February 9th, 2010 
admin 
No homeowner wants to have to file a home insurance claim, but sometimes due to our own lack of foresight, it does happen. The majority of home insurance claims, which boost the insurance rates, were from completely preventable accidents. If you know what to do, you can keep your premiums at a minimum and manage to keep your home safe, at the same time.
Some insurance claims are particularly common and can be prevented if you know what to watch for.
Water Damage
Pipes leaking or freezing can cause a lot of water damage in a short amount of time. Often, we don`t notice leaking pipes until they have already caused a lot of problems. The best way to prevent this very common issue is to inspect pipes on a regular basis and get them fixed immediately if you find any problems. Don`t wait for a major drop in water pressure to warn you that there`s a big problem, have a plumber check out any suspicions.
Frozen and burst pipes can be an issue during the winter in colder areas. If you are going to be out of the house for a while, be sure to set the thermostat above freezing and arrange for someone to check the place a couple of times a week while you are gone, particularly if there is a sudden drop in the termperature.
Electrical Fires
Most fires that cause damage to a home are due to poor wiring or a short circuit. Older homes are certainly more vulnerable to this issue, but any home can suffer from an electrical fire if they aren`t careful.
Regular inspections of cables and cords should be done every 3 months or so. Look for sockets that are coming loose, wires on appliances that may have been stripped or separated from the plug head a bit, and anything else. Wires should never be run under a carpet or across an area where they will be stepped on, since this can cause some serious problems with fraying and later cause a fire.
If you move into a new home, have an electrician do a complete inspection for faulty wiring, just to be on the safe side. Yes, it will cost you, but in the end, it`s worth it because you`ll have lower monthly home insurance rates.
Lamps, Christmas lights and other lights should be turned off rather than left on all night. The majority of electrical fires start during the winter, particularly during the holiday season.
Burglary
You`ll want to make sure that your home is as secure as possible against thieves who could not only cause damage to your home, but also your family. Make sure there are locks on all windows and doors and install an alarm system.
An automatic light system can be a great safety item, turning lights on and off randomly throughout the house while you are away. Even if you tend to work late, this can be helpful, keeping the potential burglars in the dark as to when you actually get home. A predictable schedule puts your home at risk.
Keeping your home safe and secure is just common sense. You don`t want to suffer from any problems in the home, of course, but the added problem of having the rates for your home insurance rise is a big problem when things go wrong. Take the time now to prevent these common issues and make sure that you schedule routine inspections and you should have no problems with your insurance. Most problems are completely preventable, so you`ll be covered when something unexpected happens.
Watch the video related to home insurance
Help answer the question about home insurance
Is it a good idea to put your home insurance into an escrow?Some people are telling me yes and some people say that it's a bad idea because your mortgage company can make your insurance payment late. What do you think? I'm a first time home buyer so I'm so lost. Thanks.
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Amazing painting, and love your song also.
fantastic!
You may have the HO-5 policy which is a good policy if you live in an area where the temperature drops way below freezing. It covers things like frozen pipes and damage from weight of snow or ice. The basic policy, HO-1, is for people who live in warmer climates. It's the best value in a policy if minimum premiums are your goal. So get out your homeowner's policy so that you can check coverages and make any possible changes.
Also, see what your deductible is. You can save money by raising your deductible to $500 or $1000. But be sure you check with your morgage company for the minimum required coverages.
Check to see if you have replacement value coverage, not market value coverage. Replacement value coverage will pay whatever it cost to replace your home. Make sure your fire insurance is also replacement value coverage. You can also ask for an appreciation clause in your policy that will automatically raise your coverage limits each year for inflation.
And, check your policy for gimmick insurance that may be attached to your policy. Examples are:
Credit Life Insurance
Credit Disability Insurance
Morgage Life Insurance
Automobile Service Contracts
Extended Waranties on Appliances and Electronics
Chargegard
And finally, check all options to your homeowners's policy. None of these are a good value.
1)Removal of debris
2)Damaged-property removal
3)Fire department surcharges
4)Temporary repairs to prevent further damage to property
5)Trees, shrubs, and plants – since windstorms are excluded, this insurance is of little value
6)Stolen credit cards
You used the words paid, pay, money, spend, and they are all correct. It is all about the money, yours specifically, and how much of it the insurance industry can get (steal).
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Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
Insurance companies are wary of lapses in any kind of insurance policies. In your case it just happened to be home insurance.
The single most feared factor in the insurance business is not hurricanes, not bush-fires, not wars, not meteor strikes but what's known as 'moral hazard'. Moral hazard is, in simple terms, lack of inhibition in preferring a claim under less than above-the-board circumstances.
For example, if your camera is insured for home use only, you cannot make a claim if the insured camera suffers damage during a jungle safari. Most of us, being honest persons, would not even want to claim under such circs. However, since, as a rule it takes all kinds to make this world, there exist individuals who would make a claim as if the damage occurred at home. Such individuals are considered to be 'moral hazards'.
Coming back to your original question, insurance companies know from empirical evidence that the incidence of moral hazard is greater – much greater – in those cases where there's a break iin coverage. It's likely that the insured is trying to renew the policy after a loss has occurred.
You need to provide evidence to the insurance company that you did not intend to let the policy lapse. That it lapsed, is a fortuitous happenning (please note the wording – underwriters love such language) and not a deliberate omission. 'I do not want to be penalised for something over which I had no control' is the line you need to take. You could strike lucky with this line.
you, sir, are freakishly talented. congratulations.
wow, amazing. Deep is my favorite actor too.
(Brasil)
Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
"Homeowners insurance" covers the owners dwelling [house/garage] and contents [owners personal property on the premises]. "Owner" [landlord if he is the owner] takes out this policy and is responsible for the premiums. If building is leased or rented out, it does NOT cover tenants personal property, such as furniture, electronics, etc, or even tools borrowed from a neighbor.
"Renters insurance" covers the tenants personal property only. They take out this policy and pay the premiums.
Home owners policies cover every circumstance EXCEPT what is listed in writing, or "exemptions". These are normally: floods [obtain this through FEMA], home businesses losses [such as a fire in a residential garage being used as auto repair business], or anything else that is listed in writing. If your house up in Alaska gets stampeded by purple elephants, and it is NOT listed as an exclusion, it WILL be covered.
AMAZINGGG
amazing, how is that possible!? !?
Try this site to find the best home insurance company that suits your need
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Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
True, but it depends on the exact type of business.
I'd think, with no foot traffic, and no business property exposure except a laptop, and no manufacturing going on, most homeowners carriers won't have a problem – If you carry business liability insurance.
Even if you don't want to carry insurance for the business, you'll still likely be able to find an insurer willing to cover the homeowners part (none will cover the business part), you'll just have to look a little harder. Use an independent agent, and they'll be able to take care of you.
my favorite actor! too!
Johnny Depp! best movie Edward Scissorhands! your Awsom! artist!
Why not just go to an online site that will give you bids from multiple agencies. It's quick and you're not at any risk, and it will give you a ballpark figure to work with and decide what is right for you.
http://insurance.deal4-you.com
.
AMAZING!! love it!
its like u took a picture@@
GOOD JOB! I Will Susrcibe!
whoever owns the house
duh
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Here you can get free quotes from different home insurance companies in your area, its the best way to find an afforable home insurance with a reliable company.
Best Wishes,
I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures. Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down.
It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win.
I believe you apply for as built permits from the Building Department in the city. Make sure you're in the incorporated portion of the city, otherwise you'll have to go to the County Building Department.
Also, if the bank didn't know that these additions were unpermitted, you wouldn't have an recourse. Most foreclosures are sold as is and requires buyer's diligence. A title insurance policy may or may not disclose unpermitted additions (depends on the wording of the policy). As I recall, a title insurance policy only guarantees that you have marketable title to the property.
You need to change or they will not pay if you have a claim. Holes are not covered, neither is most tenant damage. But, you still need fire damage, weather, etc etc.
Also, if you are going to allow animals check your policy, they are not likely to cover your property if you allow any dangerous animals.
Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.