Download The Over 50 Insurance Survival Guide: How to Know What You by Cynthia Davidson PDF

By Cynthia Davidson

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Extra info for The Over 50 Insurance Survival Guide: How to Know What You Need, Get What You Want and Avoid Rip-Offs First Edition

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If you are trimming a tree on the property and a branch falls and damages a neighbor's house, no coverage is provided for the damage, even though you are legally liable for it. You would have to purchase supplemental liability coverage for this exposure. Also, none of the dwelling policies provide any theft coverage. This would need to be added by special endorsement, for which you have to pay an additional premium. Why purchase a dwelling policy at all? The major reason for purchasing a dwelling policy is for a house that you own but do not occupy.

The over-50 group is one of the fastest growing in this country, exceeded only by two other groupsthose 65 and over and those 85 and over. Longevity Needs Better Planning More people living to older ages means more people must stretch their retirement income to last longer (or delay retirement past age 65), keep their homes and assets protected longer, and make sure their health care coverage remains in force. If you retire at age 65 and live to age 100, you will be spending one third of your life without earned income.

These are purchased less frequently because they provide coverage on a "named perils" basis, which means only causes of loss specifically named in the policy are covered. These policies tend to be less expensive than the HO-3, but they can leave you, the policy owner, with major gaps in your coverage. For example, HO-1 and HO-2 provide no coverage for theft. There are also special homeowners policies available for renters and for condominium or cooperative unit-owners, which differ from homeowners insurance.

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