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Businesses are exposed to many different types of risks. A single, unfortunate incident or lawsuit can cause your business to crash before it can even get off the ground. Luckily, there is a wide range of business insurance policies that can protect you, your company, and your financial future.

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If you’re looking around for home or auto insurance, you may find the process confusing, especially if you’re new to buying coverage and aren’t familiar with the terminology. Here are five essential things you should know when you consider options for your residence or vehicle.

What Is a Deductible?

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Insurance is an important part of being a homeowner. Not only does it protect you from damages caused by things like fire and vandalism, but it can also protect your personal property or additional structures like garages, and provide liability coverage.

But when is it time to review your coverages?...