Your home may be classified or rated incorrectly. You may be paying for endorsements you don't need. Your premium may be based on land which isn't covered. Save 40% with the right policy. The key question in homeowner's insurance is: Are you willing to pay more every year to replace your home exactly as it is at the time of a total loss, even though a total loss is very rare? Most of the things you would think are covered, are NOT: Water damage: Floods, sewer backups, seepage, continuous leaks, and mold. Disasters: ...
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Your home may be classified or rated incorrectly. You may be paying for endorsements you don't need. Your premium may be based on land which isn't covered. Save 40% with the right policy. The key question in homeowner's insurance is: Are you willing to pay more every year to replace your home exactly as it is at the time of a total loss, even though a total loss is very rare? Most of the things you would think are covered, are NOT: Water damage: Floods, sewer backups, seepage, continuous leaks, and mold. Disasters: Earthquakes, hurricanes, ice flows, settling, and cracking. You need to be very clear on buying ONLY what you need. Insurance is no substitute for home maintenance and repair. Insurers only cover the "depreciated" value of your home furnishings. Family heirlooms may not be replaced. Large claims require a specialist to help you obtain a fair-er settlement. Your liability-limit may be too low for accidents that are not your fault. You could lose your home and assets. Careful shopping protects your assets without you overpaying. In the 21st century, you can purchase all your financial needs at a substantial discount, some to 300%. I will show you how to buy value-quality at the right price. Avoid commissions and fees. Build your own wealth; not that of your financial services providers. You may be paying more than you need to pay. You may be paying for things you don't even want. You are probably using companies that are in business to serve their sales people and owners more than to serve you. Pay less for your needs by using a tax-advantaged account to self-insure and self-fund your lifestyle. Build your Reserves; not those of your vendors.
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