Sentences with phrase «separate policies»

If your roommate is driving your vehicle on a regular basis (even if you still have two separate policies), they should be listed as a driver on your policy.

If you have employees, you'll need separate policies for these coverages.

How coverages work if you have separate policies: Your coverages would work similarly, but everything is more complicated.

Think of your auto insurance policy as six separate policies.

Part D plans are also offered by private insurers and are separate policies from Medicare Parts A and B. Just like Part C coverage, Part D plans vary widely in what they cover and their costs.

You want separate policies for each spouse.

It is also less expensive than insuring two lives under separate policies.

If you have special insurance needs, talk to your agent about extending limits or adding separate policies.

Gollier and Schlesinger (1995) analyzed the decrease in efficiency that occurs when consumers are forced to buy separate policies with separate deductibles.

You will need separate policies for these.

If you wish to maintain separate policies, you should use the same insurance company so that you can get a discount for having multiple policies with the same company.

Sinas said offering separate policies for health care and auto liability could create competition that could lower prices.

If you live with a significant other and you have separate policies consider combing to save more on car insurance.

Be sure to discuss these risks with your local independent agent, as these require separate policies.

How coverages work if you have separate policies: Your coverages would work similarly, but certain accidents can be more complicated.

How coverages work if you have separate policies: Your coverages work similarly, but everything will get a bit messier.

If you plan to spend a significant amount of time in more than one state, contact your insurance agent to determine whether you need to purchase two separate policies.

But survivorship life insurance policies can sometimes be cheaper than buying two separate policies.

Instead of dealing with separate policies, you can get life coverage for your immediate family — for one rate — under a single policy.

Health insurance — no fault auto insurance will not replace health insurance; they both will exist as separate policies covering different aspects.

Sometimes called second - to - die insurance, survivorship life is often purchased by married couples or other pairs of people with insurable interest in each other, and it's generally more affordable than two separate policies.

You'll need to buy a separate policies to cover earthquake or flood damage.

The best life insurance for married couples will depend on the individual circumstances, so you should talk to a licensed expert about whether separate policies or a joint policy is right for you and your spouse.

Many auto insurance companies will have separate policies for those individuals who live 10, 20 or more miles away from their workplace as this compounds accident risk significantly.

I think people in a position to choose should split the difference and get both, either using a policy with a rider or two separate policies.

There is no specific advantage in putting them on separate policies, since it may lead to a slightly higher premium.

Your insurance expert can discuss both endorsements and separate policies based on the value of the items.

Flexibility to cancel or renew individually: If for some reason, you need to extend or cancel the policy for only one spouse and not the other, then it is much easier to make such change if you have separate policies.

A hybrid policy is usually more cost - effective than buying two separate policies and can help you maximize your assets.

The policy would be more expensive than just insuring one of you, but less than having two separate policies.

But if you are a person who needs to travel often, say business trips every now and then to foreign lands, then buying separate policies for every trip will become a hassle.

However, you still need to shop around to make sure that the combined cost of the policies is lower than what you would pay if you bought two separate policies from different insurance providers.

For spouses, it is recommended to purchase separate policies, since they cost the same, but have some advantages.

Unfortunately, she claims to have for her and their son a life insurance policy for her and her son two separate policies.

By having two separate policies, a family can better manage their budget when less life insurance is required (by canceling an unneeded policy).

Separate policies might not help all that much, however, unless you take an additional step.

Florida law also allows you to stack coverage if you carry separate policies for different vehicles.

Sinkholes are also excluded but separate policies exist to cover those, too.

Premiums are less expensive than for 2 separate policies (Generally not available in the U.S.).

Rather than having two separate policies with different insurance companies, you are able to get the rider and enjoy life insurance with living benefits.

One caution: Separate policies are needed for flood and earthquake coverage.

If you have separate policies, all you will need to do (if you even want to) is change the beneficiary.

If you ever want to cancel your accidental life insurance, it is much easier to do with your guaranteed life insurance and accidental life insurance as separate policies.

However, it depends on your individual business needs and risks, if this package will be enough or requires adding separate policies, such as Professional Liability Insurance, Employee's Health Insurance, Commercial Auto Insurance etc..

Remember that you may have to purchase separate policies to cover wind, hail, and flood damages.

Combining separate policies into one reduces costs, which leads to discounts for you.

Both roommates should just have separate policies if they are not related or married.

This is not an ideal situation to be in if you have children as each one of you should have coverage, and with separate policies you will both have you own coverage that doesn't stop if one of you passes.

Liability claims, which can easily be more expensive than property claims, are the primary reason partners should have separate policies.

Personal property is anything that you own, not including motorized vehicles like cars or motorcycles which must be covered by separate policies.