Tag: health-insurance
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Understanding All Other Perils Deductible and Hurricane Deductible in Florida Homeowners Insurance
Florida homeowners face unique challenges when it comes to insurance, especially due to the state’s vulnerability to hurricanes and tropical storms. To manage these risks, homeowners insurance policies in Florida typically include two types of deductibles: All Other Perils (AOP) Deductible and Hurricane Deductible. Understanding how these deductibles work can help policyholders make informed decisions…
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Why Cost Shouldn’t Be Your Only Concern When Choosing Insurance
When it comes to buying insurance, many policyholders focus primarily on finding the lowest price. While cost is certainly an important factor, it shouldn’t be the deciding factor. Insurance is designed to protect what matters most to you—your home, car, business, or even your loved ones’ financial security. Choosing a policy based solely on cost…
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Unlock Savings with Defensive Driving Discounts
As an Licensed Insurance Agent, I often help my clients find ways to save on their insurance premiums. One of the most effective and lesser-known strategies is taking advantage of a defensive driving discount. What Is a Defensive Driving Discount? A defensive driving discount is a reward offered by many insurance companies to drivers who…
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How Customers Can Help Reduce Insurance Fraud
Insurance fraud is a costly issue that affects everyone – from insurance companies to honest policyholders. In the U.S. alone, insurance fraud costs billions of dollars each year, leading to higher premiums for consumers. As an independent insurance agent, I believe that reducing fraud is a shared responsibility, and customers play a crucial role in…
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How to Save Money on Auto Insurance While on Vacation or Not Driving
As an independent insurance agent, I often get questions from clients about how to lower their auto insurance premiums when their car isn’t in use for an extended period. Whether you’re going on vacation for over 30 days, temporarily relocating, or simply not driving, there are ways to reduce your insurance costs without compromising coverage.…
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Why Uninsured Motorist Coverage is Essential for Every Driver
As an independent insurance agent, I often get asked about the different types of coverage available for auto policies. One coverage that frequently gets overlooked—but can make a huge difference—is Uninsured Motorist (UM) coverage. Whether you’re new to buying auto insurance or just reviewing your current policy, understanding UM coverage could save you from significant…
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Drivewise®: Drive Safe, Save More with Allstate
When it comes to car insurance, safe driving should be rewarded. That’s why Allstate offers Drivewise®, a free program designed to help you become a better driver while saving money on your car insurance. Here’s everything you need to know about how Drivewise works and how it can benefit you. What Is Drivewise? Drivewise is…
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