Archive for May, 2009
Low Cost Homeowners’ Insurance: Additional Sure Steps
Posted by Insurancedojo in General on May 31st, 2009
Do you want a very affordable rate for sufficient homeowners insurance coverage? Then don’t joke with the following time-tested tips…
1. Does your home have fire escapes? If your answer is “yes” then ensure that your agent knows about it as it should get you a small discount. Even with simple rope ladders for the upper rooms, you still could be eligible for a discount. Make sure you have a fire escape except you do not want to benefit from this discount. Ask your agent to find out what qualifies you for such a discount.
2. More often than not you may choose to do some kind of renovation on your home. Bringing down your rate might not even be part of your reasons. You need to make sure that your home is just the way you want it with everything working as it should
But isn’t it heart-warming to know that this will in addition attract a huge discount on your home insurance policy? So make sure your agent is informed about it.
Brand new houses and houses that have been renovated are lower risks to an insurance provider and so get you cheaper homeowners insurance quotes. But keep it at the back of your mind that the more extensive the renovation is, the more the savings you will attract.
3. Having your premium removed automatically from your account will get you cheaper rates. If you don’t know how to do this, ask your bank or agent. Apart from being more convenient, you will be given a discount for this.
4. A typical car garage has highly inflammable liquids. So your premiums will be cheaper if your garage is detached and at a safe distance from your residential structure. Find out from your agent by what level this will lower your rates.
Get your online home insurance quotes.
5. Bearing in mind that the sole reason for buying homeowners insurance is to ensure you’re properly covered from the risks associated with a home loss or damage, I’ll include this notwithstanding that it’s not normally added to a homeowners policy. You’d be expected to buy flood insurance at an additional 0 yearly if you get a home in a flood-prone location. Unless you’re paying for your home cash, just know that flood insurance will be expected by any mortgagor if your home is in a flood-prone place. Unless[/spin] you really think such extra spend is a good trade off, you’ll spend less if you buy a home in an area that won’t call for flood insurance
6. You could save some hundreds of dollars by simply obtaining and evaluating free homeowners insurance quotes from at least five quotes sites. And, it will take only a total of 25 minutes.
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Happy Hurricane Season!
Posted by Insurancedojo in General, car insurance on May 31st, 2009
Officially, hurricane season is from June 1 to November 30. But tell that to a storm with 75 MPH winds traveling towards your home in May. Just today the first tropical depression of the season formed in the Atlantic. It is time to get prepared for hurricanes, so this week is Hurricane Preparedness Week.
The National Hurricane Center has designated this week to remind people in hurricane prone areas to get prepared for possible hurricanes. Here are some safety and preparedness tips:
Family Hurricane Plan
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Know your home’s vulnerability to storm surge, flooding and wind.
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Locate a safe room in your home for each hurricane hazard (storm surge, flooding, wind etc.).
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Determine escape routes from your home and places to meet.
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Have an out-of-state contact person, so your family members have a single point of contact.
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Make a plan now for what to do with your pets if you need to evacuate.
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Post emergency numbers by your phones and make sure your children know how and when to call 911.
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Check your hurricane insurance coverage.
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Make a disaster supply kit, and stock non-perishable emergency supplies.
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Use a NOAA weather radio. Remember to replace the battery every 6 months, just like smoke detectors.
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Take First Aid, CPR and disaster preparedness classes.
Hurricane Watch
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Check your Disaster Supply Kit–See if there’s anything you need to add to your kit. Replenish your water.
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Activate your Family Hurricane Plan–Protective measures should be started, especially those that require extra time (securing a boat or leaving a barrier island, for example).
Hurricane Warning
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Ready your Disaster Supply Kit for use–If you need to evacuate, bring your kit with you.
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Use your Family Hurricane Plan–Your family should be in the process of completing protective actions and deciding the safest location to be during the storm.
No one wants to think of a hurricane destroying their home. But if you have homeowners insurance, then you’re already protected–hurricane insurance coverage is standard in most home insurance policies.
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Until Death Do Us Part
Posted by Insurancedojo in General, car insurance on May 31st, 2009
In case you haven’t kept up on my latest blogs, this past weekend was my wedding. It was a perfect day for an outdoor wedding. Although, being outside did bring some unexpected perils that got me thinking about the need for life insurance.
So our wedding was at a winery up here in Northern California. When I arrived there, on time, I was casually dressed in shorts and a tank top. Before I got into my tux, I was talking to my best man and a couple of friends of mine when I felt something sting my shoulder. I thought it was a bee sting until it really started to hurt.
I asked my best man if he would look to see if I had gotten stung and if maybe the bee’s stinger was still in my shoulder. Upon closer inspection, he informed me that I was actually bleeding from a rather noticeable bump on my shoulder. After cleaning it up, he informed me that there were actually two distinctive puncture wounds that looked like fang marks on the bump on my shoulder.
Word soon got to the wedding party, including my future wife who was almost ready to call 911, about my mysterious bite when the jokes soon started. “Hope you have good life insurance policy, Matt,” my best man said. “I guess Jackie gets the apartment now,” echoed my soon to be brother-in-law. But then it hit me, I need to get life insurance.
Now that I am married and getting used to the ring on my finger, I have been talking to my wife about how much life insurance I should get. As of now, I am the primary source of income for our household. If the spider had gone for my jugular instead of my shoulder, Jackie would have a real hard time making ends meet. We all know that life insurance is meant to financially protect our loved ones in the event of our passing.
I obviously survived the wedding and my mysterious attack. But I am looking into getting a term life insurance policy to replace my income should I get attacked again.
Deciding on a Level of Car Insurance Coverage
Posted by Evelyn LeGrand in car insurance on May 31st, 2009
One of the most necessary — and required — aspects to owning a car is having car insurance to cover you, your vehicle and in some cases, the other driver should you find yourself in the unfavorable position of being in an accident. Like most insurance, car insurance can be confusing and difficult to understand… especially if you have an insurance agent whose primary focus is selling, selling, selling rather than providing you with the service and coverage you need. And that leads us to another question, how much car insurance do you actually need? And, how much is it going to cost you?
You definitely want to sit down with an insurance agent in order to determine the right amount of coverage necessary for your vehicle since every state has different laws that apply to what is required when it comes to insurance coverage. However, you can receive a car insurance quote — either online or by phone — in order to find out the approximate monthly out of pocket cost that is going to apply to you.
It is important, from a basic business point of view, for you to do your homework where the cost of insurance is concerned. This will prevent any unscrupulous insurance agent from taking advantage of you by charging you too much for whatever insurance coverage it is you need. Too, by searching for car insurance quotes, it may also be possible for you to find an insurance company that is reputable, but has much lower prices than their competition. This is probably one of the main reasons people request car insurance quotes in the first place. Once you have narrowed down your search to two or three insurance companies, you can schedule an appointment with each of them in order to determine what type of coverage is required in the state in which you live.
If you are just searching for the minimum coverage you can purchase, you will certainly need to find out exactly what that minimum will not cover in the event of an accident. Fortunately, the minimum required car insurance that is required in one state is often similar to that of other states, though specifics — such as dollar amounts — may be higher or lower. Typically, all states require bodily injury and property damage coverage, but some also require you to carry uninsured (or under-insured) motorist coverage as well.
When you are seeking your car insurance quotes, it might be beneficial for you to include this coverage as well, especially if you plan on traveling to a state that requires it. Once you have scheduled your appointments, prepare a list of questions and you will be able to choose your insurance agent, and the coverage you need, with confidence.
Car Accident Settlement – Your Legal Rights
Posted by Bart Icles in car insurance on May 31st, 2009
Countless people suffer injuries from car accidents every day, and some even die as a result of this. Vehicular accidents are often caused by drunk driving, unsafe road and car safety practices, vehicle malfunction due to poor maintenance, hot tempers, and speeding. Even the most harmless of collisions of slow impact type fender benders can result in some severe physical injuries. Barring getting injured in a car accident, the vehicles of all involved parties will still be damaged to a certain degree and will need fixing. At this point on, you will be needing a good and experienced attorney specializing in car accident settlement cases.
Car accident lawyers are special litigators who are exclusively dedicated to handling cases regarding all car accident settlements. With legal representation, you can resolve your problem a lot sooner and easier, with the chance of getting a good settlement deal to address the legalities of claims and settlements from car accident settlement cases. These lawyers are not as costly as you may think, and once their services are acquired will only need to be paid once your case is resolved. Most will even give you free consultations regarding the merits of your case. before you actually decide on hiring them.
Many car accident victims who do not have legal representation are in for a surprise of their lives once the insurance companies of the offending party comes into the picture and decide to play hard ball with them. Knowing that you are in the dark regarding the legal procedures of car accident settlement cases, they will be incredible difficult to work with giving as little cooperation on their part, to the point of frustrating you at every turn until you”ll just give up in pursuing your case against them. Insurance companies are in the business of making money, and paying the full amount of car accident claims are not good for their business, and so will do everything in their power to making your case as difficult as possible.
Now, on the other hand, if you have legal representation, these wayward insurance companies will have no more excuses to throw at you, and will be forced to cooperate fully and give you what you are rightfully entitled to. Your lawyer will map out every bit of possible legal scenario to get you all the insurance coverage you’re entitled after the accident. They have all the legal know-how and savvy to face what underhanded tactics these insurance companies and their representatives dish out to unsuspecting and innocent car accident victims.
With an experienced car accident lawyer, you’ll not only get what you’re rightfully entitled under the law, and you’ll also sleep better at nights.
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