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document.write(" How much life insurance should I get? Answer: If you have a family, many experts agree that a policy 5 to 10 times your annual salary is a wise investment. However, many individuals choose to purchase higher amounts. What are the types of homeowners insurance? Answer: The two categories of homeowners insurance are “Special Insurance” and “Named-peril Insurance”. Special insurance covers losses except those specifically excluded in the policy. Named-peril policies pay only for the causes of loss specified in the policy. Is there a need to carry insurance in vehicles not being driven? Yes, the State of Ohio sends out 280,000 random letters each year, asking owners to provide proof of liability on registered vehicles. You are not necessarily exempt just because the vehicle isn’t being driven or because of mechanical breakdown. Am I covered if I drive someone else’s vehicle? Generally speaking the insurance goes with the car. For example, if you had an accident while driving someone else’s car, the owners insurance would apply first toward damages. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or insufficient coverage to pay the damages. What is a personal umbrella liability policy? The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your personal liability policies- home, auto, boat, RV, etc., so you have a higher personal liability limit than what would otherwise be available. In certain circumstances, an umbrella policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella policy provides coverage anywhere in the world, whereas, your auto policy usually provides coverage in the U.S. and Canada only. \n");
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