Archive for the ‘Home Insurance’ Category

Easy 2nd Income String For Realtors and Mortgage Reps

Friday, February 19th, 2010

Are you looking for a way to earn extra revenue while helping your clients and doing no extra work? Let me explain this very simple and exciting new program designed for Realtors to earn extra money.

We have designed a program that doesn’t cost you anything to take part, and once set up it works on auto pilot. You will be able to earn money and help your clients at the same time. This is a win-win every way you look at it.

Every Realtor knows that homeowners insurance is needed on every home purchase that has a mortgage. This is something that either the Realtor or the Mortgage rep has a conversation about with the client.

To read more or sign up for free go to:
http://www.quotematcher.com/affiliates/realtor.asp

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Today’s Insurance Safety Tips – Cold Weather

Thursday, January 21st, 2010

It’s that time of the year again.  The chill creeps into you bones.  They also creep into the bones of you home and car.  Make sure to take some preventive measure to make sure you home and vehicle are in tip top shape.

You Home.  Make sure to turn off all water going to outside faucets as they may burst due to the cold.   If you have any pipes in outside soffits that you can get to make sure they are insulated.  Make sure outside gutters are clean.  In winter run off water can collect and freeze and if gutters are clogged it may cause water damage to roof and beams adjacent to the gutters and downspouts.

Car Maintenance.  Make sure your tire pressure is set correctly.  This helps with tire traction during cold weather.  Change your windshield washer fluid to a de-icer fluid during the winter.  This way it won’t freeze and you can use it to clear morning frost from your windshield.  Do a radiator flush changing your antifreeze this will help your car run better in cold weather.  Other things to consider is to keep a warm blank and some packaged food/snacks in the car in case you break down and need to stay the night.

As always if you are looking to save money on your insurance.  Take a look at Auto Insurance Quotes and Homeowners Insurance Quotes to compare rates from multiple companies by completing one simply form.

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Homeowners Insurance – How Much Do You Need?

Sunday, January 3rd, 2010

homeownerspicYour home is probably the biggest investment you’ll ever make, it makes sense to take measures to protect that valuable investment. The best way to safeguard your home investment is through homeowner’s insurance.

Don’t settle for just any homeowners insurance policy. Your home and your homes contents are unique and the amount of insurance you need depends on this and your personal requirements. But how much insurance is enough?

Here are a couple of ways for you to determine how much home owners insurance coverage is right for you:

Market value may not be enough

While it might be tempting to buy just enough homeowner’s insurance to cover the resale value of your home, this may be too low.

Your home’s market value may be very different than what is known as its “replacement cost.” The replacement cost of your home is the amount of money you would need to rebuild your home to its previous condition if a total loss were to occur.

In today’s real estate market property values are falling throughout the country.  Due to this it is more important to protect you home for what it will cost to rebuild your home.

Calculate the replacement cost

Your homeowner’s insurance company can calculate how much it will cost to rebuild your home based on the following:

  • Square footage of your home
  • Type and quality of your home’s construction
  • Any updates, special features or add-ons to your home
  • Quality and cost of materials used in your home

Personal liability coverage

Modern homeowner’s insurance policies also include personal liability and medical expense coverage.    There is usually a preset dollar amount of coverage for these two items so; you might want to consider purchasing a separate personal umbrella liability policy, which can offer additional protection.

An umbrella policy offers a higher level of liability coverage and ensures that you and your family’s assets will be protected if someone sues you for damages. Umbrella policies typically pay up to a predetermined limit, which is usually purchase in increments of $1 million.

Protect your valuables

If you have valuable jewelry, artwork or collectibles, you may want to opt for even more homeowner’s insurance coverage for additional protection. You may assume your valuables are fully covered by your homeowner’s insurance, but that’s not always the case.  To be safer it may be wise to schedule these items separately for there estimated worth

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Home Owner Insurance Need To Know Information

Monday, November 23rd, 2009

Home Owner Insurance 101

There are a few simple items you need to pay attention to when getting Homeowners Insurance Quotes.  Let take a look.

1. Your Deductible: What amount are you willing to pay if you file a claim before repairs or the claim is satisfied.  Unlike auto insurance most homeowner insurance claims could be avoided with proper maintenance and the chances of having a home owner insurance claim is much lower than an auto insurance claim. Therefore, Homeowner insurance deductibles should be around $1000 this will give you the best price break on your insurance without putting you out of pocket to bad if something should happen.

2. Coverage Amount:  Make sure to insure your home to the amount it will take to rebuild or at least 80% of this amount.  This way you will qualify for replacement cost value on all your property this eliminates the cost of depression for you.

3. Understand Limits:   To get the most out of your homeowners insurance policy you need to understand your policy limits.  For example know how much coverage you have for theft or computers or electronics.  There are many specific coverage’s inside your homeowners insurance policy and even though your overall policy is covered up to a predetermined amount specific coverage’s may lower the amount of coverage for specific events or items during a claim.

By understanding these three basic concepts of a homeowners insurance policy you will be able to purchase a policy that best fits your needs.  Remember to always have a list of questions on hand when talking to your insurance agent to make sure you don’t miss anything and see the difference between coverage and cost among companies.

Click This Link Free Insurance Quotes to Compare Insurance Quotes Today

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Homeowners Insurance and Structural Damage Due To Pests

Tuesday, November 10th, 2009

Home Owners insurance provides protection to your home in case of loss due to perils except those specifically excluded in the homeowner’s insurance policy. Huh, okay let me explain, a home owners insurance policy will list what causes of damage will be cover under the policy terms. For example fire is a peril that is covered under your homeowners insurance. There are many perils that are covered under current home owners insurance policies; windstorm, vandalism, smoke damage and theft just to name a few.

There are two major situations that may occur that can cause extreme damage to you home that will not be covered under your homeowner’s insurance policy. They are flood and structural damage to your home due to pest. Both come with there own solution, which are very different from one another. To protect your home against flood damage all you need to do is purchase a separate policy that protects against flood. There is no such policy you can purchase from an insurance company to protect you against damage due to pests.

The two most common culprits of structural damage from pest to homes are termites and carpenter ants. Both literally eat your home. They will start with your seal board that separates the foundation of your home and the main structure. Once they start eating that they will proceed to eat the interior walls of your home. This can cause your home to collapse if not rectified in a timely manner.

The best solution to help protect against structural damage due to pests is to regularly monitor the framework of your home and check for signs of infestation. This is easily noticeable if beams in your basement or crawl space are viewable. You will notice what looks like tracks in the wood. If you press a pencil against the wood, the wood will seem like a putty. If you are unsure the best solution is to receive a free pest control inspection from a local extermination company. In the spring you may also notice swarms of termites that are flying around.

The reason insurance companies don’t protect against structural damage due to pest is because the damage isn’t caused from a single catastrophic event such as a fire or windstorm. There view is that pest damage is a sign of neglect on the homeowner over a long period of time.

To be safe and to protect your home from all disasters make sure to compare homeowners insurance quotes and coverage and also get pest control estimates from local exterminators.

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QuoteMatcher.com Offers Competitive Price Quotes for Personal Insurance Needs

Monday, November 9th, 2009

Nov 09, 2009 – Marlton, NJ. Just a few short years ago in July of 2006, Quote Matcher LLC launched a website to help potentially millions of Americans get the best prices for their multiple insurance needs. By the time this press release hits the web, more than 3000 people will have already found the best possible personal insurance quotes from using http://www.quotematcher.com/insurance.asp.

Besides helping people get the best rates for their insurance needs, Quote Matcher wants to share specific knowledge of auto insurance quotes and relevant information to its users. By visiting the “Auto Insurance Articles” link on the website, viewers can get the latest information on auto insurance quotes written by licensed insurance agents. Read on how to get the ideal coverage for competitive costs and learn how you can have reasonably priced auto insurance that protects your needs as a driver. Users are also able to check out their state’s specific coverage requirements for auto insurance. The site has made it easy to find exactly what people need for auto insurance in their respected area. There is no need to wonder if you’re getting the right amount of coverage in your state because QuoteMatcher.com has made it all available to you with the click of a mouse.

Quote Matcher LLC wants users to get the best in auto insurance comparisons. Working with big name insurance carriers, there will be price options for every budget in less time than if you were to search these companies individually. It’s a one-stop shop for free insurance quotes without the hassle. There are no strings attached, just quick and easy results for the best auto insurance quotes in your area. When users fill out the easy to navigate information page, all the information sought after will be presented in a timely manner. QuoteMatcher.com isn’t just the best place to get free comparison quotes on auto insurance, you’ll also be able to find homeowners, life, health and disability insurance from reputable carriers by filling out one simple form. Quote Matcher wants you to save both time and money when shopping around for personal insurance quotes. Visit us at www.quotematcher.com and see why thousands of Americans have already flocked to the site to meet their needs for auto insurance quotes.

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The Boring Truth About Insurance

Monday, October 19th, 2009

We all need it but don’t want to have to use. This is like the worst gamble in the world. I’ll pay you today for some tragic event that may happen to me in the future. If it don’t need to use it whew I’m lucky I only had to spend a couple thousand a year to be sure. The Necessary Evil is what I call it.

Personally, I would buy insurance even if it wasn’t required by law(auto insurance), but I hate it. How I feel is I would rather pay a couple thousand a year for auto insurance just incase something does go bad. Who knows what may happen and the costs that may arise if I don’t have it. God forbid if I caused an accident and someone got severely hurt. I would feel so bad not just because I injured the person but also because I wouldn’t be able to pay for them to get help and recover. Then the financial burden that would fall over me and my family for ever.

Home insurance is required by my mortgage company to insure their investment, I get that part. I purchase it mostly for that fact but also just incase we have a house fire or something tragic happen. I couldn’t afford to pay a 30 year mortgage for a burnt down house plus pay to live somewhere else. It’s just the way it is.

Health insurance is a different creature all by itself. Luckily we receive health insurance through my wife’s company. If we didn’t I’m not sure we could afford it. We would probably just get a policy for our kids and my wife and I would hope we didn’t become too ill. This is one of those bad bets to. This is the one we should buy most of all but it is the most expensive and that is why so many people struggle with it. We all know at some time over the next year or two someone in the family will become sick and we will need to use health insurance coverage or have a hefty bill to pay otherwise. Currently my daughter is sick with a normal autumn cold, I accidentally dropped her medicine and the bottle broke on my counter. We placed a new prescription through the pharmacy. I went to pick it up and it cost $98 for the antibiotic, the pharmacist said the insurance company would not cover a refill. I had to tell them no thank you as at the time I couldn’t afford it. Luckily our pediatrician was able to prescribe a new antibiotic the same day that only cost $15 due to our health coverage. It is amazing how much medicine costs. Never mind if you need to get it in a hospital. One Aspirin can cost as much as $10 in the hospital. Hopefully, our trusted politicians will come up with a solution to this problem.

Life insurance is a totally different situation. The is the worst bet you could place of all. You are betting that you are going to die. This is the one bet I would rather lose, but I buy life insurance for a different reason. You the know the reason. It’s because I love my family. I don’t want them to struggle if I am gone. I couldn’t image what they would go through if I were gone and then not having enough money to afford staying in our home and living the life I wanted them to have.

Well there it was the Boring Truth About Insurance from my point of view.

Click this link FREE INSURANCE QUOTES to compare all types of insurance quotes from local agents and national companies.

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Measures To Help Purchase A New Home Insurance Policy

Friday, October 9th, 2009

You can get better rates on home insurance now by visiting at least five quotes sites. Each quotes site will take you about 5 minutes or less to receive quotes.Now that you’ve decided you need homeowners insurance, or maybe you’re looking for a new policy, it’s time to consider an insurance provider.

After a new house and then have an insurance policy satisfaction is an important thing to do in life a person. To achieve a good insurance policy to meet the most money and also the best case, a person must have the need to find citations for the home insurance on the internet in a really good and website, in which a person can blindly trust. Should be sought that are able to obtain insurance quotes for home insurance for free and without any loss of money and valuable time.

Many number of times a person has enough money to spend, generally want to buy new equipment that can be used inside the house of that person, and not proceed to buy a insurance policy for her, which would make it a point to ensure that your house would be completely safe after purchasing the insurance. This person generally believe that the insurance policy are not as important as major appliances must be used inside.

Basically, a house still needs a lot of attention is given to her and also that the needs of security available to make the maximum satisfaction of the person living in that particular house. Each individual should pay more attention to your home while buying an insurance policy for other things too, like a car, health, etc.

After securing the house, a person may feel they have earned the highest safety, even if a natural disaster. Therefore, optimal security is really important in the life of a person to achieve maximum satisfaction in life.

A person must visit a number of websites on the net and things to find websites in a insurance company that is able to provide for the appointment of a large number of insurance companies if the person may be able to compare prices and get the best rates available on the market and should be filled up. Almost all of thousands of websites are in things that provide insurance quotes without asking any price, which helps customers in the draining of the assurance process.

Shop around for the right plan — don’t just look at the companies you know best. Some insurance companies sell through their own agents or through independent agents, while others sell directly to customers on the Internet or over the phone, so there are many different places for you to look.Once you have your policy, your work isn’t over. You should continue to keep an eye on your house and your policy. Maintain your home, and make any necessary, minor repairs. And, if possible, review your policy every year, and continue to update the inventory of your house, reappraising valuable items. Some insurers allow for an inflation guard policy, which, when you renew your policy, automatically adjusts your coverage to account for inflation.

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Tenant Insurance Guide – Affordable Insurance Protection For Tenants Or Renters

Friday, October 2nd, 2009

Apartment insurance; mostly called apartment renters insurance by people. Tenants enjoy protection on their valuable home items using this insurance coverage.

It is true that many tenants make the mistake of believing that all damages are protected by the landlord?s insurance. It is important that you know that your landlord?s insurance will only protect damage done to the structure of the building. Tenant should therefore search and get the right renters insurance protection to cover their valuable possessions.

What Is Covered In Renters Insurance?

Tenants insurance provides coverage against these accidents:

? Fire breaks and bad fumes
? House content theft and destruction
? Destruction caused by water and flood
? Damage by wind, lightning and windstorm

Your renters cover policy will pay for damage to home valuables like:

? Personal Computers, TV sets and other home electronics
? Furnishing items
? Clothes in the home
? Your priced items
? Your electrical appliances and household wares.

Also added to the protection on your personal belongings, renter?s policies also takes care of your liability in the event that someone got injured in your home and decides to sue you. Also, most tenants? policies take care of your living expenses if you have to temporarily relocate from your home because of a disaster.

What you pay for renters insurance will gladden your heart. It is a joyous realization when renter discover that their insurance rates are very affordable.

Understanding the fact that renters insurance only pays for damage to your home contents and not the building, tenants end up paying as low as $160 every year.

Do you need quality and complete protection as a tenant? Let us connect you with trusted agents on our network. This will make it easier for you to compare various plans and their rates so you can select your ideal tenants’ insurance plan.

Where To Get and Compare Free Quotes For Renters From Leading Home Insurance Companies Nationwide?

Click Here: affordable home tenants insurance / cheap home tenants insurance

by Iyke Phelim

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Inexpensive California Home Owner Insurance Quote — I Hope You Didn’t Ignore The Following Instructions

Friday, October 2nd, 2009

How far have you gone in ensuring you attract very affordable California homeowner insurance rates? Have you limited yourself to one or two instructions that you got some years ago? Won’t you like to get more instructions since that will transform to more massive savings? Then see if you’ve applied these tips…

1. Do you have a fire extinguisher or fire extinguishers in your home (depending on the number of fire sources you have in your home)? Your kitchen is one important place to have one or more functioning fire extinguishers. It’s crucial that the fire extinguisher be sufficient for the place it is supposed to protect.

Position them within easy reach and ensure they are in good working condition. This may seem insignificant but you’ll get higher rates if you don’t keep them in your home.

2. You will receive lower premiums if you maintain your home regularly. Check for things like dead tree limbs on your property. They are capable of raising a liability issue. Such on-the-spot maintenance will take little from you but result in appreciable savings over time.

3. Do not insure your house along with the land it is built on as this is more expensive and very unnecessary. People who ignorantly do this pay for more insurance than would be of any benefit. Insuring your home for the full price you bought it without subtracting the land’s worth is an expensive mistake.

For folks who have mistakenly done this, meet with your agent and go through your California Homeowner Insurance again. Subtract the value of your land and use only the value of your house and its contents.

This means you will pay a lot less on home insurance. Do not ever forget that insuring the land your house is constructed on is real waste of resources because it does give you any added benefit.

4. A swimming pool is certainly one vital feature that makes it a dream home. But do you realize that it increases your premium considerably especially if you don’t take adequate safety measures?

While I won’t tell you to avoid a swimming pool on your property, make sure you take all required safety measures. Doing the contrary will make you pay much higher rates.

5. Visit at least five quotes sites. Using not less than five quotes sites raise the chances that you’d get more affordable Home Insurance. This is because offers not covered by one site would be covered by the other. And, you should understand that because the possibility of getting lower home insurance quotes has to do with the number of quotes you get, the more insurers you receive quotes from, the brighter your chances will be. Getting your home insurance quotes online will help you save far more if you sacrifice around 25 minutes to obtain quotes from at least 5 sites.

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