Saving Money on Home Owner's Insurance
This is a guide about saving money on home owner's insurance. Home owner's insurance can be quite expensive. Taking the time to shop around and looking for discounts can save you some money.
Squirrel Damage to Electrical Wiring Not Covered By Insurance
We recently had a power surge and our TVs were smoking. We had an electrician come to the house, who immediately called the electric company. They found damage on our outside wires from the pole to the house. They said it was caused by squirrels.
Determining Home Value for Insurance Replacement Coverage
What is the average residential construction cost for a two story brick single family home in NC? I am interested for the purpose of insurance replacement coverage and do not want to be over or under insured.
Photograph Each Room's Contents in Case of Disaster
My daughter and her family recently experienced a house fire; it was an entire loss (home, furnishings, vehicles, documents, and pet). She was able to save a three-ring binder with all of her important documents, bills and other pertinent information.
Photograph Your Belongings for Insurance Purposes
When contemplating your homeowners or renters insurance, consider this idea to speed things along. Use your digital camera and take pictures of all four walls in each room, close ups of opened drawers and closets, bathroom cabinets, garage contents opened tool boxes, etc.
If you own a home or buying a home try to get your vehicle and home insurance with the same company and get a discounted rate for doing so. We not only checked with local agents, but also did online rate checks.
Staying on Medicaid After Marriage
Marriage after Medicaid in Florida: My fiance and I are engaged when we found out I am expecting. I chose to get on Medicaid since I work part time and job doesn't provide health insurance and we did not have a date set for marriage. He wanted to get me on his insurance but could not be done because we are not married. I did get Medicaid and WIC.
Be Sure To Review Insurance Deductibles
If it's been a while since you've reviewed your home and auto insurance, take look at your deductibles. Because if you've been with the company for a long time you might have deductibles that are lower than you actually need.
Renting Risks and How to Protect Yourself
Most people wouldn't imagine driving a car without insurance. After all,there's no telling what could happen tomorrow, a week from now, or in thenext five minutes. Yet thousands of students rent homes and apartments without even considering renter's insurance.
Remember to review your insurance coverages regularly. I put this off for a long time, because it confused me. But I made an appointment with our agent, and she was VERY helpful in finding ways to reduce our insurance bills.
Homeowners Insurance Discounts
Make sure you are getting all of the discounts you are entitled to, on your homeowners insurance. Most companies give discounts for deadbolt locks, smoke alarms, non-smokers (you are less likely to burn down the house!), and of course a central alarm system. Some companies will even give a discount for motion-detector outside lights.
Check Your Credit Before Buying Insurance
Check your credit before purchasing homeowners or auto insurance. Your credit it seems is an indicator of the risk you will be. It is less expensive to correct something inaccurate on your report before instead of after. If you have some bills that have not been paid on for some time start payning as much as you can. Insurance is expensive why pay the extra surcharge if you do not have to. By Trigger
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