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Protecting My Home


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Protecting My Home

After I purchased a new home, I realized it was going to be hard to fix things if things really turned south. Sure enough, a few months later I experienced a serious plumbing flood, and it was really frustrating. I didn't know what to do or how to fix the problem. Fortunately, I had signed up for a homeowners insurance policy, and they covered the damage. They went through and removed the water, replaced the soaked drywall, and replaced my belongings. This blog is all about the importance of home insurance, so that you don't skip this essential coverage.

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Single And Planning For Military Deployment: Ways To Save On Your Automobile Insurance

Are you a member of the military who is single and has never been deployed? If so, you may be wondering whether there are ways to save on your automobile insurance if you are ever deployed. As a single person, you may be leery of leaving your vehicle with another individual while you are away, especially if you do not have close associates or family members who are dependable. The following are a few ways you could save and responsibly manage your auto insurance coverage while deployed.

Consider a Policy Change

If you are sure that no one will be driving your vehicle while you are deployed, consider changing your policy where appropriate. For example, you could save money by temporarily discontinuing your collision damage due to your plans for no one to drive the vehicle. Collision insurance only covers collision incidents, and it is unlikely that your vehicle will be involved in a collision if no one has permission to use it. Keep in mind that it is best and most likely a legal requirement to keep full coverage policies on vehicles that are still being financed or have a lien on them.

Keep comprehensive coverage while deployed since this type of coverage will protect you against a variety of other damages, but it is not applicable to collisions. For example, acts of vandalism or acts of nature that result in vehicle damage will likely be covered under comprehensive coverage. It is important to review your policy for any damages that may not be included under comprehensive coverage. You must likely keep liability coverage on your vehicle due to it being a requirement in most jurisdictions even if vehicles are not being used. 

Deductible Change

Before you engage in changing your deductible, ensure that you will have enough savings put aside to pay the deductible in the event that an accident occurs. If so, changing your low deductible to a higher deductible would mean that you have to pay less out of pocket for coverage, and as long as no damages occur, you should be fine. However, if damages were to happen, you would need to pay your portion of the deductible. 

An automobile insurance is a good resource to use to discover more ways to save. They are also the best resource to use for better understanding the pros and cons of having a power of attorney appointed to make decisions related to your vehicle. For example, if you were deployed and your vehicle was significantly damaged by hail or other severe weather, an appointed power of attorney could file a comprehensive coverage claim on your behalf. 

For automobile insurance, contact a company such as McHugh Insurance.