount.</strong> Some companies give discounts if you keep the moped or scooter in a garage.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Is Moped and Scooter Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Moped and scooter insurance is relatively cheap compared to car insurance. For example, scooter insurance through Progressive is as low as $79 a year for basic liability insurance. Your cost for moped and scooter insurance depends on factors such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Model of scooter or moped and engine size</li><li>Where you live</li><li>Your age and driving record</li><li>Mileage</li><li>Years of riding experience</li><li>Coverage you choose</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/moped-and-scooter-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->','What To Know About Moped And Scooter Insurance','','publish','closed','closed','','what-to-know-about-moped-and-scooter-insurance','','','2023-04-30 06:21:58','2023-04-30 06:21:58','',0,'http://smartinsurance.tips/?p=3168',0,'post','',0),(3169,1,'2023-04-30 06:19:18','2023-04-30 06:19:18','','Insurance-6','','inherit','closed','closed','','insurance-6-12','','','2023-04-30 06:19:18','2023-04-30 06:19:18','',3168,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-6.png',0,'attachment','image/png',0),(3170,1,'2023-04-30 06:21:58','2023-04-30 06:21:58','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3169,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-6.png\" alt=\"\" class=\"wp-image-3169\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mopeds and scooters can make commuting a breeze. With small engines and compact frames, you can zip around town around town without guzzling gas or struggling to find a good parking space.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But for all the convenience of a moped or scooter, it could come with an extra cost: You may need to buy insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is a Moped or Scooter?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mopeds and scooters are small, two-wheeled vehicles that are powered by gasoline engines.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Mopeds</strong>&nbsp;typically have an engine that is under 50 cubic centimeters (50cc) and are not intended for highway travel. Top speed usually does not exceed 30 mph.</li><li><strong>Scooters</strong>&nbsp;often have larger engines that exceed 50cc (sometimes up to 250cc) and the most powerful ones can reach speeds up to 75 mph. But even then you may not be able to ride your scooter on a highway, depending on your state’s engine size and horsepower minimums.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mopeds and scooters should not be confused with the e-scooters commonly seen on the streets and sidewalks of many U.S. cities. E-scooters are typically battery-powered, don’t require a driver’s license and often can’t surpass 15 to 20 pmh. Since e-scooters typically require users to stand, they may be excluded from moped, scooter and motorcycle insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Do I Need Moped or Scooter Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most states require you to have liability auto insurance in order to ride your moped or scooter on public roads if it has an engine size of 50cc or larger or can reach a top speed of 30 mph or more. If your moped is under 50cc or cannot reach 30 mph, you will most likely not be required to get insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A car insurance policy isn’t right for a moped or scooter. Some insurers cover mopeds and scooters under their motorcycle insurance policies. Other insurers offer separate policies for mopeds or scooters. If you lease or finance a moped or scooter, the lender or leasing company will likely require that you insure it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Does Moped and Scooter Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Generally, moped and scooter insurance has coverage types similar to motorcycle and car insurance, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Bodily injury and property damage liability.</strong>&nbsp;This covers property damage and injuries you do to others.</li><li><strong>Collision and comprehensive insurance.</strong>&nbsp;These are two separate coverage types that are often sold together. Collision coverage pays for repairs if you damage your moped or scooter in an accident. Comprehensive insurance covers problems like theft, vandalism, flood, fire and collisions with animals. If you have a lease or loan, your leasing company or lender will likely require you to carry these coverage types.</li><li><strong>Carried contents and belongings.</strong>&nbsp;This covers your belongings that are damaged, stolen or lost while you’re riding the moped or scooter.</li><li><strong>Medical payments.</strong>&nbsp;If you get into an accident, this covers medical bills and funeral costs for you and your passengers, no matter who was at fault.</li><li><strong>Uninsured or underinsured motorists.</strong>&nbsp;This pays for your medical bills, lost income and other expenses if someone crashes into you and they do not carry liability insurance or have inadequate coverage.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Moped and Scooter Insurance Discounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When you insure a moped or scooter you may be able to score a discount such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Multi-policy discount.</strong> Bundling insurance is when you buy two or more policies from one insurance company and get a discount. You may be able to bundle moped or scooter coverage with another insurance type, such as auto, home, RV or boat insurance.</li><li><strong>Multi-vehicle discount.</strong> When you insure more than one vehicle, such as a car, motorcycle, moped, ATV or snowmobile, you may get a discount. You might also qualify for a multi-vehicle discount if you insure at least two mopeds or scooters.</li><li><strong>Safety discount.</strong> If you take an approved moped or scooter safety course, you may be able to pick up a discount.</li><li><strong>Storage discount.</strong> Some companies give discounts if you keep the moped or scooter in a garage.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Is Moped and Scooter Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Moped and scooter insurance is relatively cheap compared to car insurance. For example, scooter insurance through Progressive is as low as $79 a year for basic liability insurance. Your cost for moped and scooter insurance depends on factors such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Model of scooter or moped and engine size</li><li>Where you live</li><li>Your age and driving record</li><li>Mileage</li><li>Years of riding experience</li><li>Coverage you choose</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/moped-and-scooter-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->','What To Know About Moped And Scooter Insurance','','inherit','closed','closed','','3168-revision-v1','','','2023-04-30 06:21:58','2023-04-30 06:21:58','',3168,'http://smartinsurance.tips/?p=3170',0,'revision','',0),(3171,1,'2023-04-30 06:30:21','2023-04-30 06:30:21','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3172,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png\" alt=\"\" class=\"wp-image-3172\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re shopping for pet insurance, it’s important to understand the limitations of the policy—such as treatment for pre-existing conditions, which can add up.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Just like car insurance, which doesn’t cover accidents before coverage begins, pet insurance typically won’t cover any expenses related to ailments or injuries that are already present. Knowing what counts as a “pre-existing condition” is crucial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Does Pet Insurance Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Due to the cost of treating pre-existing conditions, and the relatively short lifetime of a pet (dogs live on average 10 to 13 years depending on the breed), pet insurance generally excludes pre-existing conditions from coverage. It’s a numbers problem: Pet insurers don’t have the luxury of charging many years of premiums in order to offset claims payments for pre-existing conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pet insurance companies&nbsp;usually consider a pre-existing condition to be an illness or injury that started prior to coverage beginning, including any waiting period.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“It’s important to point out that even if the pet wasn’t diagnosed with an injury or illness, an insurer may still deny coverage if they were showing any signs or symptoms of one prior to coverage starting,” says Alex Stone, founder Petinsurer.com, a pet insurance comparison provider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if your dog was limping before your waiting period and coverage started, treatment for the leg wouldn’t be covered by the plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Are Pet Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some pet insurance companies put pre-existing conditions into two buckets: curable and incurable conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Curable pre-existing conditions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. ASPCA’s pet insurance plan will not consider a condition “pre-existing” if it’s curable and there are no symptoms for 180 days (excluding knee and ligament conditions). If the condition recurs after 180 days, it can be covered like a new problem.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some examples of curable conditions include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Bladder infections</li><li>Diarrhea</li><li>Ear infections</li><li>Respiratory infections</li><li>Urinary tract infections</li><li>Vomiting</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Incurable pre-existing conditions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">On the other hand, there are pre-existing conditions that pet insurance companies consider incurable, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Allergies</li><li>Arthritis</li><li>Bladder crystals</li><li>Cancer</li><li>Diabetes</li><li>Epilepsy</li><li>Heart disease</li><li>Hip dysplasia</li><li>Kidney disease</li><li>Orthopedic conditions</li><li>Urinary blockages</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\"} -->\n<p class=\"has-black-color has-text-color\">Many of these conditions require repeat veterinarian visits, ongoing medication and sometimes even surgery. Incurable pre-existing conditions won’t be covered by pet insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Pay Close Attention to Bilateral Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A bilateral illness or injury is a condition that impacts the left and right sides of the body, such as hip dysplasia or a cruciate ligament tear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Since there is a greater chance of a pet experiencing the same condition on the opposite side of their body, many insurance companies have bilateral exclusions in their policies. In other words, if your pet had treatment on one side of its body before the policy started, then the other side won’t be covered later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your pet experiences a bilateral condition after coverage starts, it’ll be covered just fine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to Determine What Pet Conditions are Insurable</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As a pet owner, you may struggle to identify what qualifies as a pre-existing condition and what your pet insurance plan will cover. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Medical history reviews are designed to pinpoint any conditions that your policy won’t cover. You’ll know exactly what expenses you’ll be responsible for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The medical review will take place after you apply for a policy. Once the review is complete, the insurers will often give you the option to cancel if you feel the coverage isn’t sufficient for your pet’s needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Finding the Right Insurance for a Pet with Pre-Existing Issues</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even if your pet has a pre-existing condition, you can still obtain pet insurance and it will cover conditions not related to the pre-existing condition. Here are things to keep in mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Be a proactive pet owner.</strong>&nbsp;“You’ll want to take care of the injury or illness as soon as possible, so the matter doesn’t worsen, resulting in astronomical vet bills. Taking the proper precautions can help prevent other accidents or illnesses from appearing due to the condition,” says Stone.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Keep up to date with your pet’s vaccinations.</strong>&nbsp;The last thing you want is your pet to get sick because you didn’t keep them up-to-date with their shots. Many insurers will deny a claim if your pet becomes ill because they weren’t vaccinated according to your veterinarian’s guidance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Compare pet insurance policies</strong>&nbsp;Even though pet insurance won’t cover incurable pre-existing conditions, you can find suitable coverage to handle other medical expenses. Compare the obvious things like monthly price and deductible, but also look at other factors such as waiting periods and whether coverage is reduced when your pet gets older.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“When you select an insurance provider for your pet, you’re really trusting the provider to be your pet’s partner for life. This is really important when it comes to making a claim because if you switch to another pet insurance provider during your pet’s lifetime, then any claims with your previous insurer will be treated as pre-existing by the new provider, and therefore wouldn’t be covered,” Stone says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Which Pet Insurance Companies Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Generally, pet insurance companies do not cover incurable pre-existing conditions such as cancer, diabetes and hip dysplasia. But some pet insurance companies will cover what are considered “curable” pre-existing conditions, such as bladder infections, diarrhea and ear infections.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.forbes.com/advisor/pet-insurance/pet-pre-existing-conditions/\">click here.</a></p>\n<!-- /wp:paragraph -->','Pet Insurance That Covers Pre-Existing Conditions','','publish','closed','closed','','pet-insurance-that-covers-pre-existing-conditions','','','2023-04-30 06:31:52','2023-04-30 06:31:52','',0,'http://smartinsurance.tips/?p=3171',0,'post','',0),(3172,1,'2023-04-30 06:23:23','2023-04-30 06:23:23','','Insurance-7','','inherit','closed','closed','','insurance-7-12','','','2023-04-30 06:23:23','2023-04-30 06:23:23','',3171,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png',0,'attachment','image/png',0),(3173,1,'2023-04-30 06:30:21','2023-04-30 06:30:21','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3172,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png\" alt=\"\" class=\"wp-image-3172\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re shopping for pet insurance, it’s important to understand the limitations of the policy—such as treatment for pre-existing conditions, which can add up.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Just like car insurance, which doesn’t cover accidents before coverage begins, pet insurance typically won’t cover any expenses related to ailments or injuries that are already present. Knowing what counts as a “pre-existing condition” is crucial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Does Pet Insurance Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Due to the cost of treating pre-existing conditions, and the relatively short lifetime of a pet (dogs live on average 10 to 13 years depending on the breed), pet insurance generally excludes pre-existing conditions from coverage. It’s a numbers problem: Pet insurers don’t have the luxury of charging many years of premiums in order to offset claims payments for pre-existing conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pet insurance companies usually consider a pre-existing condition to be an illness or injury that started prior to coverage beginning, including any waiting period.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“It’s important to point out that even if the pet wasn’t diagnosed with an injury or illness, an insurer may still deny coverage if they were showing any signs or symptoms of one prior to coverage starting,” says Alex Stone, founder Petinsurer.com, a pet insurance comparison provider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if your dog was limping before your waiting period and coverage started, treatment for the leg wouldn’t be covered by the plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Are Pet Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some pet insurance companies put pre-existing conditions into two buckets: curable and incurable conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Curable pre-existing conditions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. ASPCA’s pet insurance plan will not consider a condition “pre-existing” if it’s curable and there are no symptoms for 180 days (excluding knee and ligament conditions). If the condition recurs after 180 days, it can be covered like a new problem.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some examples of curable conditions include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Bladder infections</li><li>Diarrhea</li><li>Ear infections</li><li>Respiratory infections</li><li>Urinary tract infections</li><li>Vomiting</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Incurable pre-existing conditions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">On the other hand, there are pre-existing conditions that pet insurance companies consider incurable, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Allergies</li><li>Arthritis</li><li>Bladder crystals</li><li>Cancer</li><li>Diabetes</li><li>Epilepsy</li><li>Heart disease</li><li>Hip dysplasia</li><li>Kidney disease</li><li>Orthopedic conditions</li><li>Urinary blockages</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\"} -->\n<p class=\"has-black-color has-text-color\">Many of these conditions require repeat veterinarian visits, ongoing medication and sometimes even surgery. Incurable pre-existing conditions won’t be covered by pet insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Pay Close Attention to Bilateral Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A bilateral illness or injury is a condition that impacts the left and right sides of the body, such as hip dysplasia or a cruciate ligament tear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Since there is a greater chance of a pet experiencing the same condition on the opposite side of their body, many insurance companies have bilateral exclusions in their policies. In other words, if your pet had treatment on one side of its body before the policy started, then the other side won’t be covered later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your pet experiences a bilateral condition after coverage starts, it’ll be covered just fine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to Determine What Pet Conditions are Insurable</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As a pet owner, you may struggle to identify what qualifies as a pre-existing condition and what your pet insurance plan will cover. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Medical history reviews are designed to pinpoint any conditions that your policy won’t cover. You’ll know exactly what expenses you’ll be responsible for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The medical review will take place after you apply for a policy. Once the review is complete, the insurers will often give you the option to cancel if you feel the coverage isn’t sufficient for your pet’s needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Finding the Right Insurance for a Pet with Pre-Existing Issues</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even if your pet has a pre-existing condition, you can still obtain pet insurance and it will cover conditions not related to the pre-existing condition. Here are things to keep in mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Be a proactive pet owner.</strong>&nbsp;“You’ll want to take care of the injury or illness as soon as possible, so the matter doesn’t worsen, resulting in astronomical vet bills. Taking the proper precautions can help prevent other accidents or illnesses from appearing due to the condition,” says Stone.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Keep up to date with your pet’s vaccinations.</strong>&nbsp;The last thing you want is your pet to get sick because you didn’t keep them up-to-date with their shots. Many insurers will deny a claim if your pet becomes ill because they weren’t vaccinated according to your veterinarian’s guidance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Compare pet insurance policies</strong>&nbsp;Even though pet insurance won’t cover incurable pre-existing conditions, you can find suitable coverage to handle other medical expenses. Compare the obvious things like monthly price and deductible, but also look at other factors such as waiting periods and whether coverage is reduced when your pet gets older.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“When you select an insurance provider for your pet, you’re really trusting the provider to be your pet’s partner for life. This is really important when it comes to making a claim because if you switch to another pet insurance provider during your pet’s lifetime, then any claims with your previous insurer will be treated as pre-existing by the new provider, and therefore wouldn’t be covered,” Stone says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Which Pet Insurance Companies Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Generally, pet insurance companies do not cover incurable pre-existing conditions such as cancer, diabetes and hip dysplasia. But some pet insurance companies will cover what are considered “curable” pre-existing conditions, such as bladder infections, diarrhea and ear infections.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/pet-insurance/pet-pre-existing-conditions/\">click here.</a></p>\n<!-- /wp:paragraph -->','Pet Insurance That Covers Pre-Existing Conditions','','inherit','closed','closed','','3171-revision-v1','','','2023-04-30 06:30:21','2023-04-30 06:30:21','',3171,'http://smartinsurance.tips/?p=3173',0,'revision','',0),(3174,1,'2023-04-30 06:31:43','2023-04-30 06:31:43','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3172,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png\" alt=\"\" class=\"wp-image-3172\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re shopping for pet insurance, it’s important to understand the limitations of the policy—such as treatment for pre-existing conditions, which can add up.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Just like car insurance, which doesn’t cover accidents before coverage begins, pet insurance typically won’t cover any expenses related to ailments or injuries that are already present. Knowing what counts as a “pre-existing condition” is crucial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Does Pet Insurance Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Due to the cost of treating pre-existing conditions, and the relatively short lifetime of a pet (dogs live on average 10 to 13 years depending on the breed), pet insurance generally excludes pre-existing conditions from coverage. It’s a numbers problem: Pet insurers don’t have the luxury of charging many years of premiums in order to offset claims payments for pre-existing conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pet insurance companies&nbsp;usually consider a pre-existing condition to be an illness or injury that started prior to coverage beginning, including any waiting period.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“It’s important to point out that even if the pet wasn’t diagnosed with an injury or illness, an insurer may still deny coverage if they were showing any signs or symptoms of one prior to coverage starting,” says Alex Stone, founder Petinsurer.com, a pet insurance comparison provider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if your dog was limping before your waiting period and coverage started, treatment for the leg wouldn’t be covered by the plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Are Pet Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some pet insurance companies put pre-existing conditions into two buckets: curable and incurable conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Curable pre-existing conditions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. ASPCA’s pet insurance plan will not consider a condition “pre-existing” if it’s curable and there are no symptoms for 180 days (excluding knee and ligament conditions). If the condition recurs after 180 days, it can be covered like a new problem.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some examples of curable conditions include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Bladder infections</li><li>Diarrhea</li><li>Ear infections</li><li>Respiratory infections</li><li>Urinary tract infections</li><li>Vomiting</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Incurable pre-existing conditions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">On the other hand, there are pre-existing conditions that pet insurance companies consider incurable, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Allergies</li><li>Arthritis</li><li>Bladder crystals</li><li>Cancer</li><li>Diabetes</li><li>Epilepsy</li><li>Heart disease</li><li>Hip dysplasia</li><li>Kidney disease</li><li>Orthopedic conditions</li><li>Urinary blockages</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\"} -->\n<p class=\"has-black-color has-text-color\">Many of these conditions require repeat veterinarian visits, ongoing medication and sometimes even surgery. Incurable pre-existing conditions won’t be covered by pet insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Pay Close Attention to Bilateral Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A bilateral illness or injury is a condition that impacts the left and right sides of the body, such as hip dysplasia or a cruciate ligament tear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Since there is a greater chance of a pet experiencing the same condition on the opposite side of their body, many insurance companies have bilateral exclusions in their policies. In other words, if your pet had treatment on one side of its body before the policy started, then the other side won’t be covered later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your pet experiences a bilateral condition after coverage starts, it’ll be covered just fine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to Determine What Pet Conditions are Insurable</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As a pet owner, you may struggle to identify what qualifies as a pre-existing condition and what your pet insurance plan will cover. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Medical history reviews are designed to pinpoint any conditions that your policy won’t cover. You’ll know exactly what expenses you’ll be responsible for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The medical review will take place after you apply for a policy. Once the review is complete, the insurers will often give you the option to cancel if you feel the coverage isn’t sufficient for your pet’s needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Finding the Right Insurance for a Pet with Pre-Existing Issues</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even if your pet has a pre-existing condition, you can still obtain pet insurance and it will cover conditions not related to the pre-existing condition. Here are things to keep in mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Be a proactive pet owner.</strong>&nbsp;“You’ll want to take care of the injury or illness as soon as possible, so the matter doesn’t worsen, resulting in astronomical vet bills. Taking the proper precautions can help prevent other accidents or illnesses from appearing due to the condition,” says Stone.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Keep up to date with your pet’s vaccinations.</strong>&nbsp;The last thing you want is your pet to get sick because you didn’t keep them up-to-date with their shots. Many insurers will deny a claim if your pet becomes ill because they weren’t vaccinated according to your veterinarian’s guidance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Compare pet insurance policies</strong>&nbsp;Even though pet insurance won’t cover incurable pre-existing conditions, you can find suitable coverage to handle other medical expenses. Compare the obvious things like monthly price and deductible, but also look at other factors such as waiting periods and whether coverage is reduced when your pet gets older.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“When you select an insurance provider for your pet, you’re really trusting the provider to be your pet’s partner for life. This is really important when it comes to making a claim because if you switch to another pet insurance provider during your pet’s lifetime, then any claims with your previous insurer will be treated as pre-existing by the new provider, and therefore wouldn’t be covered,” Stone says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\"} -->\n<h2 class=\"has-black-color has-text-color\">Which Pet Insurance Companies Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Generally, pet insurance companies do not cover incurable pre-existing conditions such as cancer, diabetes and hip dysplasia. But some pet insurance companies will cover what are considered “curable” pre-existing conditions, such as bladder infections, diarrhea and ear infections.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.forbes.com/advisor/pet-insurance/pet-pre-existing-conditions/\">click here.</a></p>\n<!-- /wp:paragraph -->','Pet Insurance That Covers Pre-Existing Conditions','','inherit','closed','closed','','3171-autosave-v1','','','2023-04-30 06:31:43','2023-04-30 06:31:43','',3171,'http://smartinsurance.tips/?p=3174',0,'revision','',0),(3175,1,'2023-04-30 06:31:52','2023-04-30 06:31:52','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3172,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-7.png\" alt=\"\" class=\"wp-image-3172\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re shopping for pet insurance, it’s important to understand the limitations of the policy—such as treatment for pre-existing conditions, which can add up.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Just like car insurance, which doesn’t cover accidents before coverage begins, pet insurance typically won’t cover any expenses related to ailments or injuries that are already present. Knowing what counts as a “pre-existing condition” is crucial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Does Pet Insurance Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Due to the cost of treating pre-existing conditions, and the relatively short lifetime of a pet (dogs live on average 10 to 13 years depending on the breed), pet insurance generally excludes pre-existing conditions from coverage. It’s a numbers problem: Pet insurers don’t have the luxury of charging many years of premiums in order to offset claims payments for pre-existing conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pet insurance companies&nbsp;usually consider a pre-existing condition to be an illness or injury that started prior to coverage beginning, including any waiting period.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“It’s important to point out that even if the pet wasn’t diagnosed with an injury or illness, an insurer may still deny coverage if they were showing any signs or symptoms of one prior to coverage starting,” says Alex Stone, founder Petinsurer.com, a pet insurance comparison provider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if your dog was limping before your waiting period and coverage started, treatment for the leg wouldn’t be covered by the plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Are Pet Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some pet insurance companies put pre-existing conditions into two buckets: curable and incurable conditions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Curable pre-existing conditions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. ASPCA’s pet insurance plan will not consider a condition “pre-existing” if it’s curable and there are no symptoms for 180 days (excluding knee and ligament conditions). If the condition recurs after 180 days, it can be covered like a new problem.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some examples of curable conditions include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Bladder infections</li><li>Diarrhea</li><li>Ear infections</li><li>Respiratory infections</li><li>Urinary tract infections</li><li>Vomiting</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Incurable pre-existing conditions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">On the other hand, there are pre-existing conditions that pet insurance companies consider incurable, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Allergies</li><li>Arthritis</li><li>Bladder crystals</li><li>Cancer</li><li>Diabetes</li><li>Epilepsy</li><li>Heart disease</li><li>Hip dysplasia</li><li>Kidney disease</li><li>Orthopedic conditions</li><li>Urinary blockages</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\"} -->\n<p class=\"has-black-color has-text-color\">Many of these conditions require repeat veterinarian visits, ongoing medication and sometimes even surgery. Incurable pre-existing conditions won’t be covered by pet insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Pay Close Attention to Bilateral Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A bilateral illness or injury is a condition that impacts the left and right sides of the body, such as hip dysplasia or a cruciate ligament tear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Since there is a greater chance of a pet experiencing the same condition on the opposite side of their body, many insurance companies have bilateral exclusions in their policies. In other words, if your pet had treatment on one side of its body before the policy started, then the other side won’t be covered later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your pet experiences a bilateral condition after coverage starts, it’ll be covered just fine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to Determine What Pet Conditions are Insurable</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As a pet owner, you may struggle to identify what qualifies as a pre-existing condition and what your pet insurance plan will cover. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Medical history reviews are designed to pinpoint any conditions that your policy won’t cover. You’ll know exactly what expenses you’ll be responsible for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The medical review will take place after you apply for a policy. Once the review is complete, the insurers will often give you the option to cancel if you feel the coverage isn’t sufficient for your pet’s needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Finding the Right Insurance for a Pet with Pre-Existing Issues</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even if your pet has a pre-existing condition, you can still obtain pet insurance and it will cover conditions not related to the pre-existing condition. Here are things to keep in mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Be a proactive pet owner.</strong>&nbsp;“You’ll want to take care of the injury or illness as soon as possible, so the matter doesn’t worsen, resulting in astronomical vet bills. Taking the proper precautions can help prevent other accidents or illnesses from appearing due to the condition,” says Stone.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Keep up to date with your pet’s vaccinations.</strong>&nbsp;The last thing you want is your pet to get sick because you didn’t keep them up-to-date with their shots. Many insurers will deny a claim if your pet becomes ill because they weren’t vaccinated according to your veterinarian’s guidance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Compare pet insurance policies</strong>&nbsp;Even though pet insurance won’t cover incurable pre-existing conditions, you can find suitable coverage to handle other medical expenses. Compare the obvious things like monthly price and deductible, but also look at other factors such as waiting periods and whether coverage is reduced when your pet gets older.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“When you select an insurance provider for your pet, you’re really trusting the provider to be your pet’s partner for life. This is really important when it comes to making a claim because if you switch to another pet insurance provider during your pet’s lifetime, then any claims with your previous insurer will be treated as pre-existing by the new provider, and therefore wouldn’t be covered,” Stone says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Which Pet Insurance Companies Cover Pre-Existing Conditions?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Generally, pet insurance companies do not cover incurable pre-existing conditions such as cancer, diabetes and hip dysplasia. But some pet insurance companies will cover what are considered “curable” pre-existing conditions, such as bladder infections, diarrhea and ear infections.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.forbes.com/advisor/pet-insurance/pet-pre-existing-conditions/\">click here.</a></p>\n<!-- /wp:paragraph -->','Pet Insurance That Covers Pre-Existing Conditions','','inherit','closed','closed','','3171-revision-v1','','','2023-04-30 06:31:52','2023-04-30 06:31:52','',3171,'http://smartinsurance.tips/?p=3175',0,'revision','',0),(3176,1,'2023-04-30 06:35:01','2023-04-30 06:35:01','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3177,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-8.png\" alt=\"\" class=\"wp-image-3177\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0\">What is an Insurance Grace Period?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">An insurance grace period is a defined amount of time after the premium is due in which a policyholder can make a premium payment without coverage lapsing. The insurance grace period can vary depending on the insurer and policy type.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-3\">Depending on the insurance policy, the grace period can be as little as 24 hours or as long as 30 days. The amount of time granted in an&nbsp;insurance grace period is indicated in the insurance policy contract. Paying after the due date may attract a financial penalty from the insurance company.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-5\">How an Insurance Grace Period Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Insurance grace periods protect policyholders from immediately losing coverage in case they are late with a premium payment. Regulations covering insurance grace periods, including how long they must last across policy types, are managed by states.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important: Some states may allow insurers to drop policyholders immediately, without advanced notice if premiums are not paid on time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Insurance companies want the insurance grace period to be as short as possible in order to prevent a situation&nbsp;in which they haven\'t&nbsp;received a premium payment but still have to cover damages. As long as the insurance grace period is in effect, the insurer will be responsible for paying providers for any services they render to the policyholder.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">If an insurance policy is canceled due to non-payment, there are no loopholes to force&nbsp;a canceled policy to payout and&nbsp;you\'ll likely&nbsp;have to go through&nbsp;the entire application process again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0-1\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Insurance grace periods are intended to shelter policyholders from losing all coverage if they are late with a payment.</li><li>Many financial institutions offer grace periods on their loan products, from student loans to credit cards.</li><li>Insurance grace periods are usually not lengthy affairs, as insurance companies don\'t want to risk having to pay out for damages without having received payment.</li><li>After an insurance grace period, a policy may be canceled due to non-payment, which will be detrimental to the policyholder.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">If you choose to reinstate coverage, insurers usually need to make sure there were no losses in the interim by inspecting the property. The insurer may also require a larger down payment on the premium or require that it be paid in full. A non-payment history can complicate shopping for new insurance. Insurance applications often ask if you\'ve ever had a policy canceled, and if you answer yes, you\'ll be probably be flagged as a high-risk customer and be subject to higher premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-18\">Example of an Insurance Grace Period</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Consider a homeowner that has a flood insurance policy on their home in a flood-prone area. The policy premium due date is set to April 1, and the homeowner must pay the premium in order to have coverage for an additional year. The homeowner writes a check on March 28 but forgets to put it in the mail, only realizing the mistake on April 3. On April 4, a flood causes significant damage to the basement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">If the policy did not have an insurance grace period, the insurer would consider the coverage lapsed on April 2 and not cover any of the flood damage. If the policy does have a grace period that extended to April 3, the policy would cover the flood damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/i/insurance-grace-period.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Insurance Grace Period: Definition, How It Works, Example','','publish','closed','closed','','insurance-grace-period-definition-how-it-works-example','','','2023-04-30 06:35:01','2023-04-30 06:35:01','',0,'http://smartinsurance.tips/?p=3176',0,'post','',0),(3177,1,'2023-04-30 06:32:53','2023-04-30 06:32:53','','Insurance-8','','inherit','closed','closed','','insurance-8-11','','','2023-04-30 06:32:53','2023-04-30 06:32:53','',3176,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-8.png',0,'attachment','image/png',0),(3178,1,'2023-04-30 06:35:01','2023-04-30 06:35:01','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3177,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-8.png\" alt=\"\" class=\"wp-image-3177\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0\">What is an Insurance Grace Period?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">An insurance grace period is a defined amount of time after the premium is due in which a policyholder can make a premium payment without coverage lapsing. The insurance grace period can vary depending on the insurer and policy type.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-3\">Depending on the insurance policy, the grace period can be as little as 24 hours or as long as 30 days. The amount of time granted in an&nbsp;insurance grace period is indicated in the insurance policy contract. Paying after the due date may attract a financial penalty from the insurance company.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-5\">How an Insurance Grace Period Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Insurance grace periods protect policyholders from immediately losing coverage in case they are late with a premium payment. Regulations covering insurance grace periods, including how long they must last across policy types, are managed by states.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Important: Some states may allow insurers to drop policyholders immediately, without advanced notice if premiums are not paid on time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Insurance companies want the insurance grace period to be as short as possible in order to prevent a situation&nbsp;in which they haven\'t&nbsp;received a premium payment but still have to cover damages. As long as the insurance grace period is in effect, the insurer will be responsible for paying providers for any services they render to the policyholder.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">If an insurance policy is canceled due to non-payment, there are no loopholes to force&nbsp;a canceled policy to payout and&nbsp;you\'ll likely&nbsp;have to go through&nbsp;the entire application process again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0-1\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Insurance grace periods are intended to shelter policyholders from losing all coverage if they are late with a payment.</li><li>Many financial institutions offer grace periods on their loan products, from student loans to credit cards.</li><li>Insurance grace periods are usually not lengthy affairs, as insurance companies don\'t want to risk having to pay out for damages without having received payment.</li><li>After an insurance grace period, a policy may be canceled due to non-payment, which will be detrimental to the policyholder.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">If you choose to reinstate coverage, insurers usually need to make sure there were no losses in the interim by inspecting the property. The insurer may also require a larger down payment on the premium or require that it be paid in full. A non-payment history can complicate shopping for new insurance. Insurance applications often ask if you\'ve ever had a policy canceled, and if you answer yes, you\'ll be probably be flagged as a high-risk customer and be subject to higher premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-18\">Example of an Insurance Grace Period</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Consider a homeowner that has a flood insurance policy on their home in a flood-prone area. The policy premium due date is set to April 1, and the homeowner must pay the premium in order to have coverage for an additional year. The homeowner writes a check on March 28 but forgets to put it in the mail, only realizing the mistake on April 3. On April 4, a flood causes significant damage to the basement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">If the policy did not have an insurance grace period, the insurer would consider the coverage lapsed on April 2 and not cover any of the flood damage. If the policy does have a grace period that extended to April 3, the policy would cover the flood damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/i/insurance-grace-period.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Insurance Grace Period: Definition, How It Works, Example','','inherit','closed','closed','','3176-revision-v1','','','2023-04-30 06:35:01','2023-04-30 06:35:01','',3176,'http://smartinsurance.tips/?p=3178',0,'revision','',0),(3179,1,'2023-04-30 06:42:14','2023-04-30 06:42:14','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3180,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-9.png\" alt=\"\" class=\"wp-image-3180\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most people know they need homeowners insurance to protect their investment, but figuring out how to protect a home under renovation is a little more challenging. A basic homeowners policy isn\'t always enough, and that\'s where home renovation insurance comes in. Here\'s a closer look at how it works and when it makes sense to buy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"does-homeowners-insurance-cover-home-renovations\">Does homeowners insurance cover home renovations?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A typical homeowners insurance policy usually covers home renovations, but this may not extend to an addition. It\'s always a good idea for the homeowner to reach out to their insurance company to verify this before the project gets underway.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In some scenarios, particularly if the renovation will increase the house\'s value, the existing insurance policy may no longer be enough to cover the full replacement cost of the home. That\'s why some homeowners choose to purchase additional home insurance after the remodel. Purchasing home renovation insurance is another option for protecting the home during renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"how-do-renovations-affect-homeowners-insurance\">How do renovations affect homeowners insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here\'s a look at how several common home renovations can affect insurance rates:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-space\">Adding space</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding onto a home\'s square footage tends to increase the value of the home, and by extension, the cost of replacing it if there\'s a total loss. That means it\'s usually necessary to purchase additional home insurance coverage to remain fully protected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"upgrading-fixtures\">Upgrading fixtures</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding granite countertops or new appliances can also increase the value of the home. Homeowners wishing to replace these items with fixtures or appliances of a similar quality following a loss will need to purchase more home insurance after the remodel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-a-pool\">Adding a pool</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding a pool can impact home insurance rates because there\'s an associated liability risk. People can get injured or die in a pool, so homeowners adding one of these should consider increasing their home insurance\'s liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-a-home-office\">Adding a home office</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home businesses may not be covered by a basic home insurance policy or there may be limits on how much the insurer will pay to replace damaged or stolen business items. Homeowners looking to add a space for their home business should consider adding an endorsement for this to ensure they\'re fully covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"replacing-a-roof\">Replacing a roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some home insurers offer discounts to homeowners who have a new roof. This could reduce their home insurance rates for a short time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"installing-storm-shutters\">Installing storm shutters</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners residing in areas prone to hurricanes or other natural disasters may be able to save on their home insurance by installing storm shutters or using building materials designed to mitigate loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-is-home-renovation-insurance\">What is home renovation insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home renovation insurance, also known as dwelling under construction insurance, is a special type of insurance that protects the home and the materials for the new project. It\'s usually an endorsement that a homeowner can add to an existing home insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-does-home-renovation-insurance-cover\">What does home renovation insurance cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home renovation insurance typically covers the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"building-materials\">Building materials</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This type of coverage protects the building materials necessary for the project. If they are damaged in a covered claim, like a fire or tornado, the insurer would pay to replace them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"foundation-repair\">Foundation repair</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Foundation repair coverage is usually a component of home renovation insurance. This protects the homeowner against foundation collapse or similar issues during the renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"liability\">Liability</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurance for a house being renovated may include additional liability protection in case someone were to be injured on the property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"extra-costs-due-to-delays\">Extra costs due to delays</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a home renovation project is delayed due to factors outside the homeowner\'s control, home renovation insurance may pay some of the costs that arise, like interest on a construction loan or permit fees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"how-much-does-home-renovation-insurance-cost\">How much does home renovation insurance cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The cost of insurance for a home under construction varies widely depending on the location of the home, the scope of the renovation, the materials used, and how long the project lasts. Small projects may cost less than $50 per month while larger projects could cost a few hundred dollars per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The only way for a homeowner to get an accurate idea of the cost is to shop around. Compare quotes from a few different companies to see which offers the most affordable rate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"other-insurance-coverage-you-might-need\">Other insurance coverage you might need</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In addition to home renovation insurance, homeowners may want to consider the following coverage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"higher-home-insurance-coverage-limits\">Higher home insurance coverage limits</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners may want to consider increasing their home insurance coverage limits to reflect the increased value of their home. Those who aren\'t familiar with how much coverage they need should check out this guide to the basics of homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"vacant-home-insurance\">Vacant home insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If the homeowner isn\'t living in the home while the renovation is underway, they may want to add vacant home coverage to their policy. Skipping this coverage could result in a denied claim if there\'s an accident at the home while the homeowner is away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"contractor-insurance\">Contractor insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a contractor is doing the renovation work, they should have their own insurance. Homeowners should ask for a copy of this before the work begins. If the contractor plans to hire subcontractors, make sure they\'re adequately insured as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.fool.com/the-ascent/insurance/homeowners/home-renovation-insurance/#:~:text=What%20insurance%20do%20I%20need,to%20add%20vacant%20home%20coverage.\">click here.</a></p>\n<!-- /wp:paragraph -->','Home Renovation Insurance: How to Insure Your Home While Remodeling','','publish','closed','closed','','home-renovation-insurance-how-to-insure-your-home-while-remodeling','','','2023-04-30 06:42:14','2023-04-30 06:42:14','',0,'http://smartinsurance.tips/?p=3179',0,'post','',0),(3180,1,'2023-04-30 06:36:04','2023-04-30 06:36:04','','Insurance-9','','inherit','closed','closed','','insurance-9-10','','','2023-04-30 06:36:04','2023-04-30 06:36:04','',3179,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-9.png',0,'attachment','image/png',0),(3181,1,'2023-04-30 06:42:14','2023-04-30 06:42:14','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3180,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-9.png\" alt=\"\" class=\"wp-image-3180\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most people know they need homeowners insurance to protect their investment, but figuring out how to protect a home under renovation is a little more challenging. A basic homeowners policy isn\'t always enough, and that\'s where home renovation insurance comes in. Here\'s a closer look at how it works and when it makes sense to buy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"does-homeowners-insurance-cover-home-renovations\">Does homeowners insurance cover home renovations?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A typical homeowners insurance policy usually covers home renovations, but this may not extend to an addition. It\'s always a good idea for the homeowner to reach out to their insurance company to verify this before the project gets underway.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In some scenarios, particularly if the renovation will increase the house\'s value, the existing insurance policy may no longer be enough to cover the full replacement cost of the home. That\'s why some homeowners choose to purchase additional home insurance after the remodel. Purchasing home renovation insurance is another option for protecting the home during renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"how-do-renovations-affect-homeowners-insurance\">How do renovations affect homeowners insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here\'s a look at how several common home renovations can affect insurance rates:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-space\">Adding space</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding onto a home\'s square footage tends to increase the value of the home, and by extension, the cost of replacing it if there\'s a total loss. That means it\'s usually necessary to purchase additional home insurance coverage to remain fully protected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"upgrading-fixtures\">Upgrading fixtures</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding granite countertops or new appliances can also increase the value of the home. Homeowners wishing to replace these items with fixtures or appliances of a similar quality following a loss will need to purchase more home insurance after the remodel.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-a-pool\">Adding a pool</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adding a pool can impact home insurance rates because there\'s an associated liability risk. People can get injured or die in a pool, so homeowners adding one of these should consider increasing their home insurance\'s liability coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"adding-a-home-office\">Adding a home office</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home businesses may not be covered by a basic home insurance policy or there may be limits on how much the insurer will pay to replace damaged or stolen business items. Homeowners looking to add a space for their home business should consider adding an endorsement for this to ensure they\'re fully covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"replacing-a-roof\">Replacing a roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some home insurers offer discounts to homeowners who have a new roof. This could reduce their home insurance rates for a short time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"installing-storm-shutters\">Installing storm shutters</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners residing in areas prone to hurricanes or other natural disasters may be able to save on their home insurance by installing storm shutters or using building materials designed to mitigate loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-is-home-renovation-insurance\">What is home renovation insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home renovation insurance, also known as dwelling under construction insurance, is a special type of insurance that protects the home and the materials for the new project. It\'s usually an endorsement that a homeowner can add to an existing home insurance policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"what-does-home-renovation-insurance-cover\">What does home renovation insurance cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Home renovation insurance typically covers the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"building-materials\">Building materials</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This type of coverage protects the building materials necessary for the project. If they are damaged in a covered claim, like a fire or tornado, the insurer would pay to replace them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"foundation-repair\">Foundation repair</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Foundation repair coverage is usually a component of home renovation insurance. This protects the homeowner against foundation collapse or similar issues during the renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"liability\">Liability</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Insurance for a house being renovated may include additional liability protection in case someone were to be injured on the property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"extra-costs-due-to-delays\">Extra costs due to delays</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a home renovation project is delayed due to factors outside the homeowner\'s control, home renovation insurance may pay some of the costs that arise, like interest on a construction loan or permit fees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"how-much-does-home-renovation-insurance-cost\">How much does home renovation insurance cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The cost of insurance for a home under construction varies widely depending on the location of the home, the scope of the renovation, the materials used, and how long the project lasts. Small projects may cost less than $50 per month while larger projects could cost a few hundred dollars per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The only way for a homeowner to get an accurate idea of the cost is to shop around. Compare quotes from a few different companies to see which offers the most affordable rate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"other-insurance-coverage-you-might-need\">Other insurance coverage you might need</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In addition to home renovation insurance, homeowners may want to consider the following coverage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"higher-home-insurance-coverage-limits\">Higher home insurance coverage limits</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Homeowners may want to consider increasing their home insurance coverage limits to reflect the increased value of their home. Those who aren\'t familiar with how much coverage they need should check out this guide to the basics of homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"vacant-home-insurance\">Vacant home insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If the homeowner isn\'t living in the home while the renovation is underway, they may want to add vacant home coverage to their policy. Skipping this coverage could result in a denied claim if there\'s an accident at the home while the homeowner is away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"contractor-insurance\">Contractor insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If a contractor is doing the renovation work, they should have their own insurance. Homeowners should ask for a copy of this before the work begins. If the contractor plans to hire subcontractors, make sure they\'re adequately insured as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.fool.com/the-ascent/insurance/homeowners/home-renovation-insurance/#:~:text=What%20insurance%20do%20I%20need,to%20add%20vacant%20home%20coverage.\">click here.</a></p>\n<!-- /wp:paragraph -->','Home Renovation Insurance: How to Insure Your Home While Remodeling','','inherit','closed','closed','','3179-revision-v1','','','2023-04-30 06:42:14','2023-04-30 06:42:14','',3179,'http://smartinsurance.tips/?p=3181',0,'revision','',0),(3182,1,'2023-04-30 06:48:17','2023-04-30 06:48:17','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vacant homes may need special insurance coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3183,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-10.png\" alt=\"\" class=\"wp-image-3183\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Homeowners insurance is designed to protect your primary residence against financial losses associated with theft, fire, and other covered perils. If you own a home that sits vacant for extended periods of time, you may be wondering whether your policy will still cover the property if damages occur. It’s possible that your standard policy may not be sufficient to cover a property that isn’t being lived in. You may need to purchase a vacant home insurance policy to fill a coverage gap.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Your regular homeowners insurance policy may not extend to a home that’s vacant.&nbsp;</li><li>Vacant home insurance policies are designed to cover homes that are vacant because they’re in the process of being sold, undergoing repairs or renovations, or otherwise not being lived in on a full-time basis.&nbsp;</li><li>Vacant home insurance can be its own policy or added on to an existing homeowners insurance policy as an endorsement.&nbsp;</li><li>Coverage limits, covered events, and premiums for vacant home insurance policies can vary greatly.&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-4\">What Is Vacant Home Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">To understand whether you need vacant home insurance, it helps to know what it is and when it may be necessary. Vacant home insurance can be purchased as its own policy or as an add-on endorsement to an existing homeowners insurance policy. It is designed to protect homes that are vacant for an extended period of time. This is different from traditional homeowners insurance, which covers you for as long as you own and live in the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">The amount of time required for a home to be considered vacant can depend on the insurance company. For instance, some insurance companies may deem a home to be vacant if no one lives in it for at least 30 days. Other insurers may extend this to 60 days or more before a home is considered vacant.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">Important: Insurance companies distinguish between unoccupied homes and vacant ones. A home is considered unoccupied, rather than vacant, if your personal belongings are still inside and you could return to live in it any time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-11\">What Does Vacant Home Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">Vacant home insurance is designed to offer protections that are similar to a standard homeowners insurance policy. For example, your vacant home insurance policy may cover you for damage from things such as: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-14\" class=\"has-black-color has-text-color has-large-font-size\"><li>Theft</li><li>Vandalism</li><li>Fire</li><li>Explosions</li><li>Wind</li><li>Hail</li><li>Lightning</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">Your policy should spell out a complete list of covered perils while also mentioning any exclusions from coverage. Vacant home insurance can cover the most essential types of damage that could occur when no one is living in a home, though it doesn’t cover everything. For example, you may need to purchase flood insurance separately if the home is located in a flood plain.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\">Vacant home insurance policies can come with flexible terms ranging from three to 12 months, depending on the insurer. Your insurance company may have specific guidelines regarding the types of homes that can be covered. For instance, you may be able to get vacant home insurance for up to a four-unit dwelling or be limited to insuring a single-family property. Insurers take into account how the home is being used and why it’s sitting vacant, as well as its age, overall condition, and estimated replacement value. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-20\">A vacant home represents a higher risk to insurance companies versus a home that’s being occupied full time. That’s because with no one there to keep an eye on the property, it’s more likely that damages related to vandalism or other mischief could occur. And without someone performing regular maintenance and upkeep, the risk of water and fire damage also increases. Needing vacant home insurance for an older property or one that wasn’t maintained properly before you bought it could increase your risk profile and your premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-22\">Who Needs Vacant Home Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">Vacant home insurance is typically something you only need in specific situations in which a home you own will be empty for an extended period of time.&nbsp;Some of the situations that may require vacant home insurance include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-25\" class=\"has-black-color has-text-color has-large-font-size\"><li>Selling a home that you no longer live in because you’ve moved into a new property</li><li>Owning a rental property that sits vacant during the off-season</li><li>Performing extensive renovations or repairs on a home that make it temporarily inhabitable</li><li>Being hospitalized for an extended period of time for medical care</li><li>Owning a vacation home that you only use a few months out of the year</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">You may also need vacant home insurance if you’re on active duty military service or traveling for an extended period of time. Remember, though, for the home to be considered vacant, it typically means that it has to be completely emptied of all personal belongings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tip: When purchasing vacant home insurance, ask about refund policies if you have to cancel your coverage before the policy expires. Some insurers will refund premium amounts paid up front if you end your coverage early.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-31\">How to Purchase Vacant Home Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">Before purchasing vacant home insurance, it’s important to decide if you need a separate policy or whether you can add an endorsement to an existing homeowners insurance policy instead. An endorsement can be used to modify an existing policy to cover the home for temporary vacancies. Say you own a rental home, for instance, and your tenant has given their notice. You expect it to take a month or two to find a replacement tenant and get them moved in. You may be able to use an endorsement to alter your current policy’s coverage until the home is occupied again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-34\">The next step is comparing rates and coverage options for vacant home insurance policies. Every insurance company is different when it comes to things such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-36\" class=\"has-black-color has-text-color has-large-font-size\"><li>Property types</li><li>Vacancy reasons</li><li>Covered and non-covered perils</li><li>Coverage limits</li><li>Premiums and deductibles</li><li>Coverage terms</li><li>Status definition (“unoccupied” versus “vacant,” for example)</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-38\">In terms of what vacant home insurance can cost, this also varies based on the insurance company and the details of your policy. If you own a four-unit rental property, it will likely cost more to insure compared with a single-family vacation home. Fielding quotes from multiple insurance companies can help with finding a policy at an affordable rate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are some things you can do to reduce the home’s risk profile and help make a vacant home policy less expensive. Installing smoke alarms, carbon monoxide detectors, and/or a security system could qualify you for discounts offered by the insurer. Having someone keep up with outdoor landscaping and maintenance or check on the home regularly could also help reduce the risk to the insurer and bring down your premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When purchasing insurance to cover a vacant home, consider carefully how long you’ll need it. This can be tricky if your home is listed for sale and you’re waiting to receive a viable offer. If you’re purchasing a vacant home that you eventually plan to rent out, ask your insurance company whether the policy can be converted to a landlord policy once the property is occupied. These tips can help you avoid paying for more coverage than you need or the wrong coverage type.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/vacant-home-insurance-do-you-need-it-what-does-it-cover-5074120\">click here.</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\"><a rel=\"noreferrer noopener\" href=\"https://www.prnewswire.com/news-releases/vacant-homes-pose-insurance-risks-99850689.html\" target=\"_blank\"></a></p>\n<!-- /wp:paragraph -->','Vacant Home Insurance: Do You Need It? What Does It Cover?','','publish','closed','closed','','vacant-home-insurance-do-you-need-it-what-does-it-cover','','','2023-04-30 06:48:17','2023-04-30 06:48:17','',0,'http://smartinsurance.tips/?p=3182',0,'post','',0),(3183,1,'2023-04-30 06:43:36','2023-04-30 06:43:36','','Insurance-10','','inherit','closed','closed','','insurance-10-11','','','2023-04-30 06:43:36','2023-04-30 06:43:36','',3182,'http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-10.png',0,'attachment','image/png',0),(3184,1,'2023-04-30 06:48:17','2023-04-30 06:48:17','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vacant homes may need special insurance coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3183,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/04/Insurance-10.png\" alt=\"\" class=\"wp-image-3183\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Homeowners insurance is designed to protect your primary residence against financial losses associated with theft, fire, and other covered perils. If you own a home that sits vacant for extended periods of time, you may be wondering whether your policy will still cover the property if damages occur. It’s possible that your standard policy may not be sufficient to cover a property that isn’t being lived in. You may need to purchase a vacant home insurance policy to fill a coverage gap.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Your regular homeowners insurance policy may not extend to a home that’s vacant.&nbsp;</li><li>Vacant home insurance policies are designed to cover homes that are vacant because they’re in the process of being sold, undergoing repairs or renovations, or otherwise not being lived in on a full-time basis.&nbsp;</li><li>Vacant home insurance can be its own policy or added on to an existing homeowners insurance policy as an endorsement.&nbsp;</li><li>Coverage limits, covered events, and premiums for vacant home insurance policies can vary greatly.&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-4\">What Is Vacant Home Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">To understand whether you need vacant home insurance, it helps to know what it is and when it may be necessary. Vacant home insurance can be purchased as its own policy or as an add-on endorsement to an existing homeowners insurance policy. It is designed to protect homes that are vacant for an extended period of time. This is different from traditional homeowners insurance, which covers you for as long as you own and live in the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">The amount of time required for a home to be considered vacant can depend on the insurance company. For instance, some insurance companies may deem a home to be vacant if no one lives in it for at least 30 days. Other insurers may extend this to 60 days or more before a home is considered vacant.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">Important: Insurance companies distinguish between unoccupied homes and vacant ones. A home is considered unoccupied, rather than vacant, if your personal belongings are still inside and you could return to live in it any time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-11\">What Does Vacant Home Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">Vacant home insurance is designed to offer protections that are similar to a standard homeowners insurance policy. For example, your vacant home insurance policy may cover you for damage from things such as: </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-14\" class=\"has-black-color has-text-color has-large-font-size\"><li>Theft</li><li>Vandalism</li><li>Fire</li><li>Explosions</li><li>Wind</li><li>Hail</li><li>Lightning</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">Your policy should spell out a complete list of covered perils while also mentioning any exclusions from coverage. Vacant home insurance can cover the most essential types of damage that could occur when no one is living in a home, though it doesn’t cover everything. For example, you may need to purchase flood insurance separately if the home is located in a flood plain.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\">Vacant home insurance policies can come with flexible terms ranging from three to 12 months, depending on the insurer. Your insurance company may have specific guidelines regarding the types of homes that can be covered. For instance, you may be able to get vacant home insurance for up to a four-unit dwelling or be limited to insuring a single-family property. Insurers take into account how the home is being used and why it’s sitting vacant, as well as its age, overall condition, and estimated replacement value. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-20\">A vacant home represents a higher risk to insurance companies versus a home that’s being occupied full time. That’s because with no one there to keep an eye on the property, it’s more likely that damages related to vandalism or other mischief could occur. And without someone performing regular maintenance and upkeep, the risk of water and fire damage also increases. Needing vacant home insurance for an older property or one that wasn’t maintained properly before you bought it could increase your risk profile and your premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-22\">Who Needs Vacant Home Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">Vacant home insurance is typically something you only need in specific situations in which a home you own will be empty for an extended period of time.&nbsp;Some of the situations that may require vacant home insurance include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-25\" class=\"has-black-color has-text-color has-large-font-size\"><li>Selling a home that you no longer live in because you’ve moved into a new property</li><li>Owning a rental property that sits vacant during the off-season</li><li>Performing extensive renovations or repairs on a home that make it temporarily inhabitable</li><li>Being hospitalized for an extended period of time for medical care</li><li>Owning a vacation home that you only use a few months out of the year</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">You may also need vacant home insurance if you’re on active duty military service or traveling for an extended period of time. Remember, though, for the home to be considered vacant, it typically means that it has to be completely emptied of all personal belongings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tip: When purchasing vacant home insurance, ask about refund policies if you have to cancel your coverage before the policy expires. Some insurers will refund premium amounts paid up front if you end your coverage early.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-31\">How to Purchase Vacant Home Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">Before purchasing vacant home insurance, it’s important to decide if you need a separate policy or whether you can add an endorsement to an existing homeowners insurance policy instead. An endorsement can be used to modify an existing policy to cover the home for temporary vacancies. Say you own a rental home, for instance, and your tenant has given their notice. You expect it to take a month or two to find a replacement tenant and get them moved in. You may be able to use an endorsement to alter your current policy’s coverage until the home is occupied again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-34\">The next step is comparing rates and coverage options for vacant home insurance policies. Every insurance company is different when it comes to things such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-36\" class=\"has-black-color has-text-color has-large-font-size\"><li>Property types</li><li>Vacancy reasons</li><li>Covered and non-covered perils</li><li>Coverage limits</li><li>Premiums and deductibles</li><li>Coverage terms</li><li>Status definition (“unoccupied” versus “vacant,” for example)</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-38\">In terms of what vacant home insurance can cost, this also varies based on the insurance company and the details of your policy. If you own a four-unit rental property, it will likely cost more to insure compared with a single-family vacation home. Fielding quotes from multiple insurance companies can help with finding a policy at an affordable rate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are some things you can do to reduce the home’s risk profile and help make a vacant home policy less expensive. Installing smoke alarms, carbon monoxide detectors, and/or a security system could qualify you for discounts offered by the insurer. Having someone keep up with outdoor landscaping and maintenance or check on the home regularly could also help reduce the risk to the insurer and bring down your premiums.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When purchasing insurance to cover a vacant home, consider carefully how long you’ll need it. This can be tricky if your home is listed for sale and you’re waiting to receive a viable offer. If you’re purchasing a vacant home that you eventually plan to rent out, ask your insurance company whether the policy can be converted to a landlord policy once the property is occupied. These tips can help you avoid paying for more coverage than you need or the wrong coverage type.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/vacant-home-insurance-do-you-need-it-what-does-it-cover-5074120\">click here.</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\"><a rel=\"noreferrer noopener\" href=\"https://www.prnewswire.com/news-releases/vacant-homes-pose-insurance-risks-99850689.html\" target=\"_blank\"></a></p>\n<!-- /wp:paragraph -->','Vacant Home Insurance: Do You Need It? What Does It Cover?','','inherit','closed','closed','','3182-revision-v1','','','2023-04-30 06:48:17','2023-04-30 06:48:17','',3182,'http://smartinsurance.tips/?p=3184',0,'revision','',0),(3188,1,'2023-05-29 16:32:42','2023-05-29 16:32:42','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Learn how to deal with relatives asking for money with these four tips.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3187,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-28.png\" alt=\"\" class=\"wp-image-3187\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Saying \"no\" to someone asking for help can be difficult for many. This can be especially true when the ones asking for help are family—and the help they ask for is money. But as plenty of folks who have done so will tell you, mixing family and money can bring complications, especially when what you truly want is to say \"no.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">\"Some people will go into debt to give money to someone else, and that\'s a huge financial mistake,\" says personal finance advisor Lynnette Khalfani-Cox. \"You have to set firm boundaries and determine the type of help you will give and under what circumstances.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">Yes, this includes siblings, children, and aging parents—all people with whom it may be especially hard (but all the more important) to set those boundaries. So, how do you stop family members from asking for money? These tips and steps can help.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0\">1. Ask Yourself Key Questions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-2\">People lose jobs. They get sick or get into accidents, have messy divorces, and hit rough patches in life. The question to ask yourself is whether the situation causing a person to request help from you is a rare crisis—or the reflection of long-term financial drama.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-3\">Are you being asked to help with money in a horrible, unprecedented situation? Or is it to protect someone from the natural consequences of their actions—to enable their destructive behavior? In the latter case, \"if the banks won\'t lend them money, why should you?\" Khalfani-Cox asks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-4\">If you\'re uncomfortable turning someone down, ask yourself why you feel pressured to say \"yes\" when your boundaries feel threatened. \"You can\'t think you are someone else\'s financial savior,\" Khalfani-Cox adds. \"Or that the worst-case scenario will happen if you don\'t step in.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-5\">2. Prepare These Answers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-7\">When turning down a request for financial assistance, you don\'t need to justify your actions or provide any explanations. A simple \"no\" can suffice.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-8\">If you\'re concerned saying \"no\" will impact your relationship negatively, say so. \"It can literally be \'I don\'t believe this is healthy for you or our relationship. I\'m not trying to hurt you, but I do need to establish financial boundaries,\'\" Khalfani-Cox says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-9\">Christine Manley, a licensed clinical psychologist based in Nashville, recommends writing yourself a script or role-playing with a partner or friend to help you feel more comfortable initiating the conversation. Manley stresses that setting boundaries tends not to be a one-time conversation: \"People think boundary-setting is going to be this really big, tense, awkward conversation, like an intervention.\" But in practice, \"it\'s just saying \'no\' to requests that make you uncomfortable right when the request happens,\" Manley adds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-10\">A parent of an adult child asking for financial support could say something like, \"I want to work toward a place where you\'re not dependent on me,\" Manley advises. You could add, \"I\'m still your parent and feel this is in your best interest to help you become a healthier person,\" Manley says. Or, you could work with your child to chart a path toward financial independence over a defined period.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-11\">3. Remember: Temporary Guilt Beats Long-Term Resentment</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-13\">It\'s not uncommon to feel guilt when you say \"no\" to a family member\'s request for financial help. This can be especially true among women.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-14\">\"Women have been very much socialized to experience guilt when they say \'no,\'\" Manley says. \"Just because that guilt is there does not mean you\'re doing something unkind. You\'re allowed to say \'no\' to things that make you uncomfortable.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-15\">And while guilt may be a difficult momentary feeling, a slow-growing, constantly grating chronic resentment at having given beyond your means can be worse.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-16\">4. Be OK With Upsetting Others</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-18\">People tend to struggle to say \"no\" to family members in need because they don\'t want to upset them or risk damaging the relationship. But upsetting people is a natural side effect of having boundaries.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-19\">\"Anytime you\'re trying to set healthy boundaries, it upsets people,\" Manley says. And while people tend to worry most about the people they could offend, Khalfani-Cox says they should worry more about giving in to a request that makes them squirm.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-20\">\"No person\'s love and acceptance and close ties to their family members should have to be dependent upon the person\'s ability or willingness to provide financial support to the other party,\" Khalfani-Cox concludes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/work-life/money/set-money-boundaries-with-family\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Set Money Boundaries With Family','','inherit','closed','closed','','3186-revision-v1','','','2023-05-29 16:32:42','2023-05-29 16:32:42','',3186,'http://smartinsurance.tips/?p=3188',0,'revision','',0),(3189,1,'2023-05-29 17:09:03','2023-05-29 17:09:03','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These strategies from money experts can save you some serious cash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3190,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-29.png\" alt=\"\" class=\"wp-image-3190\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">When inflation skyrockets, so does the cost of everything from groceries and gas to monthly energy bills. For those trying to live on a tight budget (or who simply want to avoid spending a small fortune to get by each month), it has never been more essential to find ways to bring down your monthly cost of living.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">To help with this all-important effort, we asked money experts to share tips for reducing the cost of common monthly bills. (Think: mortgages, cable television, cell phone plans, health care, and even insurance.) Here\'s your go-to guide for keeping more money in your pocket each month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-4\">To Lower Your Mortgage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\"><strong>Refinance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Check the current interest rates and see if it\'s an opportune time to consider refinancing your home mortgage.<br><br>\"Review your mortgage interest rate to see if you might be able to reduce the rate by refinancing,\" says Melissa Walsh, CFA, and CFP, with Florida-based Clarity Financial Design. \"Your mortgage should be reviewed every year to see if you can save on interest expenses by paying a lower interest rate.\"<br><br>When contemplating a refinance, however, be sure to consider the total cost of the process, including such expenses as an appraisal and legal fees, and closing costs, to make sure it\'s a step that ultimately saves you money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">For instance, it will not make sense to lay out thousands of dollars to refinance in pursuit of a lower monthly mortgage payment if you do not intend to continue living in your home for at least a few more years.<br><br>\"Consider how long you\'re planning to stay in your current home,\" Walsh adds. \"Generally, the longer you plan to stay, the more you\'ll be able to save by refinancing your mortgage.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\"><strong>Cancel Private Mortgage Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\">Many homeowners pay $100 or more each month for private mortgage insurance (PMI) and often doing so has no benefit.<br><br>\"PMI simply protects the lender,\" says Kenny Li, CFA and director of investments for the asset management firm LNG MGMT. \"If your mortgage balance has reached 80 percent—meaning you\'ve made enough payments to gain 20 percent equity in your home—you can request that your mortgage insurance be canceled.\"<br><br>In most cases, mortgage insurance is canceled automatically once your mortgage balance hits 78 percent or you\'re halfway through your loan term, whichever comes first. But you\'ll save money by canceling it as soon as possible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-15\">To Lower Your Insurance Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\"><strong>Review Your Home Insurance Policy</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">If you own a home, then having a homeowners insurance policy is a must in order to protect your investment and your personal belongings. But that doesn\'t mean you can\'t call your insurance provider each year and review the various charges associated with your policy to identify opportunities to reduce any unnecessary costs.<br><br>\"Check with your homeowner\'s insurance agent to find out where you might be able to intelligently save money off your premium,\" says Stacey Giulianti, of Peninsula Insurance. \"If you have savings put away, consider increasing the deductible on your insurance policy, which will reduce your annual premium.\"<br><br>In addition, inquire about whether your insurance provider offers a less expensive coverage option for damaged personal property known as Actual Cash Value (ACV), advises Giulianti.<br><br>\"Actual Cash Value is a less expensive option than Replacement Cost,\" explains Giulianti. \"But make sure you work with your agent to understand all the ramifications of making such changes first.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\"><strong>Shop Around for a New Policy</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-20\">Yet another way to save money on insurance policies is to make it a regular habit to shop around for the best, most competitive offers.<br><br>\"Shopping around for insurance can save hundreds each year,\" says Martin Boonzaayer, CEO of The Trusted Home Buyer. \"Sometimes even just suggesting that you will leave your current carrier will result in receiving \'hidden discounts\' that were never mentioned to you before.\"<br><br>It\'s also worth noting that there are numerous online insurance marketplaces and price comparison websites these days, such as Policygenius and The Zebra.<br><br>\"In today\'s digital age, it\'s very easy to find the lowest rates by plugging in your information online and generating quotes from multiple carriers at once to ensure you\'re getting the best rate,\" says Jonathan Svensson, co-founder, and partner with the financial platform Almvest.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-22\">To Lower Your Utility Bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\"><strong>Turn Your Thermostat Down</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">This should be an obvious tip, but in case you\'re not already implementing this habit, turn your thermostat down and save yourself a few dollars on monthly heating bills. This is especially important given that the cost of energy has risen to its highest level in decades.<br><br>\"You can save from 1 percent to 2 percent for each degree of temperature you lower your winter thermostat setting,\" says Todd Christensen, education manager for the Idaho-based non-profit agency Debt Reduction Services. \"If you currently pay $200 a month during the winter for your heating bill, and if you keep your home at 75 degrees, you could turn it down to 70 degrees and save $10 to $20 a month.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\"><strong>Reverse Your Ceiling Fans</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">It\'s also possible to bring down energy costs slightly by simply changing the direction in which your ceiling fans operate come winter.<br><br>\"Reverse your ceiling fans (there is a switch to do this on most units) to push the warm air back down, rather than have the warm air get sucked up toward the ceiling,\" says Scott Alan Turner, a certified financial planner, and consumer advocate.<br><br>This simple step should help keep your home warmer, allowing you to resist the temptation to crank the thermostat.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\"><strong>Switch to Solar Energy</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-30\">With climate change causing increasing devastation around the world, it has never been more important to start transitioning to renewable energy sources and weaning ourselves off damaging fossil fuels. Going solar is a great way to help save the planet while also saving yourself money each month on energy bills.<br><br>\"Yes, it\'s a bit of an upfront investment, but with the sun being a free power source, you\'re able to power a household mostly out of solar energy in the long run,\" says Jay Whitacre, chief scientist and founder of Aquion Energy. \"What\'s more, you can sell the excess energy your solar panels generate through net metering programs, which allows you to earn money instead.\"<br><br>Now is the time to educate yourself about solar energy and make the switch, as fossil fuel energy providers and special interest groups across the nation are actively working behind the s cenes to revise the current system and make solar more expensive in the future for homeowners in an effort to discourage the clean energy revolution.<br><br>This is particularly true in California, where the state\'s three investor-owned utilities—Pacific Gas and Electric (PG&amp;E), Southern California Edison (SoCal Edison), and San Diego Gas and Electric (SDG&amp;E)—proposed dramatic changes to the state\'s net metering program in 2020 that would impose steep mandatory fees on solar customers and slash net metering payments resulting from solar energy systems.<br><br>The changes being advanced by fossil fuel utilities would eliminate the economic viability of solar power for many Californians, especially those with low to moderate incomes, according to Frontier Group.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\"><strong>Shop for a Better Electricity Price</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">If you live in one of the more than two dozen states that allow consumers to shop around for electricity or natural gas from different providers, this is yet another option for potentially lowering your monthly costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-37\">\"If you haven\'t checked how your current electric or gas rate compares, you can probably save by switching,\" says Jordan Hobfoll, CEO of Energy Simply, a comparison site for Texas residents.<br><br>Just make sure you shop on a state-sponsored comparison site and stay with transparent and straightforward plans, advises Hobfoll.<br><br>A variety of websites provide more information about electricity choice and the states where it is available. More details are available from National Renewable Energy Laboratory and also from the US Energy Information Administration.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\"><strong>Install a Smart Thermostat</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-40\">Various studies have shown that making the switch to a smart thermostat can save you money. If you\'re considering purchasing one, be sure to opt for a model that has an ENERGY STAR rating. This stamp of approval, according to CNET, means the thermostat has gone through an independent certification process verifying that it will actually save you money.<br><br>WiFi-enabled smart thermostats are designed to communicate with you via an app and actively help you use less energy, thus saving you cash over the course of time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-42\">To Lower Your Transportation Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-43\"><strong>Use GasBuddy</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-44\">If you haven\'t yet downloaded the GasBuddy app (which helps you find the cheapest gas stations around), now is the time to do so.<br><br>\"GasBuddy is one of my favorite applications that can help you find low-cost gas in your area,\" says Jeffrey Zhou, co-founder, and CEO of Fig Loans. \"Everyone knows that inflation is taking the fuel market by storm right now, and we all need to get to work. Take advantage of deals in your area to lessen the impact on your credit card.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-46\"><strong>Ask About Working Remotely</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-47\">Working remotely has certainly become the norm for many companies since the COVID-19 outbreak. But if you haven\'t joined the masses yet, now may be the time to find out whether you\'re able to do so in order to save money on commuting each day.<br><br>\"In the past, the solution to saving on transportation costs was carpooling or using public transportation systems,\" says Jake Oyler of Colwyn Investments. \"Those options are still valid and available. However, with the effects of the recent pandemic, many employers have begun to offer remote work options for employees... If your employer hasn\'t offered this option to you, it would be worth asking about your options.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-49\"><strong>Drive a Hybrid or Electric Vehicle</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-50\">Yet another revolution slowing gaining traction is the switch to electric or hybrid vehicles, which can save you substantially on the cost of fuel, if not eliminate the expense altogether. It\'s a move that\'s good for your bottom line and for the planet.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-52\"><strong>Consolidate Your Trips</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-53\">Planning your driving trips carefully and consolidating the errands you run each day and week can also help cut back on fuel expenses.<br><br>\"Saving on gas is something we\'re all acquainted with, in theory at least,\" says Brian DeChesare, CEO of the financial career platform Breaking Into Wall Street. \"With inflation and supply chain issues, more of us are being forced to think creatively about how we use our personal vehicles. One thing that helps is to get organized. Do your best to plan any trips, especially the miscellaneous ones that tend to add up throughout the week.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-55\">\"The more you can consolidate your car rides into fewer trips, the more you\'ll save on gas,\" says DeChesare. \"It takes a considerable amount of gasoline to start your car up, plus all that time stuck in traffic is quite taxing, too.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-57\">To Lower Your Cable and Internet Bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-58\"><strong>Ask Your Provider for a Lower Rate</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-59\">So many of us just accept the cost of our cable bills without a second thought. But now is hardly the time to simply accept what we are being sold without question.<br><br>\"Call up your service provider and ask for a better rate,\" says Turner. \"Most people will go years without shopping around for new service or price comparing. Companies want to keep their customers. Taking 10 minutes to ask for a discount, reduced rate, or one-time credit can easily get you $20 to $200 in savings.\"<br><br>It\'s also a good idea to spend some time carefully reviewing your monthly cable and internet bills to ensure no new charges have quietly been tacked on to what you\'re paying.<br><br>\"Make sure there aren\'t any sneaky charges, like a rental fee for your modem, or other fees that could be negotiated out of the bill to save you cash,\" says Zhou, of Fig Loans.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-61\"><strong>Stop Paying for Channels You Don\'t Watch</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-62\">It\'s surprising that anyone buys cable television anymore from big legacy providers, companies that have a history of price gouging in places where competition is limited.<br><br>Ditch the ridiculously steep monthly cable bills from the likes of AT&amp;T and Spectrum and switch instead to on-demand entertainment from such providers as Netflix, Hulu, and more. To do this, simply invest in a low-cost Roku Express or similar device and begin streaming programs using your internet.<br><br>\"If you only watch a few networks, a handful of shows, or don\'t watch live TV, switch from cable to a streaming service or two instead,\" says Lauren Bringle, accredited financial counselor with Self Financial, a fintech company that helps users build credit and save money. \"That way you pay maybe $20 to $30 for streaming instead of $100 or more for cable each month. Just be conscious of how many streaming services you stack on top of each other, or you could pay just as much for streaming as you do for cable.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-64\"><strong>Learn Your Internet Speed</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-65\">Don\'t pay for premium internet service if that\'s not what you truly need.<br><br>\"If you\'re a big video gamer, your job requires high-bandwidth internet, or you have a large family with everyone on the network at once, you may need to pay extra for premium internet,\" says Bringle. \"If you only have one or two people in the home though, use the internet for basic things, or don\'t work remotely, consider downgrading to a cheaper plan to save money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-67\">To Lower Your Cell Phone Bill</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-68\"><strong>Eliminate That Mobile Hotspot You Don\'t Use</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-69\">Mobile hotspots on your phone can be a great convenience—unless, of course, you don\'t use them at all. In that case, they are a gigantic waste of money.<br><br>\"One of the top ways to save on your phone bill is to check if you\'re using your mobile hot spot,\" says Chen. \"The main difference between the major U.S. cellular carriers\' premium and basic plans is the mobile hotspot. If you\'re not using this feature at all, you can save $15 per line every month by switching to a different plan.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-71\"><strong>Switch to a Smaller Service Provider</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-72\">If you\'re with a top-tier mobile phone carrier, such as Verizon, AT&amp;T, or T-Mobile, do yourself and your bottom line a favor and look into a second-tier provider. There\'s no reason to continue paying the steep prices charged by major carriers.<br><br>\"Smaller providers typically use the same cell phone towers, providing similar reception, but at lower rates,\" says Christensen, of Debt Reduction Services. \"On the downside, they will not typically have as many perks to choose from, but if you\'re not taking advantage of these perks already, you won\'t miss them.\"<br><br>Guadalupe Sanchez, founder of the website Budgeting in Blue, switched her cell phone plan to smaller carrier Cricket and has never looked back.<br><br>\"My cell phone bill is only $25 a month, and I love it,\" says Sanchez. \"I\'ve never had any problems. I refuse to spend more than $25 on a cell phone bill, especially since I don\'t have to. If you\'re spending more than $25 a month and don\'t want to switch carriers, call your provider and let them know Cricket offers that deal. It\'s as simple as calling your provider and asking for a discount. Most phone carriers don\'t want you to leave and they\'ll offer you a discount to stay.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-74\">It\'s also worth noting that for the $25 she pays each month, Sanchez gets unlimited calls, texts, and data—meaning she is sacrificing very little for that price. Some of the other smaller carriers to investigate include StraightTalk and Mint Mobile.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-76\">To Lower Your Health Care Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-77\"><strong>Use an HSA or FSA</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-78\">Many employers these days offer Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)—both of which can help you save money on health care costs, says Michael Botta, who holds a PhD in health economics and policy from Harvard University, and is a health cost expert who assisted with the creation of Obamacare.<br><br>\"You can fund these accounts with pre-tax dollars from your paycheck. And when unpredictable expenses come up (often things like urgent care or hospital stays), you can apply for money from your HSA or FSA toward any medical bill,\" says Botta, co-founder of the healthcare marketplace Sesame.<br><br>If your employer doesn\'t offer these plans, consider asking them to establish one, says Botta. There are also individual options to access these types of accounts.<br><br>\"Companies like HSA Bank and Health Savings Administrators offer individually-funded HSAs, and you can set up a regular contribution from your paycheck,\" says Botta.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-80\">No matter how you access these types of accounts, you\'ll want to max out your contributions, says Robin Saks Frankel, personal finance expert for Forbes Advisor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-82\">\"Since the funds deposited into these accounts aren\'t subject to taxes, think of them as getting a big discount on paying for health care services and products,\" says Frankel. \"For example, $100 in an FSA account has a lot more purchasing power than that same $100 once taxes are subtracted in your checking account.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-84\"><strong>Shop Around for Your Doctor and Prescriptions</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-85\">Most consumers would be surprised to discover how much prices for health services and procedures can vary from doctor to doctor or pharmacy to pharmacy, says Botta.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-87\">There\'s an emerging crop of online platforms and apps that allow consumers to comparison-shop among physicians and medical facilities—including Botta\'s own platform Sesame, and Amina, an app that launched in 2016 with the goal of allowing consumers to choose doctors based on knowing ahead of time how much the medical professional charges.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-91\">Yes, this may seem like a radical idea, but when you think about all of the other things you buy in life (including the many monthly services on this checklist), the price you\'re expected to pay is inevitably made clear upfront. Doctor and hospital fees are one of the few areas where this is simply not the case—and you often have very little idea what your costs will be until after you\'ve received the service.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-93\">\"You would be shocked at how much prices for health services can vary from doctor to doctor or pharmacy to pharmacy,\" says Botta. \"If you pay for any of your own care—whether out of pocket or via an insurance deductible—you can save much more than you think by comparing pricing.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/work-life/money/money-planning/lower-monthly-bills-checklist\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Lower Your Monthly Bills: a Checklist','','publish','closed','closed','','how-to-lower-your-monthly-bills-a-checklist','','','2023-05-29 17:09:03','2023-05-29 17:09:03','',0,'http://smartinsurance.tips/?p=3189',0,'post','',0),(3190,1,'2023-05-29 16:34:02','2023-05-29 16:34:02','','My-project-1-29','','inherit','closed','closed','','my-project-1-29','','','2023-05-29 16:34:02','2023-05-29 16:34:02','',3189,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-29.png',0,'attachment','image/png',0),(3191,1,'2023-05-29 17:09:03','2023-05-29 17:09:03','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These strategies from money experts can save you some serious cash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3190,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-29.png\" alt=\"\" class=\"wp-image-3190\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">When inflation skyrockets, so does the cost of everything from groceries and gas to monthly energy bills. For those trying to live on a tight budget (or who simply want to avoid spending a small fortune to get by each month), it has never been more essential to find ways to bring down your monthly cost of living.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">To help with this all-important effort, we asked money experts to share tips for reducing the cost of common monthly bills. (Think: mortgages, cable television, cell phone plans, health care, and even insurance.) Here\'s your go-to guide for keeping more money in your pocket each month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-4\">To Lower Your Mortgage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\"><strong>Refinance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-6\">Check the current interest rates and see if it\'s an opportune time to consider refinancing your home mortgage.<br><br>\"Review your mortgage interest rate to see if you might be able to reduce the rate by refinancing,\" says Melissa Walsh, CFA, and CFP, with Florida-based Clarity Financial Design. \"Your mortgage should be reviewed every year to see if you can save on interest expenses by paying a lower interest rate.\"<br><br>When contemplating a refinance, however, be sure to consider the total cost of the process, including such expenses as an appraisal and legal fees, and closing costs, to make sure it\'s a step that ultimately saves you money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">For instance, it will not make sense to lay out thousands of dollars to refinance in pursuit of a lower monthly mortgage payment if you do not intend to continue living in your home for at least a few more years.<br><br>\"Consider how long you\'re planning to stay in your current home,\" Walsh adds. \"Generally, the longer you plan to stay, the more you\'ll be able to save by refinancing your mortgage.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\"><strong>Cancel Private Mortgage Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\">Many homeowners pay $100 or more each month for private mortgage insurance (PMI) and often doing so has no benefit.<br><br>\"PMI simply protects the lender,\" says Kenny Li, CFA and director of investments for the asset management firm LNG MGMT. \"If your mortgage balance has reached 80 percent—meaning you\'ve made enough payments to gain 20 percent equity in your home—you can request that your mortgage insurance be canceled.\"<br><br>In most cases, mortgage insurance is canceled automatically once your mortgage balance hits 78 percent or you\'re halfway through your loan term, whichever comes first. But you\'ll save money by canceling it as soon as possible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-15\">To Lower Your Insurance Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\"><strong>Review Your Home Insurance Policy</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">If you own a home, then having a homeowners insurance policy is a must in order to protect your investment and your personal belongings. But that doesn\'t mean you can\'t call your insurance provider each year and review the various charges associated with your policy to identify opportunities to reduce any unnecessary costs.<br><br>\"Check with your homeowner\'s insurance agent to find out where you might be able to intelligently save money off your premium,\" says Stacey Giulianti, of Peninsula Insurance. \"If you have savings put away, consider increasing the deductible on your insurance policy, which will reduce your annual premium.\"<br><br>In addition, inquire about whether your insurance provider offers a less expensive coverage option for damaged personal property known as Actual Cash Value (ACV), advises Giulianti.<br><br>\"Actual Cash Value is a less expensive option than Replacement Cost,\" explains Giulianti. \"But make sure you work with your agent to understand all the ramifications of making such changes first.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\"><strong>Shop Around for a New Policy</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-20\">Yet another way to save money on insurance policies is to make it a regular habit to shop around for the best, most competitive offers.<br><br>\"Shopping around for insurance can save hundreds each year,\" says Martin Boonzaayer, CEO of The Trusted Home Buyer. \"Sometimes even just suggesting that you will leave your current carrier will result in receiving \'hidden discounts\' that were never mentioned to you before.\"<br><br>It\'s also worth noting that there are numerous online insurance marketplaces and price comparison websites these days, such as Policygenius and The Zebra.<br><br>\"In today\'s digital age, it\'s very easy to find the lowest rates by plugging in your information online and generating quotes from multiple carriers at once to ensure you\'re getting the best rate,\" says Jonathan Svensson, co-founder, and partner with the financial platform Almvest.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-22\">To Lower Your Utility Bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\"><strong>Turn Your Thermostat Down</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">This should be an obvious tip, but in case you\'re not already implementing this habit, turn your thermostat down and save yourself a few dollars on monthly heating bills. This is especially important given that the cost of energy has risen to its highest level in decades.<br><br>\"You can save from 1 percent to 2 percent for each degree of temperature you lower your winter thermostat setting,\" says Todd Christensen, education manager for the Idaho-based non-profit agency Debt Reduction Services. \"If you currently pay $200 a month during the winter for your heating bill, and if you keep your home at 75 degrees, you could turn it down to 70 degrees and save $10 to $20 a month.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\"><strong>Reverse Your Ceiling Fans</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">It\'s also possible to bring down energy costs slightly by simply changing the direction in which your ceiling fans operate come winter.<br><br>\"Reverse your ceiling fans (there is a switch to do this on most units) to push the warm air back down, rather than have the warm air get sucked up toward the ceiling,\" says Scott Alan Turner, a certified financial planner, and consumer advocate.<br><br>This simple step should help keep your home warmer, allowing you to resist the temptation to crank the thermostat.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\"><strong>Switch to Solar Energy</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-30\">With climate change causing increasing devastation around the world, it has never been more important to start transitioning to renewable energy sources and weaning ourselves off damaging fossil fuels. Going solar is a great way to help save the planet while also saving yourself money each month on energy bills.<br><br>\"Yes, it\'s a bit of an upfront investment, but with the sun being a free power source, you\'re able to power a household mostly out of solar energy in the long run,\" says Jay Whitacre, chief scientist and founder of Aquion Energy. \"What\'s more, you can sell the excess energy your solar panels generate through net metering programs, which allows you to earn money instead.\"<br><br>Now is the time to educate yourself about solar energy and make the switch, as fossil fuel energy providers and special interest groups across the nation are actively working behind the s cenes to revise the current system and make solar more expensive in the future for homeowners in an effort to discourage the clean energy revolution.<br><br>This is particularly true in California, where the state\'s three investor-owned utilities—Pacific Gas and Electric (PG&amp;E), Southern California Edison (SoCal Edison), and San Diego Gas and Electric (SDG&amp;E)—proposed dramatic changes to the state\'s net metering program in 2020 that would impose steep mandatory fees on solar customers and slash net metering payments resulting from solar energy systems.<br><br>The changes being advanced by fossil fuel utilities would eliminate the economic viability of solar power for many Californians, especially those with low to moderate incomes, according to Frontier Group.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\"><strong>Shop for a Better Electricity Price</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">If you live in one of the more than two dozen states that allow consumers to shop around for electricity or natural gas from different providers, this is yet another option for potentially lowering your monthly costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-37\">\"If you haven\'t checked how your current electric or gas rate compares, you can probably save by switching,\" says Jordan Hobfoll, CEO of Energy Simply, a comparison site for Texas residents.<br><br>Just make sure you shop on a state-sponsored comparison site and stay with transparent and straightforward plans, advises Hobfoll.<br><br>A variety of websites provide more information about electricity choice and the states where it is available. More details are available from National Renewable Energy Laboratory and also from the US Energy Information Administration.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\"><strong>Install a Smart Thermostat</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-40\">Various studies have shown that making the switch to a smart thermostat can save you money. If you\'re considering purchasing one, be sure to opt for a model that has an ENERGY STAR rating. This stamp of approval, according to CNET, means the thermostat has gone through an independent certification process verifying that it will actually save you money.<br><br>WiFi-enabled smart thermostats are designed to communicate with you via an app and actively help you use less energy, thus saving you cash over the course of time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-42\">To Lower Your Transportation Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-43\"><strong>Use GasBuddy</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-44\">If you haven\'t yet downloaded the GasBuddy app (which helps you find the cheapest gas stations around), now is the time to do so.<br><br>\"GasBuddy is one of my favorite applications that can help you find low-cost gas in your area,\" says Jeffrey Zhou, co-founder, and CEO of Fig Loans. \"Everyone knows that inflation is taking the fuel market by storm right now, and we all need to get to work. Take advantage of deals in your area to lessen the impact on your credit card.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-46\"><strong>Ask About Working Remotely</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-47\">Working remotely has certainly become the norm for many companies since the COVID-19 outbreak. But if you haven\'t joined the masses yet, now may be the time to find out whether you\'re able to do so in order to save money on commuting each day.<br><br>\"In the past, the solution to saving on transportation costs was carpooling or using public transportation systems,\" says Jake Oyler of Colwyn Investments. \"Those options are still valid and available. However, with the effects of the recent pandemic, many employers have begun to offer remote work options for employees... If your employer hasn\'t offered this option to you, it would be worth asking about your options.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-49\"><strong>Drive a Hybrid or Electric Vehicle</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-50\">Yet another revolution slowing gaining traction is the switch to electric or hybrid vehicles, which can save you substantially on the cost of fuel, if not eliminate the expense altogether. It\'s a move that\'s good for your bottom line and for the planet.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-52\"><strong>Consolidate Your Trips</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-53\">Planning your driving trips carefully and consolidating the errands you run each day and week can also help cut back on fuel expenses.<br><br>\"Saving on gas is something we\'re all acquainted with, in theory at least,\" says Brian DeChesare, CEO of the financial career platform Breaking Into Wall Street. \"With inflation and supply chain issues, more of us are being forced to think creatively about how we use our personal vehicles. One thing that helps is to get organized. Do your best to plan any trips, especially the miscellaneous ones that tend to add up throughout the week.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-55\">\"The more you can consolidate your car rides into fewer trips, the more you\'ll save on gas,\" says DeChesare. \"It takes a considerable amount of gasoline to start your car up, plus all that time stuck in traffic is quite taxing, too.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-57\">To Lower Your Cable and Internet Bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-58\"><strong>Ask Your Provider for a Lower Rate</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-59\">So many of us just accept the cost of our cable bills without a second thought. But now is hardly the time to simply accept what we are being sold without question.<br><br>\"Call up your service provider and ask for a better rate,\" says Turner. \"Most people will go years without shopping around for new service or price comparing. Companies want to keep their customers. Taking 10 minutes to ask for a discount, reduced rate, or one-time credit can easily get you $20 to $200 in savings.\"<br><br>It\'s also a good idea to spend some time carefully reviewing your monthly cable and internet bills to ensure no new charges have quietly been tacked on to what you\'re paying.<br><br>\"Make sure there aren\'t any sneaky charges, like a rental fee for your modem, or other fees that could be negotiated out of the bill to save you cash,\" says Zhou, of Fig Loans.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-61\"><strong>Stop Paying for Channels You Don\'t Watch</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-62\">It\'s surprising that anyone buys cable television anymore from big legacy providers, companies that have a history of price gouging in places where competition is limited.<br><br>Ditch the ridiculously steep monthly cable bills from the likes of AT&amp;T and Spectrum and switch instead to on-demand entertainment from such providers as Netflix, Hulu, and more. To do this, simply invest in a low-cost Roku Express or similar device and begin streaming programs using your internet.<br><br>\"If you only watch a few networks, a handful of shows, or don\'t watch live TV, switch from cable to a streaming service or two instead,\" says Lauren Bringle, accredited financial counselor with Self Financial, a fintech company that helps users build credit and save money. \"That way you pay maybe $20 to $30 for streaming instead of $100 or more for cable each month. Just be conscious of how many streaming services you stack on top of each other, or you could pay just as much for streaming as you do for cable.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-64\"><strong>Learn Your Internet Speed</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-65\">Don\'t pay for premium internet service if that\'s not what you truly need.<br><br>\"If you\'re a big video gamer, your job requires high-bandwidth internet, or you have a large family with everyone on the network at once, you may need to pay extra for premium internet,\" says Bringle. \"If you only have one or two people in the home though, use the internet for basic things, or don\'t work remotely, consider downgrading to a cheaper plan to save money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-67\">To Lower Your Cell Phone Bill</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-68\"><strong>Eliminate That Mobile Hotspot You Don\'t Use</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-69\">Mobile hotspots on your phone can be a great convenience—unless, of course, you don\'t use them at all. In that case, they are a gigantic waste of money.<br><br>\"One of the top ways to save on your phone bill is to check if you\'re using your mobile hot spot,\" says Chen. \"The main difference between the major U.S. cellular carriers\' premium and basic plans is the mobile hotspot. If you\'re not using this feature at all, you can save $15 per line every month by switching to a different plan.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-71\"><strong>Switch to a Smaller Service Provider</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-72\">If you\'re with a top-tier mobile phone carrier, such as Verizon, AT&amp;T, or T-Mobile, do yourself and your bottom line a favor and look into a second-tier provider. There\'s no reason to continue paying the steep prices charged by major carriers.<br><br>\"Smaller providers typically use the same cell phone towers, providing similar reception, but at lower rates,\" says Christensen, of Debt Reduction Services. \"On the downside, they will not typically have as many perks to choose from, but if you\'re not taking advantage of these perks already, you won\'t miss them.\"<br><br>Guadalupe Sanchez, founder of the website Budgeting in Blue, switched her cell phone plan to smaller carrier Cricket and has never looked back.<br><br>\"My cell phone bill is only $25 a month, and I love it,\" says Sanchez. \"I\'ve never had any problems. I refuse to spend more than $25 on a cell phone bill, especially since I don\'t have to. If you\'re spending more than $25 a month and don\'t want to switch carriers, call your provider and let them know Cricket offers that deal. It\'s as simple as calling your provider and asking for a discount. Most phone carriers don\'t want you to leave and they\'ll offer you a discount to stay.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-74\">It\'s also worth noting that for the $25 she pays each month, Sanchez gets unlimited calls, texts, and data—meaning she is sacrificing very little for that price. Some of the other smaller carriers to investigate include StraightTalk and Mint Mobile.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-76\">To Lower Your Health Care Costs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-77\"><strong>Use an HSA or FSA</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-78\">Many employers these days offer Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)—both of which can help you save money on health care costs, says Michael Botta, who holds a PhD in health economics and policy from Harvard University, and is a health cost expert who assisted with the creation of Obamacare.<br><br>\"You can fund these accounts with pre-tax dollars from your paycheck. And when unpredictable expenses come up (often things like urgent care or hospital stays), you can apply for money from your HSA or FSA toward any medical bill,\" says Botta, co-founder of the healthcare marketplace Sesame.<br><br>If your employer doesn\'t offer these plans, consider asking them to establish one, says Botta. There are also individual options to access these types of accounts.<br><br>\"Companies like HSA Bank and Health Savings Administrators offer individually-funded HSAs, and you can set up a regular contribution from your paycheck,\" says Botta.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-80\">No matter how you access these types of accounts, you\'ll want to max out your contributions, says Robin Saks Frankel, personal finance expert for Forbes Advisor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-82\">\"Since the funds deposited into these accounts aren\'t subject to taxes, think of them as getting a big discount on paying for health care services and products,\" says Frankel. \"For example, $100 in an FSA account has a lot more purchasing power than that same $100 once taxes are subtracted in your checking account.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-84\"><strong>Shop Around for Your Doctor and Prescriptions</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-85\">Most consumers would be surprised to discover how much prices for health services and procedures can vary from doctor to doctor or pharmacy to pharmacy, says Botta.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-87\">There\'s an emerging crop of online platforms and apps that allow consumers to comparison-shop among physicians and medical facilities—including Botta\'s own platform Sesame, and Amina, an app that launched in 2016 with the goal of allowing consumers to choose doctors based on knowing ahead of time how much the medical professional charges.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-91\">Yes, this may seem like a radical idea, but when you think about all of the other things you buy in life (including the many monthly services on this checklist), the price you\'re expected to pay is inevitably made clear upfront. Doctor and hospital fees are one of the few areas where this is simply not the case—and you often have very little idea what your costs will be until after you\'ve received the service.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-93\">\"You would be shocked at how much prices for health services can vary from doctor to doctor or pharmacy to pharmacy,\" says Botta. \"If you pay for any of your own care—whether out of pocket or via an insurance deductible—you can save much more than you think by comparing pricing.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/work-life/money/money-planning/lower-monthly-bills-checklist\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Lower Your Monthly Bills: a Checklist','','inherit','closed','closed','','3189-revision-v1','','','2023-05-29 17:09:03','2023-05-29 17:09:03','',3189,'http://smartinsurance.tips/?p=3191',0,'revision','',0),(3192,1,'2023-05-29 19:10:36','2023-05-29 19:10:36','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Finances alone can be stressful, but checking small items off your list can help put your mind at ease.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3193,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-1.png\" alt=\"\" class=\"wp-image-3193\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Whether it\'s going out for a run, seeing a therapist, or drinking green juice, we all have things we do as part of a self-care routine to reduce stress. While integrating these things into our lifestyles might have felt uncomfortable in the beginning—once you start moving, talking about your feelings, or even learning to like kale, these things may actually start to make you feel good.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">The same idea can apply to checking things of your personal finance to-do list. If tasks like checking your bank account balances or paying your monthly credit card bill make you cringe—know you aren’t alone. The results of a study that surveyed more than 19,000 adults in the United States showed that 60 percent felt anxious when thinking about their personal finances and 50 percent felt stressed discussing the topic.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">“Financial stress has been seen as an unshakable part of adulthood for so many,\" says Maia Monell, MS, co-founder of personal finance app, Nav.it. \"Mounting debt, expenses, and an abundance of predatory financial actors all make mitigating financial health incredibly challenging.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">So, what’s the key to making money feel less stressful? Monell believes it involves creating a daily financial health routine akin to other self-care practices. “As reducing financial stress is key to unlocking long-term health, we must begin to practice good financial health regularly to build confidence in our ability to overcome challenges, navigate decisions and optimize our financial health outcomes to live our best lives,” she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\">Below, take note of seven small finance tasks you can do to help minimize your stress around money. Trying to accomplish all seven at once could feel overwhelming, so try to start with just productive finance task and build from there. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-11\">Download a personal finance app</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">\"The best way to deal with overwhelm is to increase your awareness around the problem at hand and take action towards changing the situation,\" says Diana Yáñez, certified financial planner and registered life planner. \"Start [with whatever] feels easiest and gentlest or most aligned with your goal—just make sure to start.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-14\">One easy step to take is to simply download an app. Whether it\'s a personal finance app like Nav.it or just the free one that your bank or credit card company offers, it\'s a step in the right direction. Having on-demand access to your financial information can feel empowering. You may also be able to sign up for notifications like credit line increases and fraud alerts depending on what your financial institution offers. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-18\">Write down your financial goals&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Want to buy a house? Open up college savings accounts for your children? Or put money into a retirement fund? Monell recommends writing these goals down and then making a plan for each. “Begin by listing out short-term and long-term financial goals, then map out a monthly, weekly, and daily routine [to get you to those goals],” she says.&nbsp;Having a clear timeline planned out for your goals can give you a better idea of where you stand, and keep you from stressing over the unknown.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-21\">Face any account issues immediately</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-22\">Did you just receive a fraud alert text from your bank? Do you think you were accidentally charged twice for the same purchase? Was your card declined for a $5 cup of coffee? Things like this can happen to all of us from time to time regardless of how much money is in our bank account.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">Even if you check your balances and cards regularly, if something comes up, you should handle it immediately. While it could be something more serious like identity theft, it could also be a technical glitch or, best case scenario, nothing at all. After all, while it’s certainly stressful to check your accounts at inopportune times, like at work or during brunch with friends—nipping a problem in the bud is much easier than untangling a web of identity theft when your account suddenly has a zero balance or spending hours on the phone with customer service.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-26\">Check your balances regularly</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\"><strong>“</strong>Because finances are such a source of stress, many people ignore their bank accounts and avoid having a monthly budget plan,\" says therapist Justine Carino. \"Avoidance makes the stress even worse because we lack awareness and begin to feel out of control of our finances. Avoidance is the most unhelpful coping mechanism for anxiety and stress, but it\'s the most commonly used. If you can get into the routine of looking at your bank accounts weekly, you will be able to hit goals and feel less stress.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">So, make a plan and put it on your calendar. For example, check your bank account balance every Wednesday at noon and your credit cards every Sunday at 6 p.m. The more you do this, the easier it will get.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-31\">Have a monthly budget</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">No one enjoys budgeting, but it helps you save money in the long run and gives you greater awareness and control of your finances. Whether you use an app, make a spreadsheet, or put pen to paper—figure out which way works best for you. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-36\">Educate yourself on money management</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-37\">Want money to feel less intimidating and or to educate yourself on the best ways to maximize your funds? Check out a book on financial wellness from your local library or shop for affordable titles online. Commit to reading a couple chapters a week—or whatever works for you—and start to feel a bit more empowered in your knowledge of personal finances.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\">Not a reader? Hit the subscribe button to one of the many free podcasts out there about money and investing. Search for personal finance on your preferred podcast platform and try to find a host and message you connect with. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-43\">Talk to an expert</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-44\">Taking care of your finances alone can be scary and overwhelming. So why not get some professional help? Financial planners and coaches know how to maximize cash, minimize interest, and make the most of investments. “Talk with a professional money person through the Foundation for Financial Planning or start educating yourself through resources like The Financial Diet, I Will Teach You To Be Rich, or All the Colors,” says Yáñez.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/small-finance-tasks-to-minimize-stress-7100035\">click here.</a></p>\n<!-- /wp:paragraph -->','7 Small Finance Tasks You Can Do to Minimize Your Stress','','publish','closed','closed','','7-small-finance-tasks-you-can-do-to-minimize-your-stress','','','2023-05-29 19:10:36','2023-05-29 19:10:36','',0,'http://smartinsurance.tips/?p=3192',0,'post','',0),(3193,1,'2023-05-29 19:06:31','2023-05-29 19:06:31','','My-project-1-1','','inherit','closed','closed','','my-project-1-1-2','','','2023-05-29 19:06:31','2023-05-29 19:06:31','',3192,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-1.png',0,'attachment','image/png',0),(3194,1,'2023-05-29 19:10:36','2023-05-29 19:10:36','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Finances alone can be stressful, but checking small items off your list can help put your mind at ease.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3193,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-1.png\" alt=\"\" class=\"wp-image-3193\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Whether it\'s going out for a run, seeing a therapist, or drinking green juice, we all have things we do as part of a self-care routine to reduce stress. While integrating these things into our lifestyles might have felt uncomfortable in the beginning—once you start moving, talking about your feelings, or even learning to like kale, these things may actually start to make you feel good.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">The same idea can apply to checking things of your personal finance to-do list. If tasks like checking your bank account balances or paying your monthly credit card bill make you cringe—know you aren’t alone. The results of a study that surveyed more than 19,000 adults in the United States showed that 60 percent felt anxious when thinking about their personal finances and 50 percent felt stressed discussing the topic.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">“Financial stress has been seen as an unshakable part of adulthood for so many,\" says Maia Monell, MS, co-founder of personal finance app, Nav.it. \"Mounting debt, expenses, and an abundance of predatory financial actors all make mitigating financial health incredibly challenging.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">So, what’s the key to making money feel less stressful? Monell believes it involves creating a daily financial health routine akin to other self-care practices. “As reducing financial stress is key to unlocking long-term health, we must begin to practice good financial health regularly to build confidence in our ability to overcome challenges, navigate decisions and optimize our financial health outcomes to live our best lives,” she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\">Below, take note of seven small finance tasks you can do to help minimize your stress around money. Trying to accomplish all seven at once could feel overwhelming, so try to start with just productive finance task and build from there. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-11\">Download a personal finance app</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">\"The best way to deal with overwhelm is to increase your awareness around the problem at hand and take action towards changing the situation,\" says Diana Yáñez, certified financial planner and registered life planner. \"Start [with whatever] feels easiest and gentlest or most aligned with your goal—just make sure to start.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-14\">One easy step to take is to simply download an app. Whether it\'s a personal finance app like Nav.it or just the free one that your bank or credit card company offers, it\'s a step in the right direction. Having on-demand access to your financial information can feel empowering. You may also be able to sign up for notifications like credit line increases and fraud alerts depending on what your financial institution offers. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-18\">Write down your financial goals&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Want to buy a house? Open up college savings accounts for your children? Or put money into a retirement fund? Monell recommends writing these goals down and then making a plan for each. “Begin by listing out short-term and long-term financial goals, then map out a monthly, weekly, and daily routine [to get you to those goals],” she says.&nbsp;Having a clear timeline planned out for your goals can give you a better idea of where you stand, and keep you from stressing over the unknown.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-21\">Face any account issues immediately</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-22\">Did you just receive a fraud alert text from your bank? Do you think you were accidentally charged twice for the same purchase? Was your card declined for a $5 cup of coffee? Things like this can happen to all of us from time to time regardless of how much money is in our bank account.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">Even if you check your balances and cards regularly, if something comes up, you should handle it immediately. While it could be something more serious like identity theft, it could also be a technical glitch or, best case scenario, nothing at all. After all, while it’s certainly stressful to check your accounts at inopportune times, like at work or during brunch with friends—nipping a problem in the bud is much easier than untangling a web of identity theft when your account suddenly has a zero balance or spending hours on the phone with customer service.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-26\">Check your balances regularly</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\"><strong>“</strong>Because finances are such a source of stress, many people ignore their bank accounts and avoid having a monthly budget plan,\" says therapist Justine Carino. \"Avoidance makes the stress even worse because we lack awareness and begin to feel out of control of our finances. Avoidance is the most unhelpful coping mechanism for anxiety and stress, but it\'s the most commonly used. If you can get into the routine of looking at your bank accounts weekly, you will be able to hit goals and feel less stress.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">So, make a plan and put it on your calendar. For example, check your bank account balance every Wednesday at noon and your credit cards every Sunday at 6 p.m. The more you do this, the easier it will get.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-31\">Have a monthly budget</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">No one enjoys budgeting, but it helps you save money in the long run and gives you greater awareness and control of your finances. Whether you use an app, make a spreadsheet, or put pen to paper—figure out which way works best for you. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-36\">Educate yourself on money management</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-37\">Want money to feel less intimidating and or to educate yourself on the best ways to maximize your funds? Check out a book on financial wellness from your local library or shop for affordable titles online. Commit to reading a couple chapters a week—or whatever works for you—and start to feel a bit more empowered in your knowledge of personal finances.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\">Not a reader? Hit the subscribe button to one of the many free podcasts out there about money and investing. Search for personal finance on your preferred podcast platform and try to find a host and message you connect with. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-43\">Talk to an expert</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-44\">Taking care of your finances alone can be scary and overwhelming. So why not get some professional help? Financial planners and coaches know how to maximize cash, minimize interest, and make the most of investments. “Talk with a professional money person through the Foundation for Financial Planning or start educating yourself through resources like The Financial Diet, I Will Teach You To Be Rich, or All the Colors,” says Yáñez.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/small-finance-tasks-to-minimize-stress-7100035\">click here.</a></p>\n<!-- /wp:paragraph -->','7 Small Finance Tasks You Can Do to Minimize Your Stress','','inherit','closed','closed','','3192-revision-v1','','','2023-05-29 19:10:36','2023-05-29 19:10:36','',3192,'http://smartinsurance.tips/?p=3194',0,'revision','',0),(3195,1,'2023-05-29 19:15:20','2023-05-29 19:15:20','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Smart thermostats, wifi-enabled sprinklers, and more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3196,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-2.png\" alt=\"\" class=\"wp-image-3196\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Your home is your castle, so you want to make it as comfortable as possible. Integrating technology can provide not only convenience, but also make your home more efficient—which is good for the planet and your wallet. While certain upgrades, like being able to control your heating, cooling, and lighting with your smart phone, may sound unnecessarily convenient, they can give you more control over your energy use, and, in turn, your bills.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">So, don\'t be afraid of smart home technology. When you use it right, it can quickly pay for itself. We asked home experts which tech home upgrades are most worth it to save money and energy. Find out what they recommend, and why, 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\" id=\"mntl-sc-block_1-0-7\">Water efficiency tools</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">According to the Environmental Protection Agency, the average American uses 82 gallons of water per day at home. And according to Thumbtack’s home expert, David Steckel, this is problematic because sustainable water consumption is important—especially in drought-prone areas of the country.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">“There\'s a lot of work that we can do to improve our water consumption, and in turn make it more sustainable,” he says.&nbsp; “From low-flow showers to tankless water heaters and smart irrigation systems, we’ll continue to see a rise in smart home technologies that help us minimize our climate footprint.”</p>\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\">The EPA also notes that 10 percent of households waste 90 gallons of water a day through toilets, faucets, and other types of leaks in the home. \"There are a lot of new advancements in smart home technology that can automatically shut off water systems if a leak is detected,” Steckel says. Smart water leak detectors have sensors that will trigger when just a few drops are detected, and also send alerts when water pressure changes or water usage spikes.</p>\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\">Smart technology can help you use water more efficiently outside your home, too. “Wifi enabled sprinkler systems that monitor real-time rainfall and adjust the watering times save both water and energy,” says Karen Kostiw, a real estate agent at Coldwell Banker Warburg in New York City.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-18\">Energy efficient appliances</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Opting for energy efficient appliances (specifically those with the Energy Star symbol) throughout the house can help you save energy and money. Energy Star-certified refrigerators, for example, are approximately 9 percent more energy efficient than other models that just meet the federal minimum standard for energy efficiency. They have compressors that create less heat and use less energy, along with improvements in insulation, and also temperature and defrost components that are more efficient to operate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">“Of course, no matter how much money one has, most people want to save as much as they can,” Dawn Watson, a Hamptons-based licensed real estate agent at SERHANT, says. “Energy-efficient appliances do just that, plus they\'re better for the environment, and are standard in new product lines from most major brands.” In addition to refrigerators and freezers, other types of energy-efficient appliances include washing machines, dryers, dishwashers, and dehumidifiers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">Some of these energy efficient machines are also smart appliances. These offer a variety of features, such as letting you look inside the fridge without opening the door, sending an alert when someone opens the refrigerator door, and allowing you to schedule your dishwasher, washing machine, or dryer to operate when the electricity rates are low.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">Smart thermostats are another beneficial addition, allowing you to monitor and control temperatures (via your phone) when you\'re home and when you\'re away. \"You can regulate your home\'s temperature on a real-time basis and this will minimize energy bills,” says Kostiw. \"This ensures the home is safely regulated and will prevent any damage when the temperature drops or heats up quickly.”</p>\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_1-0-27\">Kostiw explains that this is important because while you’re out of town, the temperature could unexpectedly drop quickly, and your pipes could burst. “Therefore, the ability to maintain the temperature while you\'re away enables you to avoid such a problem,” she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-29\">Home monitoring and security devices</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-30\">One way to save money is by avoiding home thefts. “Ring doorbells were all the rave last year, and home safety is a growing category for smart home technology,” says Steckel. \"From security systems that are compatible with Alexa and Google Assistant, to smart locks that give us peace of mind when questioning whether or not we locked the door as we were running out of the house, it’s getting easier to afford and access home safety systems with our phones and smart home technology.”</p>\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_1-0-32\">Another smart device you may not have considered: “Garage door openers that can be used via your phone allows deliveries to be made inside your garage, which reduces the risk of package theft from deliveries being left outside and stolen,” says Kostiw. Both Amazon and Walmart have established programs for in-garage deliveries.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-34\">Smart lighting</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-35\">The ability to remotely turn lights on and off is another tech advance that can provide security and convenience. <strong>“</strong>Being able to turn outside lights on and off from the comfort of your bed is a great way to monitor funny sounds in the yard,” says Ellen I. Sykes, broker at Coldwell Banker Warburg in New York City.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-37\">In addition, don’t underestimate the value of smart LED light bulbs. “If you replace your regular bulbs with these, you can turn everything on and off from your armchair and your iPhone, and this is particularly helpful for people who can’t get around as easily as they would like,” Sykes says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\">Plus, if you leave the house without turning off the lights, you can flip the switch remotely and save on electricity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-41\">Solar energy technology</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-42\">As electricity costs continue to rise, solar energy is increasing in popularity. “Bottom line—solar energy is an excellent option for those who are looking to save on their electric bills and decrease their carbon footprint,” Steckel says. “Higher quality panels may cost more upfront, but will most likely save you a good chunk of change in the long term.” The average payback period—how long it takes before you\'ve saved more than you spent—for solar is about 8 years, according to Energysage, but solar panels can last for 25 to 30 years, giving you at least 17 years of major 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\" id=\"mntl-sc-block_1-0-44\">According to <em>Forbes</em>, the average cost of solar panels for homes is $16,000, but the costs range from $3,500 to $35,000, depending on the type and model. Steckel says the cost is based on several factors, including how much solar energy the panels need to generate, and also the slope of your south-facing roof—since that’s where the solar panels tend to be mounted. “Typically, solar panels cost between $0.30 and $1.30 per watt, without installation costs—so it will cost $75-$490 for each solar panel.”</p>\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_1-0-48\">Homeowners are also turning to portable solar generators to keep the lights and other items on during power outages. Conventional generators can only be used outdoors since they pose health and safety concerns, but portable solar generators can operate indoors and can be charged via a wall outlet or even a 12-volt car outlet. Once charged, you can plug everything from smartphones and laptops to coffee makers, blenders, TVs, and refrigerators into these 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\" id=\"mntl-sc-block_1-0-50\">While smart home tech can can be costly at first, many of these upgrades are small changes that account for big payoffs. So, if you\'re looking to lower your bills and make your home more energy efficient, consider slowly integrating some of this technology into your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/home-technology-to-save-money-and-energy-7229250\">click here.</a></p>\n<!-- /wp:paragraph -->','Home Tech Upgrades That Can Save Money and Make Your Home More Efficient','','publish','closed','closed','','home-tech-upgrades-that-can-save-money-and-make-your-home-more-efficient-2','','','2023-05-29 19:15:20','2023-05-29 19:15:20','',0,'http://smartinsurance.tips/?p=3195',0,'post','',0),(3196,1,'2023-05-29 19:11:55','2023-05-29 19:11:55','','My-project-1-2','','inherit','closed','closed','','my-project-1-2','','','2023-05-29 19:11:55','2023-05-29 19:11:55','',3195,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-2.png',0,'attachment','image/png',0),(3197,1,'2023-05-29 19:15:20','2023-05-29 19:15:20','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Smart thermostats, wifi-enabled sprinklers, and more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3196,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-2.png\" alt=\"\" class=\"wp-image-3196\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Your home is your castle, so you want to make it as comfortable as possible. Integrating technology can provide not only convenience, but also make your home more efficient—which is good for the planet and your wallet. While certain upgrades, like being able to control your heating, cooling, and lighting with your smart phone, may sound unnecessarily convenient, they can give you more control over your energy use, and, in turn, your bills.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">So, don\'t be afraid of smart home technology. When you use it right, it can quickly pay for itself. We asked home experts which tech home upgrades are most worth it to save money and energy. Find out what they recommend, and why, 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\" id=\"mntl-sc-block_1-0-7\">Water efficiency tools</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">According to the Environmental Protection Agency, the average American uses 82 gallons of water per day at home. And according to Thumbtack’s home expert, David Steckel, this is problematic because sustainable water consumption is important—especially in drought-prone areas of the country.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">“There\'s a lot of work that we can do to improve our water consumption, and in turn make it more sustainable,” he says.&nbsp; “From low-flow showers to tankless water heaters and smart irrigation systems, we’ll continue to see a rise in smart home technologies that help us minimize our climate footprint.”</p>\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\">The EPA also notes that 10 percent of households waste 90 gallons of water a day through toilets, faucets, and other types of leaks in the home. \"There are a lot of new advancements in smart home technology that can automatically shut off water systems if a leak is detected,” Steckel says. Smart water leak detectors have sensors that will trigger when just a few drops are detected, and also send alerts when water pressure changes or water usage spikes.</p>\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\">Smart technology can help you use water more efficiently outside your home, too. “Wifi enabled sprinkler systems that monitor real-time rainfall and adjust the watering times save both water and energy,” says Karen Kostiw, a real estate agent at Coldwell Banker Warburg in New York City.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-18\">Energy efficient appliances</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Opting for energy efficient appliances (specifically those with the Energy Star symbol) throughout the house can help you save energy and money. Energy Star-certified refrigerators, for example, are approximately 9 percent more energy efficient than other models that just meet the federal minimum standard for energy efficiency. They have compressors that create less heat and use less energy, along with improvements in insulation, and also temperature and defrost components that are more efficient to operate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">“Of course, no matter how much money one has, most people want to save as much as they can,” Dawn Watson, a Hamptons-based licensed real estate agent at SERHANT, says. “Energy-efficient appliances do just that, plus they\'re better for the environment, and are standard in new product lines from most major brands.” In addition to refrigerators and freezers, other types of energy-efficient appliances include washing machines, dryers, dishwashers, and dehumidifiers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">Some of these energy efficient machines are also smart appliances. These offer a variety of features, such as letting you look inside the fridge without opening the door, sending an alert when someone opens the refrigerator door, and allowing you to schedule your dishwasher, washing machine, or dryer to operate when the electricity rates are low.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">Smart thermostats are another beneficial addition, allowing you to monitor and control temperatures (via your phone) when you\'re home and when you\'re away. \"You can regulate your home\'s temperature on a real-time basis and this will minimize energy bills,” says Kostiw. \"This ensures the home is safely regulated and will prevent any damage when the temperature drops or heats up quickly.”</p>\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_1-0-27\">Kostiw explains that this is important because while you’re out of town, the temperature could unexpectedly drop quickly, and your pipes could burst. “Therefore, the ability to maintain the temperature while you\'re away enables you to avoid such a problem,” she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-29\">Home monitoring and security devices</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-30\">One way to save money is by avoiding home thefts. “Ring doorbells were all the rave last year, and home safety is a growing category for smart home technology,” says Steckel. \"From security systems that are compatible with Alexa and Google Assistant, to smart locks that give us peace of mind when questioning whether or not we locked the door as we were running out of the house, it’s getting easier to afford and access home safety systems with our phones and smart home technology.”</p>\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_1-0-32\">Another smart device you may not have considered: “Garage door openers that can be used via your phone allows deliveries to be made inside your garage, which reduces the risk of package theft from deliveries being left outside and stolen,” says Kostiw. Both Amazon and Walmart have established programs for in-garage deliveries.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-34\">Smart lighting</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-35\">The ability to remotely turn lights on and off is another tech advance that can provide security and convenience. <strong>“</strong>Being able to turn outside lights on and off from the comfort of your bed is a great way to monitor funny sounds in the yard,” says Ellen I. Sykes, broker at Coldwell Banker Warburg in New York City.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-37\">In addition, don’t underestimate the value of smart LED light bulbs. “If you replace your regular bulbs with these, you can turn everything on and off from your armchair and your iPhone, and this is particularly helpful for people who can’t get around as easily as they would like,” Sykes says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\">Plus, if you leave the house without turning off the lights, you can flip the switch remotely and save on electricity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-41\">Solar energy technology</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-42\">As electricity costs continue to rise, solar energy is increasing in popularity. “Bottom line—solar energy is an excellent option for those who are looking to save on their electric bills and decrease their carbon footprint,” Steckel says. “Higher quality panels may cost more upfront, but will most likely save you a good chunk of change in the long term.” The average payback period—how long it takes before you\'ve saved more than you spent—for solar is about 8 years, according to Energysage, but solar panels can last for 25 to 30 years, giving you at least 17 years of major 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\" id=\"mntl-sc-block_1-0-44\">According to <em>Forbes</em>, the average cost of solar panels for homes is $16,000, but the costs range from $3,500 to $35,000, depending on the type and model. Steckel says the cost is based on several factors, including how much solar energy the panels need to generate, and also the slope of your south-facing roof—since that’s where the solar panels tend to be mounted. “Typically, solar panels cost between $0.30 and $1.30 per watt, without installation costs—so it will cost $75-$490 for each solar panel.”</p>\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_1-0-48\">Homeowners are also turning to portable solar generators to keep the lights and other items on during power outages. Conventional generators can only be used outdoors since they pose health and safety concerns, but portable solar generators can operate indoors and can be charged via a wall outlet or even a 12-volt car outlet. Once charged, you can plug everything from smartphones and laptops to coffee makers, blenders, TVs, and refrigerators into these 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\" id=\"mntl-sc-block_1-0-50\">While smart home tech can can be costly at first, many of these upgrades are small changes that account for big payoffs. So, if you\'re looking to lower your bills and make your home more energy efficient, consider slowly integrating some of this technology into your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/home-technology-to-save-money-and-energy-7229250\">click here.</a></p>\n<!-- /wp:paragraph -->','Home Tech Upgrades That Can Save Money and Make Your Home More Efficient','','inherit','closed','closed','','3195-revision-v1','','','2023-05-29 19:15:20','2023-05-29 19:15:20','',3195,'http://smartinsurance.tips/?p=3197',0,'revision','',0),(3198,1,'2023-05-29 20:07:16','2023-05-29 20:07:16','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s time to create a retirement vision board.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3199,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-4.png\" alt=\"\" class=\"wp-image-3199\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Any fan of vision boarding knows the power of physically manifesting your goals and dreams. Even someone who\'s never made a vision board can agree that seeing what you want written, drawn, or depicted in some tangible way in front of you makes that want more real—and even accessible. There\'s more to getting motivated to plan for retirement than some vision boarding, of course, but when you\'re struggling, some physical encouragement might be just the thing you need. Envisioning your retirement clearly—what it will look like, how it will feel, and what number will get you there—can connect you to what you want in your future and encourage you to make a plan to get there.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">Of course, a retirement vision board won\'t make the impossible a realistic future for you. You\'ll have to put in hard work, patience, and discipline to make your retirement a reality—but that vision board can help you get there. Read on to learn how to make your very own retirement vision board.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0\">1. Find your finish line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many people rightfully think of retirement as a sort of finish line: It\'s what waits at the end of your work race, so to speak. To start crafting your vision for your retirement, start by imagining that finish line. Are there roadblocks that can slow or derail your path, such as having to care for your parents at some point? Are there any financial secrets hidden in your family that you can plan around, to ensure the path to your finish line is clear? Once you know that you can see that finish line—even if it\'s far, far away—you can start envisioning what your retirement will look like once you reach 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\" id=\"mntl-sc-block_2-0-2\">2. Imagine your dream retirement</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Take some time to describe what your retirement looks like. Put in the effort to make it real—where do you see yourself? What do you feel? Who is with you? You can write, draw, or record yourself talking about this vision. Just make sure it feels real, and it\'s somewhere you can refer back to 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\" id=\"mntl-sc-block_2-0-4\">3. Get specific</h2>\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 for the nitty-gritty: Do you plan to have an immediate retirement, where you stop working cold turkey? Do you want a phased-out retirement, where you work part-time for a few months or years? Some surprise details might come up as you\'re envisioning your dream retirement scene, but make sure to include them in your notes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-6\">4. Talk numbers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-7\">Next, do a little research to find out how much you\'ll need to save in order to live your retirement dream. If you\'ve ever worked with a financial planner, they may have given you a number; you can also do a little number crunching by calculating how much money you think you\'ll need each year to be comfortable, then multiplying that by the number of years you expect to be retired. (Be sure to pad the final number to account for extra time and medical needs.) Write that final number down.</p>\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 retirement is a long way off, determine how much you want saved by a certain age—say, 40 or 50—and use that as your vision board number. You can always adjust as you reach or pass this goal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-8\">5. Get crafty</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-9\">Finally, create your board. You want something that includes your number and some visual depiction of your retirement. This could be a virtual collage, a paper you\'ve drawn on, a page in your journal, or anything else you can look at and feel motivated by. (One genius idea: Create a fake bank statement showing how much money you want saved.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When creating your board, use strong, current language. Make the dream on the board feel true. And then hang your board somewhere you\'ll see it every day—or hang several around your space—to make working toward your vision for retirement something that\'s always on your mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/work-life/money/money-planning/envision-retirement-guide\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Envision Your Retirement (Even If It\'s Years Away)','','publish','closed','closed','','how-to-envision-your-retirement-even-if-its-years-away','','','2023-05-29 20:07:16','2023-05-29 20:07:16','',0,'http://smartinsurance.tips/?p=3198',0,'post','',0),(3199,1,'2023-05-29 20:03:29','2023-05-29 20:03:29','','My-project-1-4','','inherit','closed','closed','','my-project-1-4','','','2023-05-29 20:03:29','2023-05-29 20:03:29','',3198,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-4.png',0,'attachment','image/png',0),(3200,1,'2023-05-29 20:07:16','2023-05-29 20:07:16','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s time to create a retirement vision board.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3199,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-4.png\" alt=\"\" class=\"wp-image-3199\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Any fan of vision boarding knows the power of physically manifesting your goals and dreams. Even someone who\'s never made a vision board can agree that seeing what you want written, drawn, or depicted in some tangible way in front of you makes that want more real—and even accessible. There\'s more to getting motivated to plan for retirement than some vision boarding, of course, but when you\'re struggling, some physical encouragement might be just the thing you need. Envisioning your retirement clearly—what it will look like, how it will feel, and what number will get you there—can connect you to what you want in your future and encourage you to make a plan to get there.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">Of course, a retirement vision board won\'t make the impossible a realistic future for you. You\'ll have to put in hard work, patience, and discipline to make your retirement a reality—but that vision board can help you get there. Read on to learn how to make your very own retirement vision board.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0\">1. Find your finish line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many people rightfully think of retirement as a sort of finish line: It\'s what waits at the end of your work race, so to speak. To start crafting your vision for your retirement, start by imagining that finish line. Are there roadblocks that can slow or derail your path, such as having to care for your parents at some point? Are there any financial secrets hidden in your family that you can plan around, to ensure the path to your finish line is clear? Once you know that you can see that finish line—even if it\'s far, far away—you can start envisioning what your retirement will look like once you reach 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\" id=\"mntl-sc-block_2-0-2\">2. Imagine your dream retirement</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Take some time to describe what your retirement looks like. Put in the effort to make it real—where do you see yourself? What do you feel? Who is with you? You can write, draw, or record yourself talking about this vision. Just make sure it feels real, and it\'s somewhere you can refer back to 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\" id=\"mntl-sc-block_2-0-4\">3. Get specific</h2>\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 for the nitty-gritty: Do you plan to have an immediate retirement, where you stop working cold turkey? Do you want a phased-out retirement, where you work part-time for a few months or years? Some surprise details might come up as you\'re envisioning your dream retirement scene, but make sure to include them in your notes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-6\">4. Talk numbers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-7\">Next, do a little research to find out how much you\'ll need to save in order to live your retirement dream. If you\'ve ever worked with a financial planner, they may have given you a number; you can also do a little number crunching by calculating how much money you think you\'ll need each year to be comfortable, then multiplying that by the number of years you expect to be retired. (Be sure to pad the final number to account for extra time and medical needs.) Write that final number down.</p>\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 retirement is a long way off, determine how much you want saved by a certain age—say, 40 or 50—and use that as your vision board number. You can always adjust as you reach or pass this goal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-8\">5. Get crafty</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-9\">Finally, create your board. You want something that includes your number and some visual depiction of your retirement. This could be a virtual collage, a paper you\'ve drawn on, a page in your journal, or anything else you can look at and feel motivated by. (One genius idea: Create a fake bank statement showing how much money you want saved.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When creating your board, use strong, current language. Make the dream on the board feel true. And then hang your board somewhere you\'ll see it every day—or hang several around your space—to make working toward your vision for retirement something that\'s always on your mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/work-life/money/money-planning/envision-retirement-guide\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Envision Your Retirement (Even If It\'s Years Away)','','inherit','closed','closed','','3198-revision-v1','','','2023-05-29 20:07:16','2023-05-29 20:07:16','',3198,'http://smartinsurance.tips/?p=3200',0,'revision','',0),(3201,1,'2023-05-30 00:10:54','2023-05-30 00:10:54','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It\'s time to bring down those sky high energy bills.</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\":3202,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-5.png\" alt=\"\" class=\"wp-image-3202\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">If you have an insulation problem in your home, sooner or later, you’re going to notice it. When your home isn’t properly insulated, it can affect your comfort level, health, and even your pocketbook. “Insulation isn’t just a problem of poor energy efficiency—it can create scenarios that affect your air quality as well,” warns mold and air quality expert Michael Rubino, author of <em>The Mold Medic, an Expert’s Guide on Mold Removal</em> and founder of HomeCleanse.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">If you don’t have proper insulation, Rubino explains that added moisture in your home environment can cause mold to grow. “Certain species of mold can grow in as quickly as 24-48 hours if provided with a source of moisture.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-4\">However, moisture is just one sign that your home insulation is poor. Below we discuss a variety of possible indicators. If you\'re experiencing multiple of these signs, it may be time to call an expert.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-8\">Condensation</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\">As Rubino explained, moisture is one sign that you have an insulation problem—and it can occur in a variety of places. “When there’s too little or no insulation, it can create condensation problems in the walls, since the material helps separate the wide ranges of hot and cold temperatures,” he explains. For example, if it’s cold outside, but the heat’s on, making your home\'s interior warm, these temperature differences between the exteriors and interiors can cause condensation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-11\">Condensation can also form as a result of poor insulation techniques around HVAC components, particularly around the register boxes or boot connections, which are boxes that your HVAC grilles sit inside, Rubino says. If the box gets hot or cold when the unit is in use, and the air around the box has a different temperature, condensation can 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\" id=\"mntl-sc-block_1-0-13\">“It’s important to make sure all of these boxes are well insulated to avoid microbial growth from being able to develop in the condensation present.” Rubino notes that the problem typically occurs with boxes located in the attic. “These can begin to develop condensation, allowing mold to grow in the drywall around them, on the vent, et cetera.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\">But, believe it or not, you could also have<em>&nbsp;too</em>&nbsp;much insulation in your attic—and this can be problematic as well. “If the insulation in the attic blocks the vents in the eaves, there will not be enough air coming into the attic to push any hot, humid air out of the space,” Rubino explains. As a result, the attic will generate excessive moisture from the humidity, which can lead to microbial growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">This is a particular concern with spray foam, which is quite popular since it typically has the best R-value per square inch of any type of insulation. Here’s the problem: Spray foam does such a great job of sealing that any water or moisture that gets into the wall will be trapped between the two layers. “If your walls are cement or plywood, the material will remain wet for a long time before the leak is discovered, and this can lead to mold, wood rot, bacteria, and all sorts of things that can impact indoor air quality over time,” Rubino explains.&nbsp; So, if you use spray foam, he recommends conducting routine inspections for any moisture intrusion, since you won’t have the more visible signs inside the home that occur with a leak.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Rubino also recommends installing a dehumidifier in your attic if you have spray foam insulation. “This ensures that the moisture never builds up and is always safely removed; however, there are also things like ERVs [energy recovery ventilators] and HRVs [heat recovery ventilators] that can be effective strategies for exchanging humid air for fresh air as well.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-23\">Air leakage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">Air leakage or drafts are another sign that you may have an insulation problem. “Air leakage has many contributing factors from visible cracks, poor ventilation, gaps, holes in the exterior envelope, [and more],\" explains David Steckel, home expert at Thumbtack.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\">Sometimes, you can actually feel when the air is leaking out. “Drafts [happen] when areas of the same room are at different temperatures,” explains Rob Vierra, home inspector at WIN Home Inspection in Monterey, CA. Sometimes, he explains, the draft is stagnant, which means specific areas of a room may have different temperatures. However, you could also have a “free-flowing” draft, which feels like a breeze. “Insulation is meant to help maintain the home’s temperature, so when the temperature fluctuates with drafts, that is a sign that the home’s insulation is insufficient,” Vierra says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">You can prevent drafts by placing draft guards at the bottom of your interior and exterior doors, he says.&nbsp;“You can also invest in an Infrared (IR) Thermography Scan, which is non-invasive and can easily locate where there is missing insulation in the walls,\" Vierra adds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Cold floors and walls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">In addition to drafts, you may notice certain surfaces around the house have consistent temperature differences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">“A simple way to see if you need additional insulation is to walk around and touch the various wall and floor surfaces—and if they feel colder [in some places] than in other areas, there may be an insulation issue,” says Mike Powell, certified home inspector, and owner of Red Flag Home Inspection. (However, he notes that some types of flooring, like ceramic tile, are naturally cooler to the touch.) “Insulation provides a buffer between the hot and cold environments, and the lack of a buffer in portions of your home may be causing this irregular temperature,” he adds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">Mystery odors</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">Distinct smells can also be a symptom of an insulation problem in your home. For example, according to Rubino, mold growth can create a damp, musty, cigar-like smell. And that’s not the only time you might observe an odd odor related to your insulation. “In rare cases, spray foam insulation may have been improperly mixed, and it can off-gas very heavily, leading to occupant odor complaints and sometimes unpleasant symptoms,” explains Alex Stadtner, president at environmental services and consulting company Healthy Building Science and home maintenance company Home Stewards. Unfortunately, if this happens, he says you’ll need to remove the spray foam insulation and then start all over.</p>\n<!-- /wp: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_1-0-38\">Allergic reactions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\">A weird smell is one thing, but sometimes, you may experience physical symptoms. “In rare cases, insulation may have excessive formaldehyde concentrations and lead to occupant symptoms such as scratchy eyes, sore throats, and, in extreme circumstances, skin rashes,” says Stadtner. If you think you may have this insulation problem, he says you can order a formaldehyde test kit to determine if you have above average indoor levels of formaldehyde—or call a location industrial hygienist (environmental consultant). “Replacing the offending insulation, encapsulating known sources, or adding additional ventilation may be used to reduce levels of formaldehyde indoors,” Stadtner says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-41\">Discoloration or stains on walls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-42\">This sign of insulation is somewhat of a snowball effect, resulting from a moisture issue. A build-up of moisture can lead to stains or discoloration that are visible on your walls and ceilings. “Stains are more commonly found on the northern side of the home, as there is a lack of exposure to the sun there, but it’s important to inspect all walls and ceilings for signs of discoloration,” Vierra says. If you see stains, he recommends contacting a professional to determine the cause. “You may just need additional insulation to be added where the discoloration occurs, but it’s best to have the affected area tested for mold to best protect your health and safety,” he adds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-44\">Higher than average energy bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-45\">Energy bills vary by usage, size, and region. To see if your energy is within a normal range, Powell recommends asking your neighbors about their utility bills, assuming their houses are similar in size. “If you find that their bills are significantly less than yours, the levels of insulation may be the culprit; however, it could also be due to the efficiency and maintenance of your major systems—air-conditioner, electric water heater, etc.,” he says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-47\">Vierra agrees that a higher energy bill could be the first—and often the most common—sign of an insulation problem. “With a home energy audit, a professional can identify specific areas of improvement for your home and share best practices to reduce your energy costs,” he says. “You can also seal your doors and windows with caulk, and have your attic checked for escaping air.</p>\n<!-- /wp: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_1-0-49\">Frozen pipes and ice dams</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-50\">No home owner ever wants to see burst pipes, and it can be indicative of more than just freezing cold temperatures. “Frozen pipes are a sign of insulation problems,” says Steckel. So, you want to be sure that your water pipes are insulated—especially if they’re on or near an exterior wall. Fortunately, insulating your pipes is a quick and easy home improvement project.</p>\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_1-0-52\">“In extremely cold climates, the lack of adequate insulation in the attics, walls, and crawlspace areas may lead to water lines rupturing, and in these areas, ice dams can develop as well.” Ice dams, Steckel explains, manifest as very large icicles or batches of ice on your roof.</p>\n<!-- /wp: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_1-0-54\">Presence of pests</h2>\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_1-0-55\">If there’s anything in your attic with more than two legs, that’s another indication that you might have insulation issues. “Critters love to nest in fiberglass insulation, and if you’re in the attic or crawlspace and see any rat droppings or smell urine—it’s likely critters have infested your insulation,” warns Stadtner. If you have rodents, possums, or raccoons, you probably have insects as well—and all of these pests can negatively impact your health.</p>\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_1-0-57\">In addition, damaged insulation could increase your energy bills.&nbsp;“The only way to effectively sanitize the space is to physically remove the insulation, clean the space, and replace the insulation—and hopefully the critters won’t come back,” Stadtner says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-59\">Noise transfer</h2>\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_1-0-60\">The right amount of insulation, if properly installed, does more than just help your home maintain the desired temperature. “A highly insulated wall, ceiling, or floor tends to muffle sounds transferring,” explains Powell. As such, he says one way to determine if you have an insulation problem is to gauge the noise levels inside. “If you can hear everything from the opposing side, or outside, it may be due to a lack of adequate insulation.”</p>\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_1-0-62\">Echoes, in particular, as well as noises from other rooms could indicate that insulation is missing, or has gaps. “To test for echoes, stand in the center of a room and speak in a moderate tone of voice; if the room sounds hollow or you hear your voice echoing, then this is an indication of missing insulation,” Vierra says.  He recommends having an insulation expert address this issue, but says adding rugs and carpet to the room can also help absorb some of the sound.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/home-insulation-problem-signs-7096897\">click here.</a></p>\n<!-- /wp:paragraph -->','10 Signs Your Home Has an Insulation Problem—and What You Can Do About It','','publish','closed','closed','','10-signs-your-home-has-an-insulation-problem-and-what-you-can-do-about-it','','','2023-05-30 00:10:54','2023-05-30 00:10:54','',0,'http://smartinsurance.tips/?p=3201',0,'post','',0),(3202,1,'2023-05-29 23:13:33','2023-05-29 23:13:33','','My-project-1-5','','inherit','closed','closed','','my-project-1-5','','','2023-05-29 23:13:33','2023-05-29 23:13:33','',3201,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-5.png',0,'attachment','image/png',0),(3203,1,'2023-05-30 00:10:54','2023-05-30 00:10:54','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It\'s time to bring down those sky high energy bills.</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\":3202,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-5.png\" alt=\"\" class=\"wp-image-3202\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">If you have an insulation problem in your home, sooner or later, you’re going to notice it. When your home isn’t properly insulated, it can affect your comfort level, health, and even your pocketbook. “Insulation isn’t just a problem of poor energy efficiency—it can create scenarios that affect your air quality as well,” warns mold and air quality expert Michael Rubino, author of <em>The Mold Medic, an Expert’s Guide on Mold Removal</em> and founder of HomeCleanse.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">If you don’t have proper insulation, Rubino explains that added moisture in your home environment can cause mold to grow. “Certain species of mold can grow in as quickly as 24-48 hours if provided with a source of moisture.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-4\">However, moisture is just one sign that your home insulation is poor. Below we discuss a variety of possible indicators. If you\'re experiencing multiple of these signs, it may be time to call an expert.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-8\">Condensation</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\">As Rubino explained, moisture is one sign that you have an insulation problem—and it can occur in a variety of places. “When there’s too little or no insulation, it can create condensation problems in the walls, since the material helps separate the wide ranges of hot and cold temperatures,” he explains. For example, if it’s cold outside, but the heat’s on, making your home\'s interior warm, these temperature differences between the exteriors and interiors can cause condensation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-11\">Condensation can also form as a result of poor insulation techniques around HVAC components, particularly around the register boxes or boot connections, which are boxes that your HVAC grilles sit inside, Rubino says. If the box gets hot or cold when the unit is in use, and the air around the box has a different temperature, condensation can 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\" id=\"mntl-sc-block_1-0-13\">“It’s important to make sure all of these boxes are well insulated to avoid microbial growth from being able to develop in the condensation present.” Rubino notes that the problem typically occurs with boxes located in the attic. “These can begin to develop condensation, allowing mold to grow in the drywall around them, on the vent, et cetera.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\">But, believe it or not, you could also have<em>&nbsp;too</em>&nbsp;much insulation in your attic—and this can be problematic as well. “If the insulation in the attic blocks the vents in the eaves, there will not be enough air coming into the attic to push any hot, humid air out of the space,” Rubino explains. As a result, the attic will generate excessive moisture from the humidity, which can lead to microbial growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">This is a particular concern with spray foam, which is quite popular since it typically has the best R-value per square inch of any type of insulation. Here’s the problem: Spray foam does such a great job of sealing that any water or moisture that gets into the wall will be trapped between the two layers. “If your walls are cement or plywood, the material will remain wet for a long time before the leak is discovered, and this can lead to mold, wood rot, bacteria, and all sorts of things that can impact indoor air quality over time,” Rubino explains.&nbsp; So, if you use spray foam, he recommends conducting routine inspections for any moisture intrusion, since you won’t have the more visible signs inside the home that occur with a leak.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">Rubino also recommends installing a dehumidifier in your attic if you have spray foam insulation. “This ensures that the moisture never builds up and is always safely removed; however, there are also things like ERVs [energy recovery ventilators] and HRVs [heat recovery ventilators] that can be effective strategies for exchanging humid air for fresh air as well.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-23\">Air leakage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">Air leakage or drafts are another sign that you may have an insulation problem. “Air leakage has many contributing factors from visible cracks, poor ventilation, gaps, holes in the exterior envelope, [and more],\" explains David Steckel, home expert at Thumbtack.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\">Sometimes, you can actually feel when the air is leaking out. “Drafts [happen] when areas of the same room are at different temperatures,” explains Rob Vierra, home inspector at WIN Home Inspection in Monterey, CA. Sometimes, he explains, the draft is stagnant, which means specific areas of a room may have different temperatures. However, you could also have a “free-flowing” draft, which feels like a breeze. “Insulation is meant to help maintain the home’s temperature, so when the temperature fluctuates with drafts, that is a sign that the home’s insulation is insufficient,” Vierra says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">You can prevent drafts by placing draft guards at the bottom of your interior and exterior doors, he says.&nbsp;“You can also invest in an Infrared (IR) Thermography Scan, which is non-invasive and can easily locate where there is missing insulation in the walls,\" Vierra adds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Cold floors and walls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">In addition to drafts, you may notice certain surfaces around the house have consistent temperature differences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">“A simple way to see if you need additional insulation is to walk around and touch the various wall and floor surfaces—and if they feel colder [in some places] than in other areas, there may be an insulation issue,” says Mike Powell, certified home inspector, and owner of Red Flag Home Inspection. (However, he notes that some types of flooring, like ceramic tile, are naturally cooler to the touch.) “Insulation provides a buffer between the hot and cold environments, and the lack of a buffer in portions of your home may be causing this irregular temperature,” he adds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">Mystery odors</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">Distinct smells can also be a symptom of an insulation problem in your home. For example, according to Rubino, mold growth can create a damp, musty, cigar-like smell. And that’s not the only time you might observe an odd odor related to your insulation. “In rare cases, spray foam insulation may have been improperly mixed, and it can off-gas very heavily, leading to occupant odor complaints and sometimes unpleasant symptoms,” explains Alex Stadtner, president at environmental services and consulting company Healthy Building Science and home maintenance company Home Stewards. Unfortunately, if this happens, he says you’ll need to remove the spray foam insulation and then start all over.</p>\n<!-- /wp: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_1-0-38\">Allergic reactions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\">A weird smell is one thing, but sometimes, you may experience physical symptoms. “In rare cases, insulation may have excessive formaldehyde concentrations and lead to occupant symptoms such as scratchy eyes, sore throats, and, in extreme circumstances, skin rashes,” says Stadtner. If you think you may have this insulation problem, he says you can order a formaldehyde test kit to determine if you have above average indoor levels of formaldehyde—or call a location industrial hygienist (environmental consultant). “Replacing the offending insulation, encapsulating known sources, or adding additional ventilation may be used to reduce levels of formaldehyde indoors,” Stadtner says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-41\">Discoloration or stains on walls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-42\">This sign of insulation is somewhat of a snowball effect, resulting from a moisture issue. A build-up of moisture can lead to stains or discoloration that are visible on your walls and ceilings. “Stains are more commonly found on the northern side of the home, as there is a lack of exposure to the sun there, but it’s important to inspect all walls and ceilings for signs of discoloration,” Vierra says. If you see stains, he recommends contacting a professional to determine the cause. “You may just need additional insulation to be added where the discoloration occurs, but it’s best to have the affected area tested for mold to best protect your health and safety,” he adds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-44\">Higher than average energy bills</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-45\">Energy bills vary by usage, size, and region. To see if your energy is within a normal range, Powell recommends asking your neighbors about their utility bills, assuming their houses are similar in size. “If you find that their bills are significantly less than yours, the levels of insulation may be the culprit; however, it could also be due to the efficiency and maintenance of your major systems—air-conditioner, electric water heater, etc.,” he says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-47\">Vierra agrees that a higher energy bill could be the first—and often the most common—sign of an insulation problem. “With a home energy audit, a professional can identify specific areas of improvement for your home and share best practices to reduce your energy costs,” he says. “You can also seal your doors and windows with caulk, and have your attic checked for escaping air.</p>\n<!-- /wp: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_1-0-49\">Frozen pipes and ice dams</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-50\">No home owner ever wants to see burst pipes, and it can be indicative of more than just freezing cold temperatures. “Frozen pipes are a sign of insulation problems,” says Steckel. So, you want to be sure that your water pipes are insulated—especially if they’re on or near an exterior wall. Fortunately, insulating your pipes is a quick and easy home improvement project.</p>\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_1-0-52\">“In extremely cold climates, the lack of adequate insulation in the attics, walls, and crawlspace areas may lead to water lines rupturing, and in these areas, ice dams can develop as well.” Ice dams, Steckel explains, manifest as very large icicles or batches of ice on your roof.</p>\n<!-- /wp: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_1-0-54\">Presence of pests</h2>\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_1-0-55\">If there’s anything in your attic with more than two legs, that’s another indication that you might have insulation issues. “Critters love to nest in fiberglass insulation, and if you’re in the attic or crawlspace and see any rat droppings or smell urine—it’s likely critters have infested your insulation,” warns Stadtner. If you have rodents, possums, or raccoons, you probably have insects as well—and all of these pests can negatively impact your health.</p>\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_1-0-57\">In addition, damaged insulation could increase your energy bills.&nbsp;“The only way to effectively sanitize the space is to physically remove the insulation, clean the space, and replace the insulation—and hopefully the critters won’t come back,” Stadtner says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-59\">Noise transfer</h2>\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_1-0-60\">The right amount of insulation, if properly installed, does more than just help your home maintain the desired temperature. “A highly insulated wall, ceiling, or floor tends to muffle sounds transferring,” explains Powell. As such, he says one way to determine if you have an insulation problem is to gauge the noise levels inside. “If you can hear everything from the opposing side, or outside, it may be due to a lack of adequate insulation.”</p>\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_1-0-62\">Echoes, in particular, as well as noises from other rooms could indicate that insulation is missing, or has gaps. “To test for echoes, stand in the center of a room and speak in a moderate tone of voice; if the room sounds hollow or you hear your voice echoing, then this is an indication of missing insulation,” Vierra says.  He recommends having an insulation expert address this issue, but says adding rugs and carpet to the room can also help absorb some of the sound.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/home-insulation-problem-signs-7096897\">click here.</a></p>\n<!-- /wp:paragraph -->','10 Signs Your Home Has an Insulation Problem—and What You Can Do About It','','inherit','closed','closed','','3201-revision-v1','','','2023-05-30 00:10:54','2023-05-30 00:10:54','',3201,'http://smartinsurance.tips/?p=3203',0,'revision','',0),(3204,1,'2023-05-30 00:15:35','2023-05-30 00:15:35','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Own a small business or side hustle? Hiring staff can be helpful—in more ways than one.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3205,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-7.png\" alt=\"\" class=\"wp-image-3205\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Solopreneurship, the act of setting up and running a business alone, can only get you so far. Eventually, business owners need to hire more people to suitably grow the company. After all, founders need rest too. In fact, one of the most common mistakes people make when starting a small business is not prioritizing self-care.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">On the other hand, it can be difficult to hire a new team member and stay confident that the (often costly) hiring and training process will eventually pay for itself. The fear of hiring the wrong person or not knowing how much to pay can feel paralyzing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-4\">But rest assured: If there\'s more demand for your business than employees to fulfill it, then there is a financial benefit to hiring a staff member. And if you\'ve already faced the financial risks of starting a business, this might be the logical next step in growing it. Here\'s why you should hire staff to save your business money in the long run—and the best ways to do so.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-6\">Why Hiring Staff Can Make You Money</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">Dan Belcher is the founder and CEO of Mortgage Relief, a real estate-dependent company that operates in Colorado, Ohio, and Oklahoma. He found that hiring new employees gave his business a fresh perspective. \"They bring new ideas to the company, boost morale, especially to overworked workers who want to upskill but are unable to because of the workload,\" Belcher explains. \"New employees can help you expand your business and increase revenue.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\">The timing of onboarding new team members may seem like a moving target. \"Hire too soon, your cash flow can dry up. Hire too late, and unfinished work can pile up,\" Belcher adds. \"When you observe that your employees are increasing their overtime hours despite being efficient, it may be time to bring in new employees. New opportunities will arise when you have more people to help you grow your business.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-11\">Opportunities might come from some unlikely places. Maybe they\'ll show up in the form of staff retention, staving off burnout, and keeping high-performers from looking for other jobs with a lighter workload. Also, outsiders bring new ideas to optimize existing processes and find new cost savings and consistent revenue. Either way, these kinds of changes should begin as soon as possible.</p>\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_1-0-13\">Over the long term, top-notch staff members pay for themselves many times over.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-15\">Tips for Hiring Small Business Employees</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\"><strong>If Onboarding\'s Daunting, Go for a Freelancer</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">Many solopreneurs get intimidated by the notion of hiring a full-time employee. Fair enough. Time for training might be scarce, and space might be limited. Rather than crafting a job description and hunting for a permanent staffer, outsource any low-value or time-consuming tasks that can be discreetly separated to a freelancer. Returning client emails, fulfilling shipping commitments, and creating social media content are things that an experienced freelancer can do 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\" id=\"mntl-sc-block_1-0-19\">Hiring a freelancer saves you money in the long run; after all, it\'s a waste of salary to task the company founder (you) with licking all the stamps or sending out template emails. Contracted workers can be hired at an affordable rate, and they help only when needed. For seasonal work or peak surges, they jump into action. And, when work is slow, there is no obligation to keep them on the payroll.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">Furthermore, freelance writers, content creators, and editors, for example, are subject matter experts in the tasks they perform; they add value by applying industry standards that deliver a high-value output and generate sales. The best part is that they don\'t require the same training or overhead costs as a full-time employee.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\"><strong>Consider Keeping It in the Family</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">Many small businesses are also family-run. Jewelers, crafts, and trades are commonly passed down from generation to generation—because the model works. If children, siblings, or spouses are interested in lending a hand, give it serious consideration before assuming it won\'t work out. It may take some trial and error, but that\'s true for any new hire. Hiring the right employee might be a matter of choosing one of the relatives under your roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\">Janice Wald runs a blog and has tried employing her kids. She realized that something was wrong when her 20-year-old didn\'t want to be hired. \"I genuinely needed her help, but she never started the work,\" Wald says. \"She clearly didn\'t take our conversation or my expression of my need for her help seriously.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">But rather than give up on family altogether, she turned to her older daughter, who has much more experience in the industry. \"I have learned that the more mature the child, the better the experience is going to be,\" Wald continues. \"Also, give them some form of compensation or, as in my case, they won\'t take your need for help seriously.\"</p>\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_1-0-30\">Mike Jesowshek, the CPA behind the Tax Savings Podcast, also says that hiring your kids is one of the best-kept tax-saving secrets. \"If you pay your child through a sole proprietorship or Single Member LLC, and your child is under 18, you do not need to withhold social security, Medicare, etc.,\" Jesowshek explains. \"Your child can claim the standard deduction (up to $12,950 in 2022 and $13,850 in 2023), and then any income above that would be taxed starting in the lowest tax bracket,\" Jesowshek adds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">Bringing relatives into a business is a win-win: You can get a business deduction, and the relative potentially pays no taxes on that income. The IRS offers comprehensive guidance on the tax implications of running a family business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-34\"><strong>Don\'t Be Afraid to Outsource the Hiring</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-35\">Building a steady relationship with a freelancer or contractor on Upwork, Fiverr, Flexjobs, and other job portals can make for a gradual and budget-conscious transition toward scaling a business. Of course, the very idea of screening, interviewing, and testing candidates might give solo- and small-business owners hives. Not only is it time-consuming work, but some fields require diagnostic tools and proof of credentials that can distract an owner from going after big clients or generating much-needed business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-37\">Richard Lubicky, the founder of Real People Search, says that his company found that performing background checks, matching candidate qualifications, and understanding applicants\' long-term goals took a lot of time. \"We used to hire an employee by conducting interviews and checks on our own,\" Lubicky explains. \"However…we switched to hiring agencies to find and hire the right talent for us. The employees hired by staff managing services are more productive and suit our business requirements.\" Hiring an in-house human resources team was cost-prohibitive for his start-up—but outsourcing turned out to be an excellent alternative.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\">If the new role is highly paid or if it has the potential to make or break the business, it is wise to use a professional recruitment service that can ensure that the selected person has the potential to double or triple revenue. Furthermore, such companies may investigate local labor and employment laws that would apply in your city or state. Thus, their research could avoid costly compliance missteps or mistakes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-41\">Paychex and Ziprecruiter, among others, are professional human resource companies that specialize in recruitment for small and medium-sized businesses. They can help craft a job description, recruit across a variety of online platforms, collect candidate documents, run background checks, and conduct salary negotiations.</p>\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\">Request a quote and check rates before assuming your business is too small to afford or merit this red carpet treatment. You might be surprised to find that some services are free or come with a very nominal fee, but the return on investment is much higher than anticipated.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/work-life/money/how-to-hire-staff-save-money\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Hire Staff to Save Money Long Term as a Small Business Owner','','publish','closed','closed','','how-to-hire-staff-to-save-money-long-term-as-a-small-business-owner','','','2023-05-30 00:15:35','2023-05-30 00:15:35','',0,'http://smartinsurance.tips/?p=3204',0,'post','',0),(3205,1,'2023-05-30 00:12:03','2023-05-30 00:12:03','','My-project-1-7','','inherit','closed','closed','','my-project-1-7','','','2023-05-30 00:12:03','2023-05-30 00:12:03','',3204,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-7.png',0,'attachment','image/png',0),(3206,1,'2023-05-30 00:15:35','2023-05-30 00:15:35','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Own a small business or side hustle? Hiring staff can be helpful—in more ways than one.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3205,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-7.png\" alt=\"\" class=\"wp-image-3205\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Solopreneurship, the act of setting up and running a business alone, can only get you so far. Eventually, business owners need to hire more people to suitably grow the company. After all, founders need rest too. In fact, one of the most common mistakes people make when starting a small business is not prioritizing self-care.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">On the other hand, it can be difficult to hire a new team member and stay confident that the (often costly) hiring and training process will eventually pay for itself. The fear of hiring the wrong person or not knowing how much to pay can feel paralyzing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-4\">But rest assured: If there\'s more demand for your business than employees to fulfill it, then there is a financial benefit to hiring a staff member. And if you\'ve already faced the financial risks of starting a business, this might be the logical next step in growing it. Here\'s why you should hire staff to save your business money in the long run—and the best ways to do so.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-6\">Why Hiring Staff Can Make You Money</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">Dan Belcher is the founder and CEO of Mortgage Relief, a real estate-dependent company that operates in Colorado, Ohio, and Oklahoma. He found that hiring new employees gave his business a fresh perspective. \"They bring new ideas to the company, boost morale, especially to overworked workers who want to upskill but are unable to because of the workload,\" Belcher explains. \"New employees can help you expand your business and increase revenue.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\">The timing of onboarding new team members may seem like a moving target. \"Hire too soon, your cash flow can dry up. Hire too late, and unfinished work can pile up,\" Belcher adds. \"When you observe that your employees are increasing their overtime hours despite being efficient, it may be time to bring in new employees. New opportunities will arise when you have more people to help you grow your business.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-11\">Opportunities might come from some unlikely places. Maybe they\'ll show up in the form of staff retention, staving off burnout, and keeping high-performers from looking for other jobs with a lighter workload. Also, outsiders bring new ideas to optimize existing processes and find new cost savings and consistent revenue. Either way, these kinds of changes should begin as soon as possible.</p>\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_1-0-13\">Over the long term, top-notch staff members pay for themselves many times over.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-15\">Tips for Hiring Small Business Employees</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\"><strong>If Onboarding\'s Daunting, Go for a Freelancer</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">Many solopreneurs get intimidated by the notion of hiring a full-time employee. Fair enough. Time for training might be scarce, and space might be limited. Rather than crafting a job description and hunting for a permanent staffer, outsource any low-value or time-consuming tasks that can be discreetly separated to a freelancer. Returning client emails, fulfilling shipping commitments, and creating social media content are things that an experienced freelancer can do 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\" id=\"mntl-sc-block_1-0-19\">Hiring a freelancer saves you money in the long run; after all, it\'s a waste of salary to task the company founder (you) with licking all the stamps or sending out template emails. Contracted workers can be hired at an affordable rate, and they help only when needed. For seasonal work or peak surges, they jump into action. And, when work is slow, there is no obligation to keep them on the payroll.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">Furthermore, freelance writers, content creators, and editors, for example, are subject matter experts in the tasks they perform; they add value by applying industry standards that deliver a high-value output and generate sales. The best part is that they don\'t require the same training or overhead costs as a full-time employee.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\"><strong>Consider Keeping It in the Family</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">Many small businesses are also family-run. Jewelers, crafts, and trades are commonly passed down from generation to generation—because the model works. If children, siblings, or spouses are interested in lending a hand, give it serious consideration before assuming it won\'t work out. It may take some trial and error, but that\'s true for any new hire. Hiring the right employee might be a matter of choosing one of the relatives under your roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-26\">Janice Wald runs a blog and has tried employing her kids. She realized that something was wrong when her 20-year-old didn\'t want to be hired. \"I genuinely needed her help, but she never started the work,\" Wald says. \"She clearly didn\'t take our conversation or my expression of my need for her help seriously.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-28\">But rather than give up on family altogether, she turned to her older daughter, who has much more experience in the industry. \"I have learned that the more mature the child, the better the experience is going to be,\" Wald continues. \"Also, give them some form of compensation or, as in my case, they won\'t take your need for help seriously.\"</p>\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_1-0-30\">Mike Jesowshek, the CPA behind the Tax Savings Podcast, also says that hiring your kids is one of the best-kept tax-saving secrets. \"If you pay your child through a sole proprietorship or Single Member LLC, and your child is under 18, you do not need to withhold social security, Medicare, etc.,\" Jesowshek explains. \"Your child can claim the standard deduction (up to $12,950 in 2022 and $13,850 in 2023), and then any income above that would be taxed starting in the lowest tax bracket,\" Jesowshek adds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">Bringing relatives into a business is a win-win: You can get a business deduction, and the relative potentially pays no taxes on that income. The IRS offers comprehensive guidance on the tax implications of running a family business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-34\"><strong>Don\'t Be Afraid to Outsource the Hiring</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-35\">Building a steady relationship with a freelancer or contractor on Upwork, Fiverr, Flexjobs, and other job portals can make for a gradual and budget-conscious transition toward scaling a business. Of course, the very idea of screening, interviewing, and testing candidates might give solo- and small-business owners hives. Not only is it time-consuming work, but some fields require diagnostic tools and proof of credentials that can distract an owner from going after big clients or generating much-needed business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-37\">Richard Lubicky, the founder of Real People Search, says that his company found that performing background checks, matching candidate qualifications, and understanding applicants\' long-term goals took a lot of time. \"We used to hire an employee by conducting interviews and checks on our own,\" Lubicky explains. \"However…we switched to hiring agencies to find and hire the right talent for us. The employees hired by staff managing services are more productive and suit our business requirements.\" Hiring an in-house human resources team was cost-prohibitive for his start-up—but outsourcing turned out to be an excellent alternative.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-39\">If the new role is highly paid or if it has the potential to make or break the business, it is wise to use a professional recruitment service that can ensure that the selected person has the potential to double or triple revenue. Furthermore, such companies may investigate local labor and employment laws that would apply in your city or state. Thus, their research could avoid costly compliance missteps or mistakes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-41\">Paychex and Ziprecruiter, among others, are professional human resource companies that specialize in recruitment for small and medium-sized businesses. They can help craft a job description, recruit across a variety of online platforms, collect candidate documents, run background checks, and conduct salary negotiations.</p>\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\">Request a quote and check rates before assuming your business is too small to afford or merit this red carpet treatment. You might be surprised to find that some services are free or come with a very nominal fee, but the return on investment is much higher than anticipated.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/work-life/money/how-to-hire-staff-save-money\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Hire Staff to Save Money Long Term as a Small Business Owner','','inherit','closed','closed','','3204-revision-v1','','','2023-05-30 00:15:35','2023-05-30 00:15:35','',3204,'http://smartinsurance.tips/?p=3206',0,'revision','',0),(3207,1,'2023-05-30 00:20:55','2023-05-30 00:20:55','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Take control of your Facebook experience—here\'s how.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3325,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/07/My-project-1-59-1.png\" alt=\"\" class=\"wp-image-3325\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Facebook gives us so much: Ways to connect with old friends, see what former classmates and colleagues are up to,&nbsp;donate to family-backed causes, and keep in touch with faraway family members. You can find endless recipe videos to watch (but never make), and even find yourself a used moped in mint condition.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">But with each new feature rollout comes yet another notification,&nbsp;privacy concern, or straight-up inconvenience—and you don\'t have to grin and bear it. From pesky ad notifications to cringe-worthy memories you\'d prefer to keep in the past, here\'s how to tailor your Facebook experience to be exactly how you want 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\" id=\"mntl-sc-block_1-0-4\">\"On This Day\" Memories</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">Some memories belong in the past. You can control whether you see any On This Day or other Memory posts—and you can even go as far as to list a specific person and date you do not want to be reminded of (which is helpful for exes). In the left-hand sidebar of your profile page—in the same column that lists Friends, Groups, Messenger, and Marketplace—click on Memories (you can also go directly to&nbsp;facebook.com/memories). Choose Notifications in the left menu and select either \"None\" to turn off all notifications, or \"Highlights\" to only get notifications about certain memories, like celebration videos.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">You can also get down to the nitty gritty and decide if there are certain people or certain days you would rather not remember via Facebook notification. To block Memories related to certain people or dates, in the left-hand bar under Notifications, select Hide People (and then select individuals via search and drop-down option) or Hide Dates (and then set your preferred date parameters). You make the rules!</p>\n<!-- /wp: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_1-0-9\">Auto-Play Videos</h2>\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\">While scrolling through your newsfeed, there are some videos you just do not want to see, but that play without warning anyway. To stop random videos from auto-playing in your Facebook News Feed, click the drop-down arrow button in the top right-hand corner, choose Settings and Privacy, then Setting again. Select Videos in the left sidebar (you may have to scroll down a bit), then click on the drop-down menu to the right of \"Auto-Play Videos\" and select \"off.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-12\">Off-Facebook Activity</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\">Facebook launched the Off-Facebook Activity tool, which lets you manage how the company sees and tracks your activity across the internet (yep, it\'s been doing that). According to the Facebook help center: \"Off-Facebook activity is a summary of activity that businesses and organizations share with us about your interactions, such as visiting their apps or websites. They use our Business Tools, like Facebook Login or Facebook Pixel, to share this information with us.\" The good news is you can clear the history of apps and websites you use that have shared your data, and you can disconnect data tracking going forward.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\">Click the drop-down arrow button in the top right-hand corner, choose Settings and Privacy, then Settings again. Click Your Facebook Information in the left column, then Off-Facebook Activity. To clear your history, choose Clear History. To turn off your future Off-Facebook activity for all apps and websites, choose Future Off-Facebook Activity, and click Turn Off.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-17\">Location History</h2>\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\">On the Facebook app, you have the option to turn on Location History to allow Facebook to know your precise whereabouts through the Location Services on your device. But if you\'re not interested in having FB keep tabs and records of your various locations within the app, you can turn off Location History at any time. In the Facebook app, tap the Menu icon (three horizontal lines) in the bottom right corner; tap Settings, Privacy Shortcuts, and Manage your location settings, then switch the toggle icon off.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-20\">Location Sharing (Nearby Friends)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">Nearby Friends is a feature that lets you and your friends share your locations with each other, and turning on Nearby Friends in your app will automatically turn on Location History, too. If you want Facebook to stop sharing your location with friends, head to the bottom-right menu icon, then tap Nearby Friends (or maybe See More if it\'s not at the top). Hit your own name, hit settings, then switch the toggle icon to \"off.\" You can always change these back should you decide you want to start sharing your location 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\" id=\"mntl-sc-block_1-0-23\">Ads You Don\'t Want to See</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">If you\'re either feeling targeted by your Facebook ads or simply don\'t want to be shown content you\'re not interested in, you\'re not alone. The next time an ad you\'d prefer not to see pops up in your Feed or webpage guardrail, click the ellipsis on the right and select \"Hide Ad\" to delete that one advertisement, or \"Hide all ads from [brand]\" to free yourself completely (at least on Facebook).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-26\">Facebook Live Notifications</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">With Facebook Live came more notifications. Whether or not you\'re tagged in a video—and whether or not you plan on tuning in—Facebook lets you know when friends go live. Good news: You can disable Facebook live notifications with a few clicks. Under Settings go to Notifications, scroll down to Video and click to expand the drop-down, and choose \"off.\" You can also control notifications about tags, birthdays, people you may know, the marketplace, and more here.</p>\n<!-- /wp: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_1-0-29\">Read Message Notifications</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-30\">Leaving someone on \"read\" goes against&nbsp;basic social media etiquette. Ideally, you want to be able to open a message before you\'re ready to respond but without leaving the person on \"read.\" You can easily mark individual messages as \"unread,\" giving yourself a bit more time to formulate the perfect response. When you hover over each conversation in FB Messenger, you\'ll see a circle with three dots to the right. Click that and select Mark as Unread.</p>\n<!-- /wp: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_1-0-32\">Group Activity Notifications</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Getting notifications from a Facebook group you joined years ago, but just aren\'t ready to leave yet? Turn those bad boys off. At the top right of the group page, next to the search icon, click on the three-dot icon, hit Manage Notifications, and pick your preferred settings: Receive alerts for \"All posts,\" \"Highlights,\" \"Friends\' posts,\" or \"Off.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">News Feed Display</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">It\'s not them, it\'s you—or, yeah, maybe it actually is them. Either way, you may have some&nbsp;<em>extremely</em>&nbsp;active Facebook friends whose posts are clogging your timeline (and driving you bananas). Don\'t want to go so far as to unfriend them, but need to quiet the noise? We hear you. You have a couple of options.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-38\">You can Unfollow them (different from Unfriending them or Blocking them)—basically, their posts and activity will stop populating your feed, but you\'ll still be able to see their profiles and send messages. Do this by clicking the three dots in the upper right corner of an individual person or page\'s post, and selecting \"Unfollow [person\'s name].\" You can also head to the main top right drop-down menu, select Privacy and Settings, News Feed Preferences, Unfollow, and search for the person in question.</p>\n<!-- /wp: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_1-0-40\">Face Recognition</h2>\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_1-0-41\">The fact that Facebook can scan photos, identify faces, and suggest tags for photos is objectively cool. At first, it was actually pretty helpful—then it just got a little creepy. If you don\'t love the thought of Facebook knowing exactly what you look like—and don\'t need help recognizing your own or your friends\' faces in photos—you can quickly switch off this questionable feature. Go to Settings and Privacy, Settings, then choose Face Recognition in the left-hand menu. Where it asks \"Do you want Facebook to be able to recognize you in photos and videos?\" click Edit and select \"no\" from the drop-down menu.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-43\">Game and App Invitations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-44\">Do you have a Facebook friend from high school that you haven\'t spoken to in years who keeps inviting you to play Candy Crush on Facebook? Not to worry, you can put a stop to that by blocking their app invites. All you have to do is go to \"Settings,\" select \"Blocking,\" and type the name(s) of your friend(s) who is sending unsolicited invites. This also works for events, apps in general, pages, and messages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-46\">Once you\'ve toggled through all the Facebook options, make sure you&nbsp;update your Instagram settings&nbsp;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,&nbsp;<a href=\"https://www.realsimple.com/work-life/technology/control-facebook-settings\">click here.</a></p>\n<!-- /wp:paragraph -->','12 Facebook Settings and Notifications You Can Turn Off Immediately','','publish','closed','closed','','12-facebook-settings-and-notifications-you-can-turn-off-immediately-2','','','2023-07-30 10:34:06','2023-07-30 10:34:06','',0,'http://smartinsurance.tips/?p=3207',0,'post','',0),(3208,1,'2023-05-30 00:16:56','2023-05-30 00:16:56','','My-project-1-8','','inherit','closed','closed','','my-project-1-8','','','2023-05-30 00:16:56','2023-05-30 00:16:56','',3207,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-8.png',0,'attachment','image/png',0),(3209,1,'2023-05-30 00:20:55','2023-05-30 00:20:55','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Take control of your Facebook experience—here\'s how.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3208,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-8.png\" alt=\"\" class=\"wp-image-3208\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Facebook gives us so much: Ways to connect with old friends, see what former classmates and colleagues are up to, donate to family-backed causes, and keep in touch with faraway family members. You can find endless recipe videos to watch (but never make), and even find yourself a used moped in mint condition.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-2\">But with each new feature rollout comes yet another notification, privacy concern, or straight-up inconvenience—and you don\'t have to grin and bear it. From pesky ad notifications to cringe-worthy memories you\'d prefer to keep in the past, here\'s how to tailor your Facebook experience to be exactly how you want 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\" id=\"mntl-sc-block_1-0-4\">\"On This Day\" Memories</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">Some memories belong in the past. You can control whether you see any On This Day or other Memory posts—and you can even go as far as to list a specific person and date you do not want to be reminded of (which is helpful for exes). In the left-hand sidebar of your profile page—in the same column that lists Friends, Groups, Messenger, and Marketplace—click on Memories (you can also go directly to facebook.com/memories). Choose Notifications in the left menu and select either \"None\" to turn off all notifications, or \"Highlights\" to only get notifications about certain memories, like celebration videos.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">You can also get down to the nitty gritty and decide if there are certain people or certain days you would rather not remember via Facebook notification. To block Memories related to certain people or dates, in the left-hand bar under Notifications, select Hide People (and then select individuals via search and drop-down option) or Hide Dates (and then set your preferred date parameters). You make the rules!</p>\n<!-- /wp: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_1-0-9\">Auto-Play Videos</h2>\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\">While scrolling through your newsfeed, there are some videos you just do not want to see, but that play without warning anyway. To stop random videos from auto-playing in your Facebook News Feed, click the drop-down arrow button in the top right-hand corner, choose Settings and Privacy, then Setting again. Select Videos in the left sidebar (you may have to scroll down a bit), then click on the drop-down menu to the right of \"Auto-Play Videos\" and select \"off.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-12\">Off-Facebook Activity</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\">Facebook launched the Off-Facebook Activity tool, which lets you manage how the company sees and tracks your activity across the internet (yep, it\'s been doing that). According to the Facebook help center: \"Off-Facebook activity is a summary of activity that businesses and organizations share with us about your interactions, such as visiting their apps or websites. They use our Business Tools, like Facebook Login or Facebook Pixel, to share this information with us.\" The good news is you can clear the history of apps and websites you use that have shared your data, and you can disconnect data tracking going forward.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\">Click the drop-down arrow button in the top right-hand corner, choose Settings and Privacy, then Settings again. Click Your Facebook Information in the left column, then Off-Facebook Activity. To clear your history, choose Clear History. To turn off your future Off-Facebook activity for all apps and websites, choose Future Off-Facebook Activity, and click Turn Off.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-17\">Location History</h2>\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\">On the Facebook app, you have the option to turn on Location History to allow Facebook to know your precise whereabouts through the Location Services on your device. But if you\'re not interested in having FB keep tabs and records of your various locations within the app, you can turn off Location History at any time. In the Facebook app, tap the Menu icon (three horizontal lines) in the bottom right corner; tap Settings, Privacy Shortcuts, and Manage your location settings, then switch the toggle icon off.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-20\">Location Sharing (Nearby Friends)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">Nearby Friends is a feature that lets you and your friends share your locations with each other, and turning on Nearby Friends in your app will automatically turn on Location History, too. If you want Facebook to stop sharing your location with friends, head to the bottom-right menu icon, then tap Nearby Friends (or maybe See More if it\'s not at the top). Hit your own name, hit settings, then switch the toggle icon to \"off.\" You can always change these back should you decide you want to start sharing your location 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\" id=\"mntl-sc-block_1-0-23\">Ads You Don\'t Want to See</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-24\">If you\'re either feeling targeted by your Facebook ads or simply don\'t want to be shown content you\'re not interested in, you\'re not alone. The next time an ad you\'d prefer not to see pops up in your Feed or webpage guardrail, click the ellipsis on the right and select \"Hide Ad\" to delete that one advertisement, or \"Hide all ads from [brand]\" to free yourself completely (at least on Facebook).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-26\">Facebook Live Notifications</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">With Facebook Live came more notifications. Whether or not you\'re tagged in a video—and whether or not you plan on tuning in—Facebook lets you know when friends go live. Good news: You can disable Facebook live notifications with a few clicks. Under Settings go to Notifications, scroll down to Video and click to expand the drop-down, and choose \"off.\" You can also control notifications about tags, birthdays, people you may know, the marketplace, and more here.</p>\n<!-- /wp: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_1-0-29\">Read Message Notifications</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-30\">Leaving someone on \"read\" goes against basic social media etiquette. Ideally, you want to be able to open a message before you\'re ready to respond but without leaving the person on \"read.\" You can easily mark individual messages as \"unread,\" giving yourself a bit more time to formulate the perfect response. When you hover over each conversation in FB Messenger, you\'ll see a circle with three dots to the right. Click that and select Mark as Unread.</p>\n<!-- /wp: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_1-0-32\">Group Activity Notifications</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Getting notifications from a Facebook group you joined years ago, but just aren\'t ready to leave yet? Turn those bad boys off. At the top right of the group page, next to the search icon, click on the three-dot icon, hit Manage Notifications, and pick your preferred settings: Receive alerts for \"All posts,\" \"Highlights,\" \"Friends\' posts,\" or \"Off.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">News Feed Display</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">It\'s not them, it\'s you—or, yeah, maybe it actually is them. Either way, you may have some&nbsp;<em>extremely</em>&nbsp;active Facebook friends whose posts are clogging your timeline (and driving you bananas). Don\'t want to go so far as to unfriend them, but need to quiet the noise? We hear you. You have a couple of options.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-38\">You can Unfollow them (different from Unfriending them or Blocking them)—basically, their posts and activity will stop populating your feed, but you\'ll still be able to see their profiles and send messages. Do this by clicking the three dots in the upper right corner of an individual person or page\'s post, and selecting \"Unfollow [person\'s name].\" You can also head to the main top right drop-down menu, select Privacy and Settings, News Feed Preferences, Unfollow, and search for the person in question.</p>\n<!-- /wp: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_1-0-40\">Face Recognition</h2>\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_1-0-41\">The fact that Facebook can scan photos, identify faces, and suggest tags for photos is objectively cool. At first, it was actually pretty helpful—then it just got a little creepy. If you don\'t love the thought of Facebook knowing exactly what you look like—and don\'t need help recognizing your own or your friends\' faces in photos—you can quickly switch off this questionable feature. Go to Settings and Privacy, Settings, then choose Face Recognition in the left-hand menu. Where it asks \"Do you want Facebook to be able to recognize you in photos and videos?\" click Edit and select \"no\" from the drop-down menu.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-43\">Game and App Invitations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-44\">Do you have a Facebook friend from high school that you haven\'t spoken to in years who keeps inviting you to play Candy Crush on Facebook? Not to worry, you can put a stop to that by blocking their app invites. All you have to do is go to \"Settings,\" select \"Blocking,\" and type the name(s) of your friend(s) who is sending unsolicited invites. This also works for events, apps in general, pages, and messages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-46\">Once you\'ve toggled through all the Facebook options, make sure you update your Instagram settings 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.realsimple.com/work-life/technology/control-facebook-settings\">click here.</a></p>\n<!-- /wp:paragraph -->','12 Facebook Settings and Notifications You Can Turn Off Immediately','','inherit','closed','closed','','3207-revision-v1','','','2023-05-30 00:20:55','2023-05-30 00:20:55','',3207,'http://smartinsurance.tips/?p=3209',0,'revision','',0),(3210,1,'2023-05-30 00:33:55','2023-05-30 00:33:55','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You don\'t have to have the title to act the part.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":3211,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-full\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-9.png\" alt=\"\" class=\"wp-image-3211\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">We\'ve all been there: The assistant\'s assistant, the coffee-runner, the one that gets delegated the work no one else wants to do. No matter how far away a leadership position feels, it\'s never too early to start developing valuable leadership (even manager-level) skills to adopt early on in your career. That way you feel prepared and confident to step into the next opportunity, rather than the trial-by-fire approach.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-1\">During the early pandemic, I took on a leadership position unexpectedly. When my department finally hired a new director, I requested a promotion to manager because I had proven my leadership skills. And you know what? I got it. You never know when an opening will arise at your current company or your dream place of work. While \"girl boss\" terminology is <em>so</em> 2014, it\'s time to level up for more senior positions. We talked to career experts about how to start your path to leadership roles now.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0\">1. Foster a support network.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-1\">Think of your career path as a team sport. \"The first question you should always ask yourself, should not be, \'How do I solve this problem?\' but, \'Who can help me?\'\" says Tiffany Dufu, author of <em>Drop the Ball: Achieving More by Doing Less</em>. \"Whether that\'s helping you get the promotion or succeeding in a project.\"</p>\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 help manage your imposter syndrome better when you have people in your corner. Dufu likes to call these people her \"crew.\" A group you meet with regularly for emotional support and accountability.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"Imposter syndrome happens when you\'re leveling up,\" Dufu said. \"Fear will tell us you\'re not prepared, or you don\'t belong here. During those times, the most powerful strategy is to have people you can share that with and who can affirm 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\">Dufu\'s Pro Tip: Our family, friends and coworkers have a stake in the game. Have a crew where your decisions don\'t directly impact them. You can get their input without worrying how they feel about it—like the idea of moving for a job.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-2\">2. Never stop meeting new people.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-3\">You may have heard this as an intern: When you go out of your way to educate yourself, your eagerness to learn gets noticed. An easy way to do this is to schedule one-on-one meetings across the company at all levels. Take advantage of the current virtual work environment: Consider Zoom meetings with colleagues in different office locations or accessing an executive who isn\'t typically as visible in the office. Use this time to ask as many questions as possible</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sydney Ramsden, a career enrichment coach, also says, \"Meet with people on your level and make connections over shared experiences. The meetings\' purpose is to give you exposure and for others to see you as someone willing to get their hands dirty.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-4\">3. Be a team player—and have empathy.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-5\">When you eventually become a leader, don\'t assume you should know all of the answers and try to figure it out on your own. Dufu suggests you do the opposite. Enable people on your team by communicating what\'s at stake and inviting them to brainstorm. \"You might not have the budget or staff to get from A to B, so enabling others will inspire trust to follow you,\" Dufu said. Up until you\'re a manager, you\'re a solo contributor, but once you become a leader it\'s all about achieving results through other people.</p>\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 also goes for decision-making. Effective leadership requires you to incorporate what your team, customers, supervisors, and public might feel. In regards to the importance of empathy as a leadership skill, Dufu refers to Maya Angelou\'s infamous quote, \"People will never forget how you made them feel.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Consider this when you\'re just starting too. Gain exposure and build relationships with teammates by offering a helping hand if you see a fire drill. They might not take it, but they see you as someone who jumps in.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-6\">4. Advocate for yourself (it\'s not bragging!)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-7\">Leaders are where they are because they\'ve been recognized for success and have made their colleagues aware of it. \"Self-promotion is OK!\" Ramsden said. \"Be proud of your work. You have every right to express 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\">The most natural place is to have a formal conversation with your manager about your growth, but you\'re not limited to just meetings. Talk about the projects you\'re involved in and the work you\'re excited about. Ramsden suggests volunteering to present the results of a business win to a larger group. While this may sound intimidating, remember you deserve recognition for what you\'ve accomplished.</p>\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 don\'t forget to lift up your teammates. Campaigning for yourself sets you up for upward mobility, but also remember to find ways to celebrate your teammates as much as you highlight your own work. An email shout-out goes a long way and sets you apart.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_2-0-8\">5. Always round up your value.</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_2-0-9\">Now that you\'ve been working hard on these leadership skills, take chances when you have them. You most likely already have the tools and skills to get what you want—whether it\'s a promotion or job change—and you need to believe you\'re ready for 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 already have what you need to qualify, so don\'t bow out early. Dufu said. \"Have an appreciation for your worthiness and your value by rounding up.\" In other words—take the chances given to you whether you have two out of the eight qualifications or eight out of eight.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/work-life/life-strategies/job-career/develop-leadership-skills-at-any-level\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Develop Important Leadership Skills, Even if You\'re Nowhere Near Senior Level','','publish','closed','closed','','how-to-develop-important-leadership-skills-even-if-youre-nowhere-near-senior-level','','','2023-05-30 00:33:55','2023-05-30 00:33:55','',0,'http://smartinsurance.tips/?p=3210',0,'post','',0),(3211,1,'2023-05-30 00:30:07','2023-05-30 00:30:07','','My-project-1-9','','inherit','closed','closed','','my-project-1-9','','','2023-05-30 00:30:07','2023-05-30 00:30:07','',3210,'http://smartinsurance.tips/wp-content/uploads/2023/05/My-project-1-9.png',0,'attachment','image/png',0),