Art itself is a powerful medium for many of us. Art is a way to put emotions, thoughts, ideas, stories, and legends into a physical format that other people can experience. Perhaps one of the most powerful forms of art lays in photography. Not only can photography capture moments, tell stories, and express emotions, it has several practical uses in everyday life. It can be the basis of advertising or even be a business itself. It also holds a lot of importance when it comes to insurance claims. It is a powerful tool that should not be forgotten or underestimated.

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Let’s channel our inner Bob Ross for a moment a paint a picture. You got rear-ended while stopped at an intersection. You exchanged information, contacted the insurance company, etc and so on. Now your car is in your driveway with a banged up back bumper and you have a couple hundred dollars worth of insurance money from your coverage to get it fixed. That money, however, could also be used to upgrade your television to a new 4K curved Samsung. After all, the bumper might be beaten up, but the car itself still runs just fine. Are you allowed to do this, or does the money have to go toward repairing your vehicle? What if the same thing happens to your home, can you spend the money then? Well, the answer to that question is a resounding maybe.

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When it comes to home insurance, there are multiple forms of protection that you can get. To get the full advantage of these benefits, however, you need to do a little bit of work. One thing that you have to do is know how much your stuff is worth. Not just your home, but the things inside of it. If something is stolen or destroyed, the insurance company needs to know how much that something cost to reimburse it. Of course, you can’t make these prices up, you need to make sure that you have the actual price for an item’s value. This can go up or down depending on time and condition. Over time things tend to lose value until they get old enough to become antiques, which can actually make their value go up due to rarity. Though being an antique doesn’t always guarantee rarity.

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What kind of home insurance do you have, and is it really the right coverage that you need? Surprisingly a lot of people don’t ask this question. Instead, they tend to ask if they can afford the insurance that they have. The problem with this question is that typically they will take any insurance that they can get. Even if the coverage is next to useless for them they will accept it because it gets them by. They don’t actually realize the problem with the insurance until the unexpected happens and they need the insurance that they didn’t get, instead of having to make do with the one they settled for. This usually ends up with them having to pay out of pocket along with what they get from the insurance.

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A house is different from a condominium, as is their insurance. Just like renters and homeowners, those who have their own condo unit want to be insured against financial loss due to potential dangers, such as fire, theft and lawsuits. Therefore, whether you live in a condominium of a house, you’ll likely require to insurance to protect you and your property from any kind if harm. However, it is important to note that condo insurance and home insurance are different.

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The American dream. Finding a job, finding a spouse and building a family. It’s something that most people dream of. One of the most important parts of this dream is owning a home. Having a place of your own is almost a symbol of success as an American. However, buying a home is a huge investment that has some downsides that need to be considered. The pros and cons of renting and buying a home have to be considered before taking the leap.

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One thing is for certain when it comes to life insurance, every family should have it. There is nothing like having the piece of mind knowing that your family will be taken care of, should something happen to you. Young families have more options when it comes to coverage. As you research life insurance, you will surely encounter an overwhelming amount of information. How do you know which direction to go? Let us put to rest some life insurance myths for young families and help you make a decision.

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Whether you’re looking to insure your home, boat, car or motorcycle, it’s difficult to find an insurance company you can trust. You want to find a team that will have your best interests at heart and will provide you with the coverage you truly need. Whether you’re looking for insurance in Daytona Beach, DeLand, Palm Coast, New Smyrna Beach or Ormond Beach, O’Quinn Insurance Services is the area’s go-to provider.

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Have you ever been involved in a crisis situation where you’ve had to leave your home quickly? If so, we’ll be that the first thing you rushed to grab were your family photos and important documents. Hopefully, you were able to collect all of your prized possessions and if you did, you’re lucky. Many people have had to watch their family’s history go up in flames or succumb to water damage. To keep this from happening to you, you’ll want to ensure the safety of family photos and documents by following these simple tips.

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