Whether you're looking for insurance quotes for auto, life, travel or health you can find some great rates on the Internet. Insurance quotes coverage can provide peace of mind and also financial coverage in the event that something untoward happens. [ @ Home Insurance ]
Originally health insurance in the United States took the form of a voluntary program. Such programs date from about 1850, when health insurance was provided chiefly by cooperative mutual benefit and fraternal beneficiary associations. Insurance quotes can now be obtained online from the Internet. [ @ Home Insurance ]
Insurance quotes for life insurance, originally conceived to protect a man's family when his death left them without income, has developed into a variety of policy plans. In a "whole life" policy, fixed premiums are paid throughout the insurer's lifetime; this accumulated amount, augmented by compound interest, is paid to a beneficiary in a lump sum upon the insured's death; the benefit is paid even if the insured had terminated the policy. [ @ Home Insurance ]
When looking for individual health insurance or other insurance quotes remember that "Individual" refers to the person buying the coverage, but the individual health insurance covers your whole family. You may have to pay more for your coverage than if you were part of a large organization, however it is possible to locate bargains that actually save you money over what you would have to pay if you simply left a company and picked up the cost of your COBRA. [ @ Home Insurance ]
Many people today have opted to be self-employed which carries the added necessity of acquiring individual health insurance for them and their families. Consider it a necessary expense that will actually save you money in the long-term. Insurance quotes can now be found on the Internet. Get a free insurance quote and you'll find that you can save some money. [ @ Home Insurance ]
Locke pleaded guilty to trying to claim money on her home insurance through deception two months ago and has now been sentenced to a 12-month suspended sentence and 150 days unpaid community service.
The news follows a police crackdown on bogus home insurance claims in Croydon, with police having made more than 70 arrests for the offence since January.
"Detectives have investigated over £30 million worth of crime over a 21-month period"Arrests were made in : Oxfordshire, Worcestershire and Gloucestershire.
"The crimes being investigated include some of the highest profile and highest value burglaries this country has ever seen."
In general, children do not need life insurance. Since children typically don't have either income or dependents, life insurance policies for them are usually not necessary. There are a few unfortunately exceptions such as funeral arrangements can cost thousands of dollars, and if you don't have the money to cover that expense, life insurance can be useful. Consider buying a small term policy just to cover burial and funeral expenses.
Buying insurance for a child ensures the child's insurability later on in life ( For example: your child develops a long-term illness such as diabetes, getting her insured will be difficult. But if your child already has coverage, you can retain the policy).
To really safeguard your children's future, invest in a college fund and make sure that you are insured.
This way :
1. You need need replacement cost insurance (If you want the full value of your lost or distorted items), this can cost 10% more.
2. Make sure your insurance policy has an inflation guard.
3. Prepare for natural hazards - the extra insurance for that will cost you about $40-$50 a year.
4. Get ordinance and law coverage (If you have a older home, this insurance will cover the cost of rebuilding your home to meet building code upgrades and construction regulations.)
5. If your home is damaged to the point where you can't live there for a while, your insurance should pay for your hotel room and meals. Almost always you can increase this coverage for an additional premium to your policy.
Remember:
This 5 tips will get you more coverage but will cost you more.
Some insurers offer up to a 2% premium credit if you have a live-in employee as they feel it could reduce the likelihood of burglary.
You can usually get discounts of at least 5 % for a smoke detector, burglar alarm or dead-bolt locks or 15 or 20 % discounts if you install a sophisticated sprinkler system and a fire and burglar alarm that rings at the police, fire or other monitoring stations.
Always check with your insurance agent any discounts you qualify for, and to see if you can save any more on premiums by installing sophisticated and expensive security equipment. Ask your insurer what it's recommended, how much would cost and how much you'll save.
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$299 - Includes 60 cable and 4 wide angle cameras with microphone and view up to 4 locations simultaneously on a 14-inch monitor
$2,276 - Video motion detection with night vision cameras, Real-time audio and video recording, Remote surveillance, remote playback and remote configuration over the Internet
This is especially important with a homeowners policy. It may have cost you $100,000 to build your home 10 years ago, but it might cost $120,000 to replace it today. As inflation increases the cost of living rises. Suppose the present rate of inflation is 3%. What that means is that the goods you could buy last year for $100 this year will cost you $103, next year $106, and in ten years time $134.
# Inflation Calculator # uses the average Consumer Price Index for a given calendar year and for the current year it's used the latest monthly index value.
Caused especially by :
- demand is growing faster than supply and prices rise
- when a company’s costs go up it needs to increase prices to maintain its profit margins
Unanticipated inflation means problems. Creditors (lender) lose cash and debtors (borrower) gain money if the lender does not anticipate inflation correctly.
Bogus home insurance claim
Home insurance is needed everywhere
Life insurance for kids
Enough insurance coverage for your home
Tip: Live-In house keeper
Tip : Non-smokers and early retiree dicounts
Tip for home insurance discounts
Why Inflation is Important
Earthquake insurance