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	<title>Answers for InsuranceLibrary.comJulie Verville -  -</title>
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		<title>Answer on Does car insurance cover vandalism? by Julie Verville</title>
		<link>http://insurancelibrary.com/auto-insurance/does-car-insurance-cover-vandalism#answer_148</link>
		<dc:creator>Julie Verville</dc:creator>
		<pubDate>Wed, 20 Feb 2013 02:06:30 +0000</pubDate>
		<guid isPermaLink="false">http://insurancelibrary.com/auto-insurance/does-car-insurance-cover-vandalism#answer_148</guid>
		<description><![CDATA[If your car is the unfortunate victim of vandalism, will your current car insurance policy cover the claim? The answer to this question depends on the type of auto insurance coverage you currently carry. If you only carry the minimum liability limits, the answer is no. However, if you carry comprehensive coverage, the answer is yes less any applicable annual deductible you have selected for your policy.

Vandalism to your vehicle could include a variety of incidents; key scratches, broken glass and other damage caused with malicious intent. Vandalism is different than burglary. If something was removed from your vehicle as a result of the vandalism, you must be sure to state this in your report. In most cases, comprehensive coverage will cover both theft and vandalism.

The amount of coverage your policy offers depends not only on the overall type of policy you have selected, but the coverage limits, the type of claim, and your chosen annual deductible. In the case of high deductible policies, it may be more beneficial to pay for the repairs out of pocket than to run it through your insurance company.

Before any claim will be paid, you must file a report with your local police department describing the nature of the vandalism.]]></description>
		<content:encoded><![CDATA[If your car is the unfortunate victim of vandalism, will your current car insurance policy cover the claim? The answer to this question depends on the type of auto insurance coverage you currently carry. If you only carry the minimum liability limits, the answer is no. However, if you carry comprehensive coverage, the answer is yes less any applicable annual deductible you have selected for your policy.

Vandalism to your vehicle could include a variety of incidents; key scratches, broken glass and other damage caused with malicious intent. Vandalism is different than burglary. If something was removed from your vehicle as a result of the vandalism, you must be sure to state this in your report. In most cases, comprehensive coverage will cover both theft and vandalism.

The amount of coverage your policy offers depends not only on the overall type of policy you have selected, but the coverage limits, the type of claim, and your chosen annual deductible. In the case of high deductible policies, it may be more beneficial to pay for the repairs out of pocket than to run it through your insurance company.

Before any claim will be paid, you must file a report with your local police department describing the nature of the vandalism.]]></content:encoded>
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		<title>Answer on Does renters insurance cover bed bugs? by Julie Verville</title>
		<link>http://insurancelibrary.com/renters-insurance/does-renters-insurance-cover-bed-bugs#answer_147</link>
		<dc:creator>Julie Verville</dc:creator>
		<pubDate>Wed, 20 Feb 2013 02:06:03 +0000</pubDate>
		<guid isPermaLink="false">http://insurancelibrary.com/renters-insurance/does-renters-insurance-cover-bed-bugs#answer_147</guid>
		<description><![CDATA[If you find your home infested with bed bugs, will your renter’s insurance policy cover the clean-up and debugging expense? In most cases, the answer is unfortunately ‘no’.

The majority of renter’s insurance policies will cover the following general perils:

 - Fire damage
 - Damage as a result of a natural disaster; windstorms, hail, lightening (flood damage is often not covered by most policies)
 - Smoke damage resulting from fire within the unit or from nearby units
 - Vandalism
 - Burglary/Theft
 - Damage caused by a fallen roof; often caused by water, snow and/or ice build up
 - Damage from appliances; water heaters, steam heaters, air conditioners
 - Fallen objects- i.e. trees, power lines
 - Freezing of plumbing, heating or air conditioning pipes

But, most renters policies currently exclude ‘vermin infestation’, which encompasses bed bugs, despite the recent rise in reported incidents nationwide.

Bed bugs can become expensive guests, causing a damage and costly clean up (debugging, steam cleaning and the cost of relocation during the clean-up). Plus, they spread to other homes around the infested area quickly through animal and human transfer. Until renters policies begin to cover bed bug infestations, the best plans of attack are prevention and to build a rainy day fund for general home emergencies.]]></description>
		<content:encoded><![CDATA[If you find your home infested with bed bugs, will your renter’s insurance policy cover the clean-up and debugging expense? In most cases, the answer is unfortunately ‘no’.

The majority of renter’s insurance policies will cover the following general perils:

 - Fire damage
 - Damage as a result of a natural disaster; windstorms, hail, lightening (flood damage is often not covered by most policies)
 - Smoke damage resulting from fire within the unit or from nearby units
 - Vandalism
 - Burglary/Theft
 - Damage caused by a fallen roof; often caused by water, snow and/or ice build up
 - Damage from appliances; water heaters, steam heaters, air conditioners
 - Fallen objects- i.e. trees, power lines
 - Freezing of plumbing, heating or air conditioning pipes

But, most renters policies currently exclude ‘vermin infestation’, which encompasses bed bugs, despite the recent rise in reported incidents nationwide.

Bed bugs can become expensive guests, causing a damage and costly clean up (debugging, steam cleaning and the cost of relocation during the clean-up). Plus, they spread to other homes around the infested area quickly through animal and human transfer. Until renters policies begin to cover bed bug infestations, the best plans of attack are prevention and to build a rainy day fund for general home emergencies.]]></content:encoded>
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		<title>Answer on How much does car insurance go down at 25? by Julie Verville</title>
		<link>http://insurancelibrary.com/auto-insurance/how-much-does-car-insurance-go-down-at-25#answer_146</link>
		<dc:creator>Julie Verville</dc:creator>
		<pubDate>Wed, 20 Feb 2013 02:05:04 +0000</pubDate>
		<guid isPermaLink="false">http://insurancelibrary.com/auto-insurance/how-much-does-car-insurance-go-down-at-25#answer_146</guid>
		<description><![CDATA[Most people don’t enjoy paying their auto insurance premiums each and every month! So, they often look forward to scheduled rate decreases, such as at the age of 25.

Why do car insurance rates decrease at this age? Well, because the majority of crash claims are filed by young (ages 16 through 24) and older drivers. As a driver matures, they become less likely to become involved in a crash according to statistics, so to offer an incentive for drivers to stay with a particular insurance company, discounts are often offered at the age of 25.

While it is generally true that auto insurance rates will decrease at the age of 25, it isn’t always the case. Drivers can expect their car insurance rates to decline at the age of 25 assuming the following remain constant- their driving history, incident history, and the make and model of their car. If all of these factors remain the same, male drivers can expect a premium discount as high as 20%, while female drivers can expect a 12-15% discount on their rate.

Keep in mind that the above discount ranges are averages; there isn’t currently a standard amount of deduction that can be expected; rate decreases will depend not only on the driver’s history, but the insurance company, the type of coverage selected and the overall state of the economy.]]></description>
		<content:encoded><![CDATA[Most people don’t enjoy paying their auto insurance premiums each and every month! So, they often look forward to scheduled rate decreases, such as at the age of 25.

Why do car insurance rates decrease at this age? Well, because the majority of crash claims are filed by young (ages 16 through 24) and older drivers. As a driver matures, they become less likely to become involved in a crash according to statistics, so to offer an incentive for drivers to stay with a particular insurance company, discounts are often offered at the age of 25.

While it is generally true that auto insurance rates will decrease at the age of 25, it isn’t always the case. Drivers can expect their car insurance rates to decline at the age of 25 assuming the following remain constant- their driving history, incident history, and the make and model of their car. If all of these factors remain the same, male drivers can expect a premium discount as high as 20%, while female drivers can expect a 12-15% discount on their rate.

Keep in mind that the above discount ranges are averages; there isn’t currently a standard amount of deduction that can be expected; rate decreases will depend not only on the driver’s history, but the insurance company, the type of coverage selected and the overall state of the economy.]]></content:encoded>
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		<title>Answer on Does homeowners insurance cover fallen trees? by Julie Verville</title>
		<link>http://insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-fallen-trees#answer_145</link>
		<dc:creator>Julie Verville</dc:creator>
		<pubDate>Wed, 20 Feb 2013 02:04:37 +0000</pubDate>
		<guid isPermaLink="false">http://insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-fallen-trees#answer_145</guid>
		<description><![CDATA[If a fallen tree, whether your own or your neighbors, has landed in your yard, on car or on your home, you are likely wondering whether your current homeowners insurance policy will cover the repair costs.

Damage to your home and its contents, regardless of whether the tree’s origin was from your own property or a neighboring, is covered under a homeowner’s policy. For property such as sheds, additions or detached garages, there is generally a maximum amount of coverage offered for fallen tree damage (i.e. 10% of your entire property’s value).

Even though your homeowner’s insurance policy will cover damage resulting from fallen trees, it is important to keep in mind that you are financially responsible for any applicable policy deductible. For example, if your homeowner’s insurance policy has a $5,000 or $10,000 deductible and the total cost of repairs is $25,000, you will be required to pay either $5,000 or $10,000 out of pocket for the clean-up to be completed. If the fallen tree was from your neighbor’s yard, it is possible that your insurance company will attempt to get their policy to cover the cost of the damage. In this event, you may be refunded any deductible you paid for the repairs.]]></description>
		<content:encoded><![CDATA[If a fallen tree, whether your own or your neighbors, has landed in your yard, on car or on your home, you are likely wondering whether your current homeowners insurance policy will cover the repair costs.

Damage to your home and its contents, regardless of whether the tree’s origin was from your own property or a neighboring, is covered under a homeowner’s policy. For property such as sheds, additions or detached garages, there is generally a maximum amount of coverage offered for fallen tree damage (i.e. 10% of your entire property’s value).

Even though your homeowner’s insurance policy will cover damage resulting from fallen trees, it is important to keep in mind that you are financially responsible for any applicable policy deductible. For example, if your homeowner’s insurance policy has a $5,000 or $10,000 deductible and the total cost of repairs is $25,000, you will be required to pay either $5,000 or $10,000 out of pocket for the clean-up to be completed. If the fallen tree was from your neighbor’s yard, it is possible that your insurance company will attempt to get their policy to cover the cost of the damage. In this event, you may be refunded any deductible you paid for the repairs.]]></content:encoded>
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