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Insurance Tips
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Tips Archive
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- Find out whether your state insurance department offers any
information concerning insurance companies and rates. This is a good
way to get a feeling for the range of prices and the lowest-cost providers
in your area.
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- Once you pay your first insurance premium,
make sure you receive a written policy. This tells you the
agent forwarded your premium to the insurance company. If
you don't receive a policy within 60 days, contact your
agent and the insurance company.
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- Car rental insurance is usually referred
to as CDW or collision damage waiver, which is endorsed regularly
by rental car agents. Actually, you do not need car rental insurance
if you have a full coverage on your car because this coverage includes
comprehensive and collision. However, if do not have any insurance
coverage, CDW is necessary especially if you do not have credit
cards that provide security. There are a lot of credit card companies
that provide rental car insurance so make sure to inquire with the
credit card company or your personal auto insurance company before
accepting or denying CDW coverage.
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- Make sure to plan before you enroll in
any health insurance policy. Employers can inspect the
different choices available including deductibles before
getting in touch with a broker. State regulations are
strict about premium levels, which makes it difficult to
get a good deal. Online procedures in getting health
insurance online are almost the same as the process in
visiting a broker. It is recommended to interact with a
middleman or broker in buying a health insurance plan
online.
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- Research the complaint record of the company. Contact your
state insurance department or visit the website of the
National Association of Insurance Commissioners, which has
a database of complaints filed with state regulators.
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- A strategic risk management program, based on
questionnaires, surveys, reports and sound advice from
professionals (such as insurance brokers and financial
planners etc) can assist you to actively protect your
business. Insurance, as part of this program, will give you
peace of mind that you may be able to resume trading in the
event of a disaster or a liability claim against your
business. There are a number of different cover options that
should be considered when considering business insurance
including, business interruption, property damage, public
and products liability, professional indemnity and workers
compensation.
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- If your assets, such as, furniture,
clothing and/or carpets are damaged because of an
insurable event remove these items as part of a general
clean-up. If possible they should be kept in a safe
location so they can be inspected as part of the claims
process if necessary.
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- In order to find the right car insurance,
you need to figure out what kind of coverage is needed where
you live. It is essential to make a list of the different
kinds of coverage and the requirements and explanation of
each insurance policy. After knowing the necessary
information, you can now decide what things you need to add.
Some people are thinking on the worst-case scenarios and
insurance companies love these people because this
information can help the company identify your needs. Most
experts advise that if you have many assets, you need to
have enough liability coverage in order to protect them.
Driving habits are also an important consideration in
getting car insurance. Make sure to get a more comprehensive
coverage if you faced a lot of accidents in the past.
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- Check online to get a insurance quote. You
can compare prices and find an option that will fit into your budget. There are many
sites that will give you multiple quotes to make it easier to compare price
and policies.
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- It is important to avoid under-insuring the contents in your
house because most of the policies will require you to define a sum
insured, which means the maximum amount of money your insurer will
have to pay. Insuring the contents in your house can have extreme
effects so it is necessary to calculate the amounts of all the
contents properly.
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- The best method to make sure you do not
under-insure is to make a checklist of every single
thing inside your house and make sure to include all the
things you made as well as those given to you because
everything in your house needs replacement. As much as
possible, include a rough date when the things are
purchased as well as the receipts you have. It may be a
difficult task and a long process but it is necessary to
do these efforts to make sure that all the contents in
your house are properly insured.
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- Get a price quote on health insurance
plan, which will be designed to fit the basic
information of the company and employee. You are
required to fill out the basic details of the company as
well as the name, age and gender of every employee. It
is necessary to know if the employees will have their
children and spouses covered too. Make sure to know the
amount of the premium you are expected to pay and the
amount to be provided by the employees.
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- Insurance policies will vary. It is
important to check with your insurer to determine
whether the following options are available under your
policy: The cost of recovering livestock and fence
repairing after a natural disaster (specific to rural
areas, classification should be sought from your
insurance provider); The cost of removing debris from
your home or business, destroyed by wind storms or
cyclones (remember to check before removing and/or
arranging for removal); Temporary accommodation costs.
The cost of spoiled food in fridges and freezes due to a
power failure (insurers have a fixed limit for food,
product or perishable goods spoilage).
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- A reason why you must cover your house
against the rebuilding cost is because of the fact that
though the same kind of house in a different location
may have a lower market value, the cost is just the same
when you rebuild the house in the incident of fire or
other kinds of event.
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- If your home or business property is
damaged from a storm or cyclone conduct temporary
repairs only – to prevent further damage. Do not conduct
major repairs before contacting your insurer.
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- Know what insurances to get. While some
insurance policies are required by the government like a
car insurance if you have a car, others are optional and
it is up to you whether you need them or not. A home
insurance is the most basic type of insurance that most
people need because almost everyone owns a home.
Additionally, you may also get business insurance if you
have a business, a pet insurance if you have a pet or
travel insurance if you are fond of traveling abroad.
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- Check the financial stability and
soundness of the insurance company. Ratings from A.M.
Best, Standard & Poor's, Moody's Investors Services,
and Weiss Ratings, Inc. are available online and at most
public libraries.
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- Meet with potential insurance agents. Make a few appointments, bring
your personal auto insurance profile with you, and ask questions. You
want a fair price and quality service. Ask about available discounts,
higher deductibles, service options and claims procedures after
accidents. Take notes.
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- The most important thing in property
insurance is to cover the entire rebuilding cost, not
the market value. It is necessary to ensure in covering
the rebuilding costs and not the market value because
your land is not under threat from fire, storms and
theft. Remember that most of the time it is a lot
cheaper to rebuild a house from scratch rather than
buying a new one.
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- Lending your car to someone may be
costly because it is your responsibility if he or she
faces an accident. Moreover, the accident can affect
your record, which can raise your rates. With this fact,
think twice before lending your car to anyone.
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- Study the policies of different
insurance types. Different insurance types have
different terms and conditions so it is best that you do
not only study about insurance in general but you should
study about the particular type of insurance you are
getting. For example, if you are getting a home
insurance, you have to know that there are two types of
this policy called buildings insurance and home contents
insurance. This way, you will not be confused and
mistake one with the other.
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- Find out what others think
about the company's customer service. Check the National
Association of Insurance Commissioners website and your
State Insurance Department's website.
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- Your credit score is important in
identifying car insurance coverage. The car insurance
company usually reviews the credit score at the time of
application or prior to the renewals made. It is known
that you are less likely to get claims if you are making
your payments regularly. However, using the credit score
strategy may lead to higher premiums.
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- Get help from an insurance agent. An
insurance agent will help you greatly in finding a good
deal. However, it is not advisable for you to get an
agent that works for a certain insurance company or else
he will be more concerned with the company's interests
than yours.
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- Consider going direct. Going direct may
cost you less than when you buy through an intermediary.
One good example would be buying travel insurance.
Buying this kind of insurance from a travel agent can be
a lot more costly than if you get it from high street
insurer.
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- Research the complaint record of the
company. Contact your state insurance department or
visit the website of the National Association of
Insurance Commissioners), which has a database of
complaints filed with state regulators.
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- Know what you want to be covered. For
instance, if you are going to get business insurance,
you have to list all your properties to know which of
these you are going to insure. Furthermore, you also
need to assess your risks so you can adapt possible ways
of reducing them.
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- Read the fine print. Many problems and
complaints are rooted from the fact that people fail to
read the fine print in the terms and conditions, which
state very important details about the extent of
coverage. Avoid encountering problems by making sure you
understand the terms and conditions, including the fine
print, perfectly well. Getting a good deal in an
insurance produce is definitely worth all the time and
effort that you would put into searching for one.
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- Ensure that you have got hold of the
agent's name, the company address and phone number. Keep
safe from an agent who refuses to give his or her name
and company accreditation or leave a business card.
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- Don't feel pressurized into making a
decision hurriedly. Keep in mid that any insurance
policy available currently will still be there to buy
the next day. Never be "stampeded" or frightened into
buying coverage you may not need in actuality.
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- Submit correct and complete information
on an insurance application to avoid problems in future.
Go through and understand what you are signing. When
putting your replies for questions on an application,
your declarations should be accurate, honest and
recorded as you stated. You are accountable for
information that bears your signature. Your policy could
be declared void if information is misrepresented.
Errors and omissions can lead to higher premiums or
coverage terminations. So, make sure everything has been
put down correctly and clearly.
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- Never ever assume that the policy
premium quoted will be the actual premium of the policy,
or that the policy will even be approved for coverage.
Premium quotations are based on the information provided
at the time. If the insurance company finds any of the
information supplied to be incorrect or develops some
additional information, the original premium quoted may
alter or the company may even refuse to issue a policy.
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- When switching from one insurance
company to another, do not annul your existing insurance
policy until you are assured of the price and that you
have been accepted by the new insurance company.
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- Never make payment in cash. Payment by
check ensures proof of payment and allows you to stop
payment if necessary. Always make the check payable to
the insurance company. Avoid making the check payable to
the agent.
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- Check the financial stability and
soundness of the insurance company. Ratings from A.M. Best,
Standard & Poor's, Moody's Investors Services, and Weiss Ratings, Inc.
are available online and at most public libraries.
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- If you get into a car accident and left
your car in total wreck, you insurance company is responsible
in providing you with the amount equivalent to the car. However, this
does not always happen because most insurance companies use
their own formulas and do not utilize the NADA standard in estimating
values so it is necessary to present them with your own local quotes.
It is advisable to have a documented history of your vehicle
in order to present maintenance and repair receipts if necessary.
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- Make sure you read and make out what you
are signing. When answering questions on an application
for insurance, your answers should be accurate, honest
and recorded as you stated. You are responsible for
information that is otherwise authenticated by your
signature. Your policy could be declared void if
information is proved to be false.
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- If you feel like reducing your premium,
consider going in for a higher deductible. The
deductible is the amount you must pay yourself before
the insurance company pays the remainder of the claim.
Ensure that you understand how your deductible is
defined (per occurrence or illness, per individual or
family).
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- Go through premium payment options. Many
companies offer the facility of installment payments for
low administrative fees. Premium payments too may be
financed. When opting for this, take careful to review
the premium finance contract.
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- Check several sources for the best deal.
Try getting quotes from a website, but be aware that
many online services may provide prices for just a few
companies. An independent insurance agent that works
with several insurers in your local area might be able
to get you a better deal.
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- When you receive your policy, make a
thorough review the policy's coverage, including the
omissions, with your agent.
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- Insurance premiums are based partly on
the price of the vehicle, which affects the replacement
cost if it is stolen or "totaled" in an accident. How
expensive the vehicle is to repair -- including parts
and labor -- can also affect the cost. In addition,
surcharges may apply to vehicles that are frequently
stolen or involved in accidents. If you have your heart
set on a sporty vehicle, you'll probably pay dearly.
Insuring a high-performance car can easily cost two or
three times the insurance amount for an ordinary model.
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- Find out how much coverage you need. You
can find online calculators to assist you. So, don't go
over board with the insurance but think about what it is
you really need; while it might seem smart, being over
insured is basically just a waste of money.
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- Most companies give a break to those who
drive less than 7500 miles a year. If you take public
transportation instead of driving to work, your premium
will go down.
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- Make sure you get all the discounts you
are entitled to. You might qualify if your vehicle has
an alarm, for example. Discounts used to be given for
such safety features as airbags, but they're fading away
as those items become more commonplace. Discounts might
also be available if you insure your vehicles and your
home with the same company. People who pass a
defensive-driving course or don't smoke or drink often
get discounts.
- Drop collision coverage on older cars.
Claims are limited to "book" value, so you're not likely
to get much anyway if you car is more than seven years
old. A good rule of thumb is to drop collision when the
annual premium reaches 10 percent of your car's value.
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- Drop coverage for such extras as towing
costs or the expense of renting a car while yours is in
the shop. The savings are probably small, but your
new-car warranty's roadside assistance provision may
provide them at no cost.
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- Don't shop price alone for your
insurance. Ask friends and relatives for their
recommendations. Contact your state insurance department
to find out whether they provide information on consumer
complaints by company. Pick an agent or company
representative that takes the time to answer your
questions.
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- Three of the most common student health
insurance options are staying on a parents' insurance
plan, buying the school's student insurance plan, or
purchasing short term coverage. Before you make your
decision, it is important that you understand the pros
and cons of each option. To learn more click here:
http://billeater.com/tips/three-health-insurance-options-college-students
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- Consider dropping collision and/or
comprehensive coverages on older cars. If your car is
worth less than 10 times the premium, purchasing the
coverage may not be cost effective. Auto dealers and
banks can tell you the worth of cars. Or you can look it
up online at Kelley’s Blue Book (http://www.kbb.com).
Review your coverage at renewal time to make sure your
insurance needs haven’t changed.
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- Insurance is essentially a promise by an
insurer to provide the funds needed to cover future
losses, in return for a promise to pay a monthly
premium. Insurers are required by law to hold sufficient
assets and the financial means to cover all insured
losses. Insured individuals must pay the premiums
stipulated by the terms and conditions of the policy to
be eligible for compensation in the event of a loss.
Premiums can usually be reduced, however, if the insured
agrees to pay a deductible amount, which is a nominal
percentage of the loss.
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- Make sure you review your insurance
information yearly to keep your insurance coverage
current. Things that most people often forget to tell
their insurance agent in home insurance is home
renovations. This is important because if you don't
raise your home owners insurance coverage then if you
have to file a claim, you may be under insured. With
your auto insurance, you will want to keep your
insurance agent up to date on any job changes you have
had (your commute mileage is an important aspect of your
insurance coverage) and if you have any additional items
installed in your vehicle you may want insured such as a
dvd player.
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- When you take out home insurance, you
should first get an idea of what your actual home is
worth. You can do this by getting a valuation on the
property or by working out how much it would cost to
replace the home at current prices. You also need to
take an inventory of your belongings and keep this
somewhere safe. This will enable you to put an
approximate value on your belongings and may also
prove invaluable in the event that you need to make
a claim.
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- Today people have realized how professional indemnity
insurance helps them and the protection it had
given out for them. However there are still many who are not yet
able to understand the purpose of getting professional indemnity
insurance.
Read the rest of this article
here
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- Be sure to make use of discounts for low risk behavior or safe practices.
Homeowner policies may offer discounts for homeowners who install various
safety measures. Health coverage is may be less expensive for non-smokers
and those who are not overweight. Be sure to check with your agent or policy
for any discounts that may apply to you.
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- If you have a bad credit history you'll be paying more for your insurance
premiums than if you have a good credit history. This is because a bad credit
history is evidence of money troubles or an inability to pay on time; and if you
have money worries then there is an increased risk you'll make a claim on
your insurance policy.
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- To save money on insurance costs, make one annual payment if
it reduces administrative costs. Check to see if online payments can help you
to avoid processing fees.
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- When it comes to time to re-insure
your home contents, you must remember what you bought
over the last year so that you can add this to you new
policy. To do otherwise means that these items are
unlikely to be insured. Likewise, you must remember
that a gap may grow between the real value of replacing
items that increase in value and the items insurance
value (a classic example, diamond rings!). On the
other hand, the cost of replacing items that
deprecate in value, such a television, may go down from
what they were last year, but may go up again if such
items become considered collectors’ items or antiques!
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- Uninsured and underinsured motorist
coverage pays out for damages and injuries that
you incur should the driver that hit you not have
insurance, was a hit and run or does not have the
insurance coverage mandated by the state you live in. If
you do not have this insurance on your car, you
may be stuck paying for an accident that wasn't your
fault.
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- One of the most common types of
homeowners insurance claims is for dog bites, accounting
for nearly a quarter of all liability claims. Most
carriers do offer coverage for dog bites, but often
will exclude coverage for certain types of breeds,
such as pit bulls.
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- There are a couple of simple ways to cut
your insurance cost. One is to learn if one company can
meet two or more of your insurance needs. Buying a
combination of plans might reduce your rates. Another is to
consider what types of insurance might be available through a
professional association or other organization.
Perhaps your employer has a special plan with Triple A
or are you becoming eligible for AARP?
A third way to save is to make sure you don't carry double coverage.
For example, you don't need insurance on the rental car if it's
covered on your car policy.
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- When remodeling or doing construction on your
home you should know that often, homeowners insurance alone is
insufficient for the construction of a new house. As such, you will
also want to research and consider builder's risk insurance, which
will protect you against specific dangers to a structure during construction.
This type of insurance even protects materials, equipment and fixtures
utilized in the construction process against damage due to fire, wind,
lightning or vandalism. However it is important to remember that builder's
risk insurance is a separate addition to homeowners insurance and its
cost should be calculated into initial financial planning.
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- When buying insurance for your condo, read the "Declarations"
portion and by-laws of your condo association documents to determine what's covered
by their insurance—and what's not. It will usually cover all common areas, like
the roof and elevators, the boilers, walkways and garage. Then determine how
much it would cost to repair or replace everything within the exterior walls of your
unit—new drywall, wiring, plumbing, lighting fixtures, cabinetry, paint, carpets
and drapes, etc. Don't forget to determine the value of your personal
possessions—your clothes, furniture, electronics, tools, kitchenware,
everything not attached to the condo unit. If you have expensive items like
jewelry, paintings, furs and heirlooms, list their value separately, since you'll
need a separate "floater" policy to cover their replacement.
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- The idea of a lost or damaged cell phone
would strike fear into the heart of even the most casual
phone-toting teenager. Since these devices are so
important to daily life, it seems like a simple fact
that they should be covered by cell phone insurance.
Unfortunately, the insurance offered by most cell phone
carriers may not be worth the trouble. The good news
is that most cell phone providers offer insurance for as
little as $5 per month. Unfortunately, you don't really get all
that much. Most cell phone insurance plans do not allow
you to replace a broken phone with a brand new one.
You'll have to settle for a refurbished phone that may
not even be the same model as the phone you were using
before. If you want to get a new phone or insist on a
specific model, you may end up paying an extra upgrade
fee regardless of your insurance. Cell phone companies will also expect
you to pay a deductible before the insurance kicks in when
you need a replacement phone.
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- Check with your insurance company because some companies
offer discounts to motorists who drive a lower than average number
of miles a year. Low mileage discounts can also apply to
drivers who car pool to work.
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- Electric cars can cost less due to many factors, your insurance
being one of them. Insurers track as many factors as possible in
calculating insurance rates - that's their business. In spite of
electric cars being a relatively new phenomenon, some analysts have
already come to a few conclusions about electric cars ("EV's") that
make lowering premiums a sensible idea. Read the rest of the article
Here.
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- The info that you have to disclose to your auto insurance when
applying are your driving history, information of how secure your
location is, your age, and also your individual data. If everything
looks very good, the insurance company that you've applied from will
surely give you lesser premium. However, if you're looking for
automobile insurance and you just started driving or if you are
still young, getting cheap car insurance perhaps hard to accomplish.
This is since younger drivers are considered to be prone with
accidents than of those older or a lot more experienced drivers. Read the rest of the article
Here.
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- Disability insurance is insurance for the occasion that you are
hurt on the job, and cannot function, incapacity insurance can offer you
peace of mind-you will still able to produce for your family. It really is meant
to fill the gap in between what your monthly costs are and any earnings outside of
yours that also pays the expenses. Click
Here to read more on how you can protect yourself.
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- Thinking of selling some things are the street fairs and vendor
shows this year? Lots of people do. Don't forget to get some vendor insurance to
cover your liability if someone gets hurt. Click
Here to read more.
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- Motorcycle insurance, as with car insurance, is
important and any individual who drives a bike should get one. It
comes with many types of coverage that vary in rates depending on
the type and size of motorcycle, among other considerations. There
are several laws that govern this type of insurance, and it varies
depending on what state you are in. No matter the minimum required
coverage, or the rates that go along with it, it is imperative for
any biker to find motorcycle insurance and purchase it. Click
Here
to read more.
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- Do you know what is entitled to you if
you get hurt on the job? Click
here to find out what is provided by your employers
workers compensation policy.
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- What's the simplest way to suffer financial ruin?
Not having enough insurance. Click
here to read the "5
Simplest Ways You Can Ruin Your Financial Life."
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- Do you know how much insurance to get on
your home? It's easy to overestimate and even easier
to underestimate. Click
here for tips on insuring your home for the
proper amount.
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- Great way to save money is to read your policy:
Yes, even the fine print! Ask questions. Keep your policy at
hand. Call your insurer to keep your policy up-to-date, inform
your agent of any changes (new car, new job, new
driver, etc.), and ask periodically about any possible discounts.
Review your policy yearly with your insurer.
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- When looking at a new car, remember to
check the safety rating of the cars you are comparing.
Even if a car is expensive and upscale, it could have a
poor safety rating and that adds to how much money you
will be paying for car insurance. Click
here to read more.
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- Check several sources for the best
deal. Try getting quotes from a website such as
www.insweb.com, but be aware that many online services
may provide prices for just a few companies. An
independent insurance agent that works with several
insurers in your local area might be able to get you a
better deal.
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- Find out what others think about the
company's customer service. Consumers can rate homeowner
insurance companies at www.jdpower.com/insurance.
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- You must do mobile phone insurance comparison before
finalizing a particular insurance provider in order to get the
best deal. It may be profitable to buy insurance
for your mobile phone or iPhone from an insurance
company other than mobile phone dealers who are prone
to charge excessively for mobile phone insurance. Do a
bit of homework before you select the package and the
insurance provider.
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- With Hurricane Irene on her way up the East Coast be sure to check
your tires. The tread depth should be at least 1.6 mm across 75% of
the width of the tire for its entire circumference with visible
tread on the rest and preferably more to be safe in wet or icy
conditions. Tires should be inflated to the pressure recommended by
the manufacturer.
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- Now that the storm has subsided and it is safe to return, to fix your home or business,
after you inform your insurance company, a salvage
team should be assembled and repair work prioritized, assuring
proper supplies are available and safety procedures followed.
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- When insurance goes waste: People
who are extremely cautious about their mobile phones
may have to watch their investment go waste. Also
because mobile phone technology changes very fast
and your phone may become outdated very soon so that
you may feel like buying a new one. However, it would
be foolish to damage your perfectly working phone just
to get full value out of your mobile phone insurance.
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- Unfortunately claims happen.
The insurance company takes care of most of it, but the
insured has duties that they must do after a loss
happens. Do you know what to do after a claim?
Click here to find out.
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- It's getting to that time of the year
when it gets colder out and the smell of wood smoke is
in the air. Be sure to have wood and coal stoves,
fireplaces, chimneys, chimney connectors and all
other solid-fueled heating equipment inspected annually
by a professional, and cleaned as often as
inspections suggest. Use only wood that is properly
seasoned to reduce creosote build-up.
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- Once you've washed your car and watered
your garden for the last time this year, drain your
hose lines and turn off the water to outside
valves. Remove the hose from the water valve and store it
in a garage or shed. All of these actions
will help prevent burst pipes over the winter.
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- Late in the fall, clean out your gutters. It's essential that your
gutters be leaf- and debris-free to allow water to flow during the
fall, winter and spring. Once you've cleaned the gutters out,
consider purchasing gutter guards at your home improvement store.
They're easy to install and will make the gutter cleaning much easier next year.
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- Depending on what kind of system you have and when it was last
serviced it may be time to have your heating system checked out. You don't want to wait until
your heating system goes out on the coldest day of the winter to
have it looked at! Consult your owner's manual for servicing instructions.
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- Does your house always seem drafty in the wintertime? If you haven't
already done so, replace your old windows with new, energy efficient
ones. If new windows just aren't in your budget, you can buy window
insulation kits at your home improvement store to seal leaks around your windows and
sliding glass doors. Get started now sealing up those drafts! You
can save the insulation film when you take it down in the spring;
store it away and re-use it next year if you still haven't replaced
the windows. If you had to cut any of the film, mark on the box
which window it fits to save time next year.
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- Change your furnace filter. You should do this every three
months throughout the spring, summer and fall, but try to change the filter
monthly during the winter.
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- Deer mating season (October - January)
can be a dangerous time for drivers, deer and car hoods.
They travel in packs, They tend to come out at dawn and
dusk. And they cause over 1 million accidents a year. So
be aware, wear your seat belt and don't panic when
you see a deer.
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- Ever wonder what the VIN number on your
car means? Well the first 3 digits tell you the country
of origin, the manufacturer and vehicle type. The next 5
digits are used by service shops to determine the
vehicle model, body, engine type, etc. The 9th digit is
known as the Check Digit to determine if your VIN is
valid. The 10th digit is the vehicles model year. And now
you know!
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- Be safe this holiday season. Remember to
keep potholders, oven mitts, towels and anything
flammable away from your stovetop. Keep a
multi-purpose dry chemical fare extinguisher in the
kitchen. Never use water on a grease fire. Water can
cause hot grease to splatter. And above all
else, HAVE A GREAT THANKSGIVING!!
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- Time to winterize your weather
specific equipment. Drain gas from
your lawnmower. Service and tune-up your snow blower.
Replace worn out rakes and snow shovels.
Clean, dry and store your summer
gardening tools. Sharpen ice choppers and buy bags of
ice-melt and sand. Better to be prepared
before those blizzards hits.
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- When buying a new space heater, make
sure it carries the mark of an independent testing
laboratory, and be sure to have fixed space heaters
installed by a qualified technician or check with a
qualified technician to make sure that it has been
properly installed.
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- Make sure to cover your insurance gaps.
This will come in handy in the case of an emergency.
The most common gaps are flood, earthquake and
mudslide. Obviously, not all of these gaps pertain to
everyone but, most likely, at least one of them does.
Contact your local insurance agent to get the details.
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- Dry, dead trees are a fire hazard, so avoid selecting a tree that
has already turned to a piece of firewood before it even gets to
your living room. Buy a fresh tree or go to a tree farm to cut it
down yourself. It will last longer and be safer by staying alive
and moist. If you buy a pre-cut tree, hold it upright and bounce
it off the ground a few times; if a spray of needles comes off the
tree, pick another tree.
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- Wishing everyone a happy and healthy
New Year! Don't Drink and Drive this weekend! And
don't forget to take a defensive driving class to
get a 10% discount on your car insurance.
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- Remember,
when you're trying to stick to your resolution of trying
to save money this year, that car insurance is a good
place to save money but a low price is no
bargain if an insurer takes forever to service your claim. Research
the insurer's record for claims service, as well as
its financial stability.
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- As the temperature continues to
drop, (or not, who knows?) it is a good time to make sure that
your pipes don't freeze if you haven't already done so. A couple of
ways to do this is to insulate areas where vulnerable papers are
located, remove houses from outside yard faucets, don't completely
turn off your heat while you are gone for the day, drain all outdoor
pipes and turn off the water supply to the sprinkler system.
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- If you find that a pipe has frozen, you
can take a couple of steps to fix it. Turn off the
water supply to that pipe, open the faucet it supplies
with water and add heat to the area where the pipe is
located.
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- Ever wonder how points on your license
effect you insurance premium? Want some tips on
how to avoid or remove the points? Click
Here to find out more.
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Our Sources
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Click Here for our
Resource Library, where all of our
sources are made available to you. Just one
more way we try to make things as easy as
possivle for you.
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