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FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [14]
2007-06-13 08:27:00 Your Homeowner?s Insurance Policy ? Dissected: Part 4 of 5 By Krista Farmer If your homeowner?s insurance policy has been stuck in a drawer, cabinet or just tucked mindlessly away somewhere, it is probably about time to pull it out, shake off the dust and make sure it?s still up-to-date. This article is the fourth in a series of five articles that will help you decipher your homeowner?s insurance policy. The rooster is crowing (or the cars are honking, depending on where you live), the coffee pot isn?t working and the kids need to be shuttled off to school. You barely have time to run a brush through your hair, much less worry about your homeowner?s insurance. While keeping your homeowner?s insurance updated is a dismal task, it is of utmost importance. As discussed in a previous article, not only is it important to purchase homeowner?s insurance, it is just as important to know what that policy covers. Homeowner?s insurance policies contain several different coverage ... More About: Information , Series , Free , Quotes
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [13]
2007-05-30 04:58:00 Your Homeowner?s Insurance Policy ? Dissected: Part 3 of 5 By Krista Farmer If your homeowner?s insurance policy has been stuck in a drawer, cabinet or just tucked mindlessly away somewhere, it is probably about time to pull it out, shake off the dust and make sure it?s still up-to-date. This article is the third in a series of five articles that will help you decipher your homeowner?s insurance policy. The laundry is piling up again, you really want to find out what?s happening between McDreamy and Dr. Grey and now that the kids are in bed, you just want to sip on some chamomile tea and forget about everything else. The last thing on your mind is your homeowner?s insurance. While keeping your homeowner?s insurance updated is a dismal task, it is of utmost importance. As discussed in a previous article, not only is it important to purchase homeowner?s insurance, it is just as important to know what that policy covers. Homeowner?s insurance policies contain several diff... More About: Information , Series , Free , Quotes
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [12]
2007-05-18 19:56:00 Your Homeowner?s Insurance Policy ? Dissected: Part 2 of 5 By Krista Farmer If your homeowner?s insurance policy has been stuck in a drawer, cabinet or just tucked mindlessly away somewhere, it is probably about time to pull it out, shake off the dust and make sure it?s still up-to-date. This article is the second in a series of five articles that will help you decipher your homeowner?s insurance policy. You?ve cleaned the house, mended the fence, fed Fido and shipped the kids off to soccer practice, but don?t get too comfortable yet. Have you looked at your homeowner?s insurance policy lately? It needs your attention. While keeping your homeowner?s insurance updated is a dismal task, it is of utmost importance. As discussed in a previous article, not only is it important to purchase homeowner?s insurance, it is just as important to know what that policy covers. Homeowner?s insurance policies contain several different coverage areas. The topic of the previous ... More About: Information , Series , Free , Quotes
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [11]
2007-05-18 19:07:00 Your Homeowner?s Insurance Policy ? Dissected: Part 1 of 5 By Krista Farmer If your homeowner?s insurance policy has been stuck in a drawer, cabinet or just tucked mindlessly away somewhere, it is probably about time to pull it out, shake off the dust and make sure it?s still up-to-date. This article is the first in a series of five articles that will help you decipher your homeowner?s insurance policy. Who has time to labor through deciphering an insurance policy when the house needs cleaning, the fence needs mending, Fido needs a feeding and the kids need to be driven to soccer practice? Let?s face it. At the end of the day, the only thing a person wants to read is the newspaper or a good book. Reading one?s insurance policy is surely the last thing on the list of ?hot reads.? While keeping your homeowner?s insurance updated is a dismal task, it is of utmost importance. As discussed in a previous article, not only is it important to purchase homeowner?s in... More About: Information , Series , Free , Quotes
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [10]
2007-03-09 19:12:00 HOMEOWNER?S INSURANCE ? KEEPING TRACK OF YOUR GOODS Home owner?s insurance is an invaluable investment for every homeowner. If your house went up in flames and you lost everything, would you be able to recall everything you owned, including the items? values? If you came home from work to find someone burglarized your home, would you be able to account for everything that had been taken or destroyed? While some items are priceless and/or likely have sentimental value, memories unfortunately are not sufficient for filing a homeowner?s insurance claim in the wake of a disaster. In times of distress, you shouldn?t have to worry about whether your possessions are covered or not. If you purchase homeowner?s insurance, it is important to know what your policy covers. Not sure what?s in your homeowner?s policy? That topic will be covered in a future article. Your homeowner?s insurance, ideally, will replace the cost of what you lose in a disaster. More importantly, however, is the fac... More About: Information , Insurance , Series , Free
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [9]
2007-03-04 20:43:04 TIPS FOR BUYING A NEW HOMEA couple recently purchased a new home in Tennessee. Here are some helpful hints [now presented for your benefit] they picked up along the way.Buying a new home can be a daunting task, even for someone who has owned several homes. If you recently purchased your first home, you probably found that is hard to find good advice that is truly useful. You had to learn a lot on our own, but at least now you probably feel comfortable and knowledgeable about the whole process.1. Use all of the online resources available.Almost every state and local government has a website where you can research real estate information. The data on home sales, taxes, and neighborhoods is invaluable when you are shopping for a home. We were able to find out the most recent sale prices in the neighborhood we selected, and we didn't have to rely on a real estate agent to get the data for us. Doing the research yourself will make you more knowledgeable about the market, which is key t... More About: Information , Insurance , Series , Home , Free
Changing Auto Insurance Companies May be Easier Than you Think!
2007-02-14 20:35:02 There are many reasons why you may choose to change your autoinsurance coverage to another company. Perhaps you?ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you?re unhappy with theservice that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!Why change to a new Auto insurance carrier?You need to regularly review your auto insurance coverage to makesure that you are receiving the best insurance value for your money.You will discover that it pays to shop around. In some states,premiums for identical policies vary widely among different autoinsurance companies. The reasons for this price variation can be verycomplicated, but they boil down to a company's claims experience with policyholders in a coverage group (e.g. people of similar age, number... More About: Companies , Insurance , Comp , Auto Insurance
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [2]
2007-02-14 20:35:02 SHOP AROUND AND SAVE ON HOMEOWNERS INSURANCE!What do you like the most about your home - the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms?Or is it the fact that your home probably makes up maybe the biggest part - of your total net worth?Either way, you have to protect what you have, using homeowners insurance.Although there were reports a few years ago of higher prices and limited availability for homeowners insurance, the market has opened up again, according to J. Robert Hunter, insurance director for the Consumer Federation of America. Premiums are expected to rise by no more than the inflation rate this year, he said."The market remains a competitive one where homeowners insurance shoppers can be selective," said Marshall McKnight, a spokesman for the state Department of Banking and Insurance .Here are several ways to save on home insurance:Shop around. While many homeowners believe that all insurance companies charge the same, that's an expensi... More About: Information , Series , Home , Free
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [1]
2007-02-14 20:35:02 WHAT IS HOMEOWNERS INSURANCE?Home Owners Insurance Home owners insurance policies are designed to protect your house and personal property against losses from the perils listed in your policy.Home owners insurance rates vary widely based on your geographic location. Areas prone to hurricanes, floods, hail, earthquakes, fires and other natural disasters will generally have higher rates. Even the distance to the nearest fire department or fire hydrant can have an impact on your home owners insurance rates.Knowing Your Policy Is VERY ImportantCoverage for Property and PossessionsLiability CoverageTheft Off PremisesAdditional Living ExpensesWhat Can a Homeowner Do To Be Prepared?What Can a Homeowner Do To Save Money?Coverage for Property and PossessionsDamage to the dwelling and the contents could be the biggest unexpected disaster awaiting a homeowner who has less coverage than needed. Most policies provide a stated maximum amount of coverage for the dwelling and another amount for cont... More About: Information , Series , Free
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [3]
2007-02-14 20:35:02 FACTORS THAT INFLUENCE YOUR HOME INSURANCE COST [ 1 ]Here are some factors to consider when purchasing home insurance. All of these factors can and will have an influence on the price you pay for home insurance.The Condition of the Home Insurers factor in general wear and tear on your home when setting a premium. They will inspect such things as the condition of the roof, porches, decks, and the integrity of the home's wiring system. Because new homes tend to be in better condition than older homes, some insurers will offer up to a 15 percent discount if your home is new. The Construction of the Home Certain types of homes are less expensive to insure because they are more resistant to damage. For example, a brick home is preferable because of its resistance to wind damage.Safety FactorsMany insurers also offer discounts of approximately 5 percent for safety features such as burglar alarm systems, deadbolts, window locks, smoke detectors, and sprinkler systems. You may also receive... More About: Information , Insurance , Series , Free
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [4]
2007-02-14 20:35:02 FACTORS THAT INFLUENCE YOUR HOME INSURANCE COST [ 2 ]Is the Home in a High Risk AreaFlood and earthquake damage is not covered by standard home insurance policies. Special supplemental catastrophic policies that cover these conditions are available, but can be quite costly. If you are currently covered against these catastrophes through a government plan, however, research coverage through a private insurer. It may actually be lower. Type and Amount of Home Insurance Coverage Needed Homeowner's insurance typically covers damage or loss to your home and its contents, but some packages also provide other benefits such as personal liability coverage if someone is injured on your property or theft insurance. Read the fine print. Prices and coverage can vary significantly between packages that appear similar. Make sure you get what you need and use what you get. Your Desired Deductible The deductible is the amount that you the policyholder must pay before your insurance company starts p... More About: Information , Series , Free
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [5]
2007-02-14 20:35:02 THE TOP TEN THINGS YOU NEED TO KNOW ABOUT HOMEOWNERS INSURANCE [ 1 ] Why should you wait until after a disaster to discover your homeowners insurance doesn't really have you covered? Here are ten important things to do so you can have peace of mind -- and full protection -- right now:1. Buy the right insurance for you. "You should know what you have, and you should know ahead of time that you are covered," says Jeanne Salvatore, vice president for consumer affairs with the Insurance Information Institute, a nonprofit industry trade group. She recommends looking at your insurance coverage in four key areas: the structure of your house, your belongings, your liability to others and your living expenses if you're forced out. "If there's a disaster, you want to be able to rebuild your house and replace everything in it. And you need enough liability coverage to protect you in case you do get sued." Living expenses would cover the cost of making the house livable or living elsewhere w... More About: Series , Home , Free
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [6]
2007-02-14 20:35:02 THE TOP TEN THINGS YOU NEED TO KNOW ABOUT HOMEOWNERS INSURANCE [ 2 ]6. Keep pace with inflation. This is especially important with a homeowners insurance policy. It may have cost you $100,000 to build your home 10 years ago, but it might cost $120,000 to replace it today. "Many insurance companies have inflation guard, which covers the increasing cost of rebuilding," Salvatore says. When your policy comes up for renewal, talk to your agent to verify that your coverage amounts are still realistic. And when you make an improvement, add it to the total.7. If you own a condo or co-op, protect your property. Make sure that the condo board or association has a policy that covers the common areas, and get a copy. Also look at the association bylaws to find out what portions of the home you must cover. "It's usually from the drywall in," Griffin says.Since condo owners need their contents policy to cover things like cabinets and fixtures, they need a bit more insurance than the typical ren... More About: Information , Insurance , Series , Home , Free
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [7]
2007-02-14 20:35:02 HOME INSURANCE TIPS Getting quality insurance is a good first step towards protecting your home. But ultimately, the best protection is prevention. There are steps that you can take to help you avoid ever having to make a home insurance claim - the following home insurance tips can get you started.1. Safeguard your homeTake action to make your home theft-resistant. "Case" your home as if you were a burglar.Burglars look for easy targets - make sure your home isn't one of them.Install exterior lights that are out of reach and triggered by motion. Trim trees and shrubs near doors and windows. Don't hide house keys outside - burglars know where to look. Consider investing in a security system. Not only does this make your home safer, it can lower your home insurance premiums. When you're on vacation:Have mail and newspapers picked up. Leave blinds in normal positions.Arrange to have your lawn mowed or your driveway shoveled. Tell police and neighbors that you will be away and ask... More About: Information , Insurance , Series , Home , Free
FREE HOMEOWNERS INSURANCE QUOTES INFORMATION SERIES [8]
2007-02-14 20:35:02 8 WAYS TO KEEP YOUR HOME INSURANCE COSTS LOWAll homeowners are looking for ways to reduce our home insurance costs. Costs continue to rise and budgets get tighter and tighter with each passing year. Here are 8 tips to reduce your home insurance costs.1. Increased Home SecurityMost homes are fitted with some sort of security device. To make the most of your Home Security Discount make sure that you home is fitted with: dead bolt locks, smoke detectors, fire extinguishers and a burglar and fire alarm that are monitored. You do not have to have all of these to receive a discount on your home insurance so even if you only have one or two make sure that you ask for the savings.2. Keep your credit score as high as possible.While it would seem that a good credit score would have nothing to do with insurance rates, it is a fact that they do. Home Insurance companies are using your credit score as an indicator of responsibility. The theory is the more responsible the individual the less cl... More About: Information , Series , Free |
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