In insurance circles, an act of God is a natural event that is outside the sphere of influence of human beings. For example, a lightning strike is an act of God because people can't control lighting. While lighting is a clear-cut example of an act of God, there are some cases that are not that explicit. Coverage Homeowner's insurance doesn't differentiate between acts of God per se. Most of the policies don't even identify some risks as such.

Many people don't know whether their auto insurance policies cover pothole damage. Pothole damage may or may not be covered, depending on the following factors. Your Policy The first factor is the type of coverage you have. Three common forms of coverage can help you with your pothole damage. You will probably be out of luck if you don't have any of these forms of coverage. The first one is collision coverage, which covers damages arising out of collisions with other cars or objects (in this case, the pothole is considered another object).

Choosing the right prescription drug plan is essential. Those who are enrolled in Medicare can benefit from having prescription drug coverage added to their existing Medicare coverage through a private insurance provider.  The following are six things that you need to look for when you're comparing various prescription drug plans to ensure that your health care costs will be under control as a Medicare recipient. Coverage for the most common prescription medications out there

It is only natural to want to save money on your car insurance. However, there are some things that you simply should not do, no matter how important it is to you to try to save money. These are some of the mistakes that you will want to avoid. 1. Scale Back Your Insurance Coverage Too Much It is always smart to assess your coverage and to cut down on coverage if you have more than you need.

When you purchase a home with a mortgage, the lender you have will require that you carry a homeowner's insurance policy on the house for an amount that covers the balance of your loan. When you make the last payment on your house, your lender will no longer have control to tell you that you must keep this insurance, which means you have the right to cancel your plan. Is canceling your homeowner's insurance a good idea, though, after paying off your house?

Are you an owner-operator who is just starting out in the trucking industry? If so, you have the potential to make up to $184,803, which is the average salary for this type of job. However, you will need to pay your own expenses. Some of the biggest owner-operator expenses include the purchase price of your truck, fuel, food, and the cost of maintenance and repairs for your truck. One more expense you'll need to cover is commercial truck insurance.

If you own a car, you should own a car insurance policy, as well. The amount you pay for that policy is determined by a variety of things, including your age, credit, and employment. Your rate is even affected by where you live. However, the biggest determining factor in your policy rates is your driving history. If you've had a few too many tickets, or one too many at-fault accidents, you could end up seeing your car insurance premiums go through the roof.

Living in an apartment or a rental property does not mean you do not need insurance. While you may not own the property you live in, you do need to protect all the furnishings and belongings that you have in your home. The best way to do that is with a good renters insurance plan.  Inventory Your Belongings Before you buy renters insurance, it is important that you know the value of your belongings.

Insurance can seem complicated when it comes to situations where water gets into your home. While you may think that the damage is covered by your policy, you may be surprised to find out that it isn't when making a claim. Here are some situations where water can get into your home, and what kind of insurance will cover it. Pipe Burst If the freezing cold temperatures of winter have caused a pipe to burst in your home, it will create a mess where water gets everywhere.

A home insurance policy typically offers three different types of coverages, which are coverage for your home, for your personal property, and for liability issues. If you are not sure if your policy offers enough coverage for your personal belongings, you should talk to an agent about this. Here are several things you should understand about the coverage you have for your personal property. Most Insurance Companies Base It on a Percentage