Homeowners insurance is there to protect you in the event of a disaster, not to cover normal wear and tear. A home warranty, on the other hand, covers the mechanical breakdown of appliances and systems in the home, like the refrigerator, the washing machine, and the electricity and plumbing that make them run. If that sounds like something you want, check out our review of the best home warranty.

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Whether you own a home already or you’re house-hunting, it’s wise to know average home insurance rates for your state so you can anticipate what your expense is when shopping your policy and creating a family budget. Knowing what you can expect to pay also helps you save money when comparing rates because you can more easily flag rates that are above the average home insurance cost for your area.

Insurance Rider


If you are in the market for insurance, you may have heard the terms ‘broker’ and ‘agent’ tossed around. While both are professionals in the insurance industry, these two job titles have some distinct differences. Both insurance brokers and insurance agents act as intermediaries between insurance buyers and insurers. They both must also have the appropriate licenses to distribute the insurance they are selling, while also adhering to any laws or regulations enforced by local insurance departments. The primary difference between an insurance broker and an insurance agent is who each represents. While a broker represents the insurance buyer, an agent represents one or more insurance companies.

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A more detailed method is to add up the monthly expenses your family will incur after your death. Remember to include the one-time expenses at death and the ongoing expenses, such as a mortgage or school bills. Take the ongoing expenses and divide by .07. That indicates you'll want a lump sum of money earning approximately 7% each year to pay those ongoing expenses. Add to that amount any money you'll need to cover one-time expenses, and you'll have a rough estimate of the amount of life insurance you need.
Allstate has the second-largest number of additional endorsement options of all our contenders. Those additional endorsements are fairly low-risk: insurance for expensive sports equipment, musical instruments, or landscaping. Notably absent is additional coverage options for earthquakes and theft of other property (vehicles, trailer, watercraft), but the endorsements it does offer can be valuable if you have expensive hobbies or are putting a lot of money into renovating your home’s curb appeal.

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Life insurance is designed to provide families with financial security in the event of the death of a spouse or parent. Life insurance protection can help pay off mortgages, help provide a college education, help to fund retirement, help provide charitable bequests, and, of course, help in estate planning. In short, if others depend on your income for support, you should strongly consider life insurance.
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You can add optional coverage to your homeowners insurance policy, but you can also purchase separate insurance policies that offer more protection. Flood protection is not included in most home insurance policies, so to help protect your home against floods, you'll likely need to purchase flood insurance. You can also get liability protection beyond your current home and auto policy limits with personal umbrella insurance.
The broker is supposed to represent his clients' best interests. Part of the broker's duty is to understand the situation, needs and requirements of the clients to find them the best insurance policy within their budget. Choosing the right insurance plan is quite complicated, and studies show that many people end up choosing a less than optimal plan when they solely rely on their own judgment.

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Because brokers work with a variety of insurance companies, they tend to have a broader understanding of companies’ offerings and key benefits. They are commission-based, which is a double-edged sword: they may be more motivated to earn your business year after year by getting you the best deal possible; or they may try to sell you a policy with unnecessary bells and whistles since that would pay them a higher commission. Regarding the double-edged sword: the best way to nail down the best deal possible is the annual review and re-shopping of coverage. The best way to avoid unnecessary “bells and whistles” is to remember that your needs guide what you purchase. If you don’t need “bells and whistles”, don’t purchase them. Approaching insurance this way is always the best way forward. Consider this: having options placed in front of you and explained in detail allows you the opportunity to hear about the newest “bells and whistles,” some of which may be just what you need or were looking for, but simply never asked about. Policies change, and new options are added by carriers all the time.
Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC). Member FINRA/SIPC. AIC and The Business Benefits Group / IFG are not affiliated. Additional products and services may be available through The Business Benefits Group / IFG that are not offered through AIC. Securities products are limited to residents of Virginia. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from The Business Benefits Group / IFG will contact you to provide requested information. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Your best possible price equals a competitive initial quote, plus lots of opportunities to save. The most significant discounts, like those for owning a fire extinguisher or being claim-free, are offered by most providers. However, there are a few exceptional discounts that make certain providers a better fit for certain homeowners. For example: Allstate’s “new purchase” discount gives a small break to owners who are moving into their home for the first time. We tallied and compared the discounts offered by each provider to help us make personalized recommendations for different homeowners.


We got our insurance through a broker and it's been kind of an annoyance. When they were taken over by another company after having the policy for decades we got a non renewal notice which was fine because we were not interested in doing business through them anyway until we found out that non renewal meant no other insurance wanted us and we were forced to buy a new policy through the broker.
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I read the comments about the topic of my article and I see that some responses touch on the "middleman" in ways that suggest some things about those who reside "in the middle." One plus for us "middle" people is that we get to hear things from carriers that those on the retail buying end may not ever hear. Sometimes, when dealing with us "middle" people, you get a behind the scenes look at things that may have a bearing on your coverage. With life insurance through a broker vs an agent, you get to know that impaired risk underwriting (for unhealthy applicants) has a particular kind of nuance. For instance, carriers may decline your application because they take on a set number of impaired risk clients, and then they decline those coming after that. You might think, after being declined, that what they are telling you is "you are done, no life insurance for you." But, what I know from experience is that another carrier or two have not hit the limit yet on declines - and that might be the avenue of approach to get you approved. As a broker, I know things that apply across a broad spectrum of carriers, not just the playbook of one carrier. As a result, the market intelligence of this "middleman" can improve the experience of buyers by finding a way forward for them that is outside the boundary of what a retail buyer might ever know. One thing that I did not mention in the article is that I have been both a captive and a broker, and the experience allows me to see the pluses and minuses in both. Thank you for your responses, and if you have a question about insurance of any type (my specialties are life, Health, Disability, and Annuities) you may post it at MoneyTips.com and let the professional community respond to it. It's free, harmless, informative, relatively instant, and a bunch of other good things, too.

You will find independent insurance agents represent many of the same insurance companies offered by local insurance agents.  The biggest benefit is the time savings individuals and business will find.  Because the selection of insurance companies for personal, commercial and life insurance is so comprehensive you don't have to contact several agents for quotes.  An independent insurance agent may represent 5 to 10 insurance companies. 
Of the biggest auto insurers in the U.S. - State Farm, GEICO, Allstate, Progressive and Farmers - State Farm ranks as the greatest overall. State Farm was rated 4/5 stars by customers and policyholders in a JD Power survey on companies shopping experience. State Farm is best known for its large agent network; they boast over 18,000 across the nation. It shouldn't be surprising then that State Farm gets 5/5 stars for how its agents interact with customers. As well, State Farm is great when it comes to offering discounts. If you go with State Farm you will have up to 15 discounts to be eligible for which can equal hundreds of dollars worth of savings.
You have likely come across brokerage firms when shopping for insurance. Many buyers prefer working with these firms as most have established track records with staff that offer the experiences and resources you need to make an informed decision. With a brokerage firm available to guide you and answer all of your questions, you can gain a solid understanding of what terms and rates are being offered by various insurers. Of course, not all insurance brokers offer the same level of quality. Just like shopping for insurance, it is important to shop around to find an insurance broker who you can trust.
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Well, actually, that was a fairly slanted article from someone who is advocating in his best interest from his point of view. Most Brokers are highly ethical and Brokers (not agents) DO have a fiduciary responsibility to their clients. Most CFO’s also do not allow their Brokers to “last minute” them nor have an uncontrolled process. One of the biggest problems is not the Broker or Agent, but divisional reluctance to co-ordinate safety and loss prevention efforts WITH the CFO so that the CFO has a basis to negotiate with first of all, and for the organization to take a portion of it’s risk and self-insure where financially appropriate. For example, the adoption of telematics in fleets has moved very slowly and their is no good reason for proactive management to have allowed that to happen. That takes proactive risk management and coordination which is why many CFO’s have a risk manager position in their department.
The Hartford is the only home insurance provider officially endorsed by the American Association of Retired Persons (AARP). If you’re an AARP member, you’ll qualify for more benefits thanks to its AARP Home and Auto Insurance Program. But even if you aren’t retired yet, you will be someday, and The Hartford has a special discount for retirees and individuals who work less than 24 hours per week.

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Base commission is the “normal” commission earned on insurance policies. Base commission is expressed in terms of a percentage of premium and varies by type of coverage. For instance, an agent might earn say, a 10 percent commission on workers compensation policies and 15 percent on general liability policies. Suppose that you purchase a liability policy from the Elite Insurance Company through the Jones Agency, an independent agent. Jones earns a 15 percent commission on general liability policies.
Allstate has the second-largest number of additional endorsement options of all our contenders. Those additional endorsements are fairly low-risk: insurance for expensive sports equipment, musical instruments, or landscaping. Notably absent is additional coverage options for earthquakes and theft of other property (vehicles, trailer, watercraft), but the endorsements it does offer can be valuable if you have expensive hobbies or are putting a lot of money into renovating your home’s curb appeal.

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Shopping for car insurance? You've come to the right place! State Farm keeps you and your family covered with great auto insurance that's also a great value. Get an online auto insurance quote, or find a car insurance agent or representative, any time, day or night. Either way, you'll learn how competitively priced auto insurance from the industry leader can be.
Looking to buy life insurance for the first time? If so, you're probably asking yourself questions, such as "How much do I need?," "What kind of policy is best?," and "Which company should I buy from?" There's no question that buying life insurance for the first time, like any other new experience, can be more than a bit daunting. Below are six important tips that we hope will make the process smoother by eliminating frustrating false starts and unnecessary bumps in the road.
Amica is the only company to earn all five power circles from J.D. Power in each of the six survey categories: overall satisfaction, policy offerings, pricing, billing and payment, interaction, and claims. Amica is also the only company to receive such a high rating in price, which means you have the highest chance of being satisfied with the cost of your coverage plan. In addition, Amica received top marks in customer satisfaction from Consumer Reports, with an impressive Reader Score of 94/100.

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