Hazard insurance is a term sometimes used to describe risks covered by a homeowners insurance policy. Covered risks (or hazards) often include damage to your home caused by fire and smoke, theft and vandalism, among...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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