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2 years ago · by · 0 comments

Myths About Insurance

When it comes to insurance, it is very easy to believe what we hear. Perhaps you have spoken to some family and friends about it. Most of them must have told you how seemingly impossible the coverage is. At some point, you can no longer differentiate the facts about insurance you learned from financial advisors and those myths that you heard other people say about insurance. And to honestly see the value of investing your money on home, car and business insurance, debunking the myths should be the first step to it.

Myth 1: Insurance Companies don’t Live up to Their Payment Plan

One of the worst fears of anyone who has put money in an insurance company is not to be able to get it when they need it the most. To think that insurance companies won’t pay out is a myth. Although there are some cases when the insurance company may refuse to pay, it is done for particular reasons. The common reason for the decline of the request is the non-disclosure of the client of valuable information. If you are not sure whether the information you have yet to provide is relevant or not, it is best to talk to an insurance advisor.

Myth 2: It’s okay not to Spill the Beans

If you think that it’s okay for you not to disclose all the information to your insurance company, to help keep the premiums down, then you are not helping yourself. In fact, you are putting yourself at more risk of not being covered by your insurance. It is necessary for you to spill the beans and tell your insurance provider everything that they need to know to strengthen your coverage. It is only through this that your investment becomes genuinely safe.

Myth 3: Insurance Coverage is Expensive

Can you imagine losing everything you worked so hard for after your home was put down by fire? Without insurance, you can only wish the heavens could give you enough money to rebuild your home from scratch. But that is just next to impossible. Weigh out the cost of insurance and the coverage that it provides. From there, you will see how precious it is.

If you are still not sure what type of insurance coverage to get, it would be best to talk to an insurance advisor. They can help you make the right choice.

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2 years ago · by · 0 comments

Should You Get Flood Insurance Too?

Has flooding become increasingly common in the area where you live? Apart from the heartache of seeing your hard-earned property get damaged right before your eyes, it is the also that cost of clean-up that can be very heavy on the heart and the pocket as well. If you live in an area where flooding has become common, it is best to get additional flood insurance as an add-on to your home insurance. Luckily for you, there are several insurance companies offering flood insurance coverage. Finding one has become easier than it was before.

What does it mean to have Flood Insurance?

If you have building insurance, damages as a result of flooding is a standard part of the package. However, it does not cover the damages the flood could cause the contents of your property. Unless you have insurance for the contents of your home, then you likely need additional flood insurance to make sure that everything is covered. What does it mean to have flood insurance? Here are some of the instances when they become useful:

· A river or canal bursts in its banks and your property becomes one of the victims.

· The flooding of seawater due to adverse weather conditions in the area.

· Groundwater was coming up the surface as a result of substantial rainfall.

What can you Expect to form Flood Insurance?

Dealing with the after-effects of the flood can be exhausting, but knowing that you have insurance to cover the damages if more than comforting. In particular, flood insurance includes the following:

· The removal of debris left in your place.

· The fees of professionals such as architects, engineers and even surveyors to make sure that the rebuilding of your property is done right.

· The repair of broken furniture or the replacement of them when needed.

· Repair, restore or replacement of everything else that the flood left damaged.

However, there is a considerable part of the flood insurance coverage that you also need to understand. It is best to talk to an insurance advisor for the specific concerns that you may have. It is important to remember that the insurance company will only pay out depending on the contents of your insurance as well as the cost of your coverage. Ask the insurance company if they follow the “new for old” policy. Other than the cost of getting your clothes replaced where usually a wear and tear deduction applies, most plans offer new for an old replacement policy. Ask, and you shall get answers. It is the best way you can get your home, and everything in it protected from the worst like damages brought by the flood.

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2 years ago · by · 0 comments

Do You Need Building Insurance?

Did you know that your home is considered a building? If you are the owner of you’re a house, insurance companies consider the home structure as a building. Thus you will need to purchase insurance coverage for its protection. The coverage will cover the damage, as well as the repairs, are necessary to get it back to its original state. However, if you are renting it out, it is your responsibility as the landlord to get insurance coverage for it. Tenants of your home structure are not required by law to have the house covered by insurance.

Unlike car insurance, home insurance is not compulsory. It means purchasing it depends a lot on you. However, if you are the owner of the property, buying home insurance should be on top of your priorities list. To learn more about what you are buying for your home, here are some of the questions that you may have and the answers straight from insurance advisors:

What do I Need to Know About Home Insurance?

Home insurance is an umbrella term that refers to two types of insurance policies. First, it relates to the building insurance. This means that the insurance covers the actual structure of the home. The permanent fixtures, as well as fittings of the house like the bathroom and kitchen, are all covered by insurance. On the other hand, the same term also refers to the content insurance. This type includes everything you keep inside your homes like furniture, personal belongings including the type of flooring and the carpet too.

Can I Buy Both Insurance Coverage at the Same Time?

Though you may buy these two separately, most insurance advisors recommend that you buy both. A joint policy from the same insurance company can also spell out savings on your part. Usually, insurance companies offer special rates if you purchase more than one policy under them. If the company provides business and car insurance policies, then that might be an excellent way to save on costs too.

What do Building Insurance Cover?

Falling trees, vandalism, fire and water damages caused by leaking pipes are just some of the situations that most building insurance cover. Depending on the policy you got, additional external structures like outside walls, fences, and even your garage might be covered by insurance too. To be sure, ask the insurance provider for the specifics.

Do you need to buy building insurance? If you own a home or a building you rent out, it is best to make this purchase. After all, your mortgage application will usually add this as a condition. Moreover, it is the protection of your property that you should be after.

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2 years ago · by · 0 comments

Insurance Brokers: Three Reasons To Choose Local

Finding the right Sherwood Park insurance brokers to trust with your future can be quite a challenge. Credibility is the number one factor to consider when picking one. Do you trust the insurance advisor you have spoken to? When it comes to choosing the insurance advisor for your personal and business insurance needs, it is essential that you find someone who understands your needs and tailor fits the insurance coverage based on the risks that your condition comes with.

If you are already looking at hiring a local insurance broker, then you are on the right track. Here are three reasons why you should trust them.

· You have one Contact Person for all your Insurance needs

Although buying insurance coverage from across the country can be tempting, it is important to consider buying from the local industry. You will only have one contact person for all your insurance needs. If you have questions about the car policy or the details of the home insurance, you can quickly get the answers from someone you trust. Being passed around from one advisor to another won’t do you any good. It will only make you feel less valued than getting answers to your queries may take longer than you imagine. Having direct access through a local insurance advisor will hasten the process, saving you time and effort.

· Regular Communication is the key

Insurance may be something you deal with on an annual basis; usually, for renewal of coverage, there might be a couple of situations when you will need to know what your insurance advisor thinks. Having a local insurance advisor assures you of a personal service, which means having regular contact through emails or phone calls to check on how everything is going. Insurance advisor will genuinely provide you with assistance that shows how much you and your business concerns are of great value.

· Queries will be Answered and Clarified Quickly

You have recently had a minor renovation done at home. You want to know if your current home insurance covers accidents that may occur in that part of your home. Queries as such can be answered if you are working closely with a local insurance advisor. With expertise and knowledge, these advisors can provide you with you much needed support to ensure that you buy comprehensive insurance considering all the risks in place.

If you would like to learn more about insurance, make sure to approach anyone from Sherwood Park insurance companies. They’ll be glad to help you.

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2 years ago · by · 0 comments

Small Claims: Can Your Insurance Company Cancel Coverage?

Every month, you make sure that you send out payments for your home insurance. Although some friends of your told you that paying for home insurance is like putting away money into something you don’t need, you still religiously paid for it. Buying home insurance is a smart move. While everybody else thinks that it is not essential, the value that it comes with is realized only when you need it, but you don’t have it.

However, what many homeowners think is that having insurance should be used to an extent. For example, while moving the television from the second floor to the first level of your home, you slipped, and the television unit fell. You now have a thousand dollars worth of junk on your living room floor. You call the insurance company, and you file a claim for it. Insurance pays you, and you’re happy. Such types of claims can be considered small claims.

You repeatedly file for small claims thinking that it is the only way you can get even with your insurance provider until the day comes when you receive a letter from them saying that they are no longer offering you the renewal of the home insurance policy that you get from them. This may come as a surprise to you, though it shouldn’t. In fact, getting the non-renewal letter should be something you expect, primarily because of the series of small claims you have made.

The truth is pretty simple. The insurance company sees you as a dangerous risk. In a short period, you have managed to file several small claims. This is something that most homeowners must know. Home insurance coverage serves both minor and significant claims, but insurance companies consider these things as an investment too. The more claims you file, the higher the risk you are for the company to lose money. It is likely that a significant claim is made which could be a result of small accidents that happen in the house.

Homeowners buy insurance because they want their home and their belongings to be protected from fire, flooding, and even theft. Filing for a claim is always a tricky business. Too many claims can lead to an increase in your monthly premium, non-renewal or even cancellation of your homeowner’s policy. So before making a claim, make sure to think long and hard. Remember to consider the value that comes with the claim you’re making. Is it worthy?

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2 years ago · by · 0 comments

Auto Insurance FAQs Answered!

What does your auto insurance include? If you have to scan through the copy of the policy that you have from time to time, do not fret? Most car owners know very little about the specifics of their car insurance coverage. There are a whole lot of facts about car insurance that a lot of people do not know. Having an insurance advisor by your side can prove to be most helpful in figuring out what type of car insurance coverage you have and whether or not the accident you’ve recently been in is part of that coverage.

If you’re confused or unsure about what you think you know about your car insurance policy, here are the top frequently asked questions about it. Some of the issues on this list might be your questions too. The answers that come with each one describe what a regular insurance coverage includes.

· Should I get More than One Insurance Quote?

Finding the right auto insurance coverage may be easier than finding the right home insurance policy. However, it does not mean that you should only settle for one company. Getting numerous insurance quotes from various insurance companies should give you options. Moreover, it shall make you the opportunity to learn more about what insurance companies can provide and what they cannot.

· What if I Tweak my Driving History a Little?

When insurance companies find out about the “white” lie that you committed, you can be charged with soft fraud. In such situations, insurance companies can deny you of insurance coverage and cancel the policy altogether. In the end, you’ll lose more money than you thought you could save with the white lie.

· What does my Auto Insurance Coverage Include?

The most basic auto insurance policy covers your car and the damages that it may incur during an accident, including other vehicles that may have been involved in the crash. Also, it includes a limited number of items that are found in the vehicle that may have been stolen or broken during the accident.

· Is it Mandatory to get Auto Insurance?

The government requires all vehicle owners to get at least the most basic of car insurance coverage. This is an extra step taken to protect all vehicle drivers, passengers and the like. To make sure you have the right insurance, it is best to talk to an insurance advisor about it.

The consequences of not having the right insurance coverage or not having car insurance at all are often understated. Sadly, it is usually late when people realized they should have invested in car insurance with the right amount of coverage.

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3 years ago · by · 0 comments

Types of Insurance Coverage

When you buy insurance, do you ask what the policy will cover? Perhaps not. In fact, most car owners who buy car insurance don’t take the time to ask the details of the plan they sign up for. Sadly, most of them end up disappointed whenever they get into an accident, and they expect their car insurance company to offer them help but doesn’t. They are told that their policy does not cover the help that they need, that’s when they regret not reading the policy at all.

If you don’t want to end up like the many others, here are the types of insurance policies and the coverage that they provide.

•    Bodily Injury Liability – it covers both injury and death claims filed against you in case you get involved in an accident, and someone else gets seriously injured or died. This is the coverage that you get when the work that you do puts your life and the life of others at risk. This is also the best coverage for those drivers who love the thrill of speed driving.

•    Property Damage Liability – this is the type of coverage that will provide financial assistance to those whose properties are damaged because of the accident you’ve been involved in. The liability coverage protects the other party; it is important that you get this one too.

•    Your insurance company covers Medical Expenses – All medical payments that need to be made to cover treatment for you and the people inside your car. Some companies refer to this as a personal liability coverage because it involves the owner of the car and everyone who was inside it during the accident.

•    Collision Coverage – this is the coverage that protects the car up to its current market value. This coverage involves a deductible, the amount that you will shoulder before the company gives you its share. While this is often optional, most lending companies require their borrowers to have collision coverage just in case.

Some insurance companies offer a variety of coverage programs that covers the other aspects of a possible car accident. However, the list above shows the essential coverage that you might want to consider talking about with your insurance provider. When you’ve got all these covered, you won’t have to worry about not getting enough help when the need arises.

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3 years ago · by · 0 comments

Insurance Overpayment: How Do You Keep Yourself From It

Are you getting the coverage that you are paying for? No homeowner will ever really know if they are without the help of a reliable insurance advisor. In truth, people who buy insurance for their cars and homes do so to keep themselves from paying for everything to have their home and cars repaired in case of an accident.

How does one avoid paying more for their insurance than they have to? Here are three ways to do it:

  • Buy Insurance in a Bundle.

You need to purchase both car and home insurance so why not buy it from the same company. Although some companies may claim to have better coverage for your car than the company where you buy your home insurance, it pays to look at the difference. Then, compare it to the savings you’ll be getting if you buy both policies from the same company. Remember, buying an insurance bundle is worth more for less.

  • Consider a Home Improvement Project.

Are you looking at having security cameras installed in and around the property? Now might be a good time to go for that project, before you sign up for any insurance policy. These projects do not only beautify the home, but they also lessen the risks that make your home vulnerable. You’ll be surprised at how much savings you can get from your policy after those cameras have been installed. It’s good money to put away for future savings.

  • Update the Policy Accordingly.

Whether it is about the new terrace you added of the expensive jars you shipped in from Italy, it is best to have your insurance updated immediately to cover all the changes that you made in your home within the period it covers. When you revise the cost of your belongings each year, not only will you get coverage, but you are sure to get huge savings in the long run. All that is valuable to you are covered by the policy and at the price that you want them for.

While most homeowners think that they are getting the coverage that they need, some fall prey and pay more than what they should. And then homeowners begin to ask if it were even possible to save money on insurance. If they consider the other factors that come into play before they sign up for an insurance policy, they might just save themselves from a trouble and a lot of money too.

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3 years ago · by · 0 comments

Three Auto Insurance Myths Revealed

How much do you know about auto insurance? Apart from the fact that it is something that the government requires from every car owner, it also means additional cost to your monthly expenses. Perhaps the only reason why most car owners would go for the cheapest insurance is because they know very little about how important it is to buy the right one.

So before you end up buying just any insurance policy, here are three auto insurance myths and the truth behind them:

  • There’s only the need to shop for a new insurance policy when the current one is about to expire. Most people think that when they buy their insurance coverage, they are bound to it for the rest of the year. But in truth, you may cancel the insurance at any time, but subject to fees and other charges by the insurance company. Most of the time, the company charges about 10% of the unused coverage. Make sure to compare potential savings before you make any cancellations and make the switch.

  • The color of the car says a lot about the cost of the insurance policy or so they thought. Whether you choose to own a red, white or a black car, it doesn’t really matter. What really matters to insurance companies is the type and model of car you choose to drive. Driving a sports can could mean higher insurance premium for you every month. The computation of the rate is based on how much the insurance company will need to spend to have the vehicle repaired in case it gets damaged.

  • Older people pay higher insurance. It is true that insurance companies look into the driving records and use it as one of its basis in the computation of the monthly premium, but your age does not matter. Your driving record does. The number of traffic violations that you got throughout the years may pull your insurance premium up, but it is just one of the many other factors that are considered. Some older people with clean driving records pay much less than a newbie in driving who’s got a long list of traffic violations.

When it comes to auto insurance, it can be quite easy to simply believe what we are told. However, when you do your research, you will discover the many different ways you can save on insurance costs.

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