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Homeowners + Renters Insurance Three reasons to take a home inventory. Creating and updating an inventory of your personal possessions is one of the best ways to make the most of your homeowners or renters insurance, and makes filing a claim easier and more efficient.

Actived: Friday Jan 22, 2021

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III - Insurance Information Institute

Details: Homeowners + Renters Insurance Three reasons to take a home inventory. Creating and updating an inventory of your personal possessions is one of the best ways to make the most of your homeowners or renters insurance, and makes filing a claim easier and more efficient.

› Verified 5 days ago

› Url: https://www.iii.org/ Go Now

› Get more:  Homeowner,  RentersGo Now

Insurance: The Basics | III

Details: The Insurance Industry’s Annual Week of Giving 2020 Each year, the insurance industry comes together for the Insurance Industry Charitable Foundation (IICF) Week of Giving. During this eight-day international and industry-wide initiative, insurance professionals complete volunteer projects in support of community nonprofit organizations.

› Verified 10 days ago

› Url: https://www.iii.org/main-responsive/insurance-basics Go Now

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Insurance: The Basics | III

Details: Auto Insurance. Grab the wheel with confidence. Find definitions, answers and other essential information from how to shop for an auto policy that best fits your needs and budget to the most important steps to take if your vehicle has been involved in an accident.

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Insurance 101 | III

Details: Insurance underwriting got its name from the practice, in 17th century England, of private investors signing their names as guarantors, for a fee, under posted listings of marine voyages and cargoes. They would state the portion of the financial risk assumed.

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Tax filing and insurance | III

Details: Insurance payouts you receive after damage to your home or an accident involving your car are generally not taxable unless you’ve come out way ahead financially. Generally, a payment to reimburse you for repairs or replacement isn’t going to be taxable unless the payment exceeds what you originally paid for the property, an unlikely

› Verified 7 days ago

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What is auto insurance? | III

Details: Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.

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Insuring Your Home Business | III

Details: Insurance is regulated by the states, and every state has a state insurance department. The head of the department is usually called the commissioner or superintendent of insurance. These departments can provide you a lot of information about insurance, and especially the rules that govern it in your state.

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Insuring your home-based business | III

Details: Workers compensation insurance provides wage replacement and medical benefits to employees injured in the course of employment, in exchange for relinquishing the right to sue the employer. In some states, workers compensation insurance is mandatory, so be sure to check your state’s workers compensation website for local requirements.

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› Url: https://www.iii.org/article/insuring-your-home-based-business-0 Go Now

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Five insurance mistakes to avoid (and still save money

Details: 3. Dropping flood insurance. Damage from flooding is not covered under standard homeowners and renters insurance policies. Coverage is available from the National Flood Insurance Program (NFIP), as well as from some private insurance companies. You may not be aware you’re at risk for flooding, but keep in mind that 25 percent of all flood losses occur in low risk areas.

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The Santa Clause: Insurance Tips for St. Nick | III

Details: Santa’s made this trip countless times, but in case there is an accident, aviation insurance would cover damage to the sleigh. And since flying reindeer are quite rare (not to mention the envy of Santa’s neighbors in the North Pole) a mortality policy would provide coverage in the event a reindeer died or was stolen.

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› Url: https://www.iii.org/press-release/the-santa-clause-insurance-tips-for-st-nick-122313 Go Now

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Insurance: The Basics | III

Details: Infographic: Insurance Rating Variables: What They Are and Why They Matter. How to save money on car insurance. See More . Videos. Rental car insurance: Tips on what you need to know at the counter. Tips on saving money on auto insurance. Saving money on auto insurance: Five tips. Understanding rental car insurance.

› Verified 6 days ago

› Url: https://www.iii.org/insurance-basics/auto-insurance/shopping-for-insurance Go Now

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World Insurance Marketplace | III

Details: World insurance premiums rose 2.9 percent in 2019, adjusted for inflation, to $6.3 trillion. Nonlife premiums grew 3.5 percent in 2019, adjusted for inflation, slightly above the rate of growth from 2009 to 2018. Life insurance premiums grew 2.2 percent in 2019, faster than the 1.5 percent rise in 2009 to 2018, adjusted for inflation.

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Facts + Statistics: Industry overview | III

Details: Insurance industry at-a-glance. U.S. insurance industry net premiums written totaled $1.32 trillion in 2019, with premiums recorded by property/casualty (P/C) insurers accounting for 48 percent, and premiums by life/annuity insurers accounting for 52 percent, according to S&P Global Market Intelligence.

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Facts + Statistics: Homeowners and renters insurance | III

Details: The average homeowners insurance premium rose by 1.6 percent in 2017, following a 1.6 percent increase in 2016, according to a November 2019 study by the National Association of Insurance Commissioners, the latest data available. The average renters insurance premium fell 2.7 percent in 2017 after falling 1.6 percent in 2016 and 1.1 percent in

› Verified 6 days ago

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Introduction | III

Details: The insurance industry is a global business. Worldwide, premiums total $4 trillion. In this country, which accounts for about 28 percent of the world’s insurance business, premiums are more than $1 trillion. The U.S. insurance industry employs more than two million workers, about 2.0 percent of the nation’s workforce.

› Verified 9 days ago

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Auto Insurance Basics | III

Details: Auto insurance is a contract between the policyholder and the insurance company. The policyholder agrees to pay the premium and the insurance company agrees to pay losses as defined in the policy. Auto insurance provides property, liability and medical coverage: Property coverage pays for damage to, or theft of, the car. Liability coverage pays for the policyholder’s legal responsibility to

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Wildfires: insurance and recovery resources | III

Details: What insurance covers. Damage caused by fire and smoke is covered under standard homeowners, renters and business owners insurance policies and under the optional comprehensive portion of an auto insurance policy. Water losses, or damage caused by fire fighters while extinguishing a fire, is also covered under these policies.

› Verified 8 days ago

› Url: https://www.iii.org/article/wildfires-insurance-and-recovery-resources Go Now

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Drones and insurance | III

Details: Check rules and insurance frequently. As with many rapidly developing technologies, insurance parameters and legal regulation around drone usage is constantly evolving. If you have any questions, check with your insurance professional or hover on over to the FAA website. Additional resources. FAA - Unmanned Aircraft Systems

› Verified 8 days ago

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Life Insurance Basics | III

Details: Term insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years. Most term policies have no other benefit provisions. There are two basic types of term life insurance policies—level term and decreasing term.

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Background on: Insurance Fraud | III

Details: The topic Insurance fraud is a deliberate deception perpetrated against or by an insurance company or agent for the purpose of financial gain. Fraud may be committed at different points in the transaction by applicants, policyholders, third-party claimants, or professionals who provide services to claimants. Insurance agents and company employees may also commit insurance fraud.

› Verified 6 days ago

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Insurance: The Basics | III

Details: The Insurance Industry’s Annual Week of Giving 2020. Diversity and inclusion in the insurance industry. Building Resilient Businesses and Communities in the Time of COVID-19 Webinar. The Insurance Industry’s Annual Week of Giving 2019. The Insurance Industry’s Annual Week of Giving 2018. See More .

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Triple-I Blog | Triple-I’s 2021 Insurance Fact Book

Details: The 2021 Insurance Fact Book is a digital publication available for purchase from the Triple-I online store. It is available free of charge to Triple-I members . The Insurance Fact Book, issued annually since the Triple-I’s inception in 1960, helps inform the decisions of policymakers and business leaders and is an essential resource for

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Infographic: Types of auto coverage | III

Details: Some types of auto insurance coverage are required, others are optional, but you’ll want to understand them all because they provide protection against several types of risk.

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Participants, Including Distributors | III

Details: Insurance Companies: Insurance companies can be categorized in many ways. One is by the size of their policyholder surplus or capital. The larger the policyholder surplus the more risk they can assume. The smallest companies have less than $1 million in surplus and the largest more than $2 billion.

› Verified 9 days ago

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Future Shock: 2020 and Beyond; Insurance Industry Trends

Details: This PowerPoint report explores the trends, challenges and opportunities in the global insurance and reinsurance industries for 2020 and beyond. The presentation begins with defining the five major categories for external global risks and discusses their corresponding insurance solutions, and states that insurance is able to manage most.

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› Url: https://www.iii.org/presentation/future-shock-2020-and-beyond-insurance-industry-trends-challenges-and-opportunities-050916 Go Now

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Motorcycle Insurance | III

Details: Motorcycle insurance policies vary so, as always, shop around for an insurer and insurance professional with whom you feel comfortable. Tips for the cost-conscious rider. As with auto insurance, maintaining a good driving record with no violations will help keep your premium costs down. In addition, some insurers offer driver discounts and

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Insurance: The Basics | III

Details: Homeowners + Renters Insurance. Shopping for Insurance Coverage Questions Claims Filing Other Topics. JUMP TO: Articles; Videos

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Twelve Ways to Lower Your Homeowners Insurance Costs | III

Details: National Association of Insurance Commissioners (www.naic.org) has information to help you choose an insurer in your state, including complaints. States often make information available on typical rates charged by major insurers and many states provide the frequency of consumer complaints by company.

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Fact file: Florida hurricane insurance | III

Details: Flood insurance is covered by the federally managed National Flood Insurance Program, but private flood insurance is becoming increasingly available. Florida leads the nation in the number of flood policies, according to the National Flood Insurance Program, with about 1.8 million policies in force in 2019.

› Verified 7 days ago

› Url: https://www.iii.org/article/fact-file-florida-hurricane-insurance Go Now

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Reinsurance | III

Details: The topic Reinsurance is insurance for insurance companies. It’s a way of transferring or “ceding” some of the financial risk insurance companies assume in insuring cars, homes and businesses to another insurance company, the reinsurer. Reinsurance is a highly complex global business. U.S. professional reinsurers (companies that are formed specifically to provide reinsurance) accounted

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Insurance for landslides and mudflow | III

Details: Federal flood insurance is available for homeowners, renters and business owners; policies cover overflow of inland or tidal waters and unusual and rapid accumulation or runoff of surface waters from any source. NFIP flood policies can be purchased directly from the federal government or through FEMA-authorized insurance companies and agents.

› Verified 6 days ago

› Url: https://www.iii.org/article/insurance-for-landslides-and-mudflow Go Now

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Reinsurance | III

Details: The analysis includes premiums that a U.S. insurance company cedes to offshore, i.e., foreign, reinsurance companies that are not part of the insurer’s own corporate group (unaffiliated offshore reinsurers in the chart below), as well as business ceded to overseas reinsurers that are part of the insurer’s corporate family (affiliated

› Verified 9 days ago

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What is gap insurance? | III

Details: Where you can get gap insurance. Your car dealer may offer to sell you gap insurance on your new vehicle. However, most car insurers also offer it, and they typically charge less than the dealer. On most auto insurance policies, including gap insurance with collision and comprehensive coverage adds only about $20 a year to the annual premium.

› Verified 6 days ago

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Careers in insurance | III

Details: Have you considered a career in insurance? If you haven’t, then you’re possibly missing out on the opportunity of a lifetime! Why? Well, let’s look at the facts: By the year 2020, the insurance industry will need to fill nearly 400,000 positions at all levels, and in all areas.

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Fact file: Texas hurricane insurance | III

Details: The Texas Windstorm Insurance Association (TWIA), is the state’s insurer of last resort for wind and hail coverage for Texas Gulf Coast residential and commercial property owners in the event of catastrophic loss. TWIA covers wind and hail in 14 coastal counties and parts of Harris County.

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› Url: https://www.iii.org/article/fact-file-texas-hurricane-insurance Go Now

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How do I pick an insurance agent? | III

Details: Selecting an insurance agent is an important decision. Like picking a doctor or a lawyer, you need to work with people who you are comfortable with and have considerable knowledge about their profession.

› Verified 7 days ago

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Background on: Credit Scoring | III

Details: Overview Insurance scores (also called “credit-based insurance scores”) are confidential numerical ratings based in whole or in part on a consumer's credit information. Many insurers use these scores in conjunction with other factors to help underwrite and price policies, typically for personal lines such as homeowners and personal automobile insurance.

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› Get more:  Homeowner,  AutoGo Now

To The Reader | III

Details: For more than 50 years the Insurance Information Institute (Triple-I.) has been regarded as a primary source of factual information and credible analysis on insurance—what it does and how it works. The Triple-I does not lobby. Its crucial educational role is especially important in today’s challenging economic environment.

› Verified 8 days ago

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London Market | III

Details: The London Insurance Market. The London Market is a distinct, separate part of the U.K. insurance and reinsurance industry centered in the City of London. Its main participants are insurance and reinsurance companies, Lloyd's of London syndicates, Marine Protection and Indemnity Clubs (P&I Clubs), and brokers who handle most of the business.

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› Url: https://www.iii.org/publications/commercial-insurance/the-global-dimension/london-market Go Now

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Your renters insurance guide | III

Details: Renters insurance protections. Like homeowners insurance, renters insurance includes three key types of financial protection: . Coverage for personal possessions; Liability protection; Additional living expenses (ALE) The big difference is that renters insurance doesn't cover the building or structure of the apartment—that's the landlord's responsibility.

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› Url: https://www.iii.org/article/your-renters-insurance-guide Go Now

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Workers Compensation Insurance | III

Details: What Is Workers Compensation Insurance? Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage. Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while

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Do I need flood insurance for my home? | III

Details: Flood insurance is available for renters as well as homeowners, but a special policy is required as flood insurance—like earthquake insurance—is not part of standard homeowners coverage. Flood policies are provided by the federal government and some private insurers.

› Verified 8 days ago

› Url: https://www.iii.org/article/do-i-need-flood-insurance-for-my-home Go Now

› Get more:  Homeowner,  Renters,  FloodGo Now

Getting the right insurance coverage for moving | III

Details: Trip transit insurance covers your personal property for perils including theft, disappearance or fire (the same perils covered by your homeowners or renters policy) while in transit or storage. Trip transit insurance can be written for the full value of your property, or as excess coverage over and above that provided by the moving company.

› Verified 6 days ago

› Url: https://www.iii.org/article/getting-right-insurance-coverage-moving Go Now

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Fact file: Mississippi hurricane insurance | III

Details: There were 62,996 flood insurance policies covered under the NFIP in Mississippi in 2018, down from 64,372 in 2017. The number of people living in coastal areas in Mississippi increased from 2010 to 2015 by 18,713 people or 2.9 percent to 648,360, according to the U.S. Census Bureau.

› Verified 8 days ago

› Url: https://www.iii.org/article/fact-file-mississippi-hurricane-insurance Go Now

› Get more:  FloodGo Now

Facts + Statistics: Commercial Lines | III

Details: The Commercial Insurance Market. Property/casualty insurance can be broken down into two major categories: commercial lines or types of insurance and personal lines. Personal lines, as the term suggests, includes coverages for individuals—auto and homeowners insurance.

› Verified 6 days ago

› Url: https://www.iii.org/fact-statistic/facts-statistics-commercial-lines Go Now

› Get more:  Homeowner,  AutoGo Now

Mobile home insurance | III

Details: The amount of insurance necessary to protect your assets may be more than what comes standard with a mobile home insurance policy; if so, consider purchasing additional liability insurance. Peril policies offer basic insurance coverage and only cover specific causes of loss. While the low premiums may seem like a bargain, if your mobile home is

› Verified 10 days ago

› Url: https://www.iii.org/article/mobile-home-insurance Go Now

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Small Business Insurance Basics | III

Details: Insurers often combine a number of insurance coverages into a package that is sold as a single contract. The most common policy for small businesses is the Businessowners Policy (BOP). The BOP combines coverage for all major property and liability insurance risks as well as many additional coverages into one package policy suitable for most

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Massachusetts Firm Foundation | III

Details: Key Facts: The Insurance Industry’s Contribution To The Massachusetts Economy The insurance industry in Massachusetts has a significant impact on the state’s economy that extends well beyond its responsibilities to collect premiums and settle claims. It employs licensed professionals, pays taxes, owns municipal bonds and serves people in their times of greatest need.

› Verified 7 days ago

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Special event insurance | III

Details: Special event insurance is designed to provide financial protection if you have to cancel or postpone a gathering due to natural disasters that are outside of your control. Though most often thought of in relation to weddings, special event insurance can be used to cover a 50 th anniversary party, a bar mitzvah, a graduation party or any

› Verified 8 days ago

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