What's Covered Under Homeowners Insurance

By Lucille Green

Most of us love our home and spend a great deal of time and our spare cash to make them look nice inside and out but accidents, including those nature throws at us, happen all the time. It is essential that your house is protected from as many threats as possible, including those from felons in addition to accidents or acts of nature. This is the reason individuals take out householders insurance which providing an agreed monthly insurance price is paid, the insurance underwriter will guarantee payment to rectify the situation.

Typical positions covered by most house insurance policies are damage to the property, possessions, theft of items, acts of hooliganism and of course, fire. Most insurance policies have a deductible but considering the amount of cash that might actually be paid out in the event of a major catastrophe then this amount is normally quite small in comparison.

The Web has opened up a whole new breed of insurers many of which do not in reality have offices but can supply householder's insurance to cover damage or loss of personal possessions. It doesn't take that long to visit a decent number of web sites to get quotes from all of them and see what you can get from each for the monthly premium they are asking.

While you compare the insurance quotes, which should help you to comprehend which insurance will offer the best benefits, it is essential to consider the flexibility of the insurance rather than be tempted merely by a low premium. Even individuals that have mortgages will be required by the lender to guarantee their house has a householder's insurance policy in force.

Although monthly premiums may be an issue, it is quite common for discounts to be available for people starting a plan with a new insurer. Many householders have learnt they can reduce their monthly insurance payments by raising their excess limit, often by two or three times the amount on the insurance thus this is worth considering.

It is also worth arranging for your insurance policy to ensure that new goods are bought at today's prices otherwise replacing your property might be very difficult. The chances are that this won't occur but you need to be aware that a replacement value insurance policy is necessary if you want to replace possessions and household merchandise at today's prices.

Your house is in all probability going to be the most expensive thing you ever insure not just for the price of replacing the building but also for the contents which means personal items and perhaps valuable items. It's advisable to get as many of your possessions covered as possible in your homeowner's insurance insurance policy thus quite simply, whatever is precious to you ought to be covered. - 23211

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Classic Car Insurance Tips

By Tom Martens

A classic car is a sizeable investment. You need to protect that investment by making sure the car is properly insured. The coverage you need will depend on how you use the car.

There are three types of car insurance. Actual cash value is the most common type of car insurance. It pays out the depreciated book value of the car. Stated value allows the car?s owner to state a value for the vehicle that is greater than the actual cash value. Agree value guarantees the car?s owners will get all of their money back in the event that the car is a total loss.

All car insurance companies offer these kinds of policies. There is also a fourth kind of coverage, a classic car policy, which may be less expensive and less restrictive. To qualify for this lower-cost coverage, the insurance company many require that you have reached the age of 25, or even 30. It may limit the number of miles you drive the car to just 2,500 a year, sending out an underwriter once a year to check your odometer. Qualified agents can give you all the specifics about this kind of coverage.

Whether you choose a standard car insurance policy or a classic car insurance policy, make sure you find an insurance policy with flexible usage guidelines. You want to make sure the car insurance policy is flexible enough to meet your needs while providing adequate coverage to protect your investment. Many insurance providers offer mileage programs for classic cars, which tend to be driven less than other vehicles. Some programs will allow the driver to drop down their premium if they only drive the classic car a certain number of months a year. This is an option to consider if you keep the classic car in storage for part of the year.

When the time rolls around to get your vehicle insured, do some comparison shopping. First, be sure your agent has experience with classic cars. You want to get the coverage you need, but you do not want to pay for expensive options that you do not. Make sure you get more than one quote. Compare coverage and premiums and see which company really offers you the very best deal. Just be sure the policy meets your needs, not the needs of some hypothetical classic car fan. It's never a good plan to go for the cheapest policy only to find out later you weren't covered.

Regardless of what type of car insurance policy interests you, make sure you work with a qualified insurance provider. They can look at your exact situation and recommend the insurance product that will best suit your specific needs and protect your classic car investment the way it should be protected. - 23211

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

3 Possible Ways Your Medical Insurance Company Might Be Conning You

By Donald Saunders

The ever rising number of consumers signing up for health insurance plans has resulted in a rise in the number of scam medical insurance providers. These medical insurance providers often target people who have recently retired and seniors who are unable to arrange better rates with legitimate health insurers. Read on to discover 3 ways in which your health insurance company may try to scam you.

1. Failure to settle claims

Usually sham health insurance agents sign up a very large number of individuals quickly by offering them lucrative deals. These insurers themselves pay small premium amounts and settle small medical claims but, if there is a sizeable claim has to be met or regulators catch them, these illegal companies simply vanish as if they had never existed.

So, just beware if you you encounter delays in receiving payments or if your insurer is offering poor excuses for failing to make the payments. If you have one of these unlawful plans you may also find that you are liable for medical bills for your employees as well if you have taken a policy as a small business employer.

2. Selling health plans which are not licensed

If the insurance company does not have a license from the State Insurance Commissioner then you could find yourself in difficulty. In this case your service provider is almost certainly scamming you by offering non-licensed health plans.

You also need to know that agents are not allowed to provide union or ERISA plans, both of which are governed by federal law. So, if your insurance agent tries to dupe you by selling you an union or ERISA plan you should report this to your state insurance department.

3. Unusual cover being offered at lower rates

If you are offered unusual cover regardless of your state of health and at a lower rate than you would expect from other insurers then it is time for you too hit the panic button. Do not get taken in by an apparently very attractive offer as you are more than likely to find yourself being taken for a ride. The scammer's aim is to collect very large sums of money as early as possible and so they try to sell as many plans as they can as fast as possible before they disappear.

Of course these are just a few of the many tricks that the scammers get up to but in most cases the presence of one or more of these things should make you stop and look closely at what you are purchasing. - 23211

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Buy Auto Insurance For Teens

By Frederich Mach

Adding a teen in your car insurance policy or making them own their own policy can be costly, not to mention the risks of driving can do. These are some of the reasons why parents get fearful once their teen knows how to stir a vehicle. The high cost of insurance rate that car insurance companies are putting is because the number of teen related driving accident is large.

The most effective way for you to save money on buying auto insurance is not let your teen drive at all and not until they are older. But in most cases, it's very challenging for parents to stop their teens to drive and most parents will end up giving the car keys.

Apparently, there are ways to make that high premium cost to drop. One way to save money is to try and compare which is going to cost less, it either including your teen in your policy or letting them have their own car insurance policy. If that doesn't work or the premium cost is basically the same, then follow this money saving tips.

Car insurance companies don't like teens driving fast and expensive cars. Buy your teen an old car or cars that are heavy compared to today's cars. Those types of cars are harder to drive faster because of the weight thus they are less likely to crash.

Although teens don't have driving experience yet for car insurance company to analyze, they can reduce their premiums annually if they maintain a clean driving record. You can also enroll them for a defensive driving class to help reduce the cost of premiums.

A car insurance company likes teen with good grades and teens who are involved in community organizations. As a reward, most insurance company is giving them discount on their premiums.

Teens should not underestimate the risk of driving. And for the parents, safety is still the number one priority. Give them restrictions so your teen will be safe on the road. - 23211

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A Look at Antique Car Insurance

By Lindelwa Laz

Often the cost of replacing an antique car is difficult to put into figures but even so, it will still need to be insured. There are many companies available that provide and even specialize in antique car insurance as the number of enthusiasts in this area increases. Of course, with so many classic motorcar insurers available, an owner should not have a problem insuring their prized possession and in all probability won't have to pay over the odds for the service.

Even commercial automobile underwriters are getting in on the act now with plans to protect old cars they call them 'collector car insurance'. A representative will take all of your facts and discuss different policy options to guarantee that you are obtaining the coverage you need. Of course just what level of protection you will decide upon will be down to your budget and how much they set the excess at.

These commercial insurance underwriters are able to provide you peace of mind as they are generally well established and therefore safe, in all likelihood with a large satisfied customer base so you know your antique car will be safe with them. If you purchase a motorcar plan through one of these large commercial insurance companies then the chances are you will also be able to insure your regular automobile with them, now and again on the same policy. The security of having an established company provide old motorcar insurance for an older automobile is well worth the rates that they will charge you to provide with peace of mind.

While cost is an issue you may find the specialist automobile insurance underwriters that exist may be less expensive and be able to provide a superior service as they know more about these types of automobile, but they are not likely to insure any other automobile you own. There are even companies that will only insure a particular type of classic automobile which might make it difficult finding an insurer for your own vehicle.

To be on the safe side it is best to check out any insurance firms, peculiarly the smaller ones so you can be pleased in the knowledge that your premium money and old auto are not at risk. The last situation you want is to require their help and find that all your premiums have been wasted because they cannot or will not pay out on your claim.

Locating an old motorcar insurance company is not as straightforward as finding a regular motorcar insurance provider but if you want to know your precious motorcar is protected, it must be done. Many classic automobiles are considered as works of art that will never be repeated and cannot be replaced, but they are also a considerable financial investment on the part of the owners so must be insured. - 23211

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