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How to choose your homeowners insurance Try these tips to make a wise decision about your homeowner’s insurance policy: Go online and get some quotes. Make sure you’re comparing apples to apples when assessing your options. Some policies may offer substantially more coverage, according to Harper. Know what your policy does and doesn’t cover. Homeowners insurance protects against most common exposures, such as water damage, electrical fires, and roof leaks, but maintenance issues such as mold and pest infestations usually aren’t covered, according to Gatewood. “You may need special coverage for items like fine art, a wine collection, or antiques that typically aren’t covered either,” Gatewood wrote. Check the insurance company’s rating. A rating is an independent assessment, usually by A.M. Best or Demotech, of the company’s financial standing. “A good rating means the company can meet its claim obligations even after a widespread disaster,” Harper wrote. Pick a high enough deductible.

https://www.inquirer.com/real-estate/housing/how-to-buy-homeowners-insurance-20201128.html

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The company’s payout ratio stands at a mere 22.32%, suggesting that the company has plenty of room to increase distributions in the future. One aspect of Buffett’s investing style that investors have taken note of is his admiration for dividend-paying companies. Banking companies have been known to be solid dividend payers and also make up the second-largest sector in Warren Buffett’s portfolio. In his latest filing, it was reported that 26% of Buffett’s $228 billion portfolio was invested in the financial sector. Of these companies, the Bank of America is his largest position. It is the second-largest American bank, by assets, which lends the company to comparisons with TD Bank (TSX:TD) (NYSE:TD) . Surprisingly, the two companies have shown very similar performance over the past five years. click this link now Both companies have shown reliable stock appreciation over the past five years, before being significantly hit by the COVID-19 pandemic. Even after a solid 20% gain this month, TD stock is still more than 6% down from its pre-COVID levels.

https://www.fool.ca/2020/11/28/find-financial-success-by-investing-like-warren-buffett/