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3 weeks ago · by · 0 comments

Work From Home: Do I Need Insurance?

How long have you been working from home? The number of people who choose to work from home is growing, and there’s no stopping them. Who wouldn’t want to work from home when it meant more time with the family, not to mention the time and effort saved because you don’t have to exert much effort to do your work from home. Whether you’re running your business from home or working full-time for a company as a remote employee, it is important that you understand that you may need to purchase add-on coverage to include the work from home that you do.

Sadly, many homeowners who do their work from home fail to realize that they put their home insurance at risk because of the work that they do. Some don’t even realize that their insurance coverage has been invalidated until reality hits them hard. To save yourself from all the trouble, it is best to consult with an insurance advisor to learn more about the add-ons that you should request from your insurance provider.

What type of insurance do you need if you do work from home?  The kind of coverage you need depends on several factors including the type of business or work that you do from home. Consider adjusting your current cover. Have you considered asking your insurance provider about the adjustments you wish to make to your policy? Include the possessions that you use for work purposes. A laptop computer, table, chair, laptop and all the other things that are used for “business” instead of domestic purposes should be covered by the adjustments you intend to make.

What does it mean when insurers say that something is for “business use”? They refer to all items inside the house that are used for business. This may include printers and other materials and equipment that you use exclusively for business.  If you are running a business that requires cooking, all the materials that you use for it are for “business” purposes and shall be considered in the add-on insurance that you wish to buy. However, the rules become a bit gray when you only work from home using a computer.

When in doubt, ask your insurance advisor. They will know whether you need to buy add-on insurance coverage or not. Remember, the additional coverage you are buying is not just for you but for the investment you put into your home and business from home.

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3 weeks ago · by · 0 comments

Comparing Home Insurance: How Do You Do It Right?

When you are looking for insurance policies to compare, it is fairly easy to overlook the important aspects of the policy that you shouldn’t miss out on. There are so many policies offered by various insurance companies, and it may seem as if they are offering the same thing, but they are not. Every home insurance policy is different, and there are some that may sound more appealing than the others. However, your choice shouldn’t only be based on what’s more attractive. Rather, your choice should be a product of careful consideration on all the important aspects.

So how do you compare insurance policies the right way?

· Decide on What Coverage you Want

You are buying home insurance to provide your home with the protection it needs. You should be able to determine how much it requires you to rebuild your home. Remember that you are buying insurance to cover yourself from the risks that you might encounter financially. To a degree, you must consider all the circumstances that could put your home’s safety at risk and bank on that.

· Stop and Compare Policies

Every insurance advisor knows the importance of comparing insurance policies. It is a must that you compare like-for-like policies. Otherwise, it would be useless to compare the quotes you got from insurance companies because they don’t stand in comparison to each other. Check the maximum claim limits for both the building and the content. Make sure they cover at least the ones you consider a need.

· Look into the Excess

Most policies offered by companies come with what they consider the standard coverage. However, some insurance programs come with an excess of what is standard. Carefully read the extra because it usually includes the list of most of the claims that are filed by homeowners. You might be happy to read about the excess that your preferred insurance company offers and it might convince you even more that you made the right choice.

Remember that failing to compare the home insurance policies could result in you to buying the wrong coverage at the wrong price. When you make a claim, you might end up disappointed because it is not the one you expect to get. The insurance policy you bought isn’t what you thought it was and that means a lot of trouble for you. Make sure to compare, that’s the best way to do it.

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4 weeks ago · by · 0 comments

Home Value: How Do You Add To It?

Did you know that many homeowners think about buying a new house right after they get back from the long out of town summer trip? Their exposure to beautiful homes and extravagant hotel interiors got them thinking about their home. This is a fact born out of a statistical study that shows how September seems to be the busiest month of the year when it comes to real estate. It is the time of the year when a lot of homes and properties are put on sale.

Though the increasing moving costs seem to discourage a lot to get their house sold to move to another property, there are still those who seem to give in to the temptation. But is it worth in? Insurance advisors say that homeowners might be better off keeping their house and just work on improving it. Spending money to recreate your property to achieve the interior and exterior design that you want may mean more savings for you in the long run.

But how do you add value to your property without moving? Here are several tips you can try depending on the type of home you currently have:

· Loft

Have you ever thought of converting your loft to a much bigger space with an additional bedroom? Adding the extra room in the roof space will not only mean extra space, but it could mean a more cost-effective improvement on the space you currently have. Not only does the extra space add value to your home, but it improves it in more ways than one. A typical conversion may cost you’re a couple of thousand dollars, but it will up the value by as much as 20% or even 50% if you live in a busy district.

· Kitchen

The kitchen is the heart of every home, and it is crucial to most home buyers that the kitchen has enough space for everything they wish to put in it. Whether you put your home for sale or you want to keep it, renovating the kitchen is one of the best projects you can take on. The cost of a kitchen renovation may start from a $1,000 or higher depending on the design, but it will be worth it regarding increasing space without the hassle of moving to a new home.

Your home is your haven, so you want to make sure that it gets the best protection. Remember to consider talking to your insurance provider about the renovation you are planning to review its coverage in your existing home insurance.

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4 weeks ago · by · 0 comments

Which Type Of Home Insurance Should You Buy?

From renters to homeowners, everyone needs a home insurance policy to protect their property and everything in it. But if it’s your first time to buy insurance, it is important to compare home policies that insurance companies provide. Each type of home insurance program is different from the other, and it is not just the cost that you should consider. You should look into the program and the coverage that they offer, not to mention the additional coverage you may require.

The amount of coverage that you require depends on a lot of different factors including how much your possessions cost, whether you own the house or you’re renting it and the size of the property you wish to insure. The two most important elements that every home insurance policy covers are the building structure as well as the contents of the property. These two factors can be brought together in one policy or can be bought separately, whichever you wish to ensure first.

When talking to most insurance representatives, they will often offer you a policy that covers both. Buying them under one insurance policy is the most efficient way to purchase a home insurance. Not only are you assured that both the house structure and the possessions are covered, but you are saving yourself from time and effort needed to find another comprehensive policy as such. However, the specifics of the policy of every home insurance provider vary and you have to know the difference of one from the other to be able to buy the coverage that you need.

The type of insurance program you should get depends on two things – how much you are willing to pay the monthly premium and how much you need to rebuild your home from scratch. There are standard coverage specifics that most home insurance program cover, but there are other elements that are specifically present only in certain home insurance programs. To a degree, how much you are willing to spend in a month for insurance is the deciding factor. You can tell by the monthly premium if your insurance is as comprehensive as you want it to be or not.

Which home insurance program should you buy? Only you can truly decide. With the help of an insurance advisor, look into each program, evaluate the conditions of coverage, and decide on how much you can pay monthly. By then, you’ll be able to know which program best fits your needs.

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1 month ago · by · 0 comments

Underinsurance: Is It Worth The Risk?

Are you cutting your insurance coverage by half to spell out savings from your end? When everybody else seems to be doing it to their home insurance, one cannot help but think and consider doing it for themselves too. At a glance, it may seem like the most logical thing to do as you convince yourself that your careful use of your home will make sure that it does not fall victim to a disaster. But that’s the sad part about accidents or theft – you’ll never know when it’s going to happen.

Under insuring a property has become rampant among homeowners because they think it is the most efficient way to cut the premium cost down. However, lower insurance coverage could lead to significant problems in the future, especially when you are making a claim. Sadly, underinsuring the property that you value the most may mean not getting the best value for coverage that you deserve. Unfortunately, it may lead you to replace your most valued possession with something less, and more inferior items.

Insurance companies carefully evaluate your conditions. When it seems to them that you are more at risk than you claim to be, they recomputed your home insurance policy and charged you for the higher insurance premium. This is not only a good business move on their end, but it is beneficial for the homeowner like yourself. The top insurance premium will mean better coverage for you. Insurance companies only want to make sure that you have enough to cover all the needs that you have in the future concerning the rebuilding of your property.

A homeowner may consider under insurance as the better option thinking about the conditions you have set for yourself. However, as an owner, you must take into account that buying home insurance is not just for the sake of due diligence. It is an investment you are making for yourself and for the people you love. With the right insurance coverage, you can consider all the risks that may come your way and not worry about what will happen.

Under insurance should never be an option, even if it means a few dollars of savings today. After all, under ensuring will give birth to problems in the long run and that’s something that you want to save yourself from.

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1 month ago · by · 0 comments

Home Insurance Mistakes That Will Cost You

While most homeowners would only consider buying insurance coverage, comparing quotes has become one of the most important steps before making a purchase. Can you imagine yourself filing a claim and being denied, leaving you with the financial burden on your shoulders?

If the claim you’re making is a rather small one, it won’t be a problem, but what if it is for the house that got burned down in the fire, what will you do? What will happen if your insurance provider does not provide you with the money you need to have your home rebuilt from scratch? Here is a list of what you can do to avoid the insurance mistakes that could invalidate the policy or the claim:

· Locks

What kind of locks did you have installed in your windows and doors? You need to provide the insurance company with an accurate description of the type of locks that you had installed. Otherwise, you might risk invalidating the insurance coverage. Forgetting to get the key from the lock or not shutting the windows down could mean that your burglary claims can be denied. There won’t be any evidence of false entry, and you might just forget about getting all your stuff back.

· Social Media

Are you fond of using the checking in the application in social media? Announcing that you are away and how long you’ll be gone can put your home at risk. Insurance providers have become increasingly attentive to social media users, especially those that are insured by their company. Such announcements make homeowners vulnerable to theft. Whenever they do claim because of theft and a post on social media says that they were away, an insurance claim might be turned down altogether.

· Extended Vacation

Did you know that going on a vacation can put your insurance at significant risk? A planned vacation of one month may be okay, but an extension of such vacation plans making it longer than usual might cause you to lose coverage of the claim. Most insurance companies set a limit as to how long a property can be left empty by its owners. If you plan to have long trips, talk to an insurance advisor to know if extra coverage may be needed. A house left empty for long stretches could be at greater risk for theft.

These mistakes can be made by practically any homeowner, especially those who know little about the policy they signed up for and the rules that the insurance company has set. It is important that you stop to read through the policies of the coverage to make sure to avoid such costly mistakes in the future.

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1 month ago · by · 0 comments

Home Insurance Considerations: What You Need To Remember

Every homeowner who considers buying home insurance coverage does their research. They do their study about the policies offered to them as well. However, this doesn’t mean that they have covered all the contingencies. Even the most learned customer can get fixated on the idea of getting the best value for less. It is pretty easy to assume that some things are covered while others get easily convinced a coverage they don’t need.

The biggest mistake that most consumers make about the insurance policy that they purchase is the price of the coverage. Most home owners think that all insurance policies are the same, but they are not. Some offer more coverage than the others. Some are sold for much less because their coverage is not as comprehensive as the others. Experts suggest that homeowners work in close cooperation with an insurance expert to evaluate their needs accordingly. These insurance advisors will also help determine insurance policies that will be best for them.

Have you thought about how much you would need to replace your home? It is important that you know exactly how much it would require you to rebuild that home that got destroyed in a disaster. Getting the right coverage for your home is important because it is the only thing you have when all else is gone. However, it is important that homeowners understand that the policy may not cover the renovations and other changes they have made to their home after it has been insured. It is best to ask about the specifics of the changes and its implications to the insurance coverage.

Although it may seem as if the most popular of insurance policies cover exactly what you need to replace your home, it is still important to consider an individualized home insurance. Such approach will help determine the real need that you have based on your exposure, risks, and lifestyle. Talking with an insurance evaluator should prove helpful in this aspect knowing that the coverage you are buying is the one that has considered all your needs.

Insurance policy rates may be a bit high, but it only means that you are going to get the coverage that you require. A few hundred dollars of savings on insurance today may mean a huge problem for you in the future. It is best to get the right insurance coverage based on the assessment of your needs that suffer even more when it seems you have already lost your home and everything else necessary.

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1 month ago · by · 0 comments

Home Insurance: How To Avoid Falling In Insurance Traps?

Do you feel awkward whenever home insurance representatives are trying to catch you out? Not all of them are. However, there are some who are out there to get your money, and that’s what you have to be very careful of. The smallest oversight on your end could lead to non-coverage if something goes wrong, that’s why it is important that you have a full understanding of the home insurance coverage before you sign the contract.

For instance, an incorrect estimation of the total amount needed to repair or rebuild your home could make you lose everything you have worked hard for. If you got tempted to seek smaller insurance coverage to pay less for the insurance premium, then you are up for some catch. You might end up with very little when something goes wrong, and it might not be enough to rebuild or even repair your home.

Insurance advisors will tell you of these things that you need to consider to avoid falling in insurance traps of companies who don’t mean well:

Accidental Damage

Does your home insurance policy cover accidental insurance? Damages that result from forgetting to turn off the faucet or breaking pieces of furniture are usually not part of the home coverage you sign up for. Although most companies have them as add-ons to the base insurance that you purchase, it may mean additional cost on your end too.

High-value Items Indicate High Risk

In addition to the overall coverage you put in your home, it is best to ask about coverage for high-value items like laptops, jewelry, art pieces and other items of value. For those articles, insurance companies might require you to provide specific details for each including the price and other description that may be used to identify the item. Highly expensive items may push the premium rate up. Insurance advisors may tell you to seek a separate insurance coverage for those articles whenever they deem necessary.

Personal Possession Coverage

Will the insurance company include coverage for items of personal ownership? Some insurance companies may charge you for the coverage of the laptop you use for work, and it might mean extra cost too. It is best to compare the home coverage policy with its inclusion and a separate system dedicated only to such personal items. Whichever is cheaper will spell out savings for you.

Buying home insurance requires careful thinking to lead to good decision making. It is best to seek the help of an insurance advisor to learn more about how you can make the right choice.

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2 months ago · by · 0 comments

Five Steps Every First-time Home Buyer Must-Do

Have you had it with increasing rental rates almost every season or roommates who don’t seem to know how to respect personal space? Whether it is about these issues or the low mortgage rates that banks are offering, now might be a good time to consider buying your own house. Take the first step and make it happen with these steps in mind:

Step 1: Check and Compare

Do a search of the new home developments in the area and compare the cost of each one. When you do your share of research, not only will you be able to discover homes that can be bought for much less. In the process, you will also learn more about mortgage and home insurance policies that you also need to consider to keep your home safe and protected at all times.

Step 2: Ask About the Total Cost of the House

Your knowledge of the full cost of the house including all the other fees that the bank or any financial institution will charge should help you decide whether you can afford it or not. Moreover, it is easier to decide on which house to buy because you know which one of the models that you like is something that you are likely to afford with your pay.

Step 3: Inquire About Insurance Policies

Every house should be insured because every family deserves a home. No matter what the cost may be, it is important to consider buying home insurance coverage because the risk of accidents will always be there. With the right insurance policy, you will be able to assure yourself that your home and everything in it will be protected no matter what happens.

Step 4: Look at your Budget and see how Buying a House can Fit in

Buying a house is a huge investment that should not be taken lightly. Carefully consider its financial implications on your part to ensure that you won’t miss out on payment schedules and end up paying more because of the interest.

Step 5: Talk to a Financial Advisor before Making any Final Decisions

A financial advisor will be able to help you see things in a more financially secure situation. It is their job the help you understand the obligations you are getting into and the implications it may have on your spending habits and living expenses.

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2 months ago · by · 0 comments

Home Insurance Knowledge Is Power

Did you file another claim for the window that got broken during the storm? Although its repair won’t cost you much, still, you decided to file a claim, so you won’t have to pay for anything. After all, that’s what insurance is all about, you say. If you did claim another claim, no matter how small or big it may be, can cause you a huge insurance policy rates upon renewal. All of your claims will be noted in your history causing insurance providers to think that you are at greater risk for filing future claims.

To avoid any unpleasant surprises, policy holders must carefully read the policy and understand its implications. What happens to the policy holder whenever they make a claim? What is its effect on the overall coverage of the insurance? Only an insurance advisor will be able to explain all the specifics of the policy including the consequences of making too many small claims. It is best to talk to them before the purchase of the system or before you file a claim.

If you have home insurance, it is best to understand its major points up front – before any claim is made – to prevent problems later. Here are three insurance facts you must know:

· Small claims can cost higher insurance policies upon renewal. If you are fond of making small claims to your insurance provider, be prepared for the increase in insurance coverage in the coming year. Small claims can make insurance companies feel wary about the significant potential claims you can make. Not only does it pose a risk on their part but it could mean losses too.

· When making a claim, it is important to get a report of what happened. A police report could help justify the claim and the amount needed to fix the problem. Without a report, insurance companies take the time to process the request as they will have to find justification for it.

· The claims that you make will pile up and will be attached to the customer risk profile that insurance companies have. Every small claim that you make could add to the danger that surrounds your policy, making insurance companies think twice about ensuring you again.

And yet beyond all this, it is important to make a claim when necessary. After all, that’s what home insurance is about – making a claim when the need arises.

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