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Car insurance can help benefit you in many ways. By having car insurance you can spend very little and end up saving a lot of money that can go towards other expenses that need to be paid off. Whenever you were to get into a car accident, car insurance can help cover some of the costs and it will help you save money in the end. Car insurance is typically the law too, which shows to you how beneficial it is and how much it can help you once coming down to car payments.

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5 Reasons You Need Car Insurance | Esurance

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Esurance welcomes you to the modern world with a personalized quote for car insurance and more.

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Homeowners/renters insurance will be beneficial to me in the future. Homeowners insurance is required by your mortgage lender for when you are looking for a house to buy. Homeowners insurance helps protects my house from any damage that can destroy my house. If any of my personal belongings were to get ruined in any sort of damage, this insurance will be able to cover it. Also if a disaster were to happen, homeowners insurance will allow anyone to stay in a temporary house until your other house is recovered.

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You've probably heard it time and again: your home is one of the largest financial investments you'll make in your lifetime. But it's also an investment that's vulnerable to numerous risks. From brutal storms, to liability from injuries, to vandalism - it's imperative to have insurance in place to safeguard your home and family from financial risk.

1. homeowners insurance is required by your mortgage lender

While it's not a state requirement like auto insurance, you typically need homeowners insurance if you're financing your house. Home insurance guards your lender's investment from loss or damage caused by covered risks like a fire or vandalism.

The minimum amount of homeowners coverage you have in place typically depends on the amount of your mortgage. Should you fail to keep your abode adequately insured, your lender will likely purchase a homeowners policy in your name and add the payments to your monthly mortgage tab.

2. insurance protects your home from loss

Standard homeowners insurance safeguards your home and unattached structures on your property from a multitude of hazards, including wind damage, fire, vandalism, tornadoes, hurricanes, and thunderstorms. Whether a small portion of your property is damaged or your entire house is leveled, the coverage on your average home policy steps in to help pay for repairs and replacements so you're not left footing the bill.

When you're purchasing or renewing your homeowners insurance, make sure your policy pays out damages on a replacement cost basis (rather than an actual cash value basis) to ensure you're getting the most financial protection possible.

3. home insurance covers your personal belongings

If your stuff is stolen or destroyed by a covered hazard, home insurance may reimburse you for the value of those items - such as furniture, electronics, appliances, clothing, and more. Plus, your policy protects your stuff anywhere in the world - whether it's at your place, in your car, with your kid at school, or in storage. So if your laptop gets stolen out of your car while you were getting your sweat on at the gym, your homeowners policy can step in to replace it. How's that for peace of mind?

4. homeowners coverage protects your liability

Your homeowners insurance does more than just cover the structure and contents of your home. Family liability insurance, which comes standard on most homeowners policies, is designed to cover you in the event of a lawsuit arising from an injury on your property.

Remember, injuries for which you may be held liable don't only apply to the mailman slipping on your icy walkway. If, say, the snooping neighborhood kid takes a furtive dip in your pool and slips on the deck, you could actually be held legally responsible.

Thankfully, liability coverage has a wide repertoire - it extends to accidents away from the home (a golf incident out on the fairway, for example), legal and medical fees, and even lost wages if the injured person is out of work for a little while.

5. coverage includes temporary housing after a disaster

If your home is rendered uninhabitable after, say, a brutal hailstorm or a fire, additional living expense coverage - standard in most home insurance policies - could help pay for temporary living costs while your home is being worked on. These costs may include hotel expenses or interim housing, food, laundry and dry cleaning, storage space, and internet/cable connection.

6. home insurance offers peace of mind

With homeowners insurance, you can sleep a little sounder at night knowing that you have a veritable safety net if anything ever happens to your largest investment. Additionally, if most of your home is paid off, you've obviously put a lot of hard-earned cash into it at that point. If something ever happens to your place, your insurer is there to make sure you don't lose any of that hard-sought value you've diligently earned over the years.

How much is homeowners insurance?

The cost of homeowners insurance tends to vary significantly, but according to the Federal Reserve Bureau, the average homeowners premium costs between $300 and $1,000 a year. The reason for the wide variance stems from a range of factors - including the age and location of the house, the cost of rebuilding the house should catastrophe strike, the value of personal property, and your chosen insurance deductibles. Other factors like your dog's breed, or whether you own a pool or trampoline, could also affect policy rates.

start your search for reliable homeowners insurance with esurance

If you're in the market for a reliable homeowners policy, why not start here? When you get your fast, free homeowners insurance quote from Esurance online, be sure to check out our many money-saving perks, which kick in the moment you purchase a policy. Plus, we offer a wide range of customizable coverage options so you can tailor a policy that feels right for you and your situation.

And of course, if you prefer to speak with a live human being, you can reach our agents at 1-866-439-5633 where we're here to help at these times.

How is my homeowners premium decided?
Learn more about the factors that homeowners insurance companies consider when determining your policy premium.

Homeowners insurance vs. PMI: what's the difference?
A new home purchase often entails a lot of paperwork, with mentions of home insurance and private mortgage insurance. We'll explain the difference and the unique financial protections offered by each.

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You've probably heard it time and again: your home is one of the largest financial investments you'll make in your lifetime. But it's also an investment that's vulnerable to numerous risks. From brutal storms, to liability from injuries, to vandalism - it's imperative to have insurance in place to safeguard your home and family from financial risk.

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When it comes to life insurance, it is one of the most important insurance to have. Life insurance can help with your income when you die. It can help your family, spouse, etc. once you are gone and they are without your income. Life insurance can also help with anyone who is looking to retire soon. Also is there are any changes in your life, life insurance and can help with any costs that come along the way with it.

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Why Do I Need Life Insurance? : Farmers Insurance

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Life insurance can help your family find peace of mind. Farmers can help you better understand the facts about life insurance and provide a fast quote today.

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Some costs that vision insurance will help cover includes eye exams, contacts, eyeglass frames/lenses, etc. Without this insurance you would have to be paying these cost upfront without any savings. With this insurance, it can help you save more money then if you didn't have it. I have glasses and contacts myself so this insurance and help benefit me and help save me some money.

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Vision insurance is a way to reduce eye care expenses. In exchange for a monthly premium, the plan picks up some of the costs of vision care.

Vision insurance is different from a vision discount plan, which offers discounts on vision care. Typically, vision discount plans cost less per year than vision insurance, but you pay more for visits and eyewear than you would with insurance.

Most adults need vision correction: 66% of Americans 18 and over report using glasses, contacts or both, according to the National Eye Institute. Depending on how often you need new lenses or eye exams, getting vision insurance may be a smart financial choice.

Here's more about vision insurance, including how to decide if you or your family needs a plan.

In this article:
What vision insurance pays for Vision insurance costs Where to find vision insurance Who needs vision insurance
What vision insurance pays for

Vision plans often pay at least a portion of:

Basic preventive care such as eye exams and vision tests.

Eyeglass lenses.

Contact lenses.

Eyeglass frames.

Lens protection for glasses, such as scratch-resistant coating.

Many vision insurance plans have additional options for coverage, such as:

Daily disposable contact lens coverage.

Discounts on corrective eye surgery such as Lasik.

Vision insurance may not pay for eye care related to medical issues. If your optometrist finds medical problems during your vision exam, he or she would refer you to a medical eye doctor such as an ophthalmologist. Although vision insurance may not cover medical services for your eyes, health insurance often does.

Vision insurance costs

Many employers offer vision insurance as a benefit.

If you don't have access to vision insurance at work, you might be able to find it for less than $20 per month. Humana offers vision insurance plans starting at $16 to $18 per month, and VSP offers plans starting at less than $17 per month per person, according to each insurer's website.

In addition to a monthly premium, you'll likely pay a portion of costs for visits, exams, and glasses or contacts. Typically, the higher your monthly premium, the less you'll have to pay out of pocket for these services.

Where to find vision insurance

You can buy individual or family vision plans through many of the same websites from which you buy health insurance. As you shop:

Make sure the provider offers plans in your area, which you typically can do by entering your ZIP code.

Use the provider directory to make sure the plan covers your preferred vision specialist or to find one near you.

If you need an eye exam, contacts or glasses soon, choose a plan that doesn't have a waiting period.

Many insurers offer vision plans alongside dental insurance, so check for combination plans if you need both types.

Who needs vision insurance

Because eye exams can detect hidden medical problems, even those with perfect vision shouldn't skip them. As you age, you'll need more frequent vision exams, according to the Mayo Clinic.

People with poor vision, a family history of eye disease or a condition that increases the risk of eye disease, such as diabetes, should have more frequent exams.

If routine exams are all you need, the cost of insurance might not be worth it. Take a look at the cost for one year of vision insurance compared with the cost of an eye exam. This is a hypothetical look at a year's worth of preventive care only, assuming your insurance pays 100% for vision exams, as many do.

If you don't need glasses or other corrective treatment, you can pay out of pocket when that routine exam is due and avoid paying for vision insurance. If you do need corrective lenses in addition to preventive care, you're probably better off with the insurance.
Lacie Glover is a staff writer at NerdWallet, a personal finance website. Email: lacie@nerdwallet.com. Twitter: @LacieWrites.

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Vision Insurance: Costs, Benefits and Who Needs It - NerdWallet

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Vision insurance is a way to reduce eye care expenses. In exchange for a monthly premium, the plan picks up some of the costs of vision care. Vision insurance is different from a vision discount plan, which offers discounts on vision care.

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I would need health insurance because it helps protect me to any high medical costs. It will help you pay less for any expenses that you have to pay off. Most times, you won't be able to pay off out of pocket expenses because medical bills can be very expensive. Health insurance makes any medical bills more affordable for those who don't  have a ton of money.

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See How Health Insurance Coverage Protects You

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No one plans to get sick or hurt, but most people need medical treatment at some point. Health insurance covers these costs and offers many other important benefits.

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Credit Card Name: Bank of America Cash Rewards
Benefits/Information: You can earn cash back,
APR = 0% for your first 12 billing cycles; after that a Variable APR that's currently 14.49% to 24.49% will apply
Annual Fees = None
Penalties = None
Rewards = Get a 10% customer bonus every time you redeem cash back, 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, 3% on gas and up to $2,500 in grocery/wholesale club/gas quarterly purchases
Etc.: Has overdraft protection, there is a chip in the card, they have text banking, and account alerts to make sure that you pay your bills on time.

Why/Reflection:  I chose this credit card because it offered me many rewards that will help me earn/save money. I can receive cash back on every purchase, at the grocery store and on gas. They alert me on when my payments are coming up which can help me make sure that all my bills are paid on time.

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Credit Cards: Find & Apply for a Credit Card Online at Bank of America

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Explore a variety of credit cards including cash back, lower interest rate, travel rewards, cards to build your credit and more. Find the credit card that's right for you and apply online today.

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Cost of Home = $324,500
20% Down Payment = $64,900.00
Property Taxes = $3,633
Loan Amount (amount financing) = $259,600
Monthly Payments = $1,221.48

REFLECTION
The house that I chose is not < 30% of the average salary for my career. For my career in accounting, I would make $67,190 a year and the amount of money that I should spend on a house would only be $1679.75. Ways that I would make this house work in my budget is to take out loans and set up savings accounts to save as much money as possible. I can create a monthly budget that will help me reach the money of money I need in order to pay off the house.

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5036 Creekside Trl, Sarasota, FL 34243 | MLS #A4214258 | Zillow

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For sale: $324,500. This home is just waiting for a new owner to move right in! This home offers a beautiful formal dining and living room to entertain and then a separate family room to have a great relaxing space! This 3 bedroom/2 bath+den beauty has room for all your needs.

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Name: Bank of America
Account Chosen: Savings Account
Location: Grayslake; I live in Round Lake and their bank in Grayslake is the closest one to me. Location does play a factor in choosing where I will bank because I like to have one closest to me so it's convenient
Services Offered by the Bank: Account management, payroll services, remote deposits online, and invoicing and payments by viewpost.
Perks: They have automatic savings, a variety of checking accounts, investment options, safety and security, and accessibility.
Interest Rates: For less than $50,00 the interest rate is 0.01%, for $50,00 - $90, 999 the interest rate is 0.02%, and for $100,000 and over the interest rate is 0.02%.
ATM Fees: You can get a fee of $2.50
Etc: There are credit card rewards and you get can keep to as much as $20,000.
Why?: I chose this bank because its near where I live, which makes it convenient. It's easy to access and I can set up a variety of checking accounts. They offer many services and if I set up a credit card with Bank of America I can receive rewards.

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Bank of America - Banking, Credit Cards, Loans and Merrill Investing

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What would you like the power to do? For you and your family, your business and your community. At Bank of America, our purpose is to help make financial lives better through the power of every connection.

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Plan:
Start by 2024
1. Create a budget
2. Open a dedicated vacation bank account
3. Cut back on unnecessary spending
4. Pick up any side jobs available to make extra money
5. Travel grants

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Boats and boating--Equipment and supplies

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Plan:
Start by 201
1. Set up a 529 savings plan
2. Fund an Roth IRA
3. Get as many free scholarships available

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Plan:
Start by 2026
1. Create a monthly budget by spending less
2. Downsize before you get a bigger house
3. Pay off credit card debt
4. Create a savings account

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Plan:
Start by 2020
1. First calculate the desired car payment
2. Set up a savings account
3. Factor in car related expenses
4. Automate my savings

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Plan:
Start by 2024
1. Fund an IRA
2. Start investing $80 every 10 months in diversified stocks
3. Start putting some money aside into a money market account
4. Set up a direct deposit which can prevent form spending money