Riders boost insurance policies by adding narrowly defined coverage to a policy's standard protections. If you have a home insurance policy, here are some common riders that could increase the protections your homeowners policy offers. Water Backup Rider Plumbing issues that lead to leaks or backups can cause significant damage to a house, and this damage isn't covered by a standard homeowners insurance policy. If your toilet overflows, dishwasher line leaks, or a pipe bursts during winter, a standard home insurance policy will leave you responsible for repairing the damage.

Every car has a title, and the title states the names of the people who own the car. If you own the vehicle, the title will have your name on it. Typically, you would be the person insuring the car, but have you wondered if someone else can insure it instead? If so, here are a few things to know. Why You Might Want to Do This Suppose you are divorced and have a child with your ex.

Figuring out who should bill or pay whom in a car accident is a juggling nightmare. If you live in a "no fault" accident state, everyone files a claim with their own insurance company, even when the accident was clearly the fault of the drunk driver or the person that hit and run a parked vehicle. In all other states, the process can be confusing. Here is how it usually goes.

The winter is a time when the temperature drops and snow may fall from the sky. If you have a car that you prefer to not drive during this time, you could always store the car away. If you do this, you might be wondering how to make sure the car is fully protected during this time while paying less for your auto insurance, because you will not be driving it.

When you owe money to a car lender for your vehicle, your lender will have control over the types of car insurance coverages you have, but when you pay off your car, you gain control of this. After you make your last payment, you can technically drop all coverage on your policy down to the minimum type allowed in your state, if you wish; however, it may be important for you to consider keeping collision coverage, comprehensive coverage, or both.

Have you been ordered to get SR22 insurance after a serious driving offense, such as a DUI? If so, you may be wondering what can happen if you just ignore the order and drive without getting this additional form of insurance. Here are some of the consequences you can expect.  You'll Be Arrested If you are pulled over by the police and they discover that you do not have the required SR22 insurance that has been ordered by the court, it is very likely that you will be arrested and taken to jail.

Car insurance is one of those things that's a pain to shell out money for—but really comes in handy when you need it. And you definitely don't want to be caught without it. Still, you want to avoid paying more than you need to for your car insurance coverage, which is why you should keep a few money-saving tips in mind. Negotiate Points Off Your License If you have points on your license, this is most likely affecting your car insurance premiums—and not in a good way.

Your teen might have already undergone driving classes in order to get his or her driver's license. Even though you and your teen might have both thought that those classes were the last driving classes that he or she would take, it might be time to look into additional driving classes. In these cases and others, it is smart to consider having your teen take additional driving classes. 1. Your Teen Still Seems Nervous About Driving

Auto insurance can be costly and confusing at times, and one of the hardest parts of choosing it is knowing what types of coverage you should have. It is also hard to know how much you should choose for your deductible, yet these factors will play a big role in a claim you have to file after causing an accident. In fact, here are three big mistakes you should try to avoid making, as they will be costly mistakes if you ever have to file a claim on your policy.

Finding out that you now need SR-22 insurance coverage is probably not the news you wanted to receive, but it is better than some of the alternative consequences you could have faced. If you need SR-22 insurance but do not understand a lot about it, here are several questions you may want to ask. What is it, and why is it required? SR-22 is a form of car insurance used for high-risk drivers.