Tuesday, July 27

Insurance

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Mobile home owners need homeowners insurance, but it’s not the same type you’d get for a house

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Homeowners insurance offers protection for the dwelling, personal belongings, and personal liability coverage. There are eight types of homeowners insurance based on the dwelling type. Mobile home insurance is known as an HO-7 homeowners policy. Unlike car insurance, homeowners insurance is not required by state law. However, if you have a mortgage, your lender will require homeowners insurance to protect the investment. Additionally, mobile home communities may require owners to have mo...
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Customers aren’t happy with their car insurance and are switching carriers, but the cheapest option isn’t always the best

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Despite over $10 billion in rebates and discounts from car insurance providers, consumers are still dissatified. Consumers are switching providers for the cheapest premium they can find. However, cheap premiums don't guarantee proper coverage or good claims service. See Insider's picks for the best car insurance companies. The ...
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Accidental death & dismemberment insurance is not a replacement for life insurance

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Life insurance is a contract between you and the life insurance company. You pay premiums (monthly or annually) for a payout that your living relatives will receive, known as the death benefit. Should you die, the insurance company pays the death benefit to your chosen beneficiary.Accidental death and dismemberment life insurance (AD&D) pays a cash benefit for accidental death or loss of limbs, hearing, sight, or speech due to an accident only. Death or injury must occur as a direct resu...
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If you purchased appliances for your rental, renters insurance will cover most damage — but not improper maintenance

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Most landlords furnish rental units with household appliances, but if your landlord didn't supply appliances and you had to buy them, renters insurance will cover damage to your appliances. But in order for damage to be covered, it must be the result of named insurance perils, or covered events, such as fire, theft, and vandalism.Does renters insurance cover household appliances?Renters insurance is a type of homeowners insurance that replaces your belongings if damaged or stolen. Howeve...
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What is homeowners insurance and what type of policy do you need?

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Homeowners insurance protects the homeowner, home, and personal belongings. If your home is damaged and unlivable, relocation costs can be reimbursed under loss of use. Damage to your home must be caused by an insurance peril to be covered. See Insider's picks for best homeowners insurance companies. Homeowners insurance protects your dwelling amd personal property, in addition to offering per...
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Homeowners insurance covers fire damage, but if wildfires are common where you live you may need to increase coverage

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Homeowners insurance covers damages to your belongings from fire and smoke. But if you live in an area where wildfires are common, consider increasing your dwelling and personal property coverage. If your home is unlivable due to fire or smoke damage, your insurance policy could help you relocate. See Insider's picks for the best homeowners insurance companies. Wildfire season is here, and wit...
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The best life insurance companies of 2021

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Life insurance protects your loved ones if you die. There are two types of life insurance: permanent life and term life. This article focuses on the best term life insurance companies — as term life insurance is the most affordable option for most people. The best life insurance companies of 2021Business Insider compiled data from 20 different life insurance companies based on customer service, financial stability, and asset size rankings, along with premium prices where available. From ...
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Hazard insurance is the part of homeowners insurance that covers you for’perils’ like fire and theft

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Hazard insurance refers to the part of homeowners insurance that covers damage to your home. If your home is damaged by a covered peril or hazard, your homeowners insurance will reimburse you. The type of hazard or peril coverage you have depends on the type of insurance policy you have: named peril or open peril. See Insider's picks for the best homeowners insurance companies. Homeowners insu...
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Biden’s big jobs plan will actually hurt low-income and minority Americans’ chances of owning a home

The American Jobs Plan would make home ownership less accessible for low-income and minority home buyers. If you can't put 20% down when you buy a house, you have to pay mortgage insurance. Biden's plan would make private mortgage insurance more expensive. Jerry Theodorou is the director of the Finance, Insurance and Trade Policy Program at the R Street Institute. This is an opinion column. The thoughts expressed are those of the authors. See more stories on Insider's business page. Homeownership is a pillar of the American dream. Last year, the pandemic made many Americans realize ...
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Europe’s hottest fintech startups raised $17 billion in 2021. See 14 of the pitch decks they used to land millions from VCs

Fintech and insurance startups in Europe have raised $17 billion in a record year for investment. Insider has reported extensively on both sectors as investor appetite soared. These pitch decks reveal how 14 different startups pitched their visions and products to investors. See more stories on Insider's business page. Financial services and insurance startups are the crown jewels of European tech right now.A host of regulatory and market changes have meant that the sector in Europe has grown rapidly in recent years, bringing in higher round sizes, valuations, and bigger investors than ever. 2021 has already been a record year for ...