Ways to Protect your Car Without a Garage

Extreme weather conditions like heavy winds, rain, hail, and snow can all cause significant damage to your vehicle when it isn’t protected with a garage. However, the following tips will help you offer your car the best protection available when you don’t have access to a garage.

Car Cover

One of the top ways to protect your vehicle without a garage is by getting a car cover or tarp. Car covers can either be custom-made for your specific car make and model or a they can be tarp-style cover that is simply a large piece of plastic to cover your vehicle. Either way, car covers will protect your vehicle from the elements, including rain, snow, and sleet. The paint, glass, and other elements of your vehicle’s exterior gets adequate protection with a car cover and it is relatively inexpensive.

Car Port

Where you park your automobile or truck also makes a big impact on itsprotection. When you’re not at home and have a choice between parking on the street or parking in a carport, choose the carport. This will protect your vehicle from harsh weather and winds that can cause damage. If you need to park outdoors, be sure to avoid parking underneath trees where sap can drip down and destroy your paint job. To avoid theft of your car and its contents, park in a well-lit areas. It’s also possible to purchase a steel carport when you don’t have a garage. These carports allow you to protect your vehicle in the winter months when harsh weather like snow and hail is prevalent.

Security Alarm

You also need to protect your vehicle from potential theft and vandalism. One of the best ways to do this is by installing a security alarm on your vehicle. It will deter thieves when they find out you have an alarm, which is often seen by a blinking red light in your dashboard. If a would-be thief attempts to steal your car, the alarm will sound, causing the perpetrator to abandon his mission to steal your vehicle.

Regular Wash and Wax

Another way of protecting your car’s paint job is by taking good care of your car’s exterior. Getting your car washed and waxed on a regular basis does more than improve its appearance. It also keeps dirt, grime, and foreign materials from sticking to the vehicle. A regular wax job provides a smooth surface where many things slide right off of it.

Steering Wheel Lock

If protecting your vehicle from theft is of high important when you don’t have a garage to park in, having additional security protection like a steering wheel lock is a great option. A steering wheel lock will literally lock your steering wheel in case someone breaks into your car and attempts to steal it. If a thief managed to get your car started, he won’t be able to drive it away because the steering wheel locks.

GPS Tracking Device

Lastly, you should consider installing a GPS tracking device on your vehicle. A GPS tracking device offers the ability to track the location of your car remotely, and in real time. If your other security measures were surpassed by a car thief, you can still track down its whereabouts — and with the help of local law enforcement, get your vehicle back.

Protecting your vehicle with proper car insurance is essential, but you should also take further steps to offering it the best protection available. Not only for protection from the elements, which can destroy and damage the exterior of your vehicle, but also to prevent theft when you don’t have access to a garage.

How Are You Covered Under Minimum Auto Liability Insurance?

Under minimum auto liability insurance, a requirement of all states, individuals have very little protection. Under most state laws, drivers must carry a specific amount of auto liability insurance. This insurance provides protection to other drivers who you may be involved in an accident with. It provides you, as the driver, with protection from the financial hardships of trying to pay for this type of damage on your own. However, there are numerous limitations to know about.

What Is Covered?

The first thing to know about liability insurance for your auto is that it provides coverage for damages you cause or are otherwise responsible for after an incident. It may cover damage to another vehicle or the property of another person. If you run over someone’s mailbox, the repairs to the mailbox are covered. If you are in a car accident with another vehicle, the costs related to the repairs for that vehicle are covered.

What’s Not Covered?

Most of the time, these insurance products do not provide you with a large amount of coverage in terms of your own property. For example, the damage to your vehicle form hitting another car or running over the mailbox are not included. This also means any damage to your health is not included. These you will need to pay for yourself unless you have additional policy protection.

How Much Is Covered

It is also important to realize that under minimum auto liability insurance, the insurance company covers damages up to the amount of coverage you have. If you hit a $50,000 car and ruin it but your policy is only for $30,000, you are personally, financially responsible for that other $20,000 worth of damage. For this reason, it is a good idea to have more than the minimal amount of insurance. You likely need to have more than what your state requires as minimum.

Are you sure the insurance coverage you have is enough? In many cases, it will not be unless you take the time to talk to your agent about your specific needs. Having enough insurance is critical. It is also necessary to have the right provider for your policy needs. Do not overlook the importance of this type of insurance. It keeps you legally able to operate a vehicle, but it also gives you financial protection from many "what if" situations that could occur.

What You Need to Know about Property Damage Coverage

Property damage coverage is a requirement in the United States. All drivers must have at least $5,000 worth of property damage coverage per accident, if not significantly more. This type of coverage provides protection for repair expenses to damage done to another person’s property, but not to your own. Most states actually require significantly more than the federal level of required coverage.

Why You Need More

It is important to know that this type of protection is often necessary at a higher rate beyond these state and federal requirements. It benefits you to have more protection. If the vehicle or other property damaged is at a significantly higher value than the amount of insurance protection you have, you, as the driver, are financially responsible for covering the remaining difference. More so, this could leave you in a poor financial situation if you do not have the funds to cover a large accident.

How to Buy It

To buy property damage coverage, consider what your needs are specifically. The amount of coverage you get depends on your state’s requirements and your desired level of protection. To reduce costs, consider the following:

  • Packages that bundle property damage insurance with liability coverage may save you money compared to buying them separately.
  • Ask your agent for recommendations on how much to purchase based on previous claims for vehicles like your own.
  • Know that this insurance does not cover your vehicle in any way. It covers the other person’s property. This means that having comprehensive coverage, or another form of insurance, is a good idea if you want to protect your investment.

Do take the time to compare your options. The costs of property damage insurance range significantly from one company to the next. However, when comparing policies, make sure to compare the same type of policies to each other. Look at the difference in coverage options, discounts, and deductibles you may need to pay.

Ultimately, you need to have property damage coverage if you are a driver or a vehicle owner. Not doing so could put your financial future on the line and even jeopardize your driving privileges. To avoid this, purchase a policy that provides adequate coverage for potential accidents and damage to property. Whether it is another car or someone’s other property, the costs can rise sharply beyond a basic policy or state-limit policy. Look for the policy right for you instead.

New Home Buyers: How much Homeowners Insurance do I need?

When buying a new home, you may be wondering how much homeowners insurance you will need. There are many variables that go into calculating homeowners insurance and as new home buyers you will probably have lots of questions. The best way to make sure you end up with adequate coverage is to speak with an insurance agent who can answer your questions and find the best policy for your situation.

There are several components to homeowners insurance, but the basic types are dwelling coverage, other structure protection, and personal property insurance. The dwelling coverage will take care of your home. If you are buying a brand new home – you will need to calculate the value the entire structure. This will include hardwood floors, whirlpool tubs, and remote control fireplaces. You need to have enough coverage to replace or rebuild these items in the event of a disaster. The other structure protection will cover your garage, shed or barn. Depending on the items you keep in these areas and the size, you will need to calculate the value of the buildings. Finally, personal property insurance will take care of your clothing, electronics and jewelry if there is a fire or disaster that affects your home.

As new home buyers, you need to make sure you find the homeowners insurance you need for the price you want to pay. Comparing quotes from several providers will help you make the final choice. Speaking with an insurance agent who can answer your questions will also be helpful. Determining how much homeowners insurance you need is based on a lot of different factors and you may even want to speak with a local agent who can give you the best estimate for your area. Buying a home is exciting, don’t let a disaster ruin your day.

What is Accident Forgiveness and is it Worth it?

Many insurance companies are advertising accident forgiveness, but not everyone knows what that means or if it is worth it. Basically, accident forgiveness is part of your auto insurance policy that will allow you to be involved in an accident for any reason, but it will not raise your premium. Of course, to include this as part of your plan, it will also cost a little more and usually you will need a specific length of time where you have not had any accidents before accident forgiveness will go into effect. So, is it worth it? That depends on your past driving history.

If you are a safe driver and you have never had an accident in the last 20 years, you may not need this type of coverage. Some people live in a very safe location without a lot of traffic, or maybe they only drive their vehicle once or twice a week. In this instance, accident forgiveness may not be worth the extra money. Although, if you live in the city where there are frequent accidents, it may make sense to get this type of protection. Sometimes families will also choose to purchase this type of policy when their teenagers begin driving. Just remember, the policy must be in effect without accidents for a certain number of years before the accident forgiveness will go into effect.

Your situation will determine whether you need accident forgiveness insurance. Once you start searching for quotes on car insurance, you can see how much this type of protection will cost and whether it will be worth it to include it on your policy. Just make sure to compare the rates from several companies for the same amount of coverage. You can find a great policy and an affordable payment when you compare quotes online.

Is Hazard Insurance Covered under Homeowners Insurance?

Hazard insurance is part of your home owners insurance policy. This is the portion of your plan that will take care of fire or other hazards in the event of disaster. The other portion of the plan is liability insurance. This will take care of medical expenses if someone is injured while visiting your home. It is important to have both hazard and liability insurance coverage. If your home is destroyed, you want to repair or replace it as quickly as possible.

Although you do not want to think about your home being devastated by a fire, flood or other disaster, if it does happen, your hazard insurance will cover the expense of either repairing the damage or even rebuilding your home. Homeowners insurance may not be required by law, but if you have a mortgage on your home, your lender will probably require this type of protection. Since hazards vary from state to state, you will want to look at the policy and make sure you are covered for all types of disasters that are common for you area. Some areas may require special hazard coverage for flooding or hurricanes. Make sure when you compare quotes, you understand the type of protection you need.

When speaking with an agent, you can ask "Is hazard insurance covered under my homeowners insurance policy?" This will help you determine the type of plan you need and still find a policy you can afford. The best way to make sure you have a great plan is to compare rates. Do not just choose the first quote you find, when you compare both price and coverage, you might be able to get a better deal. Knowing you have top of the line insurance coverage will ensure peace of mind.

Renters Insurance: The Difference Between Actual Cash Value and Replacement Cost Policies

When comparing quotes for renters insurance, you need to know the difference between actual cash value and replacement cost policies. Although the two types of coverage will protect your belongings in the event of fire, theft or a natural disaster, there are distinct differences. Make sure to educate yourself about both types of plans before you choose one or the other. In addition to the cost of the policies, the amount of coverage will also need to be compared.

Actual cash value is the cheaper of the two types of protection. If you decide to purchase this type of insurance, it will pay you what your items are actually worth, or the actual cash value, at the time of the loss. This means, if you have a lot of older possessions, you will not be able to get much money when you make a claim. Probably not even enough to replace half of your items. On the other hand, if you choose replacement cost policies, you will be able to make a claim for what it will actually cost to replace the items you lost. If you own expensive electronics, game systems and high end appliances, this is probably the type of coverage you need.

Compare rates from several companies before choosing the renters insurance policy you need. Many times you can find an affordable replacement cost policy that does not cost much more than an actual cash value plan. If you ever find yourself in a situation where you need to make a claim, you will be glad that you went with more protection. No one wants to think about a disaster or theft affecting their home, but knowing you have great insurance will make the situation easier to handle.

Insurance 101: Home Inventory will Help You Know What You Own

If you are considering updating your home insurance policy, you need to make sure you know how much coverage you need for all of your personal belongings. Often, people forget to update their policy when they buy new things or get rid of old items. Making sure you have the protection you need when a disaster strikes will ensure you can get back on your feet quickly.

Taking a home inventory is the first step to identifying how much insurance coverage you need for your home. One of the easiest ways to do this is to go through each room of your home and write down all of the items that would need to be replaced if there was a flood, fire or other natural disaster. Some people even choose to take pictures or a video with their cell phone. This is a great idea if you want to make sure you can prove that you actually know what you own and the condition of the items before you make a claim. Remember to include collectibles and expensive jewelry when you are making your home inventory. Your home insurance is there to help you when you need it, but sometimes the stress of the situation will make it difficult to remember all of your items.

Before searching online for home insurance quotes, make sure you make a list of your home inventory and store it in a safe location. You may even want to give a copy of the list and pictures or video to a friend or family member. Next, you can calculate the value of your items and decide how much home insurance you need. You want to get life back to normal as quickly as possible after a disaster, so make sure your home protection is ready when you need it.

Is there Homeowners Insurance for a Home that Needs Repair?

There is homeowners insurance that will provide coverage for your home even if it needs repairs. Sometimes, people who purchase homes that are fixer uppers, worry about whether they will be able to find protection while the repairs are being made. Often, once an insurance carrier sees the condition of your home, it may drop your coverage. It may require a little extra effort to find a company to insure your home, but it will be worth the time and energy.

The best way to make sure you have the homeowners insurance you need, to take care of a home that needs repair, is to be upfront with your agent from the beginning. There are companies that specialize in this type of protection and you need to compare quotes from several companies to find one that offers an affordable payment. You will want to make sure the insurance provider understands that you do plan to make the repairs to the home, but it may take some time. During this process, you will still want to make sure you are covered in the event of a natural disaster, fire or theft. Check online for rates that meet your budget needs and make sure your homeowners insurance is protecting you at all times.

A home that needs repair still needs to be covered by homeowners insurance. You never know when a windstorm, fire or other disaster could affect the home you are putting your heart and soul into renovating. Making sure you find an insurance carrier that will cover this type of structure is important. Finding a policy you can also afford is equally important. Comparing quotes online will only take a matter of minutes and you will find the coverage you need with a payment you can afford to pay. Go online and get your homeowners insurance today.

Car Insurance Coverage for Seniors

As people get older, their car insurance needs may change. When considering car insurance for senior citizens, you will need to take into account any health problems they may have, how much they drive their car and where they live. Since the insurance company may have different requirements for seniors, you will need to look at the policies carefully and make sure there is an adequate amount of coverage.

Senior citizens sometimes experience failing eyesight or hearing which could affect their insurance premium. If you know your loved one has a problem seeing or maybe just shouldn’t drive at night, make sure her insurance policy carries enough protection to take care of expenses in the event of an accident. You also need to consider how much the senior drives his car. If he really doesn’t drive often, but usually catches rides with friends and family, he probably will not need as much car insurance. Where the senior citizens live should also be considered. If they live in a nursing home or assisted living that provides transportation to most places, the requirements for car insurance coverage will not be as great. When comparing policies for seniors, think about how much coverage the person actually needs and make sure the policy fits the situation.

Car insurance coverage requirement vary from state to state and from situation to situation. As people get older, they may choose to drive less and in effect need less coverage. Or they could continue to drive, even when they shouldn’t, which would require more protection to take care of expenses if an accident occurred. The best way to make sure you have the coverage you need is to compare quotes with multiple providers and find the protection you need for the price you want to pay.