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Insurance: The Basics

Title insurance

Title insurance protects you against loss arising from problems connected to the title (that is, legal ownership) of your property. Learn more about title insurance.

Private mortgage insurance

Private mortgage insurance (PMI) enables borrowers with less cash to have greater access to homeownership, as it protects the lender against loss if the borrower defaults on the loan. Learn about the circumstances that might require PMI.

Facts about pet insurance

Like any other member of your family, your pet is subject to illness or injury, and you're liable for any damage he or she does. Luckily, there are a number of different insurance products that will help protect you and your family from the financial cost of a pet emergency.

Mobile home insurance

It's important to protect your home with insurance and, if your home happens to be on wheels, there are some special considerations. Much like choosing the right mobile home, you want your insurance to fit your needs and lifestyle, but you also want the coverage to fit within your budget. Here are some guidelines for choosing mobile home insurance.

Liability and safety tips for dog owners

Most dogs are friendly, loving members of the family, but even normally docile dogs may bite when they are frightened or when protecting their puppies, owners or food.

According to the Centers for Disease Control and Prevention (CDC), more than 4.5 million people are bitten by dogs annually, resulting in an estimated 800,000 injuries that require medical attention. More than 50 percent of dog bites occur on the dog owner’s property, and they account for one-third of all homeowners insurance liability claims.

What if I am disabled and can't work?

If you are disabled or unable to work as a result of an accident or illness, disability income insurance, which complements health insurance, can replace lost income. There are basically three ways to replace income:

   1. Employer-paid disability insurance
   2. Social Security disability benefits
   3. Individual disability income insurance policies

 

Including your pets in evacuation and disaster planning

To keep your family safe in a potential disaster, it's essential to have an evacuation plan—and that plan should include your pet. Since most public shelters exclude pets, keep your beloved animal safe and unharmed with this advice.

Five Steps to preparing an effective evacuation plan

In the event of a sudden, catastrophic event, you may have just minutes to gather your family and get out of your house—possibly for good. What would you take? Where would you go? Planning ahead for the worst can help minimize the impact of a tragedy and may even save lives. This five-step plan can help get you and your family on the road to safety.

Making sure your home is properly covered for a disaster

For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. To properly insure your home, it is important to ask your insurance professional four key questions.

Steps for developing a small business disaster recovery plan

Businesses that are forced to close down following a disaster run the risk of never being able to open their doors again. While there’s no way to lower the risk of a natural disaster like a hurricane, there are critical measures that can be taken to protect your company’s bottom line from nature’s fury. A disaster plan and adequate insurance are keys to recovery.

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