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Guide To Homeowners Insurance
You don't even have to "own" your home to need homeowners
insurance; many landlords require their tenants to have coverage.
But whether it's required or not, it's smart to have this kind of
protection anyway. We'll take it step by step as we walk you through
the basics of this type of policy.
What the Policy Provides
The elements of a standard homeowners insurance policy provide
that the insurer will cover costs related to:
Damage to the interior or exterior of your house - In the event of
damage due to fire, hurricanes, lightning, vandalism or other
covered disasters, your insurer will compensate you so that your
house can be repaired or even completely rebuilt.
Damage that is the result of floods, earthquakes and poor home
maintenance is generally not covered and may require separate
riders to provide that protection
Loss or damage to your personal belongings - Clothing, furniture,
appliance, and most of the other contents of your home are covered
if they're destroyed in an insured disaster. You can even get
"off-premises" coverage, so you could file a claim for lost jewelry, for
example - no matter where in the world you lost it.
There may be a limit on the amount your insurer will reimburse you.
Even if your Rolex or mink coat is damaged at home, there will be a
limit on the coverage for that, too - unless you purchase a separate
"floater" policy that insures the item for its full appraised value.
According to the Insurance Information Institute, most insurance
companies will provide coverage for 50-70% of the amount of
insurance you have on the structure of your home. If your house is
insured for $200,000, there would be up to about $140,000 worth of
coverage for your possessions -
would this be enough for you? In order to answer this question, you
would need to have a list of all your possessions and their value,
also called a "home inventory".
Personal liability for damage or injuries caused by you or your family
- This clause even includes your pets! So, if frisky Fido bites your
neighbor Doris, no matter where the bite happens to occur, your
insurer will pay her medical bills. Or, if Junior breaks her Oriental
vase, you can file a claim to reimburse her.
And if Doris slips on the broken vase pieces and successfully sues
for pain and suffering or lost wages? You'll be covered for that, too,
same as if someone is injured on the premises of your home or
property.
While policies start in the range of $100,000 coverage, experts
recommend having at least $300,000 worth of coverage according
to the Insurance Information Institute. For extra protection, a few
hundred dollars more in premium may buy you an extra $1 million or
more through "umbrella coverage".
.
You don't even have to "own" your home to need homeowners
insurance; many landlords require their tenants to have coverage.
But whether it's required or not, it's smart to have this kind of
protection anyway. We'll take it step by step as we walk you through
the basics of this type of policy.
What the Policy Provides
The elements of a standard homeowners insurance policy provide
that the insurer will cover costs related to:
Damage to the interior or exterior of your house - In the event of
damage due to fire, hurricanes, lightning, vandalism or other
covered disasters, your insurer will compensate you so that your
house can be repaired or even completely rebuilt.
Damage that is the result of floods, earthquakes and poor home
maintenance is generally not covered and may require separate
riders to provide that protection
Loss or damage to your personal belongings - Clothing, furniture,
appliance, and most of the other contents of your home are covered
if they're destroyed in an insured disaster. You can even get
"off-premises" coverage, so you could file a claim for lost jewelry, for
example - no matter where in the world you lost it.
There may be a limit on the amount your insurer will reimburse you.
Even if your Rolex or mink coat is damaged at home, there will be a
limit on the coverage for that, too - unless you purchase a separate
"floater" policy that insures the item for its full appraised value.
According to the Insurance Information Institute, most insurance
companies will provide coverage for 50-70% of the amount of
insurance you have on the structure of your home. If your house is
insured for $200,000, there would be up to about $140,000 worth of
coverage for your possessions -
would this be enough for you? In order to answer this question, you
would need to have a list of all your possessions and their value,
also called a "home inventory".
Personal liability for damage or injuries caused by you or your family
- This clause even includes your pets! So, if frisky Fido bites your
neighbor Doris, no matter where the bite happens to occur, your
insurer will pay her medical bills. Or, if Junior breaks her Oriental
vase, you can file a claim to reimburse her.
And if Doris slips on the broken vase pieces and successfully sues
for pain and suffering or lost wages? You'll be covered for that, too,
same as if someone is injured on the premises of your home or
property.
While policies start in the range of $100,000 coverage, experts
recommend having at least $300,000 worth of coverage according
to the Insurance Information Institute. For extra protection, a few
hundred dollars more in premium may buy you an extra $1 million or
more through "umbrella coverage".
.
Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get
what you pay for. The least costly homeowners insurance will likely
give you the least amount of coverage, and vice versa.
There are essentially three levels
of coverage:
Actual cash value - This value covers the house plus the value of your
belongings after deducting depreciation (i.e., how much the items are
currently worth, not how much you paid for them).
Replacement cost - This is the actual cash value without the deduction
for depreciation, so you would be able to repair or rebuild your home up
to the original value.
Guaranteed (or extended) replacement cost - The most
comprehensive, this inflation-buffer pays for whatever it costs to repair
or build your home - even if it's more than your policy limit! Certain
insurers offer extended replacement, meaning it offers more coverage
than you purchased, but there is a ceiling; typically, it is 20-25% higher
than the limit.
How Much Does It Cost?
The average yearly premium cost for U.S. homeowners insurance in
2005 was $764, according to a study by the Insurance Information
Institute, but premiums vary widely and depend on multiple factors.
First, of course, price will be determined by how much coverage you
buy, a decision you can only make after evaluating the market value of
your house, completing a household inventory, and deciding how much
liability protection you want.
Other variables that need to be considered include your zip code. If you
live in a high-crime area, for example, insurance premiums will be
higher.
Companies also take into account the size of your house, how close it
is to a fire hydrant, the condition of your plumbing, heating and
electrical systems, how many claims were filed against the home
you're seeking to insure,
and even details like your credit score that reflect on how responsible
a consumer - and, therefore, a homeowner - you are. (If you're worried
you won't measure up, read Five Keys To Unlocking A Better Credit
Score.)
All insurance is definitely not created equal or, put another way, you get
what you pay for. The least costly homeowners insurance will likely
give you the least amount of coverage, and vice versa.
There are essentially three levels
of coverage:
Actual cash value - This value covers the house plus the value of your
belongings after deducting depreciation (i.e., how much the items are
currently worth, not how much you paid for them).
Replacement cost - This is the actual cash value without the deduction
for depreciation, so you would be able to repair or rebuild your home up
to the original value.
Guaranteed (or extended) replacement cost - The most
comprehensive, this inflation-buffer pays for whatever it costs to repair
or build your home - even if it's more than your policy limit! Certain
insurers offer extended replacement, meaning it offers more coverage
than you purchased, but there is a ceiling; typically, it is 20-25% higher
than the limit.
How Much Does It Cost?
The average yearly premium cost for U.S. homeowners insurance in
2005 was $764, according to a study by the Insurance Information
Institute, but premiums vary widely and depend on multiple factors.
First, of course, price will be determined by how much coverage you
buy, a decision you can only make after evaluating the market value of
your house, completing a household inventory, and deciding how much
liability protection you want.
Other variables that need to be considered include your zip code. If you
live in a high-crime area, for example, insurance premiums will be
higher.
Companies also take into account the size of your house, how close it
is to a fire hydrant, the condition of your plumbing, heating and
electrical systems, how many claims were filed against the home
you're seeking to insure,
and even details like your credit score that reflect on how responsible
a consumer - and, therefore, a homeowner - you are. (If you're worried
you won't measure up, read Five Keys To Unlocking A Better Credit
Score.)
Homeowners Insurance
A form of property insurance designed to protect an individual's home
against damages to the house itself, or to possessions in the home.
Homeowners insurance also provides liability coverage against
accidents in the home or on the property.
In the U.S. there are seven forms of homeowners insurance that have
become standardized in the industry; they range in name from HO-1
through HO-8 and offer various levels of protection depending on the
needs of the homeowner.
Also known as "homeowner's/homeowners' insurance".
While homeowners insurance covers most scenarios where loss
could occur, some events are typically excluded from policies, namely:
earthquakes, floods or other "acts of God" and acts of war.
For people who live in certain parts of the country, adding an extra
policy for earthquake insurance or flood insurance can be a good idea
to offer further home protection and peace of mind. Some
homeowners insurance is designed for renters, typically HO-4 or
"renters insurance", and only covers possessions within the home and
isolated events not covered in the property insurance held by the
owner.
A form of property insurance designed to protect an individual's home
against damages to the house itself, or to possessions in the home.
Homeowners insurance also provides liability coverage against
accidents in the home or on the property.
In the U.S. there are seven forms of homeowners insurance that have
become standardized in the industry; they range in name from HO-1
through HO-8 and offer various levels of protection depending on the
needs of the homeowner.
Also known as "homeowner's/homeowners' insurance".
While homeowners insurance covers most scenarios where loss
could occur, some events are typically excluded from policies, namely:
earthquakes, floods or other "acts of God" and acts of war.
For people who live in certain parts of the country, adding an extra
policy for earthquake insurance or flood insurance can be a good idea
to offer further home protection and peace of mind. Some
homeowners insurance is designed for renters, typically HO-4 or
"renters insurance", and only covers possessions within the home and
isolated events not covered in the property insurance held by the
owner.
Hazard Insurance
-----KNOWLEDGEFINANCIAL.COM
Insurance that protects a property owner against damage caused by
fires, severe storms, earthquakes or other natural events. As long as
the specific event is covered within the policy, the property owner will
receive compensation to cover the cost of any damage incurred.
Typically, the property owner will be required to pay for a year's worth
of premiums at the time of closing, but this will depend on the exact
details of the policy.
A typical property or homeowners' insurance policy usually won't
cover all events that could do damage to your property. Some events
will definitely be excluded from homeowners' insurance in high-risk
areas. For example, Florida is prone to hurricanes and is, therefore,
considered high risk. If the homeowner lives in a high-risk area, he or
she may need a separate policy - such as a flood insurance policy.
-----KNOWLEDGEFINANCIAL.COM
-----KNOWLEDGEFINANCIAL.COM
Insurance that protects a property owner against damage caused by
fires, severe storms, earthquakes or other natural events. As long as
the specific event is covered within the policy, the property owner will
receive compensation to cover the cost of any damage incurred.
Typically, the property owner will be required to pay for a year's worth
of premiums at the time of closing, but this will depend on the exact
details of the policy.
A typical property or homeowners' insurance policy usually won't
cover all events that could do damage to your property. Some events
will definitely be excluded from homeowners' insurance in high-risk
areas. For example, Florida is prone to hurricanes and is, therefore,
considered high risk. If the homeowner lives in a high-risk area, he or
she may need a separate policy - such as a flood insurance policy.
-----KNOWLEDGEFINANCIAL.COM
| Homeowners' Insurance: What You Need to Know Get the basics on homeowners' insurance and the importance of doing a home inventory. Before finalizing a mortgage loan, lenders require home buyers to purchase at least a minimal level of "hazard insurance," which is part of the standard homeowners' insurance policy. Hazard insurance will cover damage or destruction by fire, smoke, wind, hail, theft, vandalism, or another similar event. To protect your own interests, however, you'll probably want to buy comprehensive home owner's insurance, including liability insurance and more complete hazard coverage than your lender requires. What Homeowners' Insurance Covers In addition to covering the house, the hazard portion of your homeowners' insurance protects furnishings and other personal items, as well as any other structures on the property, such as a pool or separate garage (unless you use such structures for nonresidential purposes, such as for your home business). Most policies' hazard coverage doesn't include business equipment, damage caused by natural disasters, or loss of art or jewelry over a certain amount. You will want to purchase additional insurance if your house is in a high-risk area for fire, floods, earthquakes, or other natural disasters or if you have expensive art, jewelry, or business equipment at home. Standard homeowners' policies also cover some types of personal liability -- if the mail carrier, for example, trips over your kid's skateboard or gets clawed by your cat, your policy will pay for the carrier's medical expenses and other losses, up to a certain limit. Unlike hazard insurance, this portion isn't required by your lender -- but is a good idea anyway, since you don't want to lose your house to pay someone's medical bills. Finding Homeowners' Insurance Finding good homeowners' insurance coverage has become surprisingly difficult in some states, such as California and Texas. High payouts for mold and other disasters have made the insurance industry in these states skittish. If either you or the seller of the property have made claims for water damage (the usual precursor to mold), you might actually find that you can't purchase a policy -- or at least not a reasonably priced one. Same thing goes if you've filed many insurance claims in the past -- you might not be able to find a company willing to sell you insurance. You can protect yourself against the possibility of not getting homeowners' insurance for a house you're purchasing by making your obtaining insurance a contingency or condition of finalizing the sale. Claiming Homeowner Losses Guard your policy well once you've got it. Don't file claims unless you have to -- if you file more than two or three claims, your rates will rise and your policy may be canceled. You are best advised to get a policy with a high deductible, so that you've got no reason to file lower-cost claims that will raise your premiums or lead to future cancellation of your policy. (Your lender may, however, insist you not go higher than a certain deductible amount.) Making a Home Inventory If your home is struck by a burglary, fire, flood, earthquake, or other disaster, an up-to-date home inventory will make it easier to deal with police and your insurance company. Without one, you'll have to create a list of all your property from memory. Fortunately, making a home inventory isn't onerous, and might actually prompt you to prevent the loss itself. As you inventory your possessions, you'll become more aware of their vulnerability, and can take steps to secure them. Start by walking through your house with a pad of paper and a still or video camera. Jot down a list of any items worth more than $50 or so and take pictures of them. Go room by room, and don't forget the garage, attic, and basement. Be sure to include jewelry, clothing, stamp or coin collections, CD and record collections, silver, tools, and electronic equipment. Then take a little time to formalize your inventory. Insurance companies often supply inventory . |
Flood Insurance
----------KNOWLEDGEFINANCIAL.OCM
Flood coverage is a service provided by the National Flood Insurance
Program (NFIP) and other private insurers. A standard home insurance
policy is designed to protect a homeowner against loss of personal
property inside the home or even damages to the home itself.
Personal property is often described as "movable items", or property
that can be moved from one location to another.
It includes furniture, clothes, art, writing, household goods, boats,
vehicles, etc. The problem with most home insurance policies is that
they exclude natural disasters or "acts of God." Homeowners have
come to realize that they have to buy additional insurance to protect
themselves from damages that occur due to theft, wind or flood.
With flood insurance, claim amounts can either be actual cash value or
replacement cost of the damaged property or item. Replacement cost
is simply the cost to replace the damaged item. For a damaged house
or property to be eligible for replacement cost, three criteria must be
met:
The building has to be a single family
dwelling.--KNOWLEDGEFINANCIAL.COM
It must have been occupied for at least 80% of the year.
Building coverage must be at least 80% of the full replacement cost of
the building.
Actual cash value is the replacement cost less depreciation. Personal
property like carpets, furniture, etc. is always valued at actual cash
value.
Flood insurance has two types of policies:
1. Standard Policy: Standard policy covers residential
buildings, commercial buildings, manufactured homes and
condominiums.
2. Preferred Risk Policy: The preferred risk policy is a
cheaper option that covers the area that has low to moderate risk of
flood. To get the preferred risk policy, you have to complete a risk
profile, a service that is available on Floodsmart.gov.
Liability Insurance
------------KNOWLEDGEFINANCIAL.COM
Liability insurance is designed to protect the insured from various
risks, including being sued for negligence and unintentionally causing
harm to someone in the course of an accident.
This type of insurance is beneficial to people in high-risk professions
like construction, manufacturing and medicine. Liability insurance
comes in handy when the policyholder engages in unintentional
behavior during the course of work that causes damage or harm to
someone else.
For example, if you are a construction worker and a structure you work
on hurts someone, if you did not intentionally cause harm, the
insurance company will cover the cost of damages to the injured party.
There are three types of liability insurance:
1. General Liability: This is the most common type of liability
insurance. This policy usually covers libel, slander and physical injuries
that might occur on a business property to clients, vendors, etc.
Like any other type of insurance, there are always exclusions that
apply, so always make sure to carefully read a general liability
insurance contract before you sign it. (Read Exploring Advanced
Insurance Contract Fundamentals to learn what your policy covers.)
2. Professional Liability: This coverage protects
professionals from claims against them for mistakes made during the
course of their job. Some popular examples of professional liability are
malpractice insurance and errors and omissions insurance.
3. Product Liability: This type of coverage is very beneficial to
people in the manufacturing business. It protects you if merchandise
made by your company turns defective and is responsible for any
injuries or deaths to consumers.
There are a lot of things to consider when determining how much
coverage to purchase. Some of those factors include the type of
product being manufactured and the safety precautions in place.
Continue Reading Article... KNOWLEDGEFINANCIAL.COM
----------KNOWLEDGEFINANCIAL.OCM
Flood coverage is a service provided by the National Flood Insurance
Program (NFIP) and other private insurers. A standard home insurance
policy is designed to protect a homeowner against loss of personal
property inside the home or even damages to the home itself.
Personal property is often described as "movable items", or property
that can be moved from one location to another.
It includes furniture, clothes, art, writing, household goods, boats,
vehicles, etc. The problem with most home insurance policies is that
they exclude natural disasters or "acts of God." Homeowners have
come to realize that they have to buy additional insurance to protect
themselves from damages that occur due to theft, wind or flood.
With flood insurance, claim amounts can either be actual cash value or
replacement cost of the damaged property or item. Replacement cost
is simply the cost to replace the damaged item. For a damaged house
or property to be eligible for replacement cost, three criteria must be
met:
The building has to be a single family
dwelling.--KNOWLEDGEFINANCIAL.COM
It must have been occupied for at least 80% of the year.
Building coverage must be at least 80% of the full replacement cost of
the building.
Actual cash value is the replacement cost less depreciation. Personal
property like carpets, furniture, etc. is always valued at actual cash
value.
Flood insurance has two types of policies:
1. Standard Policy: Standard policy covers residential
buildings, commercial buildings, manufactured homes and
condominiums.
2. Preferred Risk Policy: The preferred risk policy is a
cheaper option that covers the area that has low to moderate risk of
flood. To get the preferred risk policy, you have to complete a risk
profile, a service that is available on Floodsmart.gov.
Liability Insurance
------------KNOWLEDGEFINANCIAL.COM
Liability insurance is designed to protect the insured from various
risks, including being sued for negligence and unintentionally causing
harm to someone in the course of an accident.
This type of insurance is beneficial to people in high-risk professions
like construction, manufacturing and medicine. Liability insurance
comes in handy when the policyholder engages in unintentional
behavior during the course of work that causes damage or harm to
someone else.
For example, if you are a construction worker and a structure you work
on hurts someone, if you did not intentionally cause harm, the
insurance company will cover the cost of damages to the injured party.
There are three types of liability insurance:
1. General Liability: This is the most common type of liability
insurance. This policy usually covers libel, slander and physical injuries
that might occur on a business property to clients, vendors, etc.
Like any other type of insurance, there are always exclusions that
apply, so always make sure to carefully read a general liability
insurance contract before you sign it. (Read Exploring Advanced
Insurance Contract Fundamentals to learn what your policy covers.)
2. Professional Liability: This coverage protects
professionals from claims against them for mistakes made during the
course of their job. Some popular examples of professional liability are
malpractice insurance and errors and omissions insurance.
3. Product Liability: This type of coverage is very beneficial to
people in the manufacturing business. It protects you if merchandise
made by your company turns defective and is responsible for any
injuries or deaths to consumers.
There are a lot of things to consider when determining how much
coverage to purchase. Some of those factors include the type of
product being manufactured and the safety precautions in place.
Continue Reading Article... KNOWLEDGEFINANCIAL.COM
 | |  | |  | |  | |  |
INSURANCE: What you need to know about home insurance; understand your insurance contract, learn how to save money on insurance
WHAT GUIDELINES ARE REQUIRED FOR A
MORTGAGE LOAN?
Mortgages are used by individuals and
businesses wishing to make large value
purchase of real estate without payment the
entire value of the purchase up front.
Mortgages are also known as lien against
property, or claims on property. Mortgage is a
legal agreement that creates an interest in a
real estate property between borrower and the
lender.
HOW TO UNDERSTAND THE HOME LOAN
PROCESS?
Understand that in order to finance or
refinance a loan the lender requires
documentation to verify and substantiate your
employment, credit and financial situation to
assure its investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS
TO REFINANCE A PROPERTY. NOW IT'S THE
BEST TIME FOR REFINANCING, THE
INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION
PROGRAMS; AN ALTERNATIVE TO REDUCE
MONTHLY MORTGAGE PAYMENT, TO
AVOID FORECLOSURE, TO SAVE YOUR
CREDIT RATING, TO SAVE YOUR
PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF
YOU OWNED A HOME AS YOUR PERSONAL
RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND
LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER,
YOU CAN ACHIEVE THIS, THROUGH A
REVERSE MORTGAGE, REGULATED BY
THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE
INVESTMENT; BUYING YOUR FIRST,
SECOND, AND OR THIRD PROPERTY. HOW
AND WHERE TO FIND MONEY? CLICK RIGHT
HERE!
FHA: F H A MORTGAGE LOANS, THE
GOVERNMENT IS THERE TO HELP YOU
PURCHASE YOUR HOME. PLEASE CONTACT
US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION,
LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home
Loan
Learn why pre-approval is one of the smartest
moves you can make when shopping for a
home
Subprime Mortgage
 A type of mortgage that is normally
made out to borrowers with lower credit ratings.
As a result of the borrower's lowered credit
rating, a conventional mortgage is not offered
because the lender views the borrower as
having a larger-than-average risk of defaulting
on the loan.
FINANCING YOUR REAL ESTATE
INVESTMENT; BUYING YOUR FIRST,
SECOND, AND OR THIRD PROPERTY. HOW
AND WHERE TO FIND MONEY? CLICK RIGHT
HERE!
RENTAL PROPERTY / COMMERCIAL REAL
ESTATE / COMMERCIAL LEASE Tips for
Making Solid Business Agreements and
Contracts
MORTGAGE LOAN?
Mortgages are used by individuals and
businesses wishing to make large value
purchase of real estate without payment the
entire value of the purchase up front.
Mortgages are also known as lien against
property, or claims on property. Mortgage is a
legal agreement that creates an interest in a
real estate property between borrower and the
lender.
HOW TO UNDERSTAND THE HOME LOAN
PROCESS?
Understand that in order to finance or
refinance a loan the lender requires
documentation to verify and substantiate your
employment, credit and financial situation to
assure its investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS
TO REFINANCE A PROPERTY. NOW IT'S THE
BEST TIME FOR REFINANCING, THE
INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION
PROGRAMS; AN ALTERNATIVE TO REDUCE
MONTHLY MORTGAGE PAYMENT, TO
AVOID FORECLOSURE, TO SAVE YOUR
CREDIT RATING, TO SAVE YOUR
PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF
YOU OWNED A HOME AS YOUR PERSONAL
RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND
LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER,
YOU CAN ACHIEVE THIS, THROUGH A
REVERSE MORTGAGE, REGULATED BY
THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE
INVESTMENT; BUYING YOUR FIRST,
SECOND, AND OR THIRD PROPERTY. HOW
AND WHERE TO FIND MONEY? CLICK RIGHT
HERE!
FHA: F H A MORTGAGE LOANS, THE
GOVERNMENT IS THERE TO HELP YOU
PURCHASE YOUR HOME. PLEASE CONTACT
US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION,
LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home
Loan
Learn why pre-approval is one of the smartest
moves you can make when shopping for a
home
Subprime Mortgage
 A type of mortgage that is normally
made out to borrowers with lower credit ratings.
As a result of the borrower's lowered credit
rating, a conventional mortgage is not offered
because the lender views the borrower as
having a larger-than-average risk of defaulting
on the loan.
FINANCING YOUR REAL ESTATE
INVESTMENT; BUYING YOUR FIRST,
SECOND, AND OR THIRD PROPERTY. HOW
AND WHERE TO FIND MONEY? CLICK RIGHT
HERE!
RENTAL PROPERTY / COMMERCIAL REAL
ESTATE / COMMERCIAL LEASE Tips for
Making Solid Business Agreements and
Contracts
| HOME SELLING: We have buyers interested in buying multi-family & commercial properties in Miami Dade county, Broward, Palm Beach, Fort Myers and Port St Lucie area. We are looking for sellers. Call us for free consultation and valuation of your property. -- We are Licensed Realtor |
INSURANCE: WAYS TO
MAKE MONEY & SAVE
MONEY ON YOUR
INSURANCE. 15 Insurance
Policies You Don't Need
Five Insurance Policies
Everyone Should Have
Protecting your most important assets is an
important step in creating a solid personal
financial plan. The right insurance policies
will go a long way toward helping you
safeguard your earning power and your
possessions
THE IMPORTANCE OF
INSURANCE IN SOMEONE'S
LIFE!
Your Financial Plan; Insurance is an
important element of any sound financial plan
Different types of insurance protect you and
your loved ones in different ways against the
cost of accidents, illness, disability, and
death.
Home-owner's Insurance:
How to Save Money on
Home Insurance?
Home-owner's insurance should allow you to
rebuild and refurnish your home after a
catastrophe and insulate you from lawsuits if
someone is injured on your property.
Guide To Homeowners
Insurance: Different Types of
Coverage
All insurance is definitely not created equal
or, put another way, you get what you pay for.
The least costly homeowners insurance will
likely give you the least amount of coverage,
and vice versa.
Life Insurance
Life insurance, payable when you die, can
provide a surviving spouse, children, and
other dependents with the funds necessary
to maintain their standards of living, can help
repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life
Insurance Premium
While you can't do anything about two of the
three main factors affecting your insurance
premium (age and family medical history),
there are steps you can take regarding the
third - lifestyle. You could lower your
insurance premium if you:
Things to Remember When
Buying Health-care
It’s always much easier and much less
complicated choosing healthcare coverage
from your employer.
Your Health Insurance; and
what it should Cover
How to analyzed the costs that you pay under
your health-care insurance plan. In this article
we’ll look at some of the basic coverages
which should be included in your policy.
MAKE MONEY & SAVE
MONEY ON YOUR
INSURANCE. 15 Insurance
Policies You Don't Need
Five Insurance Policies
Everyone Should Have
Protecting your most important assets is an
important step in creating a solid personal
financial plan. The right insurance policies
will go a long way toward helping you
safeguard your earning power and your
possessions
THE IMPORTANCE OF
INSURANCE IN SOMEONE'S
LIFE!
Your Financial Plan; Insurance is an
important element of any sound financial plan
Different types of insurance protect you and
your loved ones in different ways against the
cost of accidents, illness, disability, and
death.
Home-owner's Insurance:
How to Save Money on
Home Insurance?
Home-owner's insurance should allow you to
rebuild and refurnish your home after a
catastrophe and insulate you from lawsuits if
someone is injured on your property.
Guide To Homeowners
Insurance: Different Types of
Coverage
All insurance is definitely not created equal
or, put another way, you get what you pay for.
The least costly homeowners insurance will
likely give you the least amount of coverage,
and vice versa.
Life Insurance
Life insurance, payable when you die, can
provide a surviving spouse, children, and
other dependents with the funds necessary
to maintain their standards of living, can help
repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life
Insurance Premium
While you can't do anything about two of the
three main factors affecting your insurance
premium (age and family medical history),
there are steps you can take regarding the
third - lifestyle. You could lower your
insurance premium if you:
Things to Remember When
Buying Health-care
It’s always much easier and much less
complicated choosing healthcare coverage
from your employer.
Your Health Insurance; and
what it should Cover
How to analyzed the costs that you pay under
your health-care insurance plan. In this article
we’ll look at some of the basic coverages
which should be included in your policy.
HOMEOWNERS INSURANCE
Homeowners' insurance generally
comes in standardized packages.
For instance, the most basic
form,----KNOWLEDGEFINANCIAL.COM
HO-1, offers protections against such
perils as fire, theft, and certain types of
liability.
HO-2 is more comprehensive and includes protection against damage
from broken pipes, the weight of ice and snow, and broken hot water
heaters.
HO-3 gives more protection still: It generally includes just about
everything and excludes only earth-shaking events such as
earthquakes, floods, nuclear accidents, and wars.
To determine which policy is best for you, and to find out about other
policies, make a list of valued possessions and the types of coverage
you'd generally like to have -- and then sit down with an insurance
broker to review what's included (and excluded) from each policy form
and the other forms of coverage which may be available. You may find
all the coverage you want in a general form, or you may determine that
you need special coverage at extra cost.
Real estate brokers, attorneys, fee-only financial planners, and CPAs
can recommend local insurance brokers. Once you have some names
what questions should you ask? Here are a few to get you started:
KNOWLEDGEFINANCIAL.COM
comes in standardized packages.
For instance, the most basic
form,----KNOWLEDGEFINANCIAL.COM
HO-1, offers protections against such
perils as fire, theft, and certain types of
liability.
HO-2 is more comprehensive and includes protection against damage
from broken pipes, the weight of ice and snow, and broken hot water
heaters.
HO-3 gives more protection still: It generally includes just about
everything and excludes only earth-shaking events such as
earthquakes, floods, nuclear accidents, and wars.
To determine which policy is best for you, and to find out about other
policies, make a list of valued possessions and the types of coverage
you'd generally like to have -- and then sit down with an insurance
broker to review what's included (and excluded) from each policy form
and the other forms of coverage which may be available. You may find
all the coverage you want in a general form, or you may determine that
you need special coverage at extra cost.
Real estate brokers, attorneys, fee-only financial planners, and CPAs
can recommend local insurance brokers. Once you have some names
what questions should you ask? Here are a few to get you started:
KNOWLEDGEFINANCIAL.COM
•What form works best in your
situation?
•What is included under the form
you select -- and what is excluded.
•Do you have a personal office at home? If yes, what is covered?
•
Do you have a home-based business? If yes, you may require additional
coverage specific to the type of business you operate. In this case,
think in terms of clients dropping by, business equipment, inventory,
etc.
•Do you have antiques and
jewelry? What coverage are you
getting? What coverage do you
need?
•How much personal liability protection will the policy provide? What is
the cost of additional coverage? What about an "umbrella" policy?
•If you have a loss, will coverage be for actual cash value or
replacement cost? Have the insurance broker explain the difference.
•What is the policy deductible?
(Generally lower deductibles mean higher premiums, higher
deductibles result in lower premiums.) ·
•How will the policy be paid? If your
lender maintains an escrow account, the insurance policy will be paid
by the lender -- remember, the house is security for the lender's
mortgage. If you pay for property taxes and insurance directly, you will
pay the bill. ----KNOWLEDGEFINANCIAL.COM
For details regarding escrow accounts and insurance requirements,
speak with your lender.
•Is your home an historic property? If yes, what special coverages are
required?
•When a policy says it covers "personal property" what does that term
mean? What does it include and exclude?
•How can you reduce policy
costs? For instance, if you buy auto and home insurance from
the same source will your combined expenses decline?
•What home improvements can you make
that would result in lower premiums?
•How are claims handled if you have a loss?
For your protection, it's a good idea to photograph or video your home
and special possessions -- and then keep such photography in a safe
deposit box.
KNOWLEDGEFINANCIAL.COM
situation?
•What is included under the form
you select -- and what is excluded.
•Do you have a personal office at home? If yes, what is covered?
•
Do you have a home-based business? If yes, you may require additional
coverage specific to the type of business you operate. In this case,
think in terms of clients dropping by, business equipment, inventory,
etc.
•Do you have antiques and
jewelry? What coverage are you
getting? What coverage do you
need?
•How much personal liability protection will the policy provide? What is
the cost of additional coverage? What about an "umbrella" policy?
•If you have a loss, will coverage be for actual cash value or
replacement cost? Have the insurance broker explain the difference.
•What is the policy deductible?
(Generally lower deductibles mean higher premiums, higher
deductibles result in lower premiums.) ·
•How will the policy be paid? If your
lender maintains an escrow account, the insurance policy will be paid
by the lender -- remember, the house is security for the lender's
mortgage. If you pay for property taxes and insurance directly, you will
pay the bill. ----KNOWLEDGEFINANCIAL.COM
For details regarding escrow accounts and insurance requirements,
speak with your lender.
•Is your home an historic property? If yes, what special coverages are
required?
•When a policy says it covers "personal property" what does that term
mean? What does it include and exclude?
•How can you reduce policy
costs? For instance, if you buy auto and home insurance from
the same source will your combined expenses decline?
•What home improvements can you make
that would result in lower premiums?
•How are claims handled if you have a loss?
For your protection, it's a good idea to photograph or video your home
and special possessions -- and then keep such photography in a safe
deposit box.
KNOWLEDGEFINANCIAL.COM
 | |  | |  | |  | |  | |  |
| Life Insurance Benefits, Advantages-How to Reduce Your Premium And Get More Coverage For Less Money For You And Your Entire Family No Matter How Many Children You Have or Will Have; All Cover For The Same Low Cost. -- South FL. Call Anthony The Insurance Representative At: Be Properly Protected With a Good Insurance Policy. Affordable Life Insurance: Best Price, Best Plan With The Best Company. Call At: Family Treasure; Life Insurance Can be a Great One. |
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| LISTING YOUR PROPERTY WITH US: WE GUARANTEE YOU WE WILL SELL FOR THE TOP PRICE, FAST & QUICK! We have buyers interested in buying multi-family & commercial properties in Miami Dade county, Broward, Palm Beach, Fort-myers and Port St Lucie area. -------------------------------- We are looking for sellers. Call us for free consultation and valuation of your property. -------------------------------- We offer exceptional real estate service to ensure the highest exposure and top dollar for your property. We promote For Sale properties with an exclusive multimedia marketing campaign. We Sell fast, we Sell it quick for the top dollar. BUYING, SELLING, LEASING, LISTING A REAL ESTATE PROPERTY. CONTACT A REAL ESTATE PROFESSIONAL AT: FROM F. INT. REALTY. |
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| BUYING, SELLING, LEASING A REAL STATE PROPERTY IN SOUTH FLORIDA IS THE AFFAIR OF A LICENSED REAL ESTATE PROFESSIONAL. CALL ANTONY AT: FOR A COMPLETE REAL ESTATE SERVICE! |
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| ATTENTION HOMES SELLERS: LET US HELP YOU SELLING YOUR PROPERTY. WITH US: IS MORE ADVERTISEMENT, MORE EXPOSURE, MORE SHOWINGS, MORE OFFERS, AND MORE MONEY FOR YOUR PROPERTY! YOUR PROPERTY WILL BE MARKETING IN 13 DIFFERENT LANGUAGES CALL: --- SOUTH FLORIDA. --- WE,RE LICENSED REALTOR & LICENSED MORTGAGE Selling Your Real Estate in Least Amount of Time For The Most Money. Expose Your Property to The Most Potential Buyers. CALL ANTHONY AT: |
IF YOU NEED HELP TO SELL YOUR REAL ESTATE
PROPERTY IN SOUTH FLORIDA; PLEASE CALL ANTONY
A PROFESSIONAL REALTOR. AT: -- Fortune Int. Realty.
--- CLIENTS COMPLETE SATISFACTION GUARANTEED !
HOME-SELLING --
-' -REAL ESTATE SERVICES-- HOME-BUYING -
- REAL ESTATE INFO.---- MORTGAGE LOANS INFO. -- ''
'INVESTMENT & FINANCE: METHODS, TECHNIQUES,
AND STRATEGIES. WHERE, WHEN, HOW TO INVEST?
-
-TIPS FOR HOME BUYERS -- Top 10 Home Buying
Mistakes To Avoid--
PROPERTY IN SOUTH FLORIDA; PLEASE CALL ANTONY
A PROFESSIONAL REALTOR. AT: -- Fortune Int. Realty.
--- CLIENTS COMPLETE SATISFACTION GUARANTEED !
HOME-SELLING --
-' -REAL ESTATE SERVICES-- HOME-BUYING -
- REAL ESTATE INFO.---- MORTGAGE LOANS INFO. -- ''
'INVESTMENT & FINANCE: METHODS, TECHNIQUES,
AND STRATEGIES. WHERE, WHEN, HOW TO INVEST?
-
-TIPS FOR HOME BUYERS -- Top 10 Home Buying
Mistakes To Avoid--
| ''UNKNOWN SECRETS OF INSURANCE.. PROFITS, FEATURES, BENEFITS, ADVANTAGES. ''AFFORDABLE LIFE INSURANCE: BEST PRICES, BEST PLAN, WITH THE BEST COMPANY. |
| --Have You Talked to a Primerica Representative Lately? If not, Give them a call.. , South Florida #: --New Opportunities Are Only a Phone Call Away. Primerica is in the Business of Changing Lives by Helping Families Becoming Debt Free, Be Properly Protected, and Financially Independent. How? South Florida, Call a Representative at: -- ''INSURANCE-- Everything You Need to Know About Insurance; South Florida, Call ANTHONY The Insurance Representative At: - - Get an Insurance Quote, Look How much a Policy Can Cost You, or See If You're Paying Too Much For a Policy.-- Get a Free Quote! With No Obligation-- Learn About The Top 10 Insurance Myths... GET THE BEST INSURANCE ADVICE EVER... -Primerica Financial Services- Primerica Life Insurance Company. What We Do, How we do it? EVERYTHING YOU WANT TO KNOW... A JOB, OR A BUSINESS OPPORTUNITY MAY BE AVAILABLE FOR YOU, YOUR FRIENDS, OR FAMILY MEMBERS... IT'S FREE-- |
| Real Estate Assistance Program For Home-Buyers & sellers FREE MONEY: EARN CASH BACK; BUYERS AND SELLERS YOU CAN PUT MONEY BACK IN YOUR POCKET... Earn a cash back bonus. CLICK HERE... When you buy or sell a home through Real Estate Assistance Program With us ... GET BACK UP TO $2,500.00 ------------------------------------- FREE ONLINE AD: COMPLETELY FREE, ABSOLUTELY FREE ADVERTISEMENT ON THREE DIFFERENT WEBSITES; NO FEES, NO CHARGES, NO COSTS TO YOU. .. CLICK HERE ... |
| HOMES FOR SALE South Florida Real Estate Owners: Call Anthony At: SOUTH FLORIDA; CALL ANTONY A PROFESSIONAL REALTOR. AT: -- F Int Realty. --- CLIENTS COMPLETE SATISFACTION GUARANTEED ! -------------------- ABSOLUTE REAL ESTATE MARKETING: WE WILL EXPOSE YOUR FOR SALE PROPERTY TO MORE THAN 25 DIFFERENT WEBSITES WORLDWIDE LANGUAGES / DIFFERENT COUNTRY WE WILL ADVERTISE YOUR REAL ESTATE IN 13 DIFFERENT LANGUAGES. MORE EXPOSURE, MORE BUYERS FROM DIFFERENT COUNTRY. OPEN HOUSE WE WILL DO FREQUENT OPEN HOUSE, MORE ANNOUNCEMENT TO MORE PEOPLE. EMAIL MARKETING WE WILL ADVERTISE YOUR REAL ESTATE BY SENDING EMAIL TO OTHER AGENTS, INVESTORS AND PROSPECTIVE BUYERS. South Florida Home Sellers' CALL A REALTOR AT: 786-709-6577 |
| --Have You Talked to a Primerica Representative Lately? If not, Give them a call.. , South Florida #: --New Opportunities Are Only a Phone Call Away. Primerica is in the Business of Changing Lives by Helping Families Becoming Debt Free, Be Properly Protected, and Financially Independent. How? South Florida, Call a Representative at: -- ''INSURANCE-- Everything You Need to Know About Insurance; South Florida, Call The Insurance Representative At: - - Get an Insurance Quote, Look How much a Policy Can Cost You, or See If You're Paying Too Much For a Policy.-- Get a Free Quote!-- Learn About The Top 10 Insurance Myths... GET THE BEST INSURANCE ADVICE EVER... -Primerica Financial Services- Primerica Life Insurance Company. What We Do, How we do it? EVERYTHING YOU WANT TO KNOW... A JOB, OR A BUSINESS OPPORTUNITY MAY BE AVAILABLE FOR YOU, YOUR FRIENDS, OR FAMILY MEMBERS... IT'S FREE-- |
..Life Insurance Advantages, Benefits, & Features While
Alive and After Death... Learn More Here!
..Insurance General Information: Ways to Make Money &
Save Money on Your Insurance. Learn More...
..Term Insurance Advantages, Term Insurance General
Knowledge. Buy the Term, and invest the difference.
Learn More...
..Life Insurance Quote. Find out if You Pay too much for
Your Insurance, Or Check How Much You Can Pay For a
Life Insurance...
..Investment Products: Investing & Money Management
Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
Insurance Products: How to make profits with the
insurance companies? Learn More.
..Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS
WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR
BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH ONE OF THE GREATEST
INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING,
FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN
MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE
HERE...
Life Insurance
Life insurance, payable when you die, can provide a surviving
spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay
debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
Alive and After Death... Learn More Here!
..Insurance General Information: Ways to Make Money &
Save Money on Your Insurance. Learn More...
..Term Insurance Advantages, Term Insurance General
Knowledge. Buy the Term, and invest the difference.
Learn More...
..Life Insurance Quote. Find out if You Pay too much for
Your Insurance, Or Check How Much You Can Pay For a
Life Insurance...
..Investment Products: Investing & Money Management
Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
Insurance Products: How to make profits with the
insurance companies? Learn More.
..Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS
WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR
BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH ONE OF THE GREATEST
INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING,
FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN
MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE
HERE...
Life Insurance
Life insurance, payable when you die, can provide a surviving
spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay
debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
REAL ESTATE: BUYING, SELLING, LEASING A
PROPERTY IN THE SOUTH FLORIDA AREA. IS THE
AFFAIR OF A LICENSED PROFESSIONAL REALTOR.
CALL . ANTONY AT:
PROPERTY IN THE SOUTH FLORIDA AREA. IS THE
AFFAIR OF A LICENSED PROFESSIONAL REALTOR.
CALL . ANTONY AT:
| BUYING, SELLING, LEASING A REAL STATE PROPERTY IN SOUTH FLORIDA IS THE AFFAIR OF A LICENSED REAL ESTATE PROFESSIONAL. CALL ANTONY AT: FOR A COMPLETE REAL ESTATE SERVICE! |
| BUYING, SELLING, LEASING A REAL STATE PROPERTY IN SOUTH FLORIDA IS THE AFFAIR OF A LICENSED REAL ESTATE PROFESSIONAL. CALL ANTONY AT: FOR A COMPLETE REAL ESTATE SERVICE! |
Ways to Save Money on Your Utility Bill
Here are large and small changes you
can make to help your home be more
energy efficient and cut utility bills for
years to come:
1. Do a Nightly Energy Sweep
We all have left fans, lights or
appliances on at night while we sleep,
but doing so wastes increasingly
expensive energy.
To save money, do a nightly sweep
through the house to make sure all
your electric devices are turned off
before you go to bed. It may be a pain,
but the savings from simply turning
everything off can add up quickly.
---------------------------------
2. Install an
Irrigation Meter
Do you know that you are charged
twice for the water you use every
month -- once to pump it into your
house and again to pump it out as
sewage?
"The assumption is every gallon of
water that you run out of your faucet is
going to go back down the drain," says
Eric Liskey, deputy editor for garden
and outdoor living at Better Homes and
Gardens magazine.
But if you use water to irrigate your
lawn or garden, that water never
makes it into the sewer system.
To save money by making sure you're
only paying for the sewer capacity
you're using, many utilities offer the
option to get a separate meter to
measure water usage for irrigation,
swimming pools and other outdoor
uses, says Liskey.
Once installed, the meter will be read
every month by your utility company
and its reading subtracted from your
sewage bill.
-----READ MORE BELOW--
Here are large and small changes you
can make to help your home be more
energy efficient and cut utility bills for
years to come:
1. Do a Nightly Energy Sweep
We all have left fans, lights or
appliances on at night while we sleep,
but doing so wastes increasingly
expensive energy.
To save money, do a nightly sweep
through the house to make sure all
your electric devices are turned off
before you go to bed. It may be a pain,
but the savings from simply turning
everything off can add up quickly.
---------------------------------
2. Install an
Irrigation Meter
Do you know that you are charged
twice for the water you use every
month -- once to pump it into your
house and again to pump it out as
sewage?
"The assumption is every gallon of
water that you run out of your faucet is
going to go back down the drain," says
Eric Liskey, deputy editor for garden
and outdoor living at Better Homes and
Gardens magazine.
But if you use water to irrigate your
lawn or garden, that water never
makes it into the sewer system.
To save money by making sure you're
only paying for the sewer capacity
you're using, many utilities offer the
option to get a separate meter to
measure water usage for irrigation,
swimming pools and other outdoor
uses, says Liskey.
Once installed, the meter will be read
every month by your utility company
and its reading subtracted from your
sewage bill.
-----READ MORE BELOW--
3. Set Your Water
Heater at 120
Degrees
Not only does heating your water too hot
create the danger of scalding, it can cost
you cash.
The Environmental Protection Agency
estimates that a heater set at 140
degrees or higher can waste $36 to $61
annually in standby heat losses to keep
water at that temperature, and more than
$400 to bring fresh water up to that high
temperature. To save even more money,
you can turn your electric heater off or
turn your gas heater down when you go
on vacation to save even more.
----------------------
4. Upgrade Your
Appliances
Many state and local governments and
utility companies offer financial
incentives for homeowners to upgrade
their appliances to newer, more
energy-efficient models.
These incentives usually take the form of
rebate checks for homeowners who can
provide proof of purchase. To save
money, find incentives offered in your
area by checking the online Database of
State Incentives for Renewables and
Efficiency, or U.S. 50 States incentives
energy efficient policies -DSIRE. //
Florida Incentives/Policies for Energy
Efficiency---
5. Do Your Meter
and Utility Bill
Match Up?
Utility workers make mistakes just like
the rest of us, and when they make
mistakes reading your meter, it can be
costly. While you'll probably notice a big
error on your utility bill, you may not catch
more subtle errors.
Make sure you're only getting charged for
the electricity you actually used by
comparing the meter reading on your
utility bill to what you actually see on your
meter. If the amount on your meter is
lower than the one on your bill, that's a
dead giveaway that you're being
overcharged.
6. Buy a Programmable
Thermostat
Growing up, you probably had a frugal
relative who enforced strict limits on how
high or low the thermostat could be set. If
you don't have one now, a programmable
thermostat can play this role for your
home automatically. Based on your
family's schedule, you can program it to
automatically set the target temperature
higher in the summer and lower in the
winter when your family won't be home.
Heater at 120
Degrees
Not only does heating your water too hot
create the danger of scalding, it can cost
you cash.
The Environmental Protection Agency
estimates that a heater set at 140
degrees or higher can waste $36 to $61
annually in standby heat losses to keep
water at that temperature, and more than
$400 to bring fresh water up to that high
temperature. To save even more money,
you can turn your electric heater off or
turn your gas heater down when you go
on vacation to save even more.
----------------------
4. Upgrade Your
Appliances
Many state and local governments and
utility companies offer financial
incentives for homeowners to upgrade
their appliances to newer, more
energy-efficient models.
These incentives usually take the form of
rebate checks for homeowners who can
provide proof of purchase. To save
money, find incentives offered in your
area by checking the online Database of
State Incentives for Renewables and
Efficiency, or U.S. 50 States incentives
energy efficient policies -DSIRE. //
Florida Incentives/Policies for Energy
Efficiency---
5. Do Your Meter
and Utility Bill
Match Up?
Utility workers make mistakes just like
the rest of us, and when they make
mistakes reading your meter, it can be
costly. While you'll probably notice a big
error on your utility bill, you may not catch
more subtle errors.
Make sure you're only getting charged for
the electricity you actually used by
comparing the meter reading on your
utility bill to what you actually see on your
meter. If the amount on your meter is
lower than the one on your bill, that's a
dead giveaway that you're being
overcharged.
6. Buy a Programmable
Thermostat
Growing up, you probably had a frugal
relative who enforced strict limits on how
high or low the thermostat could be set. If
you don't have one now, a programmable
thermostat can play this role for your
home automatically. Based on your
family's schedule, you can program it to
automatically set the target temperature
higher in the summer and lower in the
winter when your family won't be home.
| BUYING, SELLING, LEASING A REAL STATE PROPERTY IN SOUTH FLORIDA IS THE AFFAIR OF A LICENSED REAL ESTATE PROFESSIONAL. CALL ANTONY AT: FOR A COMPLETE REAL ESTATE SERVICE! |
IF YOU NEED HELP TO SELL OR BUY A REAL ESTATE PROPERTY IN SOUTH FLORIDA; PLEASE CALL
ANTONY A PROFESSIONAL REALTOR.
AT: --- F. Int. Realty. --- -- CLIENTS COMPLETE SATISFACTION GUARANTEED ! -
ANTONY A PROFESSIONAL REALTOR.
AT: --- F. Int. Realty. --- -- CLIENTS COMPLETE SATISFACTION GUARANTEED ! -
The old saying “An
ounce of prevention is
worth a pound of cure” is
very true when it comes to preventing
home claims.
Here are some tips on simple things you
can do to help minimize potential risk
factors in your home: •Perform regular
maintenance on your home. .
By keeping things in running order you,
as the homeowner are kept up to date on
the home’s condition and it can help them
spot potential problems later on.
•If you have a wood burning stove or
fireplace make sure that you have
clearance of at least 24 inches in front of
your fireplace and wood-burning stove.
•Periodically check the hoses going to
your washing machine, refrigerator and
ice machine (if you have one).
Most of the time losses from these
appliances were due to a hose breaking
or coming lose.
•Make sure that your fire
and carbon monoxide
detectors are working. Each
floor of your home should have a fire and
carbon monoxide detector and be
checked every 6 months to see that it is
functioning properly.
•If you are going on vacation during the
winter do NOT turn off your home’s
heating unit.
The home’s temperature should be no
less than 65 degrees. This helps to
prevent the pipes from freezing and
causing major damage to the home.
In case of a claim as the homeowner you
are obligated to protect the home or
portion of the home from further damage.
That could mean tarping over a window or
turning off the water in the home.
If you are unsure what to do, give your
agent a call and ask. When you call in the
claim we will need the date and time of
the accident, your address and a brief
explanation of the damage.
After the claim has been submitted an
adjuster will be assigned to you, typically
within 48 hours, and they will walk you
through the rest of the claims process.
Renters Insurance
Just because you do not own your homes
it does not mean you don’t need
insurance.
If you rent a condo or apartment the
owner has insurance on the actual
structure but none of your personal
property is covered.
Renters insurance covers
your personal property, the
injuries to guests in case of an accident
and loss of use in case the property burns
down and you have to find another place
to stay
ounce of prevention is
worth a pound of cure” is
very true when it comes to preventing
home claims.
Here are some tips on simple things you
can do to help minimize potential risk
factors in your home: •Perform regular
maintenance on your home. .
By keeping things in running order you,
as the homeowner are kept up to date on
the home’s condition and it can help them
spot potential problems later on.
•If you have a wood burning stove or
fireplace make sure that you have
clearance of at least 24 inches in front of
your fireplace and wood-burning stove.
•Periodically check the hoses going to
your washing machine, refrigerator and
ice machine (if you have one).
Most of the time losses from these
appliances were due to a hose breaking
or coming lose.
•Make sure that your fire
and carbon monoxide
detectors are working. Each
floor of your home should have a fire and
carbon monoxide detector and be
checked every 6 months to see that it is
functioning properly.
•If you are going on vacation during the
winter do NOT turn off your home’s
heating unit.
The home’s temperature should be no
less than 65 degrees. This helps to
prevent the pipes from freezing and
causing major damage to the home.
In case of a claim as the homeowner you
are obligated to protect the home or
portion of the home from further damage.
That could mean tarping over a window or
turning off the water in the home.
If you are unsure what to do, give your
agent a call and ask. When you call in the
claim we will need the date and time of
the accident, your address and a brief
explanation of the damage.
After the claim has been submitted an
adjuster will be assigned to you, typically
within 48 hours, and they will walk you
through the rest of the claims process.
Renters Insurance
Just because you do not own your homes
it does not mean you don’t need
insurance.
If you rent a condo or apartment the
owner has insurance on the actual
structure but none of your personal
property is covered.
Renters insurance covers
your personal property, the
injuries to guests in case of an accident
and loss of use in case the property burns
down and you have to find another place
to stay
When it comes to life insurance most people will spend more on their cars than
protecting the family or assets.
Buying the right coverage from the right company will make a difference in your life.
Your insurance agent will advise you as to how much coverage is recommended
based on your age, health, overall goals for your family and life insurance type.
protecting the family or assets.
Buying the right coverage from the right company will make a difference in your life.
Your insurance agent will advise you as to how much coverage is recommended
based on your age, health, overall goals for your family and life insurance type.