SPECIAL REPORT: How to Maximize Insurance Savings and Control

From auto and home to life insurance, see our guide highlighting important areas of your coverage. Created for {EMAIL} | [Web Version]( August 16, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Youtube]( [Instagram]( Kiplinger Today [SIGN UP]( ⋅ [SHARE]( [] Top Story [] [Cut Your Auto and Home Insurance Bills This Fall]( [Cut Your Auto and Home Insurance Bills This Fall]( (Getty Images) Consumers are facing significant increases in auto and homeowners insurance premiums, with rates rising over 20% for car insurance in the past year and over 38% since 2020. Factors contributing to these hikes include more crashes, expensive repairs, and increased lawsuits for auto insurance, while natural disasters and regulatory issues drive up homeowners insurance costs. To help mitigate rising costs, try [these simple yet effective tips](. [] Healthcare [] [Take a Mid-Year Review of Your Health Insurance Coverage]( [Take a Mid-Year Review of Your Health Insurance Coverage]( (Getty Images) Americans spend thousands of dollars yearly on health care, even with good insurance. However, there are ways to reduce spending on everything from elective procedures to prescription drugs. Start by reviewing [how much you have left to meet your deductible](. [How to Develop a Dividend Reinvestment Strategy]( Generate $2,000 a month in dividends with a private REIT, specializing in industrial properties. This fund offers a path to create passive income using dividends and compound interest. With 250k at 10% APY discover how to yield $2000/month to help you reach your financial goals. [READ MORE]( ADVERTISEMENT [] Savvy Saving [] [How Much Umbrella Insurance Do I Need?]( [How Much Umbrella Insurance Do I Need?]( (Getty Images) An umbrella insurance policy provides additional coverage beyond the limits of standard policies like car and homeowners insurance covering various situations. [Consider these important factors]( before deciding on the amount of coverage you need. [] Your Home [] [Six Surprising Things Home Insurance Doesn't Cover]( [Six Surprising Things Home Insurance Doesn't Cover]( (Getty Images) Many homeowners may be surprised that standard home insurance policies do not cover certain events. While these policies typically cover damage from natural disasters like fires and hurricanes, [they exclude other things most assume would be covered](. [] Life [] [The Different Types of Life Insurance]( Life insurance provides financial protection to your beneficiaries in exchange for regular premium payments. Which matches your needs better? [See Here]( [Prepare For Retirement Using a Dividend Growth Investment Strategy]( If you invested in an S&P 500 index fund starting in January 2000 until September 2020 your average annualized return would have been 4.2%, a cumulative return of 136%. But if you reinvested all dividend payments your annualized return would have been 6.2%, a cumulative return of 247%. Just reinvesting dividends would have nearly doubled your gains. [READ MORE]( ADVERTISEMENT [] Online Safety [] [Do You Need Cyber Insurance?]( Most don’t even know what exactly this type of insurance is or covers. Insurance executive Karl Susman lays the groundwork down to mitigate various cyber exposure issues such as identity theft, phishing attacks, and more. [Read More]( ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger Retirement Report]( and [Kiplinger Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Kiplinger]( [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](mailto:kiplingertoday@smartbrief.com) | [ADVERTISE]( [Future]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036