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	<title>Insurancetool.net</title>
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	<link>http://www.insurancetool.net</link>
	<description>free insurance tools, resources, articles and news</description>
	<pubDate>Wed, 06 Aug 2008 17:12:40 +0000</pubDate>
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		<title>How extensive are these risks?</title>
		<link>http://www.insurancetool.net/how-extensive-are-these-risks/</link>
		<comments>http://www.insurancetool.net/how-extensive-are-these-risks/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:57:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Student Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=47</guid>
		<description><![CDATA[College and university campuses aren&#8217;t immune to property crime. A 1995 FBI study reported that there were more than 100,000 property crimes on college nationwide, including burglary, theft, motor vehicle theft, and arson. Thieves took an average of $1,251 of property per offense that same year.
At least one in 10 college students revealed that they [...]]]></description>
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		<title>What kinds of risks do college students face?</title>
		<link>http://www.insurancetool.net/what-kinds-of-risks-do-college-students-face/</link>
		<comments>http://www.insurancetool.net/what-kinds-of-risks-do-college-students-face/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:56:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Student Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=46</guid>
		<description><![CDATA[College students face many new risks as they head off to school: theft of personal property, auto accidents due to driving long distances, and risks related to attending and giving parties.
]]></description>
		<wfw:commentRss>http://www.insurancetool.net/what-kinds-of-risks-do-college-students-face/feed/</wfw:commentRss>
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		<title>I&#8217;m a college student. Am I still covered by my parents&#8217; policies?</title>
		<link>http://www.insurancetool.net/im-a-college-student-am-i-still-covered-by-my-parents-policies/</link>
		<comments>http://www.insurancetool.net/im-a-college-student-am-i-still-covered-by-my-parents-policies/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:56:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Student Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=45</guid>
		<description><![CDATA[It depends on the policy and its terms. For example, most Health insurance policies cover insureds&#8217; children up to age 18, or up to 22 if the child continues as a full-time student. If you&#8217;re over 18 and not a full-time student, you&#8217;ll need your own Health insurance policy.
]]></description>
		<wfw:commentRss>http://www.insurancetool.net/im-a-college-student-am-i-still-covered-by-my-parents-policies/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Does insurance coverage vary for different businesses?</title>
		<link>http://www.insurancetool.net/does-insurance-coverage-vary-for-different-businesses/</link>
		<comments>http://www.insurancetool.net/does-insurance-coverage-vary-for-different-businesses/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:53:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Business Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=44</guid>
		<description><![CDATA[It can. Many small businesses opt for package policies that cover the major Property and Liability exposures as well as for a loss of income. A common package policy used by many small businesses is called the Business Owners Policy (BOP).
Generally, BOPs provide more complete coverage at a lower price than separate policies for each [...]]]></description>
		<wfw:commentRss>http://www.insurancetool.net/does-insurance-coverage-vary-for-different-businesses/feed/</wfw:commentRss>
		</item>
		<item>
		<title>I don&#8217;t have any major business assets. Why do I need insurance?</title>
		<link>http://www.insurancetool.net/i-dont-have-any-major-business-assets-why-do-i-need-insurance/</link>
		<comments>http://www.insurancetool.net/i-dont-have-any-major-business-assets-why-do-i-need-insurance/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:53:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Business Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=43</guid>
		<description><![CDATA[Every business has some property. When you think about it, your business is your property. Just like your home and your car, your business needs to be protected from loss, damage, and liability. In addition, your business is your source of income, so you need protection from the potential loss of that income.
]]></description>
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		<title>I&#8217;m just getting my business started. Do I need insurance immediately?</title>
		<link>http://www.insurancetool.net/im-just-getting-my-business-started-do-i-need-insurance-immediately/</link>
		<comments>http://www.insurancetool.net/im-just-getting-my-business-started-do-i-need-insurance-immediately/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:52:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Business Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=42</guid>
		<description><![CDATA[Yes. Your chance of suffering a loss begins with the first day of business. If you suffer a loss and have no insurance or have improper or insufficient coverage, your insurance agent can do little, if anything, to help you.
Also, many states and local jurisdictions require businesses to have insurance to begin operating. And if [...]]]></description>
		<wfw:commentRss>http://www.insurancetool.net/im-just-getting-my-business-started-do-i-need-insurance-immediately/feed/</wfw:commentRss>
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		<item>
		<title>How expensive is renters insurance?</title>
		<link>http://www.insurancetool.net/how-expensive-is-renters-insurance/</link>
		<comments>http://www.insurancetool.net/how-expensive-is-renters-insurance/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:50:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Renters Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=41</guid>
		<description><![CDATA[Renters insurance is typically available for as little as $100 a year.
Does my landlord&#8217;s insurance protect me?
Generally, no. The property owner&#8217;s insurance covers the building itself and seldom a tenant&#8217;s possessions or liability. Clarify this with your landlord before signing a lease.
]]></description>
		<wfw:commentRss>http://www.insurancetool.net/how-expensive-is-renters-insurance/feed/</wfw:commentRss>
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		<item>
		<title>Are there exclusions I should know about?</title>
		<link>http://www.insurancetool.net/are-there-exclusions-i-should-know-about/</link>
		<comments>http://www.insurancetool.net/are-there-exclusions-i-should-know-about/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:48:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=40</guid>
		<description><![CDATA[Exclusions listed and defined in your policy might include neglect, intentional loss, &#8220;earth movement,&#8221; general power failure, and even damage caused by war. If you fail to take care of your property (e.g., a leaky roof), you might not be covered. Obviously, if you intend to lose an object or damage your property, there&#8217;s no [...]]]></description>
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		<title>Are floods, earthquakes, and other natural disasters covered?</title>
		<link>http://www.insurancetool.net/are-floods-earthquakes-and-other-natural-disasters-covered/</link>
		<comments>http://www.insurancetool.net/are-floods-earthquakes-and-other-natural-disasters-covered/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:47:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=39</guid>
		<description><![CDATA[Most catastrophes are covered. Flood and earthquake damage, however, are not covered by a standard policy and both perils are more common than many people realize. We can advise you on such normally excluded conditions as floods and earthquakes.
]]></description>
		<wfw:commentRss>http://www.insurancetool.net/are-floods-earthquakes-and-other-natural-disasters-covered/feed/</wfw:commentRss>
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		<item>
		<title>What exactly does a Homeowners policy cover?</title>
		<link>http://www.insurancetool.net/what-exactly-does-a-homeowners-policy-cover/</link>
		<comments>http://www.insurancetool.net/what-exactly-does-a-homeowners-policy-cover/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 22:47:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancetool.net/?p=38</guid>
		<description><![CDATA[&#8220;Exact&#8221; coverage is impossible to define because there are different policies and about 900 insurance companies writing Property/Casualty business in the United States. However, 80% of Homeowners policies are based on a standard form. All Homeowners policies cover two important areas: Property and Liability.
Property insurance covers your structures and possessions. Personal Liability, as its name [...]]]></description>
		<wfw:commentRss>http://www.insurancetool.net/what-exactly-does-a-homeowners-policy-cover/feed/</wfw:commentRss>
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