Monday, June 29, 2009
Homeowners Insurance - Take Advantage of These Insurance Discounts to Save Your Money
Sunday, June 28, 2009
How much does the Average Tampa Homeowners Insurance Cost?
By Adams Bridges
Homeowners insurance is the best method to keep your biggest valuable investment safe against man-made disasters or any climate perils your dwelling vulnerable to. If you are a resident in Tampa, buying a homeowners insurance policy is more important to protect your home against hurricane, flood or thunderstorms. The insurance companies take Tampa as a highly-risk area. Therefore it isn't easy task to find affordable homeowners insurance in Tampa.
You have a chance after reading this article to buy lower homeowners insurance policy, if you figure out the elements determine the homeowners insurance cost in Tampa. Some of those elements are unchangeable like the distance between your home and the coast, the far your home from coast the low your premium will be. On the other hand you have a full control over other elements like raising your home safety by fixing sprinklers and deadbolt locks which leads to decreasing your homeowners insurance cost.
According to a study was held by NAIC in 2007, the average premium cost was $1830 in Tampa. This is due to the raising of all Gulf States insurance rates after hurricane Katrina. All homeowners insurance companies decided to double the insurance cost or may reduce their business in these highly-risk states. But you still have a good opportunity to find affordable deal by surfing the internet comparing online quotes and get homeowners insurance policy in Tampa.
Although the homeowners insurance cost in Tampa is very expensive, you can lower your premium 25% by increasing your deductible which is an amount of dollars you pay before the insurance company start to pay you if you file a claim and that will minimize the probability of filing a claim and minimize you premium amount. You can decrease your insurance cost if you buy health and auto insurance policies from the same provider. In other words in case you benefit from multi-policies discount.
If you have a trampoline, a swimming pool or a dangerous pet like a German shepherd. That will raise your premium. Because your home will be rated as a high-risk place, in case one of your guests gets injured and the insurance company pays for liability.
The discounts homeowners insurance companies offer to their clients are different from company to another, you have to ask your agent about the discounts that you may eligible for to be sure you minimize your homeowners insurance premium.
Homeowners insurance is the best method to keep your biggest valuable investment safe against man-made disasters or any climate perils your dwelling vulnerable to. If you are a resident in Tampa, buying a homeowners insurance policy is more important to protect your home against hurricane, flood or thunderstorms. The insurance companies take Tampa as a highly-risk area. Therefore it isn't easy task to find affordable homeowners insurance in Tampa.
You have a chance after reading this article to buy lower homeowners insurance policy, if you figure out the elements determine the homeowners insurance cost in Tampa. Some of those elements are unchangeable like the distance between your home and the coast, the far your home from coast the low your premium will be. On the other hand you have a full control over other elements like raising your home safety by fixing sprinklers and deadbolt locks which leads to decreasing your homeowners insurance cost.
According to a study was held by NAIC in 2007, the average premium cost was $1830 in Tampa. This is due to the raising of all Gulf States insurance rates after hurricane Katrina. All homeowners insurance companies decided to double the insurance cost or may reduce their business in these highly-risk states. But you still have a good opportunity to find affordable deal by surfing the internet comparing online quotes and get homeowners insurance policy in Tampa.
Although the homeowners insurance cost in Tampa is very expensive, you can lower your premium 25% by increasing your deductible which is an amount of dollars you pay before the insurance company start to pay you if you file a claim and that will minimize the probability of filing a claim and minimize you premium amount. You can decrease your insurance cost if you buy health and auto insurance policies from the same provider. In other words in case you benefit from multi-policies discount.
If you have a trampoline, a swimming pool or a dangerous pet like a German shepherd. That will raise your premium. Because your home will be rated as a high-risk place, in case one of your guests gets injured and the insurance company pays for liability.
The discounts homeowners insurance companies offer to their clients are different from company to another, you have to ask your agent about the discounts that you may eligible for to be sure you minimize your homeowners insurance premium.
Saturday, June 27, 2009
Homeowners Insurance - 7 Tips to Avoid Mistakes before Buying Your policy- part 2 of 2
By Adams Bridges
Homeowners insurance is the most important way to protect your most valuable assets. Before you buy homeowners insurance policy, bear in mind these seven tips to avoid wasting your money. In this article I refer to the most common mistakes the insurance buyers make while they buy their first policy. By avoiding these mistakes you can save a hundred of dollars by decreasing your premium.
5- Read the policy carefully before you buy your homeowners insurance
One of the most common mistakes that some homeowners do is signing up their policy without read it thoroughly. The exclusions of the insurance coverage are written in separate part. You should read the small prints patiently. And if you have any question about unclear term on the policy, ask your agent to clarify it. Educate your self about your state insurance laws before you buy your homeowners insurance policy.
6- Review your policy to avoid being under inadequate coverage
Review your policy once a year, in case you build an addition to your home you should include this addition under your coverage. If you update your electrical and plumping systems you have to do the same. The building materials and labor cost change over years and that may leave you under inadequate homeowners insurance coverage if you ignore reviewing your policy
7- Take an inventory of all your valuables items
If you are ready to buy your homeowners insurance policy, it's a good idea to start to perform a home contents inventory to ensure that contents value doesn't exceed the 70% of the price of your home structure. If you have expensive items like jewelry or artwork resulting in exceeding this limit then you need a rider for more coverage. It's an easy way to take an inventory by taking a video of all your belongings by a video cam. Put every receipt beside its item (especially the expensive items) while you taking the video to show brand, date of purchase and sales price in case you need to file a claim.
Having your home adequately insured against any dangers like fire, theft is the best way to protect your most expensive property. You have a good chance to reduce your homeowners insurance cost by shopping around, asking for discounts, read the fine prints and review your homeowners insurance policy from time to time.
Homeowners insurance is the most important way to protect your most valuable assets. Before you buy homeowners insurance policy, bear in mind these seven tips to avoid wasting your money. In this article I refer to the most common mistakes the insurance buyers make while they buy their first policy. By avoiding these mistakes you can save a hundred of dollars by decreasing your premium.
5- Read the policy carefully before you buy your homeowners insurance
One of the most common mistakes that some homeowners do is signing up their policy without read it thoroughly. The exclusions of the insurance coverage are written in separate part. You should read the small prints patiently. And if you have any question about unclear term on the policy, ask your agent to clarify it. Educate your self about your state insurance laws before you buy your homeowners insurance policy.
6- Review your policy to avoid being under inadequate coverage
Review your policy once a year, in case you build an addition to your home you should include this addition under your coverage. If you update your electrical and plumping systems you have to do the same. The building materials and labor cost change over years and that may leave you under inadequate homeowners insurance coverage if you ignore reviewing your policy
7- Take an inventory of all your valuables items
If you are ready to buy your homeowners insurance policy, it's a good idea to start to perform a home contents inventory to ensure that contents value doesn't exceed the 70% of the price of your home structure. If you have expensive items like jewelry or artwork resulting in exceeding this limit then you need a rider for more coverage. It's an easy way to take an inventory by taking a video of all your belongings by a video cam. Put every receipt beside its item (especially the expensive items) while you taking the video to show brand, date of purchase and sales price in case you need to file a claim.
Having your home adequately insured against any dangers like fire, theft is the best way to protect your most expensive property. You have a good chance to reduce your homeowners insurance cost by shopping around, asking for discounts, read the fine prints and review your homeowners insurance policy from time to time.
Homeowners Insurance - 7 Tips to Avoid Mistakes before Buying Your policy- part 1 of 2
By Adams Bridges
Homeowners insurance is the most important way to protect your most valuable assets. Before you buy your insurance policy, bear in mind these seven tips to avoid wasting your money. In this article I refer to the most common mistakes the insurance buyers make while they buy their first policy. By avoiding these mistakes you can save a hundred of dollars and decreasing your premium
1- Shop around to avoid overpaying for your homeowners insurance policy
Your mortgage lender recommends that you buy a policy from certain homeowners insurance provider. In this case you will lose a good chance to save a hundreds of dollars, by missing the advantage of shopping around. This is due to the fact that insurance rates vary from company to another. Instead of wasting your valuable time shopping for a low-price grocery, spend more time to find an affordable homeowners insurance policy. Your friends are good information source of low-rates providers. And it's a good idea to get online quotes to find your best deal.
2- Don't buy homeowners insurance policy without double checking the provider reputation
A lot of homeowners insurance companies compete in homeowners insurance market. And you should choose the most reputable and suitable company for your unique needs. That's easy now and thanks to companies rating web sites like 'ambest.com' this site provides homeowners with reliable information about insurance companies. Another site 'Standardandpoors.com' compares the companies on the basis of their response to your claim. You can also check any company reputation from 'NAIC.com' or check their complaint levels from your state department of insurance.
3- homeowners insurance is only for the home structure don't insure the land.
Don't miscalculate how much your home need to be precisely insured. By adding the value of the land to the total amount of your homeowners insurance your rate will be raised. While large portion of what you pay to purchase your house is the cost of the land which will be intact even if your house destroyed completely. So there is no need to raise your insurance rate by including the land under your home insurance coverage.
4- Ask your agent about discounts don't miss this chance to save a lot of money
All homeowners insurance providers offer discounts on the premium to attract more customers to their business. It's a good opportunity to benefit from these discounts and save up to 10 percent of your premium by fixing safety appliances like burglar alarms, window locks, smoke detectors, fire sprinklers in your dwelling. There is a senior citizen discount for 55 years old homeowners because they spend more time in home their houses are in low risk. Don't forget to ask your agent about multi-policy discount in case you sign up for car insurance from the same company too. Keep asking your agent until you know all the discounts you are eligible for.
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The content of this blog isn't considered as a legal advice. The content on this blog is just for educational or entertainment goals only. You are responsible for your acts if you use any content from this blog.
All articles published on this blog and all graphics, slogans, images, and data collections is exclusively owned by this blog and is preserved by international copyright laws. Use of any articles on this blog is firmly forbidden.
Author's Copyright:
You admit that content, containing but not limited to articles, images, graphics or other data published on this blog, or any information you find on this blog, is preserved by copyrights, trademarks, patents, rights and laws. Don't duplicate this content for commercial use, don't alter, duplicate, rewrite, republish, upload, post, by any means articles from this blog.
In case you do any of the above actions or violate author's copyright or republish articles from our blog, you accept to be responsible for all legal fees and legal harms pertinent to copyright violation case.
Disclaimer:
The content of this blog isn't considered as a legal advice. The content on this blog is just for educational or entertainment goals only. You are responsible for your acts if you use any content from this blog.
Thursday, June 11, 2009
auto insurance quote louisville ky
Auto Insurance Quote Louisville KY
Call us for an auto insurance quote Louisville KY
Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
502-245-3625
Call us for an auto insurance quote Louisville KY
Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
502-245-3625
auto insurance quote louisville ky
Auto Insurance Quote Louisville KY
Call us for an auto insurance quote Louisville KY
Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
502-245-3625
Call us for an auto insurance quote Louisville KY
Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
502-245-3625
Tuesday, June 9, 2009
Boating Safety Tips on the Ohio River
Recent Boating Statistics show:
National Safe Boating Council
Call us for a free Boat Insurance quote 502-245-3625
- 685 fatalities — 3,673 injuries — 5,191 accidents — $53 million in property damage.
- 90 percent of drowning victims were not wearing life jackets.
- Alcohol was the leading contributing factor in approximately one-fifth of all boating fatalities.
- Only 14 percent of all boating fatalities occurred on boats where the operator had received boating safety instruction.
- The most reported type of accident was a collision with another vessel. However, capsizing and falls overboard are the most reported types of fatal accidents and accounted for the majority (60 percent) of all boating fatalities.
- Overall, operator inattention, carelessness/reckless operation, excessive speed and passenger/skier behavior are the leading contributing factors of all reported accidents.
- from US Coast Guard
- Wear a life jacket - including all adults & children
- Never boat under the influence
- Take a boating safety course
National Safe Boating Council
Call us for a free Boat Insurance quote 502-245-3625
Boating Safety Tips on the Ohio River
Recent Boating Statistics show:
National Safe Boating Council
Call us for a free Boat Insurance quote 502-245-3625
- 685 fatalities — 3,673 injuries — 5,191 accidents — $53 million in property damage.
- 90 percent of drowning victims were not wearing life jackets.
- Alcohol was the leading contributing factor in approximately one-fifth of all boating fatalities.
- Only 14 percent of all boating fatalities occurred on boats where the operator had received boating safety instruction.
- The most reported type of accident was a collision with another vessel. However, capsizing and falls overboard are the most reported types of fatal accidents and accounted for the majority (60 percent) of all boating fatalities.
- Overall, operator inattention, carelessness/reckless operation, excessive speed and passenger/skier behavior are the leading contributing factors of all reported accidents.
- from US Coast Guard
- Wear a life jacket - including all adults & children
- Never boat under the influence
- Take a boating safety course
National Safe Boating Council
Call us for a free Boat Insurance quote 502-245-3625
car insurance kentucky 502-245-3625
Car Insurance Kentucky
- DUI Insurance
- Speeding Tickets
- Accidents
- International Drivers License
- No Prior Insurance
We can insure all of the above,
Call Dick Watts Insurance 502-245-3625
car insurance kentucky 502-245-3625
Car Insurance Kentucky
- DUI Insurance
- Speeding Tickets
- Accidents
- International Drivers License
- No Prior Insurance
We can insure all of the above,
Call Dick Watts Insurance 502-245-3625
Sunday, June 7, 2009
Auto Insurance Louisville, KY
Auto Insurance Louisville Kentucky
We can insure all of the following:
No Prior Auto Insurance
Tickets/Accidents
DUI
Permit Only
International Drivers License
Call Dick Watts Insurance 502-245-3625 for a free auto insurance quote in Louisville KY
12200 Shelbyville Rd 112
Lousiville KY 40243
We can insure all of the following:
No Prior Auto Insurance
Tickets/Accidents
DUI
Permit Only
International Drivers License
Call Dick Watts Insurance 502-245-3625 for a free auto insurance quote in Louisville KY
12200 Shelbyville Rd 112
Lousiville KY 40243
Auto Insurance Louisville, KY
Auto Insurance Louisville Kentucky
We can insure all of the following:
No Prior Auto Insurance
Tickets/Accidents
DUI
Permit Only
International Drivers License
Call Dick Watts Insurance 502-245-3625 for a free auto insurance quote in Louisville KY
12200 Shelbyville Rd 112
Lousiville KY 40243
We can insure all of the following:
No Prior Auto Insurance
Tickets/Accidents
DUI
Permit Only
International Drivers License
Call Dick Watts Insurance 502-245-3625 for a free auto insurance quote in Louisville KY
12200 Shelbyville Rd 112
Lousiville KY 40243
Thursday, June 4, 2009
New Online Defensive Driving Course Available
A new online Defensive Driving Course has been approved in New York. This means you can get a 10% reduction on your car insurance, and up to 4 points of your DMV Records, without leaving the comfort of your own home.
Click on the photo at left or this link to register.
Wednesday, June 3, 2009
vacant home insurance louisville ky
We can insure your vacant home. If your current home is vacant we can obtain a free vacant home insurance quote from either Foremost Insurance or American Modern Insurance. We offer a 90 day vacant home policy. Call us today for a free vacant home insurance quote
Dick Watts Insurance
502-245-3625
Dick Watts Insurance
502-245-3625
vacant home insurance louisville ky
We can insure your vacant home. If your current home is vacant we can obtain a free vacant home insurance quote from either Foremost Insurance or American Modern Insurance. We offer a 90 day vacant home policy. Call us today for a free vacant home insurance quote
Dick Watts Insurance
502-245-3625
Dick Watts Insurance
502-245-3625
Kentucky Flags at half staff June 3rd
Kentucky flags at half staff June 3 2009
Gov. Steve Beshear has directed that flags at all state office buildings be lowered to half-staff on Wednesday, June 3, 2009 in honor of the passing of Retired Maj. Gen. Robert L. DeZarn who passed away Thursday, May 28, 2009.
Gov. Steve Beshear has directed that flags at all state office buildings be lowered to half-staff on Wednesday, June 3, 2009 in honor of the passing of Retired Maj. Gen. Robert L. DeZarn who passed away Thursday, May 28, 2009.
Kentucky Flags at half staff June 3rd
Kentucky flags at half staff June 3 2009
Gov. Steve Beshear has directed that flags at all state office buildings be lowered to half-staff on Wednesday, June 3, 2009 in honor of the passing of Retired Maj. Gen. Robert L. DeZarn who passed away Thursday, May 28, 2009.
Gov. Steve Beshear has directed that flags at all state office buildings be lowered to half-staff on Wednesday, June 3, 2009 in honor of the passing of Retired Maj. Gen. Robert L. DeZarn who passed away Thursday, May 28, 2009.
Monday, June 1, 2009
Edge Outreach Raffle House
"The proceeds of this rafflehouse will help send the Tichenor family to the Dominican Republic to be EDGE OUTREACH missionaries in the Dominican Republic. Our goal is to sell 10,000 tickets which would go a long way in getting their efforts started with a bang! Click Here to purchase your tickets for just $50...." Edge Outreach House Raffle Middletown, KY 40243
The Great House Raffle 503 Cherry Point Drive, Louisville KY
The Great House Raffle 503 Cherry Point Drive, Louisville KY
Edge Outreach Raffle House
"The proceeds of this rafflehouse will help send the Tichenor family to the Dominican Republic to be EDGE OUTREACH missionaries in the Dominican Republic. Our goal is to sell 10,000 tickets which would go a long way in getting their efforts started with a bang! Click Here to purchase your tickets for just $50...." Edge Outreach House Raffle Middletown, KY 40243
The Great House Raffle 503 Cherry Point Drive, Louisville KY
The Great House Raffle 503 Cherry Point Drive, Louisville KY
Middletown KY News & Homes
Middletown KY 40243 News & Homes
Middletown KY 40243 News
Water Main breaks in Middletown KY May 2009
"The Louisville Water Company wants more than 20,000 customers to boil their water after a massive water main break Wednesday. The break happened around 11 a.m. near U.S. 42 and the Gene Snyder Freeway..."
Middletown KY Real Estate 40243 Homes
Middletown KY Homes
Middletown KY Events June 2009
WJIE Womens Conference Lousiville KY June 2009
Dick Watts Insurance Middletown KY 40243
Dick Watts Insurance Louisville KY 40243
Middletown KY 40243 News
Water Main breaks in Middletown KY May 2009
"The Louisville Water Company wants more than 20,000 customers to boil their water after a massive water main break Wednesday. The break happened around 11 a.m. near U.S. 42 and the Gene Snyder Freeway..."
Middletown KY Real Estate 40243 Homes
Middletown KY Homes
Middletown KY Events June 2009
WJIE Womens Conference Lousiville KY June 2009
Dick Watts Insurance Middletown KY 40243
Dick Watts Insurance Louisville KY 40243
Middletown KY News & Homes
Middletown KY 40243 News & Homes
Middletown KY 40243 News
Water Main breaks in Middletown KY May 2009
"The Louisville Water Company wants more than 20,000 customers to boil their water after a massive water main break Wednesday. The break happened around 11 a.m. near U.S. 42 and the Gene Snyder Freeway..."
Middletown KY Real Estate 40243 Homes
Middletown KY Homes
Middletown KY Events June 2009
WJIE Womens Conference Lousiville KY June 2009
Dick Watts Insurance Middletown KY 40243
Dick Watts Insurance Louisville KY 40243
Middletown KY 40243 News
Water Main breaks in Middletown KY May 2009
"The Louisville Water Company wants more than 20,000 customers to boil their water after a massive water main break Wednesday. The break happened around 11 a.m. near U.S. 42 and the Gene Snyder Freeway..."
Middletown KY Real Estate 40243 Homes
Middletown KY Homes
Middletown KY Events June 2009
WJIE Womens Conference Lousiville KY June 2009
Dick Watts Insurance Middletown KY 40243
Dick Watts Insurance Louisville KY 40243
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