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The Smart Lady’s Guide to

Homeowners Insurance

If you are not sure, better insure There is a saying that whatever you are not sure of, you insure it. This is a statement of truth because we live in a world and age that is besieged by a barrage of uncertainty. By so stating, I don’t wish to imply that uncertainty is evil or makes you evil. On the contrary, uncertainty can actually work to your advantage. First it brings you into touch with the fact that you are a limited mortal and hence you can’t kill yourself by trying to shoulder everything. Second, it gives you the opportunity to trust other people with the skill and ability to handle or manage your uncertainty, which is a natural way of relating in order to survive and thrive. Don’t incur liability when calamity strikes We saw from paragraph one that risk and uncertainty are real. But insurance doesn’t stop it from happening. It only helps you to manage the aftermath and compensate you for the damage. When it comes to home owners insurance, it is matter of paramount consideration because: Home is the place where you go to after all the hassles of life. It is therefore the last place you would like to lose; Home is where YOU and YOUR FAMILY live and hence its safety is a matter of life and death when disaster strikes; and It is your primary operation base on earth from where you spring to face life in other spheres. With the above in mind, it is vital to understand what this insurance package entails before you can decide whether to take it and from whom you will take it. If it does meet your defined needs, then take it; if it doesn’t, then don’t because a product is its ability to suit and meet YOUR NEEDS . What the package entails This package covers the following: Your home Personal property such as clothes, furniture and other appliances in the event of burglary,storms,fire,vandalism and  explosions t also shields you and your family against liability lawsuits. At what cost? Since insurance is not charity, you need to figure out how it will cost you to fund the policy. Different insurance companies will charge you different rates. If you happen to live in regions that are prone to floods and hurricanes then you should discuss that with your insurer to get coverage for floods and hurricanes because most companies don’t cover these disasters. This means you will have to incur an extra but necessary cost. Getting your home insurance online is the best way to get insurance because you can compare rates from different companies, you can tailor your insurance to YOUR need, and you won’t have to listen to a sales pitch. Here’s a website I found that will show you how to get cheap home insurance online.  You can also get cheap auto insurance online here. Limitations and exceptions Not all kinds of properties are insured the same .There are some expensive possessions that are not generally covered under ordinary homeowners insurance. Items such as costly jewelery, works of art and fur will require you to make arrangements for a special endorsement known as a rider in order to insure them. Finally, get the right suitor on board After all the above considerations, you need to make a smart choice from the flooded pool of service providers. You need to follow the same principles you apply in other purchasing decisions since you are a customer and they are in business just like any other service provider and let the best suitor carry the day and cut the deal.

Join WIFS National

If you're new to the insurance industry, or have been in the industry for a while, Women In Insurance & Financial Services can give you the knowledge and support you need to succeed. Click on the link below for more information:
More Info More Info
© Woman To Woman 2013

The Smart Lady’s

Guide to

Homeowners

Insurance

If you are not sure, better insure There is a saying that whatever you are not sure of, you insure it. This is a statement of truth because we live in a world and age that is besieged by a barrage of uncertainty. By so stating, I don’t wish to imply that uncertainty is evil or makes you evil. On the contrary, uncertainty can actually work to your advantage. First it brings you into touch with the fact that you are a limited mortal and hence you can’t kill yourself by trying to shoulder everything. Second, it gives you the opportunity to trust other people with the skill and ability to handle or manage your uncertainty, which is a natural way of relating in order to survive and thrive. Don’t incur liability when calamity strikes We saw from paragraph one that risk and uncertainty are real. But insurance doesn’t stop it from happening. It only helps you to manage the aftermath and compensate you for the damage. When it comes to home owners insurance, it is matter of paramount consideration because: Home is the place where you go to after all the hassles of life. It is therefore the last place you would like to lose; Home is where YOU and YOUR FAMILY live and hence its safety is a matter of life and death when disaster strikes; and It is your primary operation base on earth from where you spring to face life in other spheres. With the above in mind, it is vital to understand what this insurance package entails before you can decide whether to take it and from whom you will take it. If it does meet your defined needs, then take it; if it doesn’t, then don’t because a product is its ability to suit and meet YOUR NEEDS . What the package entails This package covers the following: Your home Personal property such as clothes, furniture and other appliances in the event of burglary,storms,fire,vandalism and  explosions t also shields you and your family against liability lawsuits. At what cost? Since insurance is not charity, you need to figure out how it will cost you to fund the policy. Different insurance companies will charge you different rates. If you happen to live in regions that are prone to floods and hurricanes then you should discuss that with your insurer to get coverage for floods and hurricanes because most companies don’t cover these disasters. This means you will have to incur an extra but necessary cost. Here’s a website I found that will show you how to get cheap home insurance online. Getting you home insurance online is the best way to get insurance because you can compare rates from different companies, you can tailor your insurance to YOUR need, and you won’t have to listen to a sales pitch. Limitations and exceptions Not all kinds of properties are insured the same .There are some expensive possessions that are not generally covered under ordinary homeowners insurance. Items such as costly jewelery, works of art and fur will require you to make arrangements for a special endorsement known as a rider in order to insure them. Finally, get the right suitor on board After all the above considerations, you need to make a smart choice from the flooded pool of service providers. You need to follow the same principles you apply in other purchasing decisions since you are a customer and they are in business just like any other service provider and let the best suitor carry the day and cut the deal.

Join WIFS National

If you're new to the insurance industry, or have been in the industry for a while, Women In Insurance & Financial Services can give you the knowledge and support you need to succeed. Click on the link below for more information:
More Info More Info
WOMAN 2 WOMAN