Archive for January, 2009
Your House is Important to You, So Why Not Insure it Properly?
Monday, January 26th, 2009One of the biggest investments the ordinary person will make is the purchase of their family home. But, a house is not just an investment, or an asset. It is where your family grows, where you keep your treasured memories. What would you do in the event that something happened to your home? How would you replace not only the structure itself but all of the things that it kept inside? Can you really afford to not have homeowners insurance?
The Cost of Fire: Why You Should Protect your Business
Monday, January 26th, 2009First the raw numbers: In 2006, 1.6 million fires caused $11.3 billion worth of damages to businesses. Consider this: a fire is more than a minor problem for a business, any disruption of goods or services can spell devastation. Will you really be able to financially recover from a loss due to a fire if you are not properly insured?
Most property policies cover loss from fires, but be sure if the amount is enough. Since policies are usually written in broad terms, there are bound to be limits applied, so if your business has higher fire risks, then you might want to consider adding a specific fire policy on top of the more general property policy. Ask your insurance agent to give you a risk assessment.
Insurance Needs for New Homeowners
Saturday, January 24th, 2009Congratulations! You have bought a new home! You have made a wise and sound investment, but have you fully covered your home and all that it contains? A home is not the brick or wood that it is built from, it is not just a place to keep all of your stuff. This is where you live, raise a family, and it is your shelter from the storms of life, so you need to protect it. And you need to protect all of your stuff in it too.
Companies that Insure Jewelry
Saturday, January 24th, 2009Most insurance companies will cover your fine jewelry for you. While you do have some protection under your homeowners policy, there are limitations, especially in the case of very old or very expensive jewelry. It is always wise to consider insuring priceless heirlooms on their own policy. Of course, the most basic rules of insurance shopping applies: know how much coverage you actually need, know exactly how much coverage you need, and know which company will offer you the best price for this coverage.
Companies that insure jewelry all basically agree on a few other points as well.
Is laptop insurance cover a necessity?
Saturday, January 10th, 2009Laptop computers are very adaptable. They are used in so many different situations, but as a consequence their flexibility can lead to them getting damaged. Laptops can be taken to so many different places; indeed, many people choose to take them on vacation, but with this comes the added risk of them incurring significant damage.
Well, should people actually consider implementing laptop insurance, when they have home insurance running that actually provides you with appropriate laptop insurance cover? I would suggest yes, as the home cover often has with it an extremely high excess fee that you would need to pay should you have to make a claim. There are many laptop computer insurance providers around, so take some time to consider each one carefeully prior to the implementation of your policy.
