Sentences with phrase «coverage than owner»

Decreasing coverage policies are useful as mortgage insurance, education expense insurance, retirement savings insurance, and to accommodate the decreasing amount of coverage needed to provide for a child as they get older and closer to providing for their own needs.The purpose of modified coverage is to provide both the needed protection and to ensure future insurability for the insured person without paying for more coverage than the owner has to.

Renters with tenant insurance pay a lot less for coverage than owner's with home insurance because there is less to cover.

Not exact matches

Small business owners who employ fewer than 50 worker are largely exempted from being required to provide coverage to their workers.

This warranty provides full coverage of almost every non-maintenance related problem (more than 500 parts), and also comes with 24 - hour roadside assistance including travel expense reimbursement in the event that a CPO Lincoln leaves its owner stranded more than 100 miles from home.

Explaining this to potential new Chevrolet / Corvette owners that somehow reducing warranty coverage is a good thing reminds us more of the old GM than the new GM.

If a condo owner needs more coverage than that, they generally would have to purchase an umbrella policy to supplement the liability limit of their condo insurance.

This means individual unit owners need to buy and pay for more coverage than before.

For instance, if you own a home in Miami, you may want different insurance coverage limits than those set by the owner of the exact same home in Boston.

The percentage of vehicle owners in Texas without required coverage is higher than the national average.

However, if you need more than $ 10,000 worth of coverage, you should look into an in - home business policy or a business owner's policy (BOP).

The owner of a vacation condo rental unit near DFW International Airport will have different coverage needs than an urban resident owner or UT Dallas college student who rents a place to live during the school year.

If you are looking to deposit more than $ 250,000 in a non-joint account — FDIC insurance can protect joint accounts to a higher level since there are multiple account owners — it's wise to use multiple FDIC - insured institutions to ensure maximum coverage on your funds.

Other than that, they really provide the best coverage and customer service I've experienced so far as a pet owner.

Many pet owners put pet medical care coverage on the backburner rather than research how it may work in their budget.

Small Business Health Care Tax Credit A tax credit is now available if a small business employs fewer than 25 people and the owner pays at least half of the premiums for single health insurance coverage.

Essentially, the Court of Appeal recognized that Reeb would be better off accepting the plaintiff's settlement offer under the $ 1 million limit of his mother's home owner's policy, than continuing to pursue the application to determine if there was any coverage in excess of the limit, under the two additional insurance policies.

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Motorcycle owners are usually more limited in coverage than car owners.

Beginning on June 1, the Bluegrass State begins sending notices to vehicle owners flagged in its database as lacking coverage for more than two months.

An «uninsured motor vehicle,» as described in subdivision (3) of this subsection, includes an «underinsured highway vehicle,» which means a highway vehicle with respect to the ownership, maintenance, or use of which, the sum of the limits of liability under all bodily injury liability bonds and insurance policies applicable at the time of the accident is less than the applicable limits of underinsured motorist coverage for the vehicle involved in the accident and insured under the owner's policy.

For purposes of an underinsured motorist claim asserted by a person injured in an accident where more than one person is injured, a highway vehicle will also be an «underinsured highway vehicle» if the total amount actually paid to that person under all bodily injury liability bonds and insurance policies applicable at the time of the accident is less than the applicable limits of underinsured motorist coverage for the vehicle involved in the accident and insured under the owner's policy.

If a person who is legally entitled to recover damages from the owner or operator of an uninsured motor vehicle is an insured under the uninsured motorist coverage of a policy that insures more than one motor vehicle, that person shall not be permitted to combine the uninsured motorist limit applicable to any one motor vehicle with the uninsured motorist limit applicable to any other motor vehicle to determine the total amount of uninsured motorist coverage available to that person.

The policy offers additional optional coverages for small business owners who also own their own buildings: It pays out if your building is destroyed and it costs more to demolish and rebuild it to code than its previous value; it provides full glass coverage and full sign coverage; it provides additional coverage for damaged landscaping; and it extends coverage limits for newly acquired buildings.

If a person who is legally entitled to recover damages from the owner or operator of an uninsured motor vehicle is an insured under the uninsured motorist coverage of more than one policy, that person may combine the highest applicable uninsured motorist limit available under each policy to determine the total amount of uninsured motorist coverage available to that person.

For the non-owner policy to kick in as secondary coverage, its liability limit has to be higher than the car owner's liability limit.

For instance, if you own a home in Miami, you may want different insurance coverage limits than those set by the owner of the exact same home in Boston.

Contingent liability coverage can protect your trucking company should an owner - operator initiate an action claiming to be an employee, rather than an independent contractor, and demanding workers compensation benefits.

Quotacy was born from the owners of Hallett Financial, and we have been helping affluent consumers find the right coverage at the right price for the more than 25 years.

Mobile and manufactured homes are different than other homes, and Farmers understands that mobile home owners have different coverage requirements too.

Chopper owners will likely opt for different coverage options than will owners of vintage motorcycles.

The percentage of Illinois vehicle owners without required coverage is higher than the national average.

The new basic policy allows vehicle owners to purchase lower amounts of certain coverage's than New Jersey law previously required.

However, insurance experts recommend that all car owners in every state purchase more than the minimum amount of car insurance coverage required by state law.

The percentage of Louisiana vehicle owners without the required coverage is a little higher than the national average.

While this does carry a larger annual cost than the original term coverage (because of adverse selection) it does give the owner the valuable ability to prolong the coverage.

The owner does not need to add coverage at the option date, and they may have the option to add less than the full available amount.

Term policies also sometimes give the owner the option to renew the policy without any underwriting after the term expires, though this is much more expensive on an annual basis than previous premiums during the coverage period in order to account for the adverse selection inherent in the pool of people who choose to renew a policy without underwriting.

While your premiums will be more expensive than a term life policy, some policy owners choose whole life for the peace of mind, knowing that their life insurance coverage will not end.

We found the best auto insurance rates in Kansas City at Auto Owners, American Family, State Farm, Allied, and Farmers.Rates among these five carriers averaged $ 962 for a year's worth of full coverage protection for a Toyota Camry, and were 24 % and $ 306 better than the city average of $ 1,268.

Nevertheless, depending on the insurance company chosen, a driver can save as much as 21 % on car insurance each year, or pay 20 % more than the average Wichita car owner for the same coverage.

However, even if the law doesn't require you to purchase insurance, you might want more coverage than the car's owner has.

Not only are these types of motorcycles more costly to replace, but typically the owner has a loan on the bike and the lien holder requires more extensive coverage than a motorcycle that is paid off.

If you're one of the many homeowners who decide to rent your home rather than wait for it to sell in a slow market or while you build your home equity, you may not realize that making the transition from resident owner to landlord requires different home insurance coverage.

If you need more than $ 10,000 in coverage, you may want business owners insurance, which offers the most comprehensive coverage.

The percentage of Louisiana vehicle owners without required coverage is higher than the national average.

Back in 2007, the National Association of Insurance Commissioners surveyed auto owners across the US and found that Washington drivers paid $ 841 on average for their coverage — nearly $ 50 more than what the average American driver paid.

Property insurance also provides liability coverage in case someone other than the property owner or renter is injured while on the property and decides to sue.

Since motorcycle riding can be risky, many owners will chose to purchase a policy with higher coverage amounts than the required MN policy limits.

If a condo owner needs more coverage than that, they generally would have to purchase an umbrella policy to supplement the liability limit of their condo insurance.

A business owner's policy, for example, generally includes all of the basic coverages except workers» compensation and company automobiles — and for less money than you'd spend on these policies separately.