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To keep yourself and your assets protected, dont think of insurance as a luxury. Insurance may seem like wasted money when you dont need it, but when youre in a crisis situation youll be happy to have it. Dont skimp on your coverage, and get all the insurance you think you may need. You should try to quit smoking before you apply for any type of health or life insurance. Insurance companies charge heftier premiums to those that smoke. Being a non-smoker can save you a ton of money. If you have a hard time quitting, many health companies will lower your premiums after you successfully complete a smoking cessation program. When you are filing a claim with an insurance company, ask for your claim number at the end of the original conversation with your agent. Write down and keep this number for reference. Any time you call for an update on your claim, youll need this number, so its better to have it on hand. The most important thing to consider when applying for new insurance is to shop around! Online brokerages will have great savings as they take the money theyre not spending on overhead and turn it into discounts for you. An independent broker can compare companies for you and get you a great deal, too. If you are one of the millions of people who rent rather than own a home, investing in renters insurance is a smart way to ensure that your personal possessions are covered in the event of fire, theft or other hazards, as well as to protect yourself from injury or property damage claims. Most renters insurance covers the cash value of your possessions, taking depreciation into account, so make sure to upgrade to replacement cost if you want to be able to repurchase your items with no out-of-pocket expenses. Your policy should also include a personal liability clause to protect you from lawsuits if someone is injured in your home or the property is damaged because of your negligence. Talk with an insurance agent to find out all the specifics of a policy before making a choice. Regardless of the type of insurance that you are looking to purchase, going to an insurance broker is a great idea. For every kind of insurance, there are many vendors and firms, and they all have several products to choose from. An insurance broker will be able to analyze your specific needs and provide you with a list of recommendations. Most brokers also have access to special discounts that may not be available to you, directly. Its important that anyone is knowledgeable about insurance basics. The better you understand how insurance works, the less likely you are to have a problematic insurance situation. We hope this article has helped clarify some key points about insurance for you! Beats by Dre Studio NFL Patriot High Definition On-Ear Headphones, beats tour
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