Rental Insurance Tip – Actual Cash Value vs Replacement

id-100262368 Actual Cash Value vs Replacement – How it Works;

Your Deductible is the amount you can expect to pay for a loss before your rental insurance policy takes over any cost for you. When you are choosing your deductible, which can be from $100.00 and up, take into consideration the dollar amount you figure for your possessions.

Once you have that figure calculated add a bit more for extra’s. A good way to start this, is to plan out a well detailed inventory list, and while you are doing this list be sure to add to it any receipts, id numbers etc and a little more for things you’ve forgotten or under-priced

Your Actual Cash Vale or Replacement cost is also considered when choosing your policy. Some insurance companies will reimburse you either way but considering that somethings depreciate in value you will be in a better position to go with replacement verses actual cash.

If your total dwelling is destroyed you may want to look into Total Cash Coverage. This is also where your inventory list you have kept in a safe place will come very handy to you. This will cover you for the total amount of renter’s insurance.

Some renter’s insurance Premiums are paid annually, while other companies allow you to pay quarterly or even monthly.

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How To Lower Auto Insurance Cost – Tips For Senior Drivers

ID-10044374Everyone wants the best rates on their auto insurance policies but Senior drivers may present a higher risk of accidents, usually leading to higher auto insurance rates.

Following these tips below can take you toward lowering your cost on your auto insurance policy.

1. Avoid accidents and pay close attention at intersections. Auto accidents involving seniors often occur at intersections. Left turn lanes with their own arrows need special attention, yielding as well.  When stopped, always keep your tires pointing straight ahead. If you were rear ended while yielding and your tires are turned you could be propelled into traffic.

2. Always try to flow with the traffic and drive at the speed limit. Driving too slowly can trigger dangerous “road rage” in less patient drivers and be as dangerous as speeding, especially when entering or exiting interstates or freeways. It .

3. Keep current on the traffic laws relating to new traffic designs.Many violations include failure to yield right-of-way, improper turning or incorrect lane changes.

4. Sit high enough in your seat so that you can see at least 10 feet in front of your car, advises the National Highway Traffic Safety Administration. If your car seat does not adjust to allow this, add a cushion, this will make it easier to see pedestrians and bike riders, and reduce problems from oncoming headlight glare at night.

5. Senior drivers can refresh their skills and knowledge by taking a refresher driving course. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily.

6. Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.


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What Insurance Do You Need For A Houseboat

houseboatsHouse Boats can be quite luxurious with larger rooms for sleeping and dining as well more fully equipped kitchens. Want to put a big screen TV in the living area, that can be accommodated as well.

If you love the water and like to travel there are popular spots to dock your home while you enjoy a new exciting place and people. House boats are bulky and move at a slower pace then most boats and learning to navigate these homes is essential as accidents can happen, causing damage to both property and individuals.

Whether you are looking to buy or already own a houseboat, just like owning a home on land, home insurance is required and necessary. You are making an investment on your houseboat and you want to be sure that your covered for any possibility of damage, sinking and your personal finances.

Check to see what your houseboat is classified under. Many insurance companies have them under the same classification as pleasure boats, ski boats, sail boats, cabin cruisers and more. When your houseboat is taken under consideration for a policy, the insurance company may look at the size, age of houseboat, type and how much horsepower it has. Houseboats used in rivers of lakes may have different coverage then those used in the ocean or hurricane prone areas.

Insurance coverage can also be taken out for vandalism, storm damage, fire, theft, capsizing, living expenses for under repair and more. Another important option would be pollution coverage if case your boat leaks oil or fuel. Cleaning up after an accident or leak from a houseboat can be quite costly.

Houseboats can be enjoyed for many years with the proper upkeep and if the owner has the assurance of knowing that problems, if they arise, are covered.


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Homeowners Insurance – Importance of Liability Coverage For Pets

ID-100226591Your cute little puppy is a great addition to the family. Your new bouncing bundle of joy puts a smile on your face until you find him happily chewing on your shoe, or the leg of your chair. This you can control, but what about when your puppy gets bigger and decides to tear up your neighbors flower bed or possibly bites someone?

As much as we train and love our pets, we do need protection for the the not so proud moments that can happen. It is a good idea to be vigilant about your dog’s interactions with visitors to your home. Typically, the liability portion of your home insurance coverage should cover the actions of your pets if they damage items that you don’t own or if they injure people who do not live in your house.

Be aware that there are certain types of pets that can make it difficult to obtain home, renters or condo insurance. Dog bites make up one-third of all homeowner insurance liability claims, according to the Insurance Information Institute, and last year dog bites costing nearly $571.3 million and accounted for more than one-third of homeowners insurance liability claims.

You can purchase home insurance protection for your pets indiscretions for most types of domestic pets. Some insurance companies will provide you a list of certain types of dogs that they may consider not insurable. What they are basing their information on is the breeding history, temperaments and the risk factors. So, if a particular dog breed has a documented history of attacks or bites, some insurance companies may consider this risk to be too high, thus causing the company to deem the breed un-insurable.

Common dog breeds that are often not considered insurable include:

* Akita

* Alaskan Malamute

* Chow Chow

* Doberman Pinscher

* German Shepherd

* Pit Bull

* Presa Canario

* Rottweiler

* Siberian Husky

* Staffordshire Bull Terrier

* Wolf hybrids

Exotic animals, such as snakes, tigers, etc., also may fall in the un-insurable category. Check with us today to see if owning any of the pets above has limitations. It is actually a good idea to check when choosing a pet to bring into your home.

When you apply for home insurance, disclose information about any pets you have to ensure your policy will properly cover you involving your pet.

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What You Need To Know About Boat Insurance Coverage

ID-100386201Owning a speedboat, sailboat or any other sea vessel can be costly and requires up keep, but well worth it when you have the wind and sea all around you on a beautiful day.

If you choose to own and operate a speedboat, sailboat, yacht or personal watercraft without insurance you may run into some marinas and yacht clubs who won’t let you dock your craft unless you have insurance coverage. If you keep your boat on your own property, a homeowner’s insurance policy may have some coverage for your watercraft but it can be very minimal. A typical homeowners policy may pay up to $1,000 or $1500 to repair damage to your boat.

Often, during winter or stormy weather, owners must leave boats docked in the water. It is difficult sometimes to leave behind something that is so valuable, especially a sail boat that can cost up to several hundred thousand dollars. Standard policies for boats can cover damage to the craft, including damage caused by fire, lightning, theft, vandalism, collisions, and windstorms, the cost of repair and medical needs

Some policies also provide coverage for injuries caused by uninsured boaters or by boaters who don’t have enough insurance. If this sounds like uninsured motorist coverage in an auto insurance policy, it basically serves the same purpose.

It is very crucial to understand what the policies provide in order to choose the best and most appropriate coverage. Owners need to be sure and get all terms and requirements upfront before applying.

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