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Does Filing a Claim Result in Higher Homeowners Insurance Premiums for My Vermont Policy

Before filing a claim against your homeowners insurance, it’s important to understand how that claim might impact future premiums. While it’s common for claims to increase the premiums that homeowners in Vermont pay, specifically how a claim might impact your premium depends on several factors.

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Am I Still Covered by My Vermont Car Insurance When Speeding?

How you drive has an impact on your car insurance, and speeding is no exception. You’ll usually be covered if you’re in an accident on one of Vermont’s roads while going too fast. Your act of speeding can still have impacts on your claim and premiums, however.

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Do Sole Proprietors in Vermont Need Small Business Insurance?

Working as a sole proprietor generally presents some business-related risks. Whether actual small business insurance is needed, however, depends upon a sole proprietor’s work and homeowners insurance. Here’s how to think about whether you should purchase business insurance as a sold proprietor in Vermont.

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How Can Small Businesses in Vermont Save on a Business Owners Policy?

Business owners policies offer affordable coverages for small businesses, but the premiums for these policies still vary. While Vermont businesses can’t do much about their industry, size, claims history or other factors that influence premiums, there are a few steps that could help save on a business owners policy.

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Beyond Driving: Lesser-Known Ways for Vermont Drivers to Save on Car Insurance

Insurance companies offer plenty of potential discounts on car insurance, and most drivers are aware of the common ones. Bundling policies, installing a security alarm, driving safely, and not driving a lot are just a few examples. There are still many other ways to reduce premiums, though. Here’s what else you can do to save on auto premiums, even if you’re already taking advantage of those more common discounts.

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How Much Does Classic Car Insurance Pay if the Insured Vehicle is Totaled?

Should drivers ever have a comprehensive or collision claim for damage to their car, a typical auto insurance policy will pay up to the vehicle's value. This doesn’t always work with classic cars and other rare models, though, as value doesn’t automatically equate to the amount of protection that drivers need. Here’s a look at the two main ways that insurers determine the maximum amount a classic car insurance policy will pay for these types of claims.

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Who in Vermont Should Have a Personal Umbrella Policy?

Personal liability lawsuits can become extremely expensive, especially if the defendant is actually guilty of what the plaintiff claims. Such lawsuits can sometimes exceed the personal liability limits of homeowners insurance, which is why there’s personal umbrella insurance. Here’s a look at who in Vermont might purchase a personal umbrella policy.

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Does My Condo Insurance Policy Cover My Condominium When I’m Gone?

Condo insurance policies typically provide a host of projections for the condominiums they insure, but those protections are sometimes confined by a policy’s terms and conditions. With some policies, many of the coverages provided are only in effect so long as the unit is occupied. If you own a condominium in Vermont that’s unoccupied for any substantial amount of time, make sure your condominium insurance policy will continue to cover your unit.

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How Should My Condominium Association Shop for Condo Association Insurance?

Shopping for condo association insurance is a fairly simple process, but having a defined method in place does help ensure everything goes smoothly. If your Vermont condominium association would like to update its condo master policy with a new one, here’s a step-by-step guide that’ll help you through the process.

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How Much Coverage Will a Classic Car Insurance Policy Provide for My Vintage Automobile?

A well-chosen car insurance policy will insure the covered vehicle for its full value. With standard car insurance policies, determining the appropriate amount of coverage is a fairly simple process. Determining how much coverage a classic car insurance policy should provide, however, is often a more involved matter. If you’re insuring a vintage automobile in Vermont, here are a couple of ways that a policy’s coverage might be determined.

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Does My Commercial Trucking Insurance Adequately Protect My Truck?

Insuring a commercial truck is often more complicated than merely purchasing comprehensive and collision coverage for the vehicle. If you have a commercial truck in Vermont, you may want a combination of the following coverages in your commercial trucking insurance policy.

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How Does a Traffic Ticket Impact My Vermont Car Insurance Premiums?

Being issued a traffic ticket, whether in Vermont or some other state, usually requires you to pay fees and/or fines. Certain tickets may also cause your car insurance premiums to go up. Here’s a look at how being ticketed might affect your auto insurance rates, along with what you can do to minimize any impact the ticket has.

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What is the Self-Insured Retention in My Company’s Commercial Umbrella Insurance?

Understanding the terms in a commercial umbrella insurance policy (or any insurance policy) is a fundamental step toward fully understanding what protections the policy affords. As you read through your Vermont company’s commercial umbrella policy, “self-insured retention” is one term you may come across. Here’s an explanation of what this is and how it impacts the protections a policy provides.

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How Can My Financial Firm Improve Its Cyber Security?

As cyber threats continue to grow, developing a robust cyber security system is becoming more and more important. Financial firms, in particular, need to consider potential threats and take actions to protect against those threats. For, the financial sector consistently ranks among the most-targeted sectors that cyber criminals try to exploit. If you run a financial firm, here are some practical ways to improve cyber security at your firm.

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Should My Commercial Property Insurance Have Replacement Cost or Actual Cash Value Coverage?

When comparing commercial property insurance policies, you’ll find that almost all policies include “business personal property” coverage. You’ll also likely notice that the type of business personal property coverage policies offer differs. Some provide “replacement cost” coverage and others have “actual cash value” (ACV) coverage. Here’s a look at the differences between these two types of coverages -- and which one is better for your Vermont business.

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What Happens If My Apartment Was Destroyed and I Didn’t Have Renters Insurance?

According to the Insurance Information Institute, just 37 percent of renters have renters insurance. That leaves a large majority, 63 percent, of people who rent without protection from potential disasters. If you don’t have a renters policy, here’s a look at what might happen if your Vermont apartment is ever destroyed.

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Does My Motorcycle Insurance Cover Custom Work and Aftermarket Parts?

Many motorcycle owners in Vermont trick out their bike with accessories, aftermarket parts and custom work. They may install parts themselves, or they might hire someone to do work that makes their bike truly unique. If you’ve had aftermarket parts put on your bike or custom work done to it, you’ll want to make sure these modifications are covered by your motorcycle insurance policy.

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Does My Business Need More Commercial Auto Insurance With a Fleet of Vehicles?

When purchasing, upgrading or expanding a fleet of vehicles, a business’ commercial auto insurance needs change. If you run a Vermont business that’s recently invested in or is about to purchase a fleet of vehicles, here are some changes you may want to make to your business’ commercial auto policy.

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How Can Shared Workspaces in Vermont Affect Your Business Owners Policy?

Vermont professionals who use shared coworking spaces are frequently still exposed to a variety of potential risks. If you run a business in the state that uses a common office, kitchen, art studio or woodshop, here’s why you might still want to protect your business with a business owners policy.

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What Would Happen If I Canceled the Homeowners Insurance on My Vermont House?

Homeowners in Vermont generally aren’t required by state law to have homeowners insurance, but it’s a smart and wise move to keep a house insured. If you were to cancel the homeowners policy on your home, here’s what might happen.

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