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Protect What Matters Most
Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.
What Is Hazard Insurance?
Your house is not just your home; it's likely also one of the most valuable things you own. While you have homeowners insurance to help protect you and that investment, what exactly does it cover? Homeowners policies usually help provide coverage from damage from certain hazards (or perils), such as fire, hail or vandalism. This overview of homeowners insurance is a great place to start, but it's also a good idea to you review your policy so you know your specific coverage.
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Your First Car Insurance
Congratulations on buying your first car! There's a lot of independence that comes with your very own ride. There's a lot to think about, too, like how much insurance you need and what you can afford. That's where I come in - I'm here to help you choose the coverage that fits your needs and your budget. I'll walk you through your options and let you know what Allstate discounts are available.
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Vacation Home Coverage
Whether you're looking for that perfect spot on the beach, want a kitchen to use or need somewhere with room for extended family, sometimes a vacation rental is the best fit for your getaway. And while you probably thought about the cost, you may not have thought about the insurance implications of staying in a rental. Are you covered if your suitcases are stolen during your stay? What happens if the home is damaged while you're there? Before you start packing, make sure you'll be covered while you're away.
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Prepaid Tuition & College Savings
When you're in the middle of sleepless nights and seemingly endless diaper changes, it may feel like a lifetime before your little one will be heading off to college. But with the costs of tuition on the rise, it's never too early to start planning ahead. Thankfully, 529 plans can help you save now while also offering some tax advantages. There are some great college saving plans available in VA, and I'd be happy to talk through the options available to you and your future grad.
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Liability Insurance for Your Business
Part of owning a business is staying one-step ahead and managing risks before they happen. But no amount of planning can keep accidents from happening, and it's good to have some backup. That's where liability insurance comes in - it may help protect your business in the event of a work-related accident or mistake that damages a third party. I'm here to answer any questions you may have, but keep these questions in mind when you're choosing liability coverage for your business.
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Is a Wedding Covered by Event Insurance?
Considerable investments of time and money can go into planning a wedding. Two types of event insurance may be available to help protect that investment.
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Motorcycle Passenger Protection
Sometimes the best way to enjoy a ride is with a friend on the back of your motorcycle. Before you take a friend or family member out for a ride, though, keep in mind that protection is essential for you and your passenger. Aside from donning helmets and safety gear, it's also a good idea to check your motorcycle insurance covers for passengers. Before you hit the road, take a look at these motorcycle passenger coverage requirements and tips for reducing accidents.
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Renting A Motorhome?
Whether it's for a weekend getaway or a summer touring the country, renting a motorhome can be a great way to travel. While you're researching the motorhome and rental company that are right for your trek, don't forget to look into insurance, too. Your current auto and homeowners policies may offer some coverage for a motorhome rental, but supplemental insurance can be a good idea. Here are the basics on what your policies may cover and why you might want to consider additional insurance before hitting the road.
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Condo Association Coverage
If you own a condo, you may find that two different insurance policies help protect separate parts of your unit. While you are typically responsible for insuring your personal property such as furniture, clothing and other inside components, the condo association's master insurance policy usually helps protect the building's structure and common areas shared by multiple residents. It's important to understand what your condo association's insurance covers so that you can make arrangements to protect other aspects of your home.
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Insurance Premiums, Deductibles, Limits
When it comes to buying an insurance policy, there is no one-size-fits-all. Instead, it's important to choose the amount of coverage (known as limits) that is right for you. The same holds true when it comes to selecting a deductible (that's the amount you'll have to pay before your policy kicks in after a covered loss) and premium, which is your cost to maintain your policy. Understanding limits, premiums and deductibles is key when you’re buying or renewing insurance policies.
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Quiz: How Much Do You Know About Personal Umbrella Policies?
You may know that a personal umbrella policy (PUP) may help protect you if the limits of an underlying policy (homeowners or auto, for instance) are exhausted. But how much do you know about how PUPs work? Test your knowledge with these five questions.
Learn More *Note: In Florida, Allstate agencies are authorized to represent a number of companies that are part of the Allstate family. Through these separate and distinct companies a wide variety of insurance products are available. For example, auto insurance in Florida is available from Allstate Insurance Company, Allstate Indemnity Company and Allstate Property and Casualty Insurance Company(Home Office:Northbrook, IL). Property insurance, such as homeowners, condominium owners and renters insurance is available in Florida from Castle Key Insurance Company and Castle Key Indemnity Company(Home Offices: St. Petersburg, FL).
It's important to note that Castle Key Insurance Company and Castle Key Indemnity Company are separate and distinct companies from each other and from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Life Insurance Company. This means, for example, that property insurance products provided by Castle Key Insurance Company and Castle Key Indemnity Company are not underwritten or reinsured by Allstate Insurance Company or Allstate Life Insurance Company.
Ralph M. Rios is insurance licensed in the state(s) of Florida, North Carolina, Tennessee, and Virginia. If you do not reside in the state(s) of Florida, North Carolina, Tennessee, or Virginia, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.
Subject to terms, conditions & availability.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.
Check the background of this firm on FINRA's BrokerCheck website.
It's important to note that Castle Key Insurance Company and Castle Key Indemnity Company are separate and distinct companies from each other and from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Life Insurance Company. This means, for example, that property insurance products provided by Castle Key Insurance Company and Castle Key Indemnity Company are not underwritten or reinsured by Allstate Insurance Company or Allstate Life Insurance Company.
Ralph M. Rios is insurance licensed in the state(s) of Florida, North Carolina, Tennessee, and Virginia. If you do not reside in the state(s) of Florida, North Carolina, Tennessee, or Virginia, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.
Subject to terms, conditions & availability.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.
Check the background of this firm on FINRA's BrokerCheck website.
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