""The best tip for winter driving: Sometimes it's best to stay home, or at least
remain where you are until snow plows and sanding crews have done their work. If
you crash on a snowy or icy road, you'll certainly be late — or worse. But since
you can't always call in to work claiming a "snow day," it's better to learn how
to correctly deal with driving in the snow.
Get a grip. To have adequate
snow traction, a tire requires at least 6/32-inch deep tread, according to The
Tire Rack. (New passenger-car tires usually have 10/32-inch of tread.)
Ultrahigh-performance "summer" tires have little or no grip in snow. Even
"all-season" tires don't necessarily have great snow traction: Some do, some
don't. If you live where the roads are regularly covered with snow, use snow
tires (sometimes called "winter tires" by tiremakers). They have a "snowflake on
the mountain" symbol on the sidewall, meaning they meet a tire-industry standard
for snow traction. ...." Driving on Snow and Ice 10 safe driving tipsLouisville Auto Insurance quote
Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
auto insurance
Thursday, December 17, 2009
Driving on Snow and Ice- 10 safe driving tips
Driving on Snow and Ice- 10 safe driving tips
""The best tip for winter driving: Sometimes it's best to stay home, or at least
remain where you are until snow plows and sanding crews have done their work. If
you crash on a snowy or icy road, you'll certainly be late — or worse. But since
you can't always call in to work claiming a "snow day," it's better to learn how
to correctly deal with driving in the snow.
Get a grip. To have adequate
snow traction, a tire requires at least 6/32-inch deep tread, according to The
Tire Rack. (New passenger-car tires usually have 10/32-inch of tread.)
Ultrahigh-performance "summer" tires have little or no grip in snow. Even
"all-season" tires don't necessarily have great snow traction: Some do, some
don't. If you live where the roads are regularly covered with snow, use snow
tires (sometimes called "winter tires" by tiremakers). They have a "snowflake on
the mountain" symbol on the sidewall, meaning they meet a tire-industry standard
for snow traction. ...." Driving on Snow and Ice 10 safe driving tipsLouisville Auto Insurance quote
Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
auto insurance
Friday, October 30, 2009
halloween driving safety tips from progressive insurance
"On Halloween, your neighborhood literally will be crawling with creatures, and it's your job to be sure they take their treats home safely. While the roaming ghosts, goblins and assorted critters aren't real, they do represent legitimate safety concerns for drivers...."
Halloween Driving Safety Tips from Progressive Insurance
halloween driving safety tips from progressive insurance
"On Halloween, your neighborhood literally will be crawling with creatures, and it's your job to be sure they take their treats home safely. While the roaming ghosts, goblins and assorted critters aren't real, they do represent legitimate safety concerns for drivers...."
Halloween Driving Safety Tips from Progressive Insurance
Saturday, October 17, 2009
Ranking Homeowners Insurance Companies - The Good, the Bad and the Ugly
How does your homeowners insurance company rank? The one time you don't want to find out they rate at the bottom of the list is when its time to file a claim. Insurance companies are good at taking your premium payment every month, but when it comes to paying out claims some companies rate better than others.
Most of us never think about our homeowners insurance until its time to file a claim. In fact, we can go years of just sending in our premium payments and never even so much as calling up our agent to say hello. Then comes the day when you need to file a claim and you find out that red tape and bureaucracy are the name of the game. Recently this situation played out all too well during Hurricane Katrina where certain homeowners insurance companies fought tooth and nail to keep from paying out claims to victims of this devastating event.
Thankfully there are a number of ways you can find out just how good your insurance company is and if they can do more than just issue a quote without a fight. A number of online and offline resources track insurance company ratings and custom satisfaction scores to help you be a more well-informed consumer.
A.M. Best (www.ambest.com) is one such source that provides information about the financial health of your homeowners insurance company. They track the ability of insurers to pay for losses in the event of a major disaster. Their rankings are the industry standard for measuring the financial well-being of all property, casualty and life insurance companies.
When it comes to actual consumer satisfaction ratings the data isn't as well-kept as the financial ratings. A number of websites offer consumer feedback on insurance companies as well as reports from policy holders on general insurance company handling of routine inquires. The best source of insurance company satisfaction ratings may come from others in your community who often have first-hand experience with many of the local homeowners insurance companies in your area.
Marvin Toller is a writer and internet publisher who likes to write about how to find the best & cheapest homeowners insurance as well as other insurance issues. Check out his news and in depth information website http://www.best-cheapest-homeowners-insurance.com/
Article Source: http://EzineArticles.com/?expert=Marvin_Toller
http://EzineArticles.com/?Ranking-Homeowners-Insurance-Companies---The-Good,-the-Bad-and-the-Ugly&id=181759
Friday, October 16, 2009
Louisville Home Sales up for third straight month
Members of the Greater Louisville Association of Realtors sold almost 15 percent more homes in September than they did a year ago, the third consecutive month of sales gains.....Louisville Home Sales
Louisville Home Sales up for third straight month
Members of the Greater Louisville Association of Realtors sold almost 15 percent more homes in September than they did a year ago, the third consecutive month of sales gains.....Louisville Home Sales
Thursday, September 24, 2009
Homeowners wonder if they need flood insurance
Most Homeowners insurance policies do not cover Flood Insurance. A separate Flood insurance policy must be purchased. Homeowners wonder if they need flood insurance
Homeowners wonder if they need flood insurance
Most Homeowners insurance policies do not cover Flood Insurance. A separate Flood insurance policy must be purchased. Homeowners wonder if they need flood insurance
Downs Syndrome Walk of Southern Indiana
DATE AND LOCATION CHANGE!!!
CELEBRATE OUR CAPABILITIES TALENT SHOW & WALK
Saturday October 24, 2009
Southern Indiana Sport Center
620 Park East Blvd New Albany
Located behind IUS (Will keep us and kids DRY in case it rains again)
Check-In 8:30AM Walk 10:00AM Talent Show Noon
Downs Syndrome Support Association of Southern Indiana
Down's Syndrome Walk - New Albany Indiana Oct 24th
Downs Syndrome Walk of Southern Indiana
DATE AND LOCATION CHANGE!!!
CELEBRATE OUR CAPABILITIES TALENT SHOW & WALK
Saturday October 24, 2009
Southern Indiana Sport Center
620 Park East Blvd New Albany
Located behind IUS (Will keep us and kids DRY in case it rains again)
Check-In 8:30AM Walk 10:00AM Talent Show Noon
Downs Syndrome Support Association of Southern Indiana
Down's Syndrome Walk - New Albany Indiana Oct 24th
Thursday, September 3, 2009
Why you need renters insurance Louisville KY
Two out of three apartment renters don't have insurance coverage, while more than half of them say their stuff is worth $10,000 or more. The main reason? Almost everybody believes renter coverage costs more than it really does.....read entire article here: Renters Insurance
Call Dick Watts Insurance for renters insurance quote in Louisville KY 502-245-3625
Why you need renters insurance Louisville KY
Two out of three apartment renters don't have insurance coverage, while more than half of them say their stuff is worth $10,000 or more. The main reason? Almost everybody believes renter coverage costs more than it really does.....read entire article here: Renters Insurance
Call Dick Watts Insurance for renters insurance quote in Louisville KY 502-245-3625
Saturday, August 22, 2009
Homeowners insurance – how important homeowners insurance for your financial stability
The Homeowners insurance is very important. Therefore, When you are in the market for homeowners insurance or your mortgage lender requires you to purchase home insurance before giving you the loan, you should bear in mind that cutting corners on the homeowners insurance to save money would eventually put you through a financial catastrophe, If your home which is your biggest valuable investment partially or completely was damaged through unforeseen mishap. On the other hand purchasing more coverage than necessary will lead you to the same financial consequences.
Homeowners insurance is not mandatory like car insurance. However, the majority of homebuyers across the country prefer to obtain a loan from mortgage lender in order to build or buy a home. Therefore, the mortgage provider or the bank will require you to buy homeowners insurance policy as a mortgage guarantee, before you receive the loan and start to build or purchase your new home. In most cases your lender chooses a particular insurance provider. Some other lenders let you choose the insurer.
Homeowners insurance is a must have not only as a protection from minor losses resulting from man-made disaster but also to compensate serious losses due to natural disasters. Unfortunately the standard homeowners insurance excludes most of natural disasters damage like flood, hurricane and earthquake damage. However, you have the ability to buy separate flood insurance from government insurance program also known as NFIP in case you live in flood-prone property. Earthquake or hurricane insurance rate depends on the common building materials and the likelihood of natural disasters in your area.
Your homeowners insurance carrier encourage you as a policyholder to reduce your dwelling vulnerability to theft and fire. Therefore, the insurance provider offers you security discount when you install theft deterrents like deadbolt locks and burglar alarm system. If you have fire protection systems such as smoke detector and fire sprinkler you are eligible for safety discount. The insurer would appreciate it if you update your electrical and plumbing systems to meet the standards code. While you're trying to be eligible for these discounts you make your family more secure.
Your homeowners insurance is a necessity. And, having an adequate coverage is the key to protect your home form damage.
Privacy Policy
- Google, as a third party vendor, uses cookies to serve ads on this blog.
- Google's use of the DART cookie enables it and its partners to serve ads to this-blog users based on their visit to this blog and/or other sites on the Internet.
- Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.
We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, click here.
Friday, August 21, 2009
Insuring Savings With A Simple Checklist
Insurance needs change with age and circumstance, yet few people take the time to review their insurance needs and find savings to fatten their monthly budget. It is, though, one of the easiest ways to cut living expenses and save money. On the bright side, it takes just a phone call to switch policies, get a new quote, or change the terms of an existing policy. Here are a few things to check every year, to determine if you can save money on your insurance bills.
* Get new quotes – Every year, it pays to look around and see what other companies are offering for their insurance policies and costs. Just shopping around can save hundreds.
* Bundle your insurance needs – If you have your car with a company that also offers homeowners insurance, it can save you money on both, typically a 10% discount.
* Check your deductibles – If you can stand to have higher deductibles, it will lower your insurance premium.
* Opt out of term life insurance – Once your kids are no longer dependent on you for support, you can cancel your term life insurance policies. Otherwise, you should carry about seven times your income on term life insurance to take care of your kids in case you die.
* Go with a group – Are you a member of a group that offers special discounts on life insurance? Check them out. Members of the AARP, teachers, student body alumnae, retired, or military personnel all can find group discounts for being a member of any of these groups.
* Remove extras you don't need – If you already have towing benefits with AAA, there's no need to carry towing insurance through another provider too. Collision insurance is only good to carry for cars that are less than 10 years old, otherwise, it's the same as replacing the old car out-of-pocket (about $1000).
* Pay yearly or semi-yearly – You can save another 5 to 10% of the policy simply by paying ahead of time, instead of monthly. A few extra dollars a month to process the loan on a monthly basis may seem like little, but it can add up to 10% by the end of the year.
Home Insurance, Home Insurance Quote Progressive Insurance
Home Insurance Louisville, Home Insurance Quote Louisville KY
"Protect your house — and your possessions — with home insurance through Progressive. For homeowners, insurance protection is an important aspect of homeownership. Buying home insurance means buying protection for your home — both inside and out.
Progressive Home Advantage, underwritten by Homesite Insurance, offers home insurance, condo insurance and renters insurance to new and existing Progressive customers.
If you already know what kind of home insurance policy you need, get a home insurance quote today....." Home Insurance, Home Insurance QuoteDick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
Call us for a Progressive Home Advantage quote. 502-245-3625
Home Insurance, Home Insurance Quote Progressive Insurance
Home Insurance Louisville, Home Insurance Quote Louisville KY
"Protect your house — and your possessions — with home insurance through Progressive. For homeowners, insurance protection is an important aspect of homeownership. Buying home insurance means buying protection for your home — both inside and out.
Progressive Home Advantage, underwritten by Homesite Insurance, offers home insurance, condo insurance and renters insurance to new and existing Progressive customers.
If you already know what kind of home insurance policy you need, get a home insurance quote today....." Home Insurance, Home Insurance QuoteDick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
Call us for a Progressive Home Advantage quote. 502-245-3625
Tuesday, August 18, 2009
Urban League to help Louisville Foreclosures
"The National Urban League has selected Louisville as one of three U.S. cities to receive foreclosure prevention and job assistance from the organization.
The Urban League’s free “Home Rescue Fair & Career Fair” will be held Tuesday, Sept. 15, from 2 to 8 p.m., at the Kentucky International Convention Center, 221 S. Fourth, Louisivlle, KY" Urban League to Help Louisville Foreclosures
Home Insurance Louisville KY
502-245-3625
Urban League to help Louisville Foreclosures
"The National Urban League has selected Louisville as one of three U.S. cities to receive foreclosure prevention and job assistance from the organization.
The Urban League’s free “Home Rescue Fair & Career Fair” will be held Tuesday, Sept. 15, from 2 to 8 p.m., at the Kentucky International Convention Center, 221 S. Fourth, Louisivlle, KY" Urban League to Help Louisville Foreclosures
Home Insurance Louisville KY
502-245-3625
Wednesday, August 12, 2009
homeowners insurance louisville ky
how to file a homeowners insurance claim after damage to your home
Homeowners Insurance Louisville KY
homeowners insurance louisville ky
how to file a homeowners insurance claim after damage to your home
Homeowners Insurance Louisville KY
Wednesday, August 5, 2009
Louisville KY Home Sales July 2009
the Louisville Homes Blog. Also, according to the site there are 9,600 homes listed in the Louisville MLS read more: Louisville Homes Blog
Louisville KY Home Sales July 2009
the Louisville Homes Blog. Also, according to the site there are 9,600 homes listed in the Louisville MLS read more: Louisville Homes Blog
Thursday, July 30, 2009
Street Rod National 40th Annual Louisville KY
All the vehicles of 1948 and earlier manufacture are welcome to enter the event.
Event Registration Hours
Wednesday, August 5th - 9 a.m. to 6 p.m.
Thursday, August 6th - 9 a.m. to 6 p.m.
Friday, August 7th - 9 a.m. to 6 p.m.
Saturday, August 8th - 9 a.m. to 2 p.m.
"A special discounted $12.00 admission is available for military personnel with proper military identification, NSRA members with their current membership card or anyone 60 years of age and older. One discounted admission per person.
Although everyone will enjoy the spectacular vehicles as well as the vehicles’ owners there are other activities the family will enjoy. Here are a few activities that you will enjoy: the Commercial Exhibitors, Swap Meet, and Women’s World (arts and crafts with items that will interest women as well as men and children) as well as children’s games...."
Street Rod National 40th Annual Louisville KY
All the vehicles of 1948 and earlier manufacture are welcome to enter the event.
Event Registration Hours
Wednesday, August 5th - 9 a.m. to 6 p.m.
Thursday, August 6th - 9 a.m. to 6 p.m.
Friday, August 7th - 9 a.m. to 6 p.m.
Saturday, August 8th - 9 a.m. to 2 p.m.
"A special discounted $12.00 admission is available for military personnel with proper military identification, NSRA members with their current membership card or anyone 60 years of age and older. One discounted admission per person.
Although everyone will enjoy the spectacular vehicles as well as the vehicles’ owners there are other activities the family will enjoy. Here are a few activities that you will enjoy: the Commercial Exhibitors, Swap Meet, and Women’s World (arts and crafts with items that will interest women as well as men and children) as well as children’s games...."
Tuesday, July 28, 2009
Louisville area home sales louisville ky
"Louisville-area home sales so far this month are up sharply over the same period a year ago, news that is giving local real estate agents hope the local market is improving along with the national picture.
Sales through Monday were up 27 percent over a year ago, although that number may slip chiefly because July 27 was a Sunday last year, the Greater Louisville Association of Realtors."
Louisville KY Home Sales
Louisville area home sales louisville ky
"Louisville-area home sales so far this month are up sharply over the same period a year ago, news that is giving local real estate agents hope the local market is improving along with the national picture.
Sales through Monday were up 27 percent over a year ago, although that number may slip chiefly because July 27 was a Sunday last year, the Greater Louisville Association of Realtors."
Louisville KY Home Sales
Monday, July 27, 2009
NEW HOME SALES UP 11%
"New-home sales soared in June from the previous month, the third increase in a row and supplying fresh evidence the housing market is beginning to recover from its long crisis.
Sales of single-family homes increased by 11.0% to a seasonally adjusted annual rate of 384,000 compared to the prior month, the Commerce Department said Monday. Though, year-over-year, new-home sales were 21.3% lower than the level in June 2008.
The median price for a new home was $206,200 in June, down 12.0% from $234,300 in June 2008. On a monthly basis, the price fell from May 2009's $219,000..."
NEW HOME SALES UP 11%
"New-home sales soared in June from the previous month, the third increase in a row and supplying fresh evidence the housing market is beginning to recover from its long crisis.
Sales of single-family homes increased by 11.0% to a seasonally adjusted annual rate of 384,000 compared to the prior month, the Commerce Department said Monday. Though, year-over-year, new-home sales were 21.3% lower than the level in June 2008.
The median price for a new home was $206,200 in June, down 12.0% from $234,300 in June 2008. On a monthly basis, the price fell from May 2009's $219,000..."
Saturday, July 25, 2009
Tampa Homeowners Insurance – Make Sure Your Policy Adequately Covers Your Home
By Adams Bridges
Your homeowners insurance is the perfect financial plan to guarantee your home safety, And to gain peace of mind. Your home is the safe shelter which protects your family, your pets and your possessions. So it is your responsibility as a homeowner to protect your biggest investment and maintain your financial stability by purchasing adequate homeowners insurance coverage. However, having sufficient coverage doesn't mean unaffordable premium rate. In such a situation you should know about your policy hidden limitations.
Homeowners insurance carriers increase insurance rate in case the insured's property is not well-maintained, that is due to the likelihood of recurring damage related to the house plumbing and electrical systems. Therefore, most of claims arising from losses in dwelling structure and contents will be denied, if the homeowner doesn't put enough effort to keep his premises well-maintained. Hence common tear and wear is not included in your homeowners insurance. However, the unexpected mishaps are not excluded from your policy.
Your homeowners insurance policy has many limitations. For example the insurance provider limits contents coverage up to 60% of the dwelling structure coverage amount. If you have an expensive items in your home like valuable paintings, diamond rings, fur clothing, plasma HDTV set or high-priced laptop the insurer will only compensate you for $2500 of these items total value in case of loss. Therefore, you should take advantage of extra insurance endorsement such as homeowners insurance rider that may cost you no more than $55 annually.
The basic Homeowners insurance coverage doesn't protect your property from damages related to basement water leaks, or the property maintenance lack resulting in plumbing damage and water damage caused by flood or hurricane. In this situation you have to purchase additional coverage such as separate flood or hurricane insurance or a policy rider. However your homeowners insurance company will pay out for the cost of repairs in case of unforeseen incidents like unexpected pipe bursts, home contents loss as a result of heavy rain.
Your homeowners insurance exclusions are unknown section of your policy. Therefore you need to read the small print carefully to make certain your homeowners insurance covers you.
Thursday, July 23, 2009
housing starts & permits posted gains
Call Dick Watts Insurance for a
homeowners insurance quote in Louisville KY 502-245-6325
housing starts & permits posted gains
Call Dick Watts Insurance for a
homeowners insurance quote in Louisville KY 502-245-6325
California Homeowners Insurance – Top 3 Common Factors Raising Your Premium Rate
By Adams Bridges
If you decided to purchase homeowners insurance you have to do your homework first to be aware of the factors that raise your homeowners insurance rate and other factors that lower your premium tremendously. It is important to know all factors that determine your home safety too, because these factors can affect your premium rate significantly.
The homeowners insurance provider considers your home as a high risk, if you live near the forest area. Therefore the owners of houses located in wildfires prone areas could never find homeowners insurance company accepts to insure their dwellings. On the other hand most of companies insure high-risk property with higher premium rates. You should ask your agent to make sure your policy does not exclude the forest fires from the insurance coverage. You also can purchase extra insurance if you don't have adequate coverage.
Homeowners insurance carriers calculate your insurance rate upon many factors like the dwelling construction materials and what is the common peril in your state region. For example if you own frame wood home you will face higher insurance rate than if your house with a concrete block structure in case you live near forest edge area. On the other hand frame home is more resistant to earthquakes damage than brick house, hence you as frame home owner will benefit from cheap earthquake insurance premium.
Your homeowners insurance rate depends on how quickly the firefighters can arrive at your dwelling to put out the fire, in case you are facing fire accident. Therefore the distance between your premises and the fire department has the biggest impact on how much damage in your dwelling could occur. So your home will be considered low risk if you live near fire station. Many other factors can affect your homeowners insurance rate such as firefighters training and whether they are professionals or not and how far your home from the fire hydrant.
Your homeowners insurance rate depends on living in high risk area, your home construction materials and how far is your home from fire deterrents.
Wednesday, July 22, 2009
Mississippi Homeowners Insurance – How to Lower Your Rate and Save Money?
Your home is your most valuable asset and the place where your family and your pets find safety and protection. You keep your expensive belongings such as artwork, jewelry and hi-tech appliances in your home too. Therefore leaving your home without homeowners insurance protection against natural and man-made disasters most likely put you through financial disaster. Buying homeowners insurance is a wise decision and you have a good chance to lower your insurance rate after reading this article.
Homeowners insurance companies could label your home as a high-risk investment if you own a swimming pool. And that is due to the likelihood of injuries may happen around and in the pool. Therefore your insurer will significantly increase your premium rate in case you planning to build in-ground swimming pool. So ask your agent whether you have enough swimming pool coverage or not before constructing the pool. On the other hand you have a great chance to lower your premium by asking for discounts after you take safety precaution such as pool safety fencing and automatic pool cover.
The majority of homeowners insurance providers calculate insurance rate on the basis of variety of elements such as home building material like wood frame or brick, the dwelling value and your claim history data stored in the C.L.U.E. the Comprehensive Loss Underwriting Exchange is a huge database containing most of homeowners claims history. Avoid filing claims regarding limited damage in your property to keep your history report with no claims by doing the low-cost repairs from your budget and keep your homeowners insurance rate low.
The competitive Homeowners insurance market has a huge potential for the customers to shop around and get the lowest prices to save hundreds of dollars off premium payments. Therefore the homeowners insurance carriers offer their clients loyalty discount up to ten percent of homeowners insurance premium. If you were satisfied with your insurer and your home insured for years by the same insurance provider, you are eligible for loyalty discount. Call your agent to ask him or her for loyalty discount.
Your homeowners insurance is your safeguard, but don't pay more for your homeowners insurance premium than you should.
Alzheimer's Memory Walk Louisville KY
"All Memory Walk donations benefit the Alzheimer's Association, the leading voluntary health organization in Alzheimer care, support and research. The mission of the Alzheimer's Association is to eliminate Alzheimer's disease through the advancement of research; to provide and enhance care and support for all affected; and to reduce the risk of dementia through the promotion of brain health..." Alzheimer's Memory Walk
September 12,2009 Waterfront Park Louisville KY
"The Alzheimer's Association Memory Walk® is the nation's largest event to raise awareness and funds for Alzheimer care, support and research – and it calls on volunteers of all ages to become champions in the fight against this fatal disease. Since 1989, Memory Walk has raised more than $260 million for the cause.
Memory Walk is a community event that joins friends, family and co-workers as they walk to end Alzheimer’s. Participants typically register in teams of 10-12 and fundraise using tools supported by the Alzheimer’s Association. Walks vary from one to three miles and are held in nearly 600 locations nationwide.
Please join us in taking steps to end Alzheimer's.""
Louisville Memory Walk - Waterfront Park, Great Lawn Saturday, September 12, 2009
Alzheimer's Memory Walk Louisville KY
"All Memory Walk donations benefit the Alzheimer's Association, the leading voluntary health organization in Alzheimer care, support and research. The mission of the Alzheimer's Association is to eliminate Alzheimer's disease through the advancement of research; to provide and enhance care and support for all affected; and to reduce the risk of dementia through the promotion of brain health..." Alzheimer's Memory Walk
September 12,2009 Waterfront Park Louisville KY
"The Alzheimer's Association Memory Walk® is the nation's largest event to raise awareness and funds for Alzheimer care, support and research – and it calls on volunteers of all ages to become champions in the fight against this fatal disease. Since 1989, Memory Walk has raised more than $260 million for the cause.
Memory Walk is a community event that joins friends, family and co-workers as they walk to end Alzheimer’s. Participants typically register in teams of 10-12 and fundraise using tools supported by the Alzheimer’s Association. Walks vary from one to three miles and are held in nearly 600 locations nationwide.
Please join us in taking steps to end Alzheimer's.""
Louisville Memory Walk - Waterfront Park, Great Lawn Saturday, September 12, 2009
Monday, July 20, 2009
Homeowner Insurance Louisville KY
Homeowners Insurance in Louisville KY from Expert Real Estate
""In general, what are the basic types of homeowners insurance policies available to the consumer?
One of the best policies on the market is referred to as “all-risk“. In this policy, your home is covered for a number of possible losses, unless a particular loss is specifically
(every insurance policy is different, consult your own insurance contract for specific coverage) excluded in the policy. Make sure you review this in detail with your insurance agent. Another type of insurance policy is called “named peril“. This type of insurance covers you from loss due to specific occurrences...."ExpertRealEstateLouisville
Call Dick Watts Insurance for Homeowners Insurance Quote in Louisville KY 502-245-3625
Homeowner Insurance Louisville KY
Homeowners Insurance in Louisville KY from Expert Real Estate
""In general, what are the basic types of homeowners insurance policies available to the consumer?
One of the best policies on the market is referred to as “all-risk“. In this policy, your home is covered for a number of possible losses, unless a particular loss is specifically
(every insurance policy is different, consult your own insurance contract for specific coverage) excluded in the policy. Make sure you review this in detail with your insurance agent. Another type of insurance policy is called “named peril“. This type of insurance covers you from loss due to specific occurrences...."ExpertRealEstateLouisville
Call Dick Watts Insurance for Homeowners Insurance Quote in Louisville KY 502-245-3625
California Homeowners Insurance – How to Make Your Premium Affordable?
By Adams Bridges
Purchasing homeowners insurance in California is a simple way to gain a peace of mind. Property Insurance protects your most valuable asset against natural disasters such as earthquake. homeowners insurance is a must have for Californians. You have to do your homework and shop around to find a good coverage with a reasonable and affordable rate. Before you buy the policy, make sure the company you're dealing with is financially stable. Ask your agent about all the discounts that you may be eligible for.
Homeowners insurance protects only the occupied homes. Vacant property is likelihood to be stolen or vandalized specifically when the homeowner leaves the dwelling unoccupied for weeks. On the other hand if a member of your family is senior citizen or if you are retired and over 55, you more likely to spend most hours per day in your house. Therefore the probability of damage to your premises due to burglary or fire accidents will be limited in your insured premises. Hence, you are eligible for senior citizen discount.
Group homeowners insurance is practical plan for lowering your monthly premium payments. Insurance carriers put a discount on organizations and associations insurance. If you belong to a business association or social organization such as Fraternities or sororities you can purchase your homeowners insurance through a group insurance plan. Therefore you can take advantage of significant discount off your insurance premium. In case you don't belong to any group, try to find suitable group insurance coverage from the company you work for.
Homeowners insurance carriers calculate your insurance premium rate on the basis of many factors such as living in high crime neighborhood, how far is the nearest police station from your home, And your financial stability as well. One of the most common factors that have a great impact on your insurance rate is your credit history. homeowners insurance provider will look into your debt balance to make sure that you don't spend beyond your means. If you pay your bills on time, your credit score will be clean. Therefore you will pay less for your premium.
Take advantage of senior citizen, group insurance plan and high credit score discounts to lower your homeowners insurance rate.
Sunday, July 19, 2009
Homeowners Insurance – What is Covered and What is Not in Basic Policy?
By Adams Bridges
The mortgage lender requires you to purchase a basic homeowners insurance before lending you the money. The standard policy coverage may not be adequate for your specific needs. In this case you can buy homeowners insurance policy from a provider other than the one your lender recommended for you. Insurance is a competitive industry and it is up to you to take advantage of shopping around to get the best deal. But, bear in mind good deal doesn't mean cutting corners and you should put quality first.
The basic homeowners insurance protects you against certain number of perils. The policies coverage differs according to the homeowners insurance provider. The majority of companies cover your home structure and contents against any damage due to fire, smoke, unforeseen burst or frozen water pipes, unexpected air conditioning system failure, hail, weight of ice, snow, sleet, falling object such as a tree causing the roof to collapse, burglary, vandalism, riot, unrest , damage related to vehicles, and one natural disaster: volcanic eruption.
The basic policy does not cover the most natural disasters. The common homeowners insurance exclusions are earthquake and hurricane damage. After hurricane Katrina, insurance companies raised the insurance rates or stopped insuring homes in the gulf coast states at all. If you in the market for homeowners insurance and your property in hurricane-prone area, you should purchase hurricane rider. The earthquake coverage is not included in the standard policy. If you are a resident of earthquake-prone regions such as California, you are compelled to buy endorsement or a separate earthquake policy.
Homeowners insurance carriers offer a special policy for older home. The older homes are more vulnerable to damage than the new ones. Electrical and plumbing systems in older properties are not up to date and do not meet current code requirements. The insurance companies increase your rate if you own older house. In case you file a claim the company will reimburse you for your loss on the basis of actual cash value not replacement cost due to older property depreciation.
You should know the Basic homeowners insurance coverage limits and what perils not covered in your policy.
homeowners insurance quote basics
What is Homeowners Insurance?
"Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility
*Every Insurance policy is different. Consutl your own insurance contract for specific coverage
for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.Read more: Homeowners Insurance Quotes
Dick Watts Insurance Homeowner Insurance 502-245-3625
homeowners insurance quote basics
What is Homeowners Insurance?
"Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility
*Every Insurance policy is different. Consutl your own insurance contract for specific coverage
for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.Read more: Homeowners Insurance Quotes
Dick Watts Insurance Homeowner Insurance 502-245-3625
Saturday, July 18, 2009
Homeowners Insurance - the Most Common Uncovered Perils in Homeowners Insurance Policy
By Adams Bridges
Homeowners insurance exclusions are a significant part of your policy. To make sure that your home is adequately covered read your insurance small print carefully. In this article you will be informed of these widespread exclusions.
The Christmas season has a great impact on your homeowners insurance. In holidays season you buy a lot of valuable gifts for your family. A home filled with new expensive items is a hotspot for thieves. The homeowners who spend Christmas away from their homes will have a higher risk than others. During the holidays you don't have enough time to make an inventory list of all your new presents and the gifts receipts.
In case you file a claim your insurer will ask you to show your proofs of ownership of stolen items and that will put you through hassle with your insurance company. Ask your agent to make sure your home contents are fully covered during the holidays. Fix security devices in your premises to reduce your home vulnerability to burglary.
Homeowners insurance coverage remains valid, unless. you leave your home unoccupied for more than one month. Some homeowners insurance providers extend the vacant period for two months. Unoccupied homes are high-risk for burglary, vandalism and electrical or pipe systems damage. The insurance company denies any claim if it has been filed for any loss while the property was unoccupied. It's advisable to buy rider policy if your home is usually unoccupied for more than thirty days a year.
Your homeowners insurance doesn't cover your dwelling against termite attacks. The insurer considers any damage caused by termite as kind of lack of maintenance. Therefore, the homeowner is responsible for preventing any damage due to pests. Make sure your home is fully protected against termite infestations. If you suspect that your house exposed to termite, hire well-trained professional termite inspector. Keep your home clean and throw any broken branches away from your home. Keep your house wooden structures moisture-free.
After you purchase your homeowners insurance you should find out the exclusions related to water damage in your policy. The standard homeowners insurance doesn't cover your home against flood damage. If you live in flood-prone region you can purchase a separate policy from National Flood Insurance Program (NFIP). Your insurer doesn't cover water damage due to Wear and tear or maintenance negligence. But the company will pay out to reimburse you for any unforeseen losses such as damage due to frozen or burst pipes.
Bear in mind these homeowners insurance exclusions like lack of maintenance and unoccupied home.
Thursday, July 16, 2009
Louisville Auto Insurance Quote
Louisville Auto Insurance quote
Kentucky Considers Forcing Drunk Drivers to Install Ignition Devices
"People caught driving drunk in Kentucky just once could be forced to install breath-alcohol monitoring devices in their cars, as the state's lawmakers consider joining other states, including Alaska, in toughening DUI laws.."
Auto Insurance Quote Louisville KY
Car Insurance Quote Louisville KY
Dick Watts Insurance Inc
12200 Shelbyville Rd 112
Louisville KY 40243
located on Shelbyville Road in Middletown Kentucky 40243 in the Stein Auto Center. If traveling east we are on the right side of the road 3 doors east of Evergreen Road. We are in the Stein Building next to Bob Morris Auto Sales across the street from Paul's Fruit Market . We are at the midway point between the KFC and the Speedway. We are about 10 miles East of the Mall in St. Matthews. We are not too far from the Middletown KY Post Office.
Call us for a quote 502-245-3625
Louisville Auto Insurance Quote
Louisville Auto Insurance quote
Kentucky Considers Forcing Drunk Drivers to Install Ignition Devices
"People caught driving drunk in Kentucky just once could be forced to install breath-alcohol monitoring devices in their cars, as the state's lawmakers consider joining other states, including Alaska, in toughening DUI laws.."
Auto Insurance Quote Louisville KY
Car Insurance Quote Louisville KY
Dick Watts Insurance Inc
12200 Shelbyville Rd 112
Louisville KY 40243
located on Shelbyville Road in Middletown Kentucky 40243 in the Stein Auto Center. If traveling east we are on the right side of the road 3 doors east of Evergreen Road. We are in the Stein Building next to Bob Morris Auto Sales across the street from Paul's Fruit Market . We are at the midway point between the KFC and the Speedway. We are about 10 miles East of the Mall in St. Matthews. We are not too far from the Middletown KY Post Office.
Call us for a quote 502-245-3625
Texas Homeowners Insurance - How to Lower Your Homeowners Insurance Rate?
By Adams Bridges
Homeowners insurance is the best protection for your most valuable asset. In the recent years the global warming results in climate change especially in Gulf States like Texas. Therefore, insuring your home is a necessity to protect your property against any natural and man-made disasters beside your mortgage lender will require you to purchase home insurance.
1-Bundle Insurance Policies:
If you didn't purchase your homeowners insurance yet, and at the same time you own auto or life insurance policies. It's recommended to buy your homeowners insurance policy from the same insurance provider. In this case you will deal with your familiar agent, and save your time when you pay your monthly premium payments along with your auto or life premium. More than that you can benefit from this multi-policies discount and make your premium more affordable by saving up to 10% of all your insurance policies.
2-Raising Deductible:
Your homeowners insurance deductible is the amount of money you pay out before the insurance company start to reimburse you. It's up to you to determine how much you can afford to pay for loss in case your home structure damaged or your items were stolen. It's also depends on whether you live in high-crime neighborhood or not. How much the distance between your home and the fire department or the fire-hydrant? If you live in a safe area and you keep your home well-maintained, reduce your premium by raising your deductible.
3-Boost your Home Safety:
Homeowners insurance companies reward their policyholders who own more secure and safe homes, By offering large discounts on monthly premium. You can save your money and reduce your homeowners insurance rate by taking your home security to the next level. Installing Smoke detectors in your premises and fixing Sprinklers systems will protect your home against fire. If you have fire-alarm connected to fire or police department your insurer will appreciate that and you will be eligible for security and safety discount.
4-Ask About Loyalty Discount:
Keep your home insured by the same company for more than two years if you comfortable with them. The homeowners insurance providers offer the loyal consumers a loyalty discount. If you stayed with your company for more than five years, ask your agent how much you can lower your rate, but don't overlook shopping around to compare your company discounts and other companies' rates the loyalty discount is up to 4% after 3 years and another 4% after six years.
Your homeowners insurance rate is a changeable factor. You can lower your rate and reducing your premium to save your money.
Home Sales Increase, Home Prices Higher
"Members of the Southern Indiana Realtors Association sold 285 homes in June, up 13 percent from a year earlier.
The median sales price rose nearly 3 percent to $120,000. For the full year, the median price in Southern Indiana is $114,550, down 3.7 percent from a year earlier.
The Greater Louisville Association of Realtors said earlier this month that its members sold 1,175 homes in June, down 1.3 percent from a year earlier. Louisville's median sale price of $136,000 in June was down 3.5 percent...." Louisville Home Sales Median Price Decreases
from Louisville Courier Journal
Home Sales Increase, Home Prices Higher
"Members of the Southern Indiana Realtors Association sold 285 homes in June, up 13 percent from a year earlier.
The median sales price rose nearly 3 percent to $120,000. For the full year, the median price in Southern Indiana is $114,550, down 3.7 percent from a year earlier.
The Greater Louisville Association of Realtors said earlier this month that its members sold 1,175 homes in June, down 1.3 percent from a year earlier. Louisville's median sale price of $136,000 in June was down 3.5 percent...." Louisville Home Sales Median Price Decreases
from Louisville Courier Journal
Wednesday, July 15, 2009
Homeowners Insurance - All You Need to Know about Insurance Riders
By Adams Bridges
Homeowners insurance rider is an endorsement policy. You can purchase this insurance endorsement if your basic insurance policy doesn't adequately protect you against all unexpected risks.
1-High-Dollars Items Rider
The basic homeowners insurance policy has limited coverage on expensive items such as jewelry, artwork, and personal computers. The homeowners insurance provider will compensate you with two thousand dollars in case you lost those valuable belongings. If you own jewelry or paintings worth more than this coverage limit you have to buy insurance rider to make sure your possessions adequately covered and the insurance company will reimburse you if your home high-dollars items were stolen. It's important to take inventory for all your valuables and keep its purchase receipts.
2-Flood Rider
Homeowners insurance companies labeled gulf states as high risk area. Some insurance providers stopped insuring against damage caused by floods in states such as Alabama, Mississippi and Texas. On the other hand flood damage insurance is dirt cheap and available in zones far from prone-floods areas. The standard homeowners insurance policy doesn't protect your dwelling against flood. You should purchase flood rider in case your home in flood-prone area. If you need to purchase flood insurance The National Flood Insurance Program provides you with flood coverage.
3-Mold Rider
Your homeowners insurance exclusions is an important part of your policy. Before you purchase the insurance you should ask your agent about what is covered and what is not. You have to read the fine print carefully to make sure you are not under-insured in case you need to file a claim. One of the most common exclusions is mold infestations. Due to increasing claims related to mold, Homeowners insurance companies decided to exclude mold from the covered perils. You need to buy mold rider to be certain your mold claim will not be denied in case you need to file one.
4-Umbrella Liability Rider
Standard homeowners insurance has limited liability coverage. If someone injured in your premises or your pet attacked a visitor and he sued you, the insurance company will pay out for legal and medical expenses but not more than $100.000. In this case you may lose your high-dollars assets due to the lack of your personal liability coverage. Therefore, you should raise your premium and expand your liability coverage amount up to $500.000. You should consider umbrella rider too. This policy has liability coverage up to 1 million dollars.
Homeowners insurance endorsement such as jewelry, flood, mold and umbrella riders is an extra-coverage added to your standard policy.
Kentuckiana Gollf Guide Father & Son Team Classic
"A great opportunity for some family bonding as well as a chance to help out a very worthwhile cause! The Father and Son golf tournament will benefit Children's Peace Hospital in there quest to build a miniature golf course for theraputic purposes. We at the Kentuckiana Golf Guide sincerely ask each and every golfer in Louisville and the surrounding area to help us build this golf course for the kids at Children's Peace Hospital. It's just $250 for a team and that includes golf,cart,lunch and a very valuable goodie bag! A Hole-In-One will get you $10,000 and make sure you register for the $100,000 Shoot-out! " Kentuckiana Golf Guide
New Golf Resource
Kentuckiana Golf Guide in Louisville KY July 31 2009
homeowners insurance quote louisville ky
Kentuckiana Gollf Guide Father & Son Team Classic
"A great opportunity for some family bonding as well as a chance to help out a very worthwhile cause! The Father and Son golf tournament will benefit Children's Peace Hospital in there quest to build a miniature golf course for theraputic purposes. We at the Kentuckiana Golf Guide sincerely ask each and every golfer in Louisville and the surrounding area to help us build this golf course for the kids at Children's Peace Hospital. It's just $250 for a team and that includes golf,cart,lunch and a very valuable goodie bag! A Hole-In-One will get you $10,000 and make sure you register for the $100,000 Shoot-out! " Kentuckiana Golf Guide
New Golf Resource
Kentuckiana Golf Guide in Louisville KY July 31 2009
homeowners insurance quote louisville ky
Tuesday, July 14, 2009
Homeowner Insurance Quote Louisville KY
From Insurance News "If you have more than one property and leave that property unoccupied for more than 30 days at a time, chances are you have voided your homeowners insurance policy for that unoccupied residence, according to a recent InsuranceAgents.com article. If you know one of your properties will be unoccupied for more than 30 days at a time, you should certainly consider... Vacant Home Insurance
Dick Watts Insurance
12200 Shelbyville Rd #112
Lousiville, KY 40243
Call us today for a free Vacant Home Insurance quote 502-245-3625
homeowners insurance quote louisville ky
Homeowner Insurance Quote Louisville KY
From Insurance News "If you have more than one property and leave that property unoccupied for more than 30 days at a time, chances are you have voided your homeowners insurance policy for that unoccupied residence, according to a recent InsuranceAgents.com article. If you know one of your properties will be unoccupied for more than 30 days at a time, you should certainly consider... Vacant Home Insurance
Dick Watts Insurance
12200 Shelbyville Rd #112
Lousiville, KY 40243
Call us today for a free Vacant Home Insurance quote 502-245-3625
homeowners insurance quote louisville ky
Kentucky Music Weekend Louisville KY July 24-July 25
For the 33rd consecutive year, Kentucky Music Weekend will bring the finest folk musicians and Kentucky traditions to the Irqouis Ampitheat and tree lined area nearby. Voted into law as Kentucky's "Premier Folk Festiva in 2000. Kentucky Music Weekend, Louisville KY will again fill the Irquois Ampitheater with sounds of uour history through music of the banjo fiddle guitar dulcimer and vocal harmony
Kentucky Music Weekend Louisville KY July 24-July 25
Kentucky Music Weekend Louisville KY July 24-July 25
For the 33rd consecutive year, Kentucky Music Weekend will bring the finest folk musicians and Kentucky traditions to the Irqouis Ampitheat and tree lined area nearby. Voted into law as Kentucky's "Premier Folk Festiva in 2000. Kentucky Music Weekend, Louisville KY will again fill the Irquois Ampitheater with sounds of uour history through music of the banjo fiddle guitar dulcimer and vocal harmony
Kentucky Music Weekend Louisville KY July 24-July 25
10 cheap ways to care for your car
10 cheap ways to care for your car
Broadly speaking, fewer new cars on the road means more in need of fixing up. And as consumers look to cut costs, many of them are tackling auto repairs on their own. Fifty-one percent of vehicle owners say they’re performing more maintenance on their car instead of going to a mechanic than they were a year ago, according to a survey commissioned by Honeywell Consumer Products Group, a car-care products manufacturer and conducted by Kelton Research, a market research company.
- stick to the recommended gasoline grade
- go easy on the brakes
- check tire pressure
- change the air filter
- check the antifreeze 10 cheap ways to care for your car
AUTO INSURANCE QUOTE LOUISVILLE KY
502-245-3625
DICK WATTS INSURANCE
12200 SHELBYVILLE RD 112
LOUISVILLE KY 40243
AUTO INSURANCE QUOTE LOUISVILLE KY
10 cheap ways to care for your car
10 cheap ways to care for your car
Broadly speaking, fewer new cars on the road means more in need of fixing up. And as consumers look to cut costs, many of them are tackling auto repairs on their own. Fifty-one percent of vehicle owners say they’re performing more maintenance on their car instead of going to a mechanic than they were a year ago, according to a survey commissioned by Honeywell Consumer Products Group, a car-care products manufacturer and conducted by Kelton Research, a market research company.
- stick to the recommended gasoline grade
- go easy on the brakes
- check tire pressure
- change the air filter
- check the antifreeze 10 cheap ways to care for your car
AUTO INSURANCE QUOTE LOUISVILLE KY
502-245-3625
DICK WATTS INSURANCE
12200 SHELBYVILLE RD 112
LOUISVILLE KY 40243
AUTO INSURANCE QUOTE LOUISVILLE KY
Monday, July 13, 2009
Homeowners Insurance - How to Prevent Your Dog from Raising Your Premium?
By Adams Bridges
Homeowners insurance is a necessity to protect your dwelling against any unforeseen perils. You have to keep your insurance rate low and make sure your pet impact on insurance at bay. Dog is man's best friend but it is genuinely wild and territorial animal. If you own a dangerous dog-breed in your place, bear in mind the following factors to avoid raising your homeowners insurance rate.
Homeowners insurance companies pay out hundreds of millions of dollars every year for insurance claims related to dog bites. About thirty percent of liability claims arising from accidents relevant to man's best friend attacks. Therefore, homeowners insurance providers tend to label you as a high-risk, if you breeding an aggressive dog breed. As a result, the insurance company may refuse to insure you against dog-bites liability. On the other hand, the majority of insurance companies opt for raising the dog-owner rates.
If you in the market for homeowners insurance. Make sure that your dog breed is covered by the insurance company before you purchase your policy. It's recommended to shop around and search online for insurance quotes to find dog-friendly insurance company. Conversely, in case you already have an insurance policy consult your agent before deciding which dog breed you will get. And to make sure your premium will not skyrocket. Due to the Insurance companies consider certain dog breeds high risk such as Pit Bull, German shepherd and Saint Bernard.
Be on your insurer good side and enroll your pet in obedience training by professional dog-trainer. When your dog completes the training course send a copy of the training certification document to your agent. This will keep your homeowners insurance premium affordable in the long run. Socialize your dog to people. The well-trained dog is unlikely to bite or attack, therefore your liability claim history will be clean. And that will lower your homeowners insurance rate and decrease you premium.
Put your dog on a leash before your visitors come into your home. Keep the children away from your dog especially your visitors' children. If you take your dog for a walk in public places keep him on a leash. In case you own a dangerous breed such as Doberman pinscher, chow-chow or Huskies use a muzzle on your pet. Hang "beware of dog" sign on your fence to avoid raising your homeowners insurance rate if your dog bites any strangers and liability claim filed against you.
Take these simple precautions and make your dog an insurance-friendly animal by training and socializing him to people. Eventually your homeowners insurance premium will remain affordable.
Sunday, July 12, 2009
Homeowners Insurance Claims - Top Tips to Keep Your Rate Low
By Adams Bridges
Homeowners insurance is a necessary protection for your biggest investment. Saving money in your insurance doesn't mean leaving your home without an adequate coverage. In case you file a claim your homeowners insurance rate will be raised. Bear in mind these significant tips to avoid unnecessary claims and to keep your premium monthly payments affordable.
Keep Your Claim-History Record Clean
Homeowners insurance companies determine how much your insurance rate on basis of a lot of factors. One of them is your personal claim history. The more claims in your record the higher risk your home insurance investment. Avoid filing unnecessary claims by paying out of your own pocket for minor repairs in your dwelling, rather than raising your rate if you have a claim history.
Increase Your Deductible to Pay Less for Your Premium
Your homeowners insurance policy has its deductible up to $250. You are obligated to pay this amount before your insurer begins to pay out for any compensations or repairs in your house. In case you want to keep away from filing too many claims, you have a good chance to do that by increasing your deductible up to $750 and save about 18% of your monthly premium payment.
Boost Your Home Security and Safety to Avoid Filing a Claim
Installing security systems in your home is an effective method to protect your family, pets and your belongings from fire and burglary. At the same time you will be eligible to security discounts, and you will be able to lower the likelihood of filing claims since your dwelling is highly protected from theft and fire. Install Burglar and fire alarms connected to police or fire stations in your home, in addition to smoke detectors, sprinkler system and dead-bolt locks.
Renovate Your Home Systems
Water damage, heating and electricity repairs some of the most common causes make homeowners insurance policyholders file claims. Therefore, you have to update your home plumbing, electrical and heating systems to meet local and state codes. In this case your homeowners insurance rate will be low. And, your home will be safer place. And potential accidents such as pipe burst or electrical surge would be unlikely to happen within your property.
Your homeowners insurance is your safeguard in case of significant losses. Raise your home security level, update your systems, and increase your deductible, to keep you homeowners insurance claim history clean.
Saturday, July 11, 2009
Homeowners Insurance - How to Get Adequate and Cheap Homeowners Insurance coverage?
By Adams Bridges
Homeowners insurance is your safeguard against any dangers could damage your home which is your biggest valuable assets. As a homeowner you should buy the perfect coverage for your particular needs, therefore you have to know what is covered and what is not in your homeowners insurance policy to get rid of any unnecessary coverage raising your premium, on the other hand to be informed about any uncovered property in your house and should be insured.
You should know how much protection your homeowners insurance company gives you. In other words it's important for you to be aware of all exclusions could be exist in your policy to make sure you have a suitable coverage for your specific needs. for example any damage caused by your pet, mice, or mold the company will not pay out to compensate you for those losses. Natural disasters such as floods and earthquake are the most common exclusions in the majority of homeowners insurance basic policies.
After you bought your homeowners insurance policy and make sure that your coverage is adequate. Bear in mind this hidden factor which may leave you uncovered. When you leave your dwelling unoccupied for more than thirty days the insurance company will not reimburse you if your property damaged or stolen during vandalism or burglary. Many homeowners insurance providers may expand this limit up to sixty days.
If you in the market for homeowners insurance. Avoid purchasing more insurance coverage than you need. In case your insurance rate is not affordable, you can save hundreds of dollars in your premium by reducing your coverage amount. You can do that by excluding the land value from the home total cost. You have to insure your dwelling structure and contents only. The land will be undamaged if your home destroyed completely.
The homeowners insurance companies minimize unattached structures coverage to ten percent of your whole dwelling insurance. Due to the separate structures such as gazebo and tool shed and garage may contain flammable materials make your home insurance a high risk investment. Homeowners insurance providers don't insure the contents of those structure like your car in the garage, exercise equipments and any items prone to burglary. To make sure you are adequately protected you should purchase extra insurance coverage for your home detached structures.
Save your money by following these tips and in the same time keep your home adequately insured against any unforeseen perils.
Friday, July 10, 2009
Thursday, July 9, 2009
Louisville Blues n Barbecue Festival
The Louisville Blues-n-Barbecue Festival has been heating up mid-summer since 1998, offering you a chance to kick back and enjoy the intoxicating sounds of New Orleans and Memphis as well as outstanding barbecue.
Louisville Blues n Barbecue Festival
The Louisville Blues-n-Barbecue Festival has been heating up mid-summer since 1998, offering you a chance to kick back and enjoy the intoxicating sounds of New Orleans and Memphis as well as outstanding barbecue.
Louisville Homearama 2009
"Homearama this year is taking place at Shakes Run & Poplar Woods from July 11th to July 26th. Shakes Run is located on Eastwood-Fisherville Road just a mile and a half south of Shelbyville Road. Poplar Woods is located in North Oldham County...."
Louisville Ky Homearama 2009
Home Owners Insurance quote Louisville KY
Call us for a free home owners insurance quote 502-245-3625
Louisville Homearama 2009
"Homearama this year is taking place at Shakes Run & Poplar Woods from July 11th to July 26th. Shakes Run is located on Eastwood-Fisherville Road just a mile and a half south of Shelbyville Road. Poplar Woods is located in North Oldham County...."
Louisville Ky Homearama 2009
Home Owners Insurance quote Louisville KY
Call us for a free home owners insurance quote 502-245-3625
First Time Home Buyer Tax Credit
First Time Home Buyer Tax Credit
Economic stimulus helps 1st time homebuyers
"Many consumers are feeling the effects of the recession, and that has kept potential first-time homebuyers sitting on the fence. But that may be chainging as a result of the government's economic stimulus package, because "Your Money Counts."
An $8,000 tax credit aimed at jump-starting home sales is helping some people buy their first house...." Economic Stimulus helps first time home buyers
Home Insurance
502-245-3625
Louisville KY
Dick Watts Insurance
Economic stimulus helps 1st time homebuyers
"Many consumers are feeling the effects of the recession, and that has kept potential first-time homebuyers sitting on the fence. But that may be chainging as a result of the government's economic stimulus package, because "Your Money Counts."
An $8,000 tax credit aimed at jump-starting home sales is helping some people buy their first house...." Economic Stimulus helps first time home buyers
Home Insurance
502-245-3625
Louisville KY
Dick Watts Insurance
Neighborhood Assistance Corp. of America event aims to help homeowners avoid foreclosure
Neighborhood Assistance Corp. of America event aims to help homeowners avoid foreclosure
"Thousands of homeowners at risk of foreclosure will have the chance to restructure their mortgages -- in as little as a day -- and keep their homes, when a nationally recognized nonprofit comes to Cleveland next week to launch a multi-city Save the Dream tour.
The Neighborhood Assistance Corp. of America will bring more than 250 ..." Neighborhood Assistance aims to help homeowners avoid foreclusre
homeowners insurance Louisville KY
Homeowners Insurance quote- 502-245-3625
Neighborhood Assistance Corp. of America event aims to help homeowners avoid foreclosure
Neighborhood Assistance Corp. of America event aims to help homeowners avoid foreclosure
"Thousands of homeowners at risk of foreclosure will have the chance to restructure their mortgages -- in as little as a day -- and keep their homes, when a nationally recognized nonprofit comes to Cleveland next week to launch a multi-city Save the Dream tour.
The Neighborhood Assistance Corp. of America will bring more than 250 ..." Neighborhood Assistance aims to help homeowners avoid foreclusre
homeowners insurance Louisville KY
Homeowners Insurance quote- 502-245-3625
Tuesday, July 7, 2009
Homeowners Insurance - How to Maximize Your Dog and Premises Liability Coverage?
By Adams Bridges
Your home is the place where you protect yourself, your family and your pets against any danger. You keep your belongings in your home therefore, buying homeowners insurance and contents coverage is a recommended method to gain peace of mind. Liability coverage protects you and your household against any legal consequences may arise in case one of your visitors injured in your house or any property damage caused by your pet.
According to Centers for Disease Control and Prevention: dog bite is the third cause of injuries and emergency room visits or hospitalization in the United States. Most of liability claims filed against homeowners insurance policyholders is due to dog bite. Homeowners insurance provider may not pay out for liability if the dog has history of attacking people and the company may consider the attack due to negligence of the dog owner. In many cases the company may not insure the dwelling at all, if the owner keeps dangerous breed.
If you have any dangerous breed such as German shepherd or pit bull, it's necessary to get your pet well-trained by a professional dog trainer. Never unleash your dog in public. Children are vulnerable to dog bite, therefore don't leave children alone with your dog. It's important to review your homeowners insurance policy to make sure your liability coverage is adequate in case your dog bites anybody and he or she sue you. The standard homeowners insurance policy has a liability amount up to $100.000 you can raise your coverage up to $500.000 to avoid being exposed.
Premises liability coverage is an important part of your basic homeowners insurance policy. Liability coverage is the only guaranty prevents any financial loss could happen to you and your family. In case part of your dwelling's construction collapses over your neighbor roof causing significant damage, your homeowners insurance company will pay out if lawsuit filed against you and the judge find you legally responsible for the loss. Your liability coverage protects you against any medical expenses if one of your visitor injured while he or she is in your premises your liability insurance extended to cover your family, your pets and anyone live within your premises.
Buy adequate liability coverage when you in the market for homeowners insurance to boost your financial stability.