Tag Archives: Importance

The Importance of Having Enough Home Insurance

Article by Andrew Regan

While finding home insurance can be a daunting process, it’s important to have enough home insurance to cover your belongings, and the house you love, in case of an accident.Experts are warning that it’s important for homeowners to ensure that they have insurance to rebuild their home entirely in the same location. Having the right home insurance will make sure your livelihood is covered in case of accidents that can ultimately destroy your house. The warning that stresses people to be fully covered follows a recent report released which found that five million Brits are considering cutting back on their costs, including home and car insurance, during the current economic recession. A large proportion of those surveyed said that insurance cover was one area they were prepared to cut back on because they cannot afford it, leaving many experts warning that the decision could cause more harm than savings. It was also found that flood risk insurance in particular was one aspect that many people were considering cutting from their house insurance. Experts have warned that cutting flood damage or home contents insurance could lead to devastating and expensive consequences in case of an accident. It was noted that while insurance payments may seem unnecessary at the moment, it could lead to greater repair costs in case a natural disaster or accident does damage to your home.Consumers are being urged to seek the right insurance that fits their personal home and budget. Evaluating your coverage can help ensure that no money is wasted and that your home is continually insured against damage. Added to that, consumers are being reminded to ensure that their home insurance is up-to-date, and that you understand your current policy. It can be easy to forget to renew or increase your home insurance, but it’s an important step in ensuring that homes are fully insured against anything that could happen.In addition to home insurance, it can also be useful to have personal belongings insured in case of damage that can ruin expensive and sentimental items. There are also plenty of ways to save money while still keeping your home insured, including shopping around for the best agency and rates and requesting an inspection to prove the state of your home. Seeking appropriate home insurance doesn’t have to be expensive. Consumers can rest assured that they’re covered no matter what happens when they find the home insurance that’s right for their home and budget.

About the Author

Andrew Regan writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.

Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.

Visit www.squareoneinsurance.ca to get an online quote or to learn more about our Kelowna Home Insurance.

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Importance of Home Insurance

Article by Peter R.

The acquisition of home insurance provides the homeowner with important protection. Home insurance is protection on an investment. It shows that the homeowner understands the value of his investment.

The Origin of Home Insurance

If a history of home insurance were to provide details on the origin of home insurance, such a history would need to refer to an 1853 fire. That January fire destroyed some barns and livestock in York County, Pennsylvania. The barns and livestock had been one farmer’s investment. His neighbors gathered together, and they discussed the need for a way to protect such investments.

Their discussion planted the seed for the idea of offering affordable home insurance. Those men had talked about insuring a farm, and their idea became the impetus for creation of Farmer’s Insurance. With time, Farmer’s Insurance decided to insure more than just farms. Eventually Farmer’s Insurance chose to offer home insurance as well.

Comparing Home Insurance to Protections on a Portfolio

As mentioned above, a home is an investment. In that respect, a home is no different from the elements of a business portfolio. The owner of such a portfolio wants to monitor the contents of the portfolio. The owner of that portfolio strives to keep those business investments at an acceptable level of performance. This information on the portfolio underlines the importance of home insurance.

Home insurance helps the homeowner to protect the value of his (or her) investment. Yet protection on a home does not guarantee maintenance of a home, and maintenance of a home is the surest way to preserve the value of that home. The investor maintains the investments in his (or her) portfolio. In the same way, the homeowner needs to maintain the value of his biggest investment, his home.

How Home Insurance Relates to Home Maintenance

Certain aspects of home maintenance receive great emphasis from the providers of home insurance. For example, Farmer’s Insurance has posted on its website some tips that concern home maintenance. Farmer’s recommends that homeowners trace the location of all their pipes, and Farmer’s also suggests that homeowners learn how to turn off such pipes in an emergency.

Farmer’s sees a direct connection between home insurance and home maintenance. The insurance agency advises homeowners to practice pest prevention. Such prevention includes keeping piles of yard waste away from the home’s walls. Home maintenance can also lower fire risks. Farmer’s Insurance encourages homeowners to reduce fire risks by checking the fire alarms every month. Alarms that fail to function properly should then receive new batteries.

Farmer’s Insurance provides guidelines on protecting both the home and the items inside the home. Farmer’s suggests creation of a home inventory checklist. Such a checklist would detail all of the items covered by the home insurance policy. Farmer’s also suggests creation of an emergency phone list and an earthquake checklist.

An earthquake kit should have a flashlight, a radio, a pipe wrench, with directions to the home’s pipes, and a decent supply of food and water. Those items would help a homeowner to live comfortably until the providers of the home insurance had paid a visit to the earthquake-damaged home.


Article Source: http://www.premierdirectory.org/

About the Author

I’m a writer and editor for several insurance websites. You may access my other articles at http://www.premierdirectory.org/articles/index.html

www.farmersagent.com Insurance agent, Mike Vakos, provides coverage for auto, home, life, commercial, renters and recreational vehicles in Northeastern, Ohio. He focuses on clients in the following areas: Lakewood, Rocky River, Bay Village, Westlake, Avon, Avon Lake, North Ridgeville, North Olmsted, Fairview Park Olmsted Falls and Cleveland. Call 216-373-1476 today for a fast friendly quote from an agent who cares!
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The Importance of Auto Insurance Comparison

Article by Andrew Daigle

Whether you are shopping for Texas auto insurance, New York auto insurance, Arizona auto insurance or anywhere in between, the process is best approached by speaking with several agents and comparing quotes to get the best auto insurance rate available. To get started, you will need to know the make and model of your vehicle, along with it’s mileage, any extra features and condition. During the process of requesting a free auto insurance quote, you may also be asked about your driving history and/or your preference regarding a deductible.

When it comes to auto insurance rates, the actual amount that you pay will likely be determined by several factors. Among them, your driving record, credit history, the type of automobile that you drive, your age, marital status and even the amount of your chosen deductible. Typically, younger drivers will be required to pay higher auto insurance rates simply because they have less experience behind the wheel and are, therefore, considered to be a higher risk. Mature drivers, including those that are married, are viewed as being more responsible and may enjoy discount auto insurance.

Receiving a free auto insurance quote is usually as simple as picking up the telephone or logging onto the internet. Most agents can offer auto insurance quotes after a brief interview. It’s important to keep in mind that new vehicles will typically call for higher auto insurance rates than a used vehicle. Why? Simply because new vehicles are worth more and, as such, their replacement values are higher. In addition, an SUV and/or sports car will almost always be more expensive to insure than a standard car. If you own more than one automobile, a terrific way to obtain discount auto insurance may be to switch all of your policies over to one auto insurance company. In many cases, you will be given cheap auto insurance because of the fact that you will be granting the company all of your business.

If you want to compare auto insurance rates, it will take more than simply flipping through the yellow pages and choosing a few names at random. While this is a good place to start, you must also consider the benefits of online auto insurance quotes and the competition that only the internet can offer. One of the ways that an auto insurance company will compete for your business is through auto insurance rates. Where better to shop from a world full of insurance companies than online? When you compare auto insurance rates, you can save a considerable amount of money and be proud of the fact that you are a thrifty shopper. Getting the best value for your dollar feels great and when you get discount auto insurance, you can ride with pride.

The information in this article is designed to be used for reference purposes only. It should not be used as, in place of or in conjunction with professional financial or insurance advice relating to auto insurance quotes, discount auto insurance or auto insurance rates. For additional information or to receive an auto insurance quote, contact a local auto insurance company.

About the Author

Andrew Daigle is the owner, creator and author of many successful websites including http://www.auto-insurance-quotes-cheap.com, an auto insurance company research site and http://www.personal-payday-student-loans.com, a site for finding the best loan for your needs.

The importance of small business insurance

Article by Jack Brown

If you own or run a small business you will no doubt have plenty to think about each day. Whether its getting stock in, meeting suppliers or potential clients, there is a lot to consider in the day to day running of a company.However, one thing you have to deal with straight away is your insurance. Small business insurance is a necessity and it is important to make sure you have the right policy too, so you are fully covered. It really isn’t wise to go out and choose the first option you come across, because if it doesn’t fully meet your requirements and something were to happen, that could be the end of your business.If your new to running your own business, or managing a small company, you may be unsure what type of policy you need. Ultimately, the policy you buy will depend heavily on the type of business you are running. Some levels of cover are need in some industries, but not in others.Either way, one of the major things you will need is public and employer’s liability cover. If your work involves any member of the public coming to your workplace then this is a must. By taking this out, you are protecting yourself against any accidents or injuries that may occur to that person.For small businesses, just one claim could be disastrous if you later find you are not correctly covered. If an employee is injured at work, your employer’s liability cover will ensure that you don’t have to foot the bill to cover any associated costs.Liability cover isn’t the only thing that will be useful for your business. You might want to consider getting business interruption cover which will protect you if for any reason you are unable to trade for any of the reasons listed in the policy. Reasons listed can include, property damage because of fire or floods for example.If you hold stock at your business premises you will want contents cover added to your policy. This will cover you in the event of any damage or theft to your stock and any other important items you may store at your building.It is really worth taking the time to make sure you purchase the most suitable policy and if you are unsure on any aspects, your insurance provider should be able to help

About the Author

Jack Brown is a professional writer who writes on various finance and insurance related topics. For more information on business insurance he suggests you to visit http://www.businessinsure.co.uk

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The Importance of Small Business Insurance

Article by David Weasley

SMBs are leading 21st century business. Where multinational giant brands dominate in size and bulk production, SMBs rule the market by low cost, high quality products supplied by interactive and cooperative production. In the service industry, or the goods manufacturing industry at all levels

The Importance Of Home Insurance

Article by Robert Gray

Copyright (c) 2011 Robert Gray

Home insurance is vitally important in order to protect you from life’s unexpected events, such as floods, fires, theft and damage. This article looks at exactly what home insurance is, the two main types of home insurance, what is covered under a typical policy, whether you are obliged to have home insurance and the consequences of not having home insurance.

Home insurance is a type of insurance policy that covers your home and your belongings in the event of fire, floods, damage and theft. There are two types of home insurance – buildings insurance and contents insurance, and they will both help to protect you.

Buildings insurance.

Buildings insurance covers the actual ‘bricks and mortar’ of your home. It offers insurance cover in the event of floods, fire and subsidence. As well as covering your actual property most buildings insurance policies also extend their cover to outbuildings such as sheds, greenhouses and garages. Also, depending on the particular insurance policy, you may be covered for any damage to your fixed fittings such as bathroom or kitchen appliances. The policy will usually cover you for up to what it would cost to completely rebuild your home. You should check an insurance policy carefully before you take it out to ensure that you receive the amount of cover you require. For example, if you live on a flood plain you should check how this will affect your insurance cover in the event of flooding – would you still be covered?

Contents insurance.

Contents insurance, as the name suggests, covers the contents of your home. This can include everything from electrical appliances and carpets to items that you may sometimes take away from the home, such as cameras, bicycles and jewellery. You will need to list any specific items that you wish to be covered, for example an antique ring, with your insurance company otherwise that item may not be included in the cover. As with buildings insurance, you should shop around for the most competitive quote (checking things like policy excesses) and ensure that you receive the amount of cover you require.

Whilst some mortgage lenders may insist that you have an insurance policy in place before they will agree to the mortgage, they cannot insist that you take out their own particular insurance – you are free to shop around and choose the deal that is best for you.

The consequences of not having a home insurance policy in place may be devastating. In the event, for example, that your property is flooded or items are stolen, and you do not have adequate cover in place, you will be left to foot the bill.

About the Author

Need specialist Moving Home Solicitors? Gray Hooper Holt are Redhill and Reigate Solicitors?

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Importance to Have Even the Most Affordable Car Insurance

You have a brand new car and the feeling driving one is truly exhilarating; suddenly it crash! It is truly disappointing to what have happened to your new car, and the most frustrating thing is you do not even have even the most affordable car insurance.

Accidents do happen anytime and anywhere – the worst thing to happen is a vehicular accident where your loved ones are involved. Fatalities, injuries and damages are all unpleasant things.  But these can be appeased, even a little bit when supported, particularly in terms of monetary consideration.

Money cannot buy life though, but in case of accidents or unexpected deaths, the green bucks can do a lot of things. Remember, money does not come from the skies when it is most need. Nevertheless, financial assistance comes easy when you cover your vehicle even with the cheapest and most affordable car insurance. The premium you can afford might not have the widest coverage, but even the cheapest ones could help you in times of accidents.

Always remember that there are careless drivers out there in spite of the safety road rules being implemented. A driver may be under the influence of liquor while driving, or can be under the influence of some narcotics that can obscure the mind while driving. Some might be too focus texting or talking over the phone which heightens the level of road accidents. At any point of time, you can encounter a driver such as this and may cause damage to your vehicle.

However, if you were able to sign up even with one affordable car insurance, you are confident that vehicular damages incurred can be duly compensated. Take note that there are limitations as well for insurance coverage. This means that there can be certain liabilities that may not be covered by the insurer. Some policies have wider coverage than the others and it is you responsibility to study every single detail of your insurance.

It is important therefore, to understand thoroughly your policy and its coverage. Make sure you have full comprehension of its terms and conditions. Everything must be fully understood and well-taken before securing even for the most affordable car insurance.

Welcome to Insurance60.com, where major insurance companies compete for your business! Whether you are looking for Auto insurance, Health insurance or Life insurance, Insurance60.com has made it easy for you to find the most competitive insurance policies from the leading insurance companies that are in your area!

Article from articlesbase.com

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Importance of Car Insurance and Home Insurance Coverage

Article by Frank Rodriguez

In today’s world, having the right home and or car insurance is more important than ever. Car and home insurance are two of the most necessary forms of insurance you’ll find. For that reason, they are also the most common forms of insurance protection. This is for obvious reasons, as they both provide extremely important protection for our family needs.

Home insurance in its most basic role provides protection for not only our families, but for visitors as well. This is very important, as home ownership is our number one investment, at least for most of us. For that obvious reason making sure you have proper home insurance is an absolute must. In fact, if you borrowed to purchase your home, like most homeowner owners have, your lender will require that you have adequate health insurance. It’s important not to confuse home insurance with mandatory private mortgage insurance. Private mortgage insurance is insurance that protects the lender, should you default on your home loan. Home insurance protects you and your home from damage and liability.

In addition to the obvious protection that home insurance offers, homeowners insurance provides liability protection that insures you and your family. This ensures that if you have a guess at your home, and that guest has an accident your insured, against the liability that can result. Home insurance is often thought of as protection against damage to your own, but the liability protection that comes standard with most home insurance policies can be a real godsend. Now, when it comes to ensuring your valuables, most of your comment items will be protected under your general policy. Though I valued items such as a diamond ring, often require additional coverage.

Home insurance will provide for protection against most disasters. Flood insurance and earthquake insurance are not commonly included in your home insurance policy. If you live in an area that is prone to floods, prone to earthquakes, you’ll need to purchase additional coverage. We learned firsthand the importance of having flood insurance from the Katrina disaster. We learned again, the importance of earthquake coverage from the resent devastation in China. You never know when these disasters will hit; you’ll never know where they are going to hit, so make sure your number one investment is protected today.

In addition to the importance of having home insurance, car insurance plays a very large role in protecting us, our families, and others. In fact, it’s so important that car insurance is required by most states and governments. This is also for good reason, as it is more important than ever to protect ourselves from others who drive irresponsibly, with no car insurance. Unfortunately, it’s extremely difficult to enforce these laws, and frankly, these laws are not strict enough. The last, the enormous number of uninsured motorists on our streets, today. We must take a proactive approach to protect ourselves through the purchase of uninsured motorist car insurance. Uninsured motorist coverage is often made available at an additional cost to your existing coverage, make sure you have it. Uninsured motorist coverage doesn’t just protect you against uninsured drivers, but protects you against under insured drivers. Because many laws require very minimal, car insurance requirements, you’re subject to only partial repairs to your vehicle. This means that without uninsured motorist protection, a legally insured individual with coverage up to ,000 can only provide a ,000 settlement. If you’re driving and ,000 car, you can do the math; you’ll get stuck with the majority of the bill.

The importance of having both car insurance and home insurance if you own a home cannot be stressed enough. Make sure you, your family, and others are protected, get insured today, if you aren’t already. If the cost of insurance is an issue for you, you can shop several different carriers and find a competitive rate. Make sure to go with a high rate company, however, as you’ll want them around when needed.

About the Author

If you’re looking for a car insurance quote it’s always a good idea to get quotes from a few different insurers. Many online services can provide you with a number of quotes, allowing you to select the most reasonable. You can do the same with home insurance as well, just go with a reputable carrier.

Understanding The Importance Of Commercial Vehicle Insurance

Article by Tom Jones

If you own a vehicle and you use it to conduct any form of business, then from a legal point of view it’s considered to be a commercial vehicle, so of course it needs to be insured accordingly. One should bear in mind that it’s illegal to operate any type of vehicle on a public road without adequate insurance and of course commercial vehicles are no exception to the rule.With that said, if you own a commercial vehicle then the chances are you depend on it for making a living, so whether the law requires you to have insurance or not, it simply makes sense to have the vehicle insured.

Obviously if you run a business then profits rate high on your agenda and as such, the type of commercial vehicle insurance you choose doesn’t only need to provide you with an adequate amount of cover, but it also needs to fit in with your business’s budget. For this reason, it’s essential that you pay careful consideration to your specific requirements, in that the level of cover you opt for can have a significant impact on the cost of insurance.For example, it would be counterproductive to purchase insurance which provides far more cover then you actually require, in that you’ll end up paying more than you really need to. On the other hand, if you don’t have sufficient cover, you could well end up losing out in the long run in the event that your vehicle becomes severely damaged.

One of the first things you’ll notice when you’re shopping for commercial vehicle insurance is that the insurance companies who provide such cover usually have a number of different insurance plans to choose from. In other words, if you use your commercial vehicle primarily for transporting the tools of your trade, then the insurance policy won’t be the same as one you would require if your vehicle was being used to transport personnel.Choosing the correct type of cover is crucial, because if the vehicle is ever involved in a collision, the police will need to make a note of the contents in their report. Of course, in the event that you need to make a claim, the insurance company will ask for a copy of the police report and if they find that you’ve breached the agreement, they’ll be legally entitled to cancel the contract without paying for any damages.

Any business owner is all too well aware of the fact that commercial vehicle insurance costs noticeably more than private vehicle insurance, but even so, there are several things you can do in order to help keep premiums at a minimum. This for example would include things such as having anti theft devices fitted. Apart from meeting certain criteria in order to keep the cost of insurance down, you should also be willing to invest the necessary amount of time in order to obtain several quotes before deciding to go with a specific company.

Obviously, if your vehicle gets broken into and all the contents are stolen, having commercial vehicle insurance will mean that your goods can be replaced at the expense of the insurance company. Even more important however is that should your vehicle ever be stolen or damaged beyond repair, at least you’ll know that your business won’t have to suffer as a result. If you’re serious about your business then get adequate insurance for your own sake and that of your business.

About the Author

If you’re looking for a quote on commercial vehicle insurance visit Swinton.