Significant Auto Insurance
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Hurricane coming? Have an evacuation plan on standby!
Wednesday, September 8th, 2010When hurricane season roars in, home owners should be prepared to evacuate their homes in a moment’s notice. Preparing for a hurricane long before one develops is the key to keeping your family safe and your home protected.
Hurricane coming your way? Plan ahead!
If you live in an area where hurricanes are possible, good preparation is essential. The Insurance Information Institute (III) offers the following planning tips:
- Prepare for an evacuation. What route will you take to get further inland? Plan for more than one route in case roads are closed. Where will you wind up? Consider the homes of friends and family who live a bit further inland as your destination in an emergency.
- Create a home inventory. Take photographs of everything inside your house. Take photos of the outside, too. Make a list of valuables and keep that list in a safe place, like a safe deposit box.
Online car insurer exposes misconceptions
Saturday, September 4th, 2010There are several ploys that car insurance claimants try in order to get more money from their insurers, however swiftcover.com has pointed out how such organisations are usually one step ahead.
Some of the things that people have been known to do are to get other parts repaired or replaced that were not actually affected by an accident either by lying on the insurance form, or by asking the garage to do it “as a favour”.
Swiftcover.com points out that engineers will be putting themselves in a position of losing out on “lucrative” contracts if they agree to do unnecessary work and charge it to an insurance company . The firm said: “Passing off old damage as part of the accident is fraud and insurers carry out audits to make sure that garages are playing fair.”
Recently, swiftcover.com celebrated its fifth birthday and a representative from the organisation commented the team is looking forward to tackling the next half a decade.
An Amusing Way to Die
Tuesday, August 31st, 2010 
If you’re like most of us, there’s not much that you like better than a day at an amusement park. And if you like amusements parks, you’re probably with us when we say that roller coasters are our favorites. Turns out, though, that you might want to double check and make sure your term life insurance is paid up before you get on that roller coaster you’ve been waiting all summer to try.
While only one in 124,000 roller coaster riders detect any kind of injury, and only a fraction of those are serious (only 1 in 15 million need to be hospitalized), there remains a chance, however small, that you could die as a result of riding your favorite coaster. While the odds are heavily in your favor, statistically you stand a one in 150 million chance of dying on a roller coaster ride. With 90
Do you have enough home insurance coverage for your condo?
Saturday, August 28th, 2010Condominium-living offers a few obvious advantages: no lawn mowing, no painting window frames or cleaning out gutters.
But it places other burdens on property owners–chief among them is property insurance. A standard homeowners insurance policy for a single-family home typically covers the physical structure of the home, the property on which the house sits, as well as the property within the home.
Condominium or co-op “master” policies
Homeowners insurance is more complicated with condominiums. To ensure top-to-bottom protection for your real estate investment, you will likely need a separate insurance policy to cover the gaps in the condominium association’s “master” policy. The “master policy” is the homeowners policy you help pay for through monthly association dues.
The biggest mistake, said Loretta Worters, a spokeswoman for the Insurance Information Institute (III), is thinking the condo association’s “master” policy covers personal belongings such as furnishings, electronic equipment, expensive jewelry or valuable artwork.