| On-line Life Insurance Quotes: |
 | Do you need life insurance for your divorce? Get your term life insurance rate quote today! That's right! Find out the lowest rate, and don't pay up to 80% more than you should! Use your computer to compare hundreds of companies through BudgetLife! Click Here for an On-line Insurance Quote |
Insurance & Divorce: Parenting: Protecting Your Home and Family:
Most of what you love in life is right there under your roof -- your family and your
belongings. Insurance is an easy and affordable way protect you financially from
unexpected misfortune. Consider the following:
Homeowner's or renter's insurance, which protects the value of your belongings
against physical damage and theft, and
Things you should know about Homeowner's Insurance
Umbrella Liability insurance, which covers you against lawsuits that may not be
covered by your homeowner's, renter's or auto policy.
You may not have enough coverage
A homeowner's/renter's policy provides two basic types of insurance - property coverage
and liability coverage. As your children grow older, they may acquire possessions whose
full value isn't covered in a standard policy -- like a valuable stamp collection, for
example. You should double-check your policy for special limits or exclusions on specific
items and consider buying additional coverage in policy riders if necessary.
You should also consider increasing your liability coverage. You could be sued for
extensive damages if an accident happened to someone else because of your minor
child's negligence, inside your house or elsewhere.
Your policy may provide some coverage to in-home care givers
Some homeowner's policies provide workers compensation benefits for in-home caregivers
who may be injured while working for you. Most policies do not provide this coverage,
however, so you may want to consider buying it separately.
Things you should know about Umbrella Liability Insurance
Your children...your liability
Children bring greater joy into your life .. and greater liability. You are liable for your minor
children's actions, and it is important to be prepared by having adequate insurance. If
you're successfully sued on the grounds that your child's negligence caused harm to
someone else, your personal assets could be seized to cover any damages that exceed
your liability policy limit. You can easily expand the liability coverage you already have in
your home and auto insurance policies by purchasing a personal umbrella liability policy.
An umbrella policy may also provide liability coverage for claims not usually covered in
auto and homeowners policies, such as libel, slander, defamation of character, invasion of
privacy, etc.
You need to understand your current liability coverage
The first step is to determine if you are adequately covered, by finding out how much
liability coverage you currently have under your homeowner's/renter's and auto policies.
Many insurers require you to carry minimum levels of liability coverage in your existing
policies, before they will sell you an umbrella policy. Once you understand your current
situation, you can better anticipate your future needs.
| On-line Life Insurance Quotes: |
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| Divorce Tip: #70 Divorce will be on your mind throughout the entire process. Keep a small note book with you, so you can write down thoughts or questions for your attorney. Sponsored by: Grandparents' Rights |
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