Tag Archives: Personal
Protect Your Personal Property With Home Contents Insurance
Protect Your Personal Property With Home Contents Insurance
It would surprise you to know how many homes have all the latest in technological gadgetry, yet have failed to insure the contents of their home against the event of either a burglary or damage. If you want to protect your personal property, you need to be insuring your personal property with a home contents insurance.
What To Insure
You can arrange to insure any (or all) of the contents of your home under a home contents insurance policy. Nevertheless, if you have any personal belongings in your home over a certain £ value, then you should be discussing these with your home contents insurance provider – as in most cases property over a certain value needs to be declared independently (and, in certain cases, such as with expensive diamond engagement rings, they may need to be insured independently).
Itemise Your Possessions
Once you have decided that you want to purchase home contents insurance you need to take an inventory of your home, itemising all of the possessions in the home. A really good tip here is not to move all of your possession into one room and then itemise them, but to go from room to room doing this. This way, your inventory will be broken-down into rooms, should damage or theft occur only to a part of the home. Better yet, you should try to walk through your home with a video camera videoing all of the possessions in that room. You can then keep a copy of the video with the inventory. However, if you do not have a video camera, still-camera photographs of your possessions is better than taking no photographic evidence at all.
How To Value Your Possessions
It is vital that you remember that home contents insurance is insurance against the replacement value of the item that was lost, stolen or damaged. It does not take into consideration any nostalgic value. Therefore, if you have expensive personal property in your home, you should arrange to have these independently valued – preferably by an insurance approved valuer – and a copy of the valuation receipt should be kept with the insurance policy. The value of the other items in your home can either be assessed by the price it cost you to purchase them; or, better, by taking a trip down to the local shops and seeing how much each of the items would cost you to buy – as this is the amount you’ll be paid if the item is lost/damaged.
How To Arrange The Home Contents Insurance
Once you have valued and itemised the possessions you want to insure you can then log onto the internet and get some online home contents insurance quotes based on the value and possessions you want to have insured under the insurance policy.
What Will The Insurance Premium Cover
Ordinarily the insurance policy will cover you in the event that the possession insured is lost, stolen or damaged. Damage in this case can be the cause of a natural event, such as a bad storm or flooding, or a because of a boiler bursting. You should also read your policy carefully, as some home contents insurance policies cover items which are lost outside of the home – for example, if you are transporting them in the car.
Cheap Health Insurance rates and personal health insurance.
Cheap Health Insurance rates and personal health insurance.
If you’ve been out of school for a couple of years or perhaps just graduated from college, you’re probably a candidate for cheap health insurance. Once a person reaches a certain age they’re no longer covered by their parents health insurance plan. If you’re just starting out it’s important to find cheap health insurance coverage. If you’ve just graduated from school or just started work and you don’t have coverage, don’t be tempted to forgo this necessary expense because you never know when an accident can happen. Most people are looking for modest coverage but also want some essentials. Generally, when a person buys their own coverage, they tend to favor high deductibles to save money on the cost of premiums.
Personal health insurance, Cheap Health Insurance and low cost health insurance rates.
Even if you’re on a tight, limited budget, it’s very important that you pick up some kind of cheap health insurance. Even if you only have a plan that covers unexpected hospitalization, your peace of mind will be greatly enhanced. Keep in mind that a catastrophic health insurance policy can come with a high deductible before their coverage kicks in. They don’t pick up the cost of preventive physician visits or emergency room visits to get a few stitches.
Some questions to ask when considering cheap health insurance.
1) Can your and/or your family afford to pay ALL your medical expenses if you’re sick or injured?
2) How much is the deductible?
3) Can you afford the deductible?
With a little searching and comparison shopping you find the best rate for your personal cheap health insurance.
Does The Coverage And Deductibles You Have On Your Personal Auto Policy Apply To A Rental Car?
Does The Coverage And Deductibles You Have On Your Personal Auto Policy Apply To A Rental Car?
When you rent a car, there’s always that moment of truth, the moment when the salesperson asks you if you would like to purchase insurance (or more accurately, a loss waiver) through the rental company. According to most of these salespeople, if you do not purchase the insurance (which can bump the price of your rental up per day or more) the consequences for the slightest scuff on the door will send you spiraling into bankruptcy. The cost of insurance at the rental car counter may also vary depending on the rental car company, state and the type of car you wish to rent. Car rental insurance can be complicated and you might even feel pressured into purchasing it, but before you commit yourself to spending the money on a loss waiver, take a moment to think about some other options.
Car Insurance
If you carry comprehensive and collision coverage, your personal auto policy will generally cover the cost of replacing or repairing a stolen or damaged rental car. Because each insurance company is a little different, however, it is a good idea to speak with your insurance agent and confirm that the rental car is covered by your existing policy.
Remember that any deductibles you have will apply to the rental car. For instance, if you have a 0 deductible and sustain 0 worth of damage, you will be responsible for the full cost. If you have a 0 deductible and sustain 00 worth of damage, you will be responsible for the first 0 and the insurance company will pay for the balance.
Remember, too, that for your rental car to be covered you must carry comprehensive and collision insurance. If your insurance protects you only against liability, it will not cover the cost to repair or replace a rental car if it is wrecked or stolen. You may also want to take note that in the event of a car accident with the rental car, your personal insurance premium may go up in cost.
Credit Cards
Some credit card companies offer rental insurance benefits. To find out what each of your credit cards offer, simply call the customer service and ask. You may want to shop around a little to find out which of your cards offers the best insurance benefits. When you find the best deal, ask for a copy of the insurance policy in writing. This will allow you to look the policy over carefully to determine that it offers the coverage you need. Having the policy in writing will also put a stop to the he-said-she-said that may occur if a loss does happen.
It’s easy and often tempting to sign on the dotted line and let car rental insurance take care of everything. But if you do so without stopping to investigate other avenues available, you may find yourself paying for car insurance coverage you may already have. Fifteen or twenty minutes of easy research can save you a hefty sum of money and offer you piece of mind.
Personal Insurance For Manufactured Home Styles
Personal Insurance For Manufactured Home Styles
The personal insurance policies for manufactured homes will vary greatly because there are various styles of manufactured homes. Some manufactured homes are built with modular units that are already constructed in pieces and are put together on the lot to create a home on the property. People are able to obtain personal insurance homeowner’s policies for these styles of manufactured housing with no problems at all.
Some people do not own the manufactured home they live in and for this dweller renter’s insurance was invented. There are many condominiums’s that have been converted to rental properties and are fully insured by the owner with a commercial rental property insurance policy. This type of coverage protects the buildings and some provide medical coverage to people injured on the property.
Other personal insurance policies were created to cover manufactured homes that were wheeled in under the power of another vehicle. The mobile styled homes are later positioned and anchored on a lot and the wheels are removed to create a living structure that is suitable for a family of four or more to live in. The insurance coverage required by the company who financed the home will require full insurance coverage to be in force at all times until the mobile home balance is paid off.
Finding personal insurance coverage for mobile homes is the hardest to find because some insurance companies do not think that they will last 30 years or more. This is the typical number of years that a mortgage loan would be extended to a homeowner if it was a home made with bricks or other sturdy materials and built from the ground up. Companies are willing to finance the mobile home loan for this lengthy period of time but do not provide adequate insurance coverage.
There is nothing personal about the insurance policies that some mobile home financing companies provide. Some mobile home owners view this type of coverage as forced insurance coverage because they must be insured because it is the law or because it is required by the company who holds the mortgage on the property. This is the type of insurance that a homeowner has no way of refusing and is forced to make payments each month because the rate is attached to the mortgage payment.
When personal insurance policies are not written for a certain geographical area by other insurance companies, then the mortgage holder gets insurance that will protect the financial investment in the property and nothing else is included. The rates for this type of insurance will be significantly higher than a yearly policy would be with a traditional insurance company and since no insurance writer will insure the mobile home unit and the contents within it a homeowner has no other option but to pay the absorbent price for insurance that will give nothing back in return.
The personal insurance policies have allowed homeowners to take back the sense of ownership in the mobile home they pay for each month. These are the companies that care and will earn more business for other personal insurance needs that a family has. The mortgagee can reap great savings on personal insurance policies for the entire family because one company spoke up and offered to ensure the mobile home which cost almost ,000 dollars.
Use These Personal Finance Tips To Get Ahead
Use These Personal Finance Tips To Get Ahead
Now more than ever people are taking a deeper look into their finances. Everyone needs a way to spend less and save more. This article will take you through several options for ways that you can tighten the purse strings a little bit and come out better each month.
Install a programmable thermostat. This will allow you to set your heater or air conditioner at a constant temperature, or change temperatures throughout the day when you aren’t at home. This has proven to cut down on utilities and can save you up to 0 on your gas or electric bill each year.
No personal financial plan is complete without a long term goal for future financial security. Developing a program to contribute to a retirement savings plan will provide you with peace of mind and the confidence that you will be able to enjoy life after your retirement. Set a goal and stay with it.
Eat out less often. By making dinner at home and eating there instead of at various restaurants, you can save quite a bit of money. Restaurants charge quite a bit, and you can have the same thing at home for a lot less money and a lot less calories.
Cable TV is considered a necessity by many families, but it really is an optional expense, and usually comes at a high monthly cost. Over-the-air TV is free and you can get it in high-definition. Other options for movies include, subscriptions like Netflix, websites like Hulu, renting from Amazon, or wireless set-top boxes like Roku or Apple TV. Chosen judiciously, these options could save money over cable.
If you want to save money on insurance, increase the deductible. Most insurers get irritated with people who turn in low claims anyway, which means that they are more likely to charge you more after you submit something to them. They may even decide that they don’t want to have you as a client anymore.
Do not use the ATM. It is too easy to forget how much money you are spending, when you are withdrawing and paying with cash. Instead, make yourself a budget and use your credit or debit card, so that you can track your expenditures. You will find that you spend much less this way.
Always make sure you are saving at least some money. Even if you can only put one dollar each paycheck in savings, the act of saving something can inspire you to save more next time. As your savings gradually grow, your sense of accomplishment will also grow and create a feeling of satisfaction.
Pay yourself on a regular basis. Any time that you make any money, put a certain amount away in a savings account. If possible, have the money automatically deducted from your paycheck, so you don’t even see it. After a while, the money will really build up and you will have a healthy nest egg.
Taking control of your personal spending and saving habits is a good thing. It’s times like these that we are reminded of what is really important and how to prioritize in life. The ideas presented here are ways that you can start to focus on the important things and less on the things that cost you needless money.
Personal Finance Tips That Are Easy To Understand 2
Personal Finance Tips That Are Easy To Understand
There are a lot of people that are becoming interested in finding ways to manage their personal finances. If you want to learn ways that you can manage your money, then you’re in the right place. This article is designed to help you learn and then, apply strategies for success when managing your personal finances.
Include your important financial documents in your disaster planning. Many people are starting to prepare in advance for natural disasters such as earthquakes and hurricanes but forget to include things like checks, loan papers, and insurance policies. If something happens to your home or belongings, you will want those important financial items.
If you’re trying to save money for a big purchase, but find that it’s not easy to stick to a budget every day, week after week, here’s a different strategy. Make the effort to save money every other day. For instance, pack a bag lunch three days a week instead of buying lunch out. Put the money you save into a savings account towards your planned purchase.
Buy tires for your car, two at a time. They aren’t cheaper that way but it will be much easier on your pocketbook than buying all four at once! For safety reasons, it is often advisable to ask your mechanic to rotate the tires that were on the front of your vehicle to the back and put the new ones on the front.
Credit card balances play a big role in your FICO score. The higher your credit card balances are, the more the negative impact they will have on your score. When you pay the balance down the score will begin to climb. Try to keep the balance at 20% or less than the maximum credit allowed.
Find out if you will get a discount for making your payments automatically. Many times if you mail your payment you will be charged as much as .00 per month. You may find that there is a nice discount for you if you set up an automatic payment through your checking account or credit card.
Don’t invest in a long-term bond mutual funds. If you need the steady income from bonds, it’s better to buy the actual bond or find a substitute like bank CD’s. Mutual funds can be an excellent way to invest in stocks, but because all mutual funds are priced daily, funds that invest mostly in longer-term bonds can lose money quickly if interest rates rise.
There are a lot of things that we have become accustomed to having that are not necessary. When budgets get tight, these are the first things that need to go. Your high definition sports package, while entertaining, is not necessary for your survival. Trim the fat from your spending and reap the benefits of saving instead.
Now that you have an idea of how you can start managing your personal finances better, it should be easier for you to manage your future. Apply all of the strategies that you have learned in this article, then you should be well on your way to success.