Monthly Archives: November 2015

How To Compare Low Cost Homeowner’s Insurance In Florida

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Your home is probably your biggest investment and your most prized asset, so it’s only natural that you should want to protect that investment by purchasing homeowner’s insurance.

But by the same token you don’t want to pay any more for your insurance than you need to, so it is also only natural that you should want to compare low cost homeowner’s insurance here in Florida so you feel confident that you have gotten the very best deal you possibly can.

There was a time when comparing homeowner’s insurance polices among different insurance companies was a time-consuming and almost impossible task. Today, however, there are literally dozens of websites which make comparing policies almost as easy and clicking a button.

Before you jump online and start comparing prices for homeowner’s insurance you really need to structure a policy that you have specifically designed to save you money and then make price comparisons of that policy in order to find the absolutely best price you can possibly find for homeowner’s insurance.

Let’s start by reviewing a few details about homeowner’s insurance. For example, here in Florida you will undoubtedly find that wind damage is excluded from your policy as is flood insurance. You will need to talk with your agent about getting both wind and flood insurance separately from your standard homeowner’s policy.

How much homeowner’s insurance do you need? You need enough to cover the cost of rebuilding your home from the foundation up and of replacing the contents of your home should there be a catastrophic event.

Do not, however, pay to insure the value of the land that your home sits on. The land is not going anywhere.

Keep your credit pristine. Many people are not aware of the part that your credit rating plays in determining how much you pay for homeowner’s insurance. If you have a good credit rating you will pay less each month in premiums for your homeowner’s insurance, and if you have a low credit score you will pay more for the same insurance.

Do you have multiple insurance policies with the same insurance company? If so you should be entitled to a Multi-Policy Discount on your homeowner’s insurance.

Have you been insured by the same insurance company for at least 5 years? If so you should be entitled to a Long-Term Policy Discount.

In order to minimize the threat of fire and so lower your monthly premium, you need to cut back all weeds and brush at least ten feet from any structure.

If you can afford a 24/7 home protection service that monitors your home and reports fire and break-ins to the proper authorities you could save as much as 30% on your homeowner’s insurance each month. But talk to your agent before you commit to purchase any system, as not all systems qualify for the same monthly discount.

If anyone in your household is 55 or older and retired you can get a discount on your homeowner’s insurance since that person will be home a large part of the time to report fires or burglaries.

Make certain that you have installed the correct number of fire and smoke detectors for the size and layout of your house. Make certain that all detectors are working and have fresh batteries. Batteries need to be replaced twice each year. Many people remember to change their batteries by doing so each time they move their clock forward or backward an hour.

Install motion-sensitive floodlights around your home and trim all bushes away from windows to discourage burglars.

Make certain all exterior doors have a working deadbolt lock. Make certain all windows, even hard-to-reach windows, have a working lock.

Lock your house every time you leave, even if you are “only going to be gone for a minute.”

Repair any broken or cracked sidewalks and replace any lose boards or railings on porches or decks. Fill in potholes in landscaping.

If your home is more than 10 years old upgrading plumbing and electrical systems can reduce your monthly homeowner’s insurance premium considerably.

By a fire extinguisher that is specifically designed for your kitchen.

Have rope ladders or other means of escape from upper-story bedrooms.

Make certain that your agent is aware of everything you have done to make your home safer and less susceptible to fire and burglary.

Now that you have created the most cost-effective homeowner’s insurance policy that you possibly can, it’s time to go online and find several of the websites that allow you to quickly compare policies and prices for homeowner’s insurance here in Florida.

Take the time to make your comparisons on at least 3 different comparison websites since no one website compares all of the different insurance companies writing policies in Florida.

Once you have made your comparisons on at least 3 different websites then you can confidently choose the best rate you have been offered and you can feel confident that you have compared low cost homeowner’s insurance in Florida and that you have purchased the very best and lest expensive policy you possibly could.

How To Compare Low Cost Homeowner’s Insurance In Connecticut

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When comparing your homeowner’s insurance quotes in Connecticut, be sure to compare policy terms and conditions with like terms and conditions. If you find a major disparity in insurance quotes, it might be a result of different property valuation clauses.

With homeowner’s policies, insurance companies normally use one of two types of valuation when determining the amount they will pay at the time of a loss. Check your policy to see which of the valuations is used because it will make a difference in your insurance premiums and your claim reimbursement check. The valuations are as follows:

Actual Cash Value (ACV): With this type of valuation, the insurance company will take the current replacement cost of your home and deduct your home’s depreciation value. If you’re living in an older home, the depreciated value of your home may differ greatly from the current market value.

Replacement Cost: With replacement cost, the insurance company will reimburse the amount it costs to rebuild or replace your home using materials of the same kind and/or quality to that used in the house prior to the loss. Depending on the age of the home, certain materials may no longer be available, so the insurance company will pay for comparable building materials. Because they do not deduct for depreciation, you will fare better than if the actual cash value was used.

Replacement cost valuation will cost more in annual policy premiums, but it is well worth the additional cost to be made whole again in the event of a loss. Your home is a major investment; do not scrimp on its protection.

When shopping around for your homeowner’s insurance, be sure to place the policies side by side and analyze the various terms and clauses. A simple difference in valuation can make a huge difference in the value and cost of your insurance policy.

How To Compare Low Cost Homeowner’s Insurance In Colorado

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According to recent census records there are more than 110,000 homeowners in the state of Colorado so it would seem that purchasing homeowner’s insurance here would be a relatively simple matter and in many ways it is. But before you plunk down your hard-earned cash for premiums on a homeowner’s insurance policy it might pay you to compare policies and prices among several different companies offering coverage in Colorado.

Probably the quickest way to make comparisons among different policies is through any of several online insurance sites, but don’t expect your search to be an easy one.

What makes comparing low cost homeowner’s policies in Colorado somewhat confusing is the number of different things that can affect the price you pay.

For example, when comparing costs between companies you must make certain that you are comparing policies covering all of the same things.

Some of the things that have to be considered are the cost of replacing your dwelling, the cost of replacing your home’s contents, how much personal liability you want to carry in case someone is hurt on your property, how much medical coverage you want, and the deductible you are willing to pay. Keep in mind, all things being equal, the higher your deductible the lower your premium.

There are other things that can affect the cost of your homeowner’s insurance as well, such as the age of your home, whether your home has deadbolts, whether your home has smoke and fire detectors, how close your home is to the nearest fire station and whether or not there is a fire hydrant within 1,000 feet of your home.

Obviously you do not have control over some of these things, but others, such as deadbolts and fire alarms, are well within your control and they can affect how much it costs you each month or each quarter to insure your home.

And keep in mind, too, that no homeowner insurance policy in Colorado covers your home for damage caused by flood or earthquake (those kinds of insurance can be purchased separately) and in many parts of Colorado your homeowner’s insurance does not cover your property for damage caused by high winds. If high winds are a problem you need to specifically ask if wind damage is covered by your policy.

Comparing homeowners insurance is not a simple matter, but if you are willing to devote a little time to the task, the payoff (in lower homeowner’s insurance premiums) can keep you smiling for years to come.

How To Compare Low Cost Homeowner’s Insurance In Arizona

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The state of Arizona’s conducted a homeowners insurance survey comparing insurance rates for hypothetical homes in Phoenix, Mesa, Peoria, Flagstaff and Tucson. They compared insurance premiums for dwellings valued at $100,000, $300,000 and $500,000.

The survey is interesting reading and is accessible from the State Departments website, but it does not provide specific information that you will need to know when comparing homeowners insurance for your home. Below is a little advice and a few tips you should consider:

When comparing low cost homeowners insurance, make sure the valuation for the polices being compared is the same. Valuation is the method they use in determining the amount of the loss. There normally two types of valuations used for property coverage. Actual Cash Value and Replacement cost

Actual Cash Value (ACV) is the replacement cost of your home, less the deduction for depreciation. ACV policies are cheaper, but you stand the chance of not being made whole after the loss.

Replacement Cost means the insurance company will pay the amount it would take to replace or rebuild your home with similar materials as used in the pre-loss structure. There is no deduction for depreciation. Although the premiums are usually higher than an ACV policy, it may be worth it to be able to fully replace or rebuild your home in the event of a loss.

Actual cash value policies are cheaper than replacement cost, but with ACV there is a likelihood that you may not be made whole after the loss. Replacement cost policies will fully replace or rebuild your home (subject to policy limits).

If you have the means to cover the short fall of the depreciation deduction and are willing to take the chance, then ACV policy may be your option. However, if the depreciation deduction is more than you are financially able to withstand, it is worth paying the few extra dollars in premium to put your mind at rest.

How To Compare Low Cost Homeowner’s Insurance In Alabama

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If you’re home is being financed then your lender requires that you purchase homeowner’s insurance. But did you know that virtually all homeowner’s who own their homes free and clear continue paying for homeowner’s insurance?

People who own their own home recognize the tremendous value that their home represents and they – rightly – want to protect it. The good news is that there are several simple things that almost any homeowner can do that will lower the cost of their homeowner’s insurance almost instantly. Just be sure to let your agent know that you have done all or some of the following:

Let’s start with the basics. You want to insure your house for the full amount that it will take to rebuild it from the foundation up, and you want to include the cost of replacing all of your home’s contents – but you do not want to make the mistake of insuring the value of the land that your home sits on. The land is not going to be destroyed.

The number one homeowner’s insurance claim is not for fire damage, as many people think, but for the exact opposite – water damage. A broken water line or a bad connection to an appliance that floods a home during the night or when a homeowner is away at work is the number one homeowner’s insurance claim.

If your home is ten years old or older ask your insurance agent how much you will save each and every month if you make a one-time investment in upgrading your plumbing and your electrical system. See if the number makes sense to you. If so, then go ahead and upgrade your home.

Fire is still a major problem and there are things you can do that should lower the cost of your insurance. Clear all brush and weeds at least ten feet from any structure on your property. Buy and install the proper number of fire and smoke detectors throughout your home, and change the batteries twice yearly. Buy a kitchen-rated fire extinguisher and keep it in an accessible location. If you have a home that is more than one story add rope ladders for emergency exits in a fire or other disaster.

Burglary is also a major concern. Install motion-sensitive floodlighting around your property. Trim all bushes away from windows so burglars don’t have a convenient hiding place. Install deadbolt locks on every exterior door and make sure all windows have a working lock.

A home security system that monitors your home 24/7 for fire and burglary can save you 20% or more on your monthly homeowner’s insurance bill – but check with your agent before installing a system since not all systems qualify for the same discount on your insurance.

Also, repair or replace any broken concrete walkways on your property, fill in potholes, and replace worn or lose boards in decks and porches and replace or fix lose railings.

Your homeowner’s policy has a deductible. The larger your deductible the lower your monthly payment. Obviously you must exercise caution when raising your deductible as you must be able to afford to pay your deductible out of your own pocket of there is a claim.

[As a side note it should be pointed out that most standard homeowner’s policies in Alabama have a limitation on payments for wind damage; talk to your agent about possible remedies for this. Also, you will need to purchase a separate policy for flood damage – again, talk to your agent about your needs].

Now take what you have learned from this article and go online. Find at least 3 websites that allow you to compare prices on homeowner’s policies from different insurance companies. Enter the same information into the form on at least 3 different websites and then simply pick the company that offers the best price – assuming that you feel confident that this company will still be around in 30 years.

And your job is done! You’ve now compared low coast homeowner’s insurance in Alabama and you’ve found the lowest price that you can possibly pay and still get the coverage that you need.

How To Compare Low Cost Homeowner Insurance In Wisconsin

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As a Wisconsin property owner, you’re probably already well aware that it pays to compare low cost homeowner insurance. In Wisconsin, however, you don’t have to stop comparing companies and policies after you make your purchase. You can still obtain affordable WI homeowner insurance quotes long after you applied for your free instant homeowner insurance quotes online even long after your current real estate property coverage has been in effect.

Smart homeowner insurance consumers review their policies each time they add or subtract something from the structure of their homes, their homes’ contents, and their valuable personal possessions. At the very least, they review their policies once a year. This helps make sure the property owners have adequate residential coverage. They don’t want to cut corners were corners shouldn’t be cut, and they certainly don’t want to pay high premiums for coverage they no longer need.

A great way to save money on homeowner coverage in Wisconsin is to avoid stopping at your annual insurance policy review. Take a bit of extra time to browse the real estate insurance market once more. There may have been quite a few changes since you first went shopping for coverage. For example, you may have made a few money-saving home improvements, and real estate insurers may be offering new discount opportunities. Any kind of change could potentially lead to more affordable WI homeowner insurance quotes.

Just as when you shopped for WI homeowner insurance the first time around, there are certain things to look for in insurers. Remember, you still want a company with a relatively high financial rating, as well as one that is licensed to write Wisconsin homeowner insurance policies and has a reputation for excellent customer service. You can check with the Wisconsin Office of the Commissioner of Insurance, the Better Business Bureau, and any independent research company.

Find additional ways to compare low cost homeowner insurance in Wisconsin, as well as apply for free instant homeowner insurance quotes, with

How To Compare Low Cost Health Insurance In West Virginia

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For more than 50% of all West Virginia households the idea of low cost health insurance is something of a misnomer, because at least half of all West Virginia households report that paying for health insurance is a severe strain on their monthly budget – and approximately 16% of all West Virginia families can’t afford any health insurance at all.

Hopefully this article will shed some light on ways that almost every family in West Virginia can compare and find low cost health insurance without breaking the family budget.

It should come as no surprise that health care costs less for healthy people. One way to save money on health care and to see the doctor less frequently is to eat right and to get plenty of sleep and exercise. Eating right means giving up fast food and fried food – except in very limited quantities. Exercise doesn’t have to mean buying the latest infomercial fad – exercise can mean walking briskly around the block or joining a walking group that walks in the mall every morning. Exercise can mean riding your bike to do errands around town and leaving your car at home.

It should also come as no surprise that smoking and using any form of tobacco is not only bad for your health but it will also cost you considerably more in health insurance costs. If you are sincere about comparing and finding truly low-cost health insurance then you can’t continue to smoke.

It also means you may have to lose weight. Your BMI (Body Mass Index) is one way health insurance companies determine your monthly insurance premium. The lower your BMI the less you are going to pay. Losing even a few pounds could – hopefully – drop you a notch on your insurance company’s BMI meter and if that happens you could save hundreds of dollars each year.

Find group health insurance. Group health insurance may be less picky about your weight and smoking habits and group health insurance is almost always cheaper than individual health insurance. If your place of employment doesn’t offer low-cost group health insurance try asking at any clubs, organizations or associations that you belong to – if that fails ask friend and family if any groups or clubs they belong to offer members group health insurance . If so – join!

Joining an HMO or a PPO can save you a considerable amount over buying health insurance as an individual, but be prepared for the possibility that you may have to give up your favorite doctor – unless your doctor happens to be a member of the HMO or PPO you want to join.

Don’t take part in extreme or dangerous sports. Also, if you drive a fast sports car, it may be time to sell it – at least it is if you are serious about finding affordable health care.

Pay your premiums automatically out of your checking account. If your insurance company doesn’t have to prepare a bill for you every month they’ll pass the savings in to you.

If you are self employed or have a home-based business ask your tax advisor if all or a portion of your health insurance premiums can be tax deductible. A tax savings could make your health insurance a whole lot more affordable.

Buy your drugs over the internet. You might be surprised at the savings you can realize on most drugs if you purchase them over the internet.

Increase your deductible. Obviously you can only do this is your budget will allow it, but increasing your deductible is probably the fastest and most sure way of lowering your cost of health insurance.

Buy your health insurance over the internet. There are literally dozens of websites that encourage you to compare prices on health insurance between different insurance companies. Just don’t make the mistake of thinking that you only have to make your comparisons on just one site.

If you’re serious then be prepared to make comparisons on at least 3 different websites and also be certain that you input the exact same answers in the forms on all three sites you’ve chosen. This way you can be sure that your “comparisons” actually have a value for you.

Once you’ve finished all of your comparisons then comes the fun part – reviewing all of your results and choosing the best price you can find. This is how anyone can become an expert and compare low cost health insurance in West Virginia and find the very best and lowest price for health insurance possible.

How To Compare Low Cost Health Insurance In Washington

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People interested in low cost health insurance in Washington State need one thing before they decide on which plan is best for them. They need to know what their options are and what each option provides in the way of coverage for them and their family.

In Washington State there are a few options available for individuals who don’t have a lot to spare on health insurance. For those who fall into the lowest income brackets they may qualify for Basic Health which is provided by the State. If you don’t, you’re going to have to do some research into which health insurance plan is right for you.

The very best way to compare the various low cost health insurance plans is to gather a few quotes. This can be a frustrating experience as insurance agents are typically paid on commission, which means they are going to fight tooth and nail to get your business. The best approach is to have a list of benefits you absolutely must have. Call several different health insurance companies and obtain a quote based only on those benefits.

Not only do you need to be mindful of how much coverage you need but be aware of any fine print. Most policies have an annual limit in place for prescription drug costs, dental benefits and vision coverage. Take note of what each company offers in this area before you make a final decision.

Many low cost plans require the individual to make a co-payment for each doctor visit. Ensure that you can afford this before you tie yourself to the plan. Also inquire about any discounts that may be available if you prepay your premiums for a year as opposed to monthly installments. If that’s a possibility, that approach may offer you a bit more of a savings.

How To Compare Low Cost Health Insurance In South Carolina

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Health insurance is probably one of the most difficult forms of insurance for the average person to afford each month – and yet without health insurance your home and all of your assets are at risk should you have a major accident or illness.

This is why is it so important for the average person to compare low cost health insurance in South Carolina and find a policy that they can afford to pay for month after month.

Ultimately you will be getting online and comparing health insurance prices on several of the websites that make such comparisons a snap. But before you do that you want to know how to answer the questions these sites will ask you in such a way that you will save the most money possible. That’s what this article will help you to do.

Let’s start with two of the most difficult things for most people to do. Quitting smoking and losing weight.

It’s simply a fact: if you smoke or use chew you will pay more for your health insurance. It’s also true that if you smoked when you previously purchased a policy but you have since quit, you will be entitled to a rather substantial decrease in your monthly health insurance premium.

It’s also simply a fact that overweight people pay more for health insurance. Part of your monthly premium will be based on your BMI – your Body Mass Index. There is some good news. If you can lose even a few pounds it’s possible that you could drop down a notch on the insurance company’s BMI chart – and if you do that you could save a few dollars each and every month.

Believe it or not you can save money on your health insurance if you have a good credit rating. That’s right. Use credit cards and other forms of credit wisely if you want the best rates on your health insurance.

Do not routinely take part in extreme or dangerous sports or hobbies.

Don’t drive a fast and sporty car.

Group health insurance is always cheaper than individual health insurance. If your place of employment does not offer group health insurance then ask around at any clubs, organizations or groups you belong to. A surprising number of clubs and organizations are offering their members group health insurance these days.

If family, friends, or neighbors are getting group health through a club or group they belong to, see if you can join.

Even many religious organizations are offering group health now. Ask around.

If you have a home-based business you may be able to qualify for group health insurance even if you have only one employee – and even if that employee is your spouse.

Even if your home-based business does not qualify you for group rates ask your tax advisor if your health insurance premiums will be deductible. If they are, the tax savings you get may offset the cost of your insurance to the point that your insurance will become affordable.

What about your co-payment? If you can afford to increase your co-payment to 50% you will save a great deal on your monthly premium. This is an especially good idea for people who do not see their doctor on a regular basis.

Increasing your deductible is probably the fastest and most sure way of decreasing your cost of health insurance. But be careful – and honest – with yourself, because you are going to have to come up with your deductible in cash every year before your insurance company will begin paying for any of your health care. So don’t offer to pay more than you can actually afford to pay.

Now it’s time to get online. Use the tips you have gotten from this article to fill out the form on at least 3 different health insurance price comparison websites. Remember to fill out all three forms exactly the same so that you are comparing the same policy on all three sites.

The rest is easy. All you need to do is to choose the cheapest rate for your health insurance and you’re done! You have now compared low cost health insurance in South Carolina and you have found the very best deal you could possibly find. Congratulations!

How To Compare Low Cost Health Insurance In Oregon

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Oregon has an excellent health care system; in fact, one of the best in the nation according to U.S. government figures, but regardless of how good the system is at saving and prolonging life, the fact is that Oregon’s heath care, like health care everywhere in this nation, is expensive.

In fact, according to figures released by the Oregon Department of Insurance, almost half of all citizens of Oregon find health care costs a financial burden and fully one quarter of all adults in Oregon report spending up to twenty-five percent of their monthly income on health care.

Clearly for the majority of people something has to be done to bring down the cost of staying well.

The most formidable weapon at the consumer’s disposal is knowledge. Become knowledgeable about health care and your health care choices. Go online and compare policies and prices the difference in cost for the same basic policy from one company to another can be truly staggering.

Before going online sit down and figure out what you and your family need out of a health care plan. What is important to you and what isn’t? Are doctor’s visits more important than hospital stays? Are prescriptions more important than visits to the emergency room? Do you need a policy that covers you when you travel? Do you have a new baby or are you expecting one in the next year?

Write your answers down on a piece of paper and play around with them when filling out your online comparison forms. Remember, when you are looking for low cost health insurance here in Oregon there are bound to be trade-offs. Don’t expect to find the perfect policy unless you can afford a high premium or your needs are simple.

And of course the main trade-off that many people use to create an acceptable health policy at a price they can afford is their deductible. This is money you have to pay from your own sources for your health care needs before your insurance begins to pay. The greater your deductible the lower your monthly insurance premium.

Health insurance is costly, there’s no getting around that but if you spend some time online and ask some tough questions of yourself, the answers you come up with just might make health insurance a lot more affordable than you ever thought possible. The key is to compare low cost health insurance plans side-by-side until you find the one that’s right for you.