Top 10 Home Insurance Myths Debunked

Myth #1: Standard home insurance covers flood damage.

Fact: Standard home insurance does NOT cover damage caused by a flood. If you feel that you need coverage for a flood you should purchase a separate flood insurance policy.

Myth #2: The Medical Payment portion of my homeowners insurance will cover injuries to me and my family.

Fact: MedPay, a common feature of standard home insurance policies, is there to protect you in the event that someone other than you or your family (a neighbor, friend, etc) gets hurt on your property and they do not want to sue you. MedPay will typically cover up to $1,000 for each covered claim to someone outside of your family. If you or your family, however, gets hurt on your property they are not covered by your home insurance policy.

Myth #3: If my home is ever lost, my insurance company will reimburse me for whatever I tell them I owned at the time of loss.

Fact: In the event of a covered loss your home insurance company will ask you to make a list of everything you own and include specific details such as purchase price, date of purchase, serial numbers, etc. (Imagine trying to do this from memory!) The best way to avoid this situation is to have a home inventory already put together. Use a checklist like this one: http://homeinsurance.com home insurance home inventory checklist. Make sure to include photos, receipts, serial numbers and anything else that will help you prove ownership. Don't risk not having everything replaced in the event of a disaster. Make sure to keep your inventory in a fire proof safe or at a friend's house so it is still around when you need it!

Myth #4: If I file a home insurance claim, my home insurance premium will definitely go up.

Fact: While many home insurance companies do look at your claims history, there are many other factors that determine how much you will pay for home insurance. Filing one claim over a period of a few years might not increase your home insurance premium. To be on the safe side, always think twice before filing a claim for minor damages to your home. Consider your deductible. If the total cost of repair is not too much more than your deductible you might want to consider paying for the repairs yourself. While this might cost you more upfront, it might save you from an increased premium. If, because of a stroke of bad luck, you have to file multiple claims over a period of a few years and your premium is steadily increasing, rest assured there are other ways to save on your home insurance. Ask your agent about home insurance discounts. Sometimes simply installing a smoke alarm, burglar alarm system or by adding your auto policy to your home policy, you can save a great deal of cash.

Myth # 5 All of my valuables- like jewelry -will be covered in the event of a burglary.

Fact: There are limits on the amount of coverage you can receive for valuable such as jewelry, furs, etc. For example, most companies put a cap of $1500 on total jewelry lost during a burglary of your home. If you find that your jewelry values over $1500 you should talk to a home insurance agent and schedule an endorsement on your policy giving you additional coverage.

Myth # 6: My home insurance covers mold and/or other issues related to lack of maintenance.

Fact: Actually, a standard home insurance policy does not cover issues related to a lack of maintenance. For example if a plumbing leak that was left unfixed caused mold to grown in the interior walls of your home- mold removal and remediation would NOT be covered in your home insurance. Remember that your home insurance only protects you from damage caused by covered perils such as wind, hail, lightening, fire and theft. Keeping your home well maintained and safe for others is your responsibility and your home insurance company will decline coverage for maintenance related claims.

Myth #7: Flood Insurance is only for people who live in a flood zone.

Fact: Lending institutions, such as the bank that holds your mortgage, will require you to obtain flood insurance if you live in a major Flood Zone. However, keep in mind that all homes are at the risk for flood and standard home insurance policies do NOT cover flood related damage to your home. Due to the recent flooding in the Midwest the importance of this type of coverage for homeowners outside of a major flood zone has become even more apparent. If your home is flooded and you do not have flood insurance you will be on your own to replace your home and its contents. Flood insurance is a wise idea for every homeowner.

Myth #8: I will have to skimp on my coverage in order to save money on my home insurance.

Fact: Saving on your home insurance does not mean that you have to give up important parts of your coverage. It is very important to always be adequately insured in the event of a loss. However, there are lots of ways that you can save money on your home insurance that do not involve changing your coverage. Home Insurance discounts are available for homeowners who use burglar alarms, smoke alarms, deadbolts and other protective devices. Want more savings? Ask your agent about combining your home insurance and your auto insurance policies- you can usually save up to 15% this way.

Myth #9: When determining my coverage, I should use the purchase price for my house as my dwelling coverage amount.

Fact: A common mistake when homeowners are getting quotes for their home insurance is that they use the purchase price of their home to determine their dwelling coverage. Yet, the purchase price of your home includes the land under your home- which does not need to be replaced in the event of a fire or other peril to your home. For this reason, your dwelling coverage should always reflect the replacement cost of your home- or how much it would cost to rebuild your home in the event of a total loss. To determine this amount, multiple the sq. footage of your home by local construction costs. You can use a http://homeinsurance.com/calculators/ home insurance calculator to help you determine the amount if necessary.

Myth #10: You can not buy a home without purchasing homeowners insurance.

Fact: This is a tricky one. Because while you actually CAN buy a home without home insurance (a lender may not require it or you may, although rare, pay cash for the home) you should still always have home insurance on any property you own. Whether a lender requires it or not, the risk is always there. It would only take one fire or lightening storm to destroy your home and leave you uncovered.


Article source : http://www.articlesbase.com/economics-articles/top-10-home-insurance-myths-debunked-464524.html

Memperkirakan Biaya Startup Realistis

Bisnis menghabiskan uang sebelum mereka pernah membuka pintu mereka. biaya startup adalah mereka biaya yang dikeluarkan sebelum bisnis berjalan. Banyak orang meremehkan startup biaya, dan memulai bisnis mereka di serampangan, cara yang tidak direncanakan. Hal ini dapat bekerja, tetapi biasanya jauh lebih sulit. Pelanggan waspada merek bisnis baru dengan logistik darurat.

Gunakan lembar kerja startup untuk merencanakan pembiayaan awal Anda. Anda akan memerlukan informasi ini untuk mengatur saldo bisnis awal, dan untuk memperkirakan biaya startup. Jangan meremehkan biaya.

• Beban Startup: Ini adalah biaya yang terjadi sebelum awal dari rencana, sebelum bulan pertama. Sebagai contoh, banyak perusahaan baru mengeluarkan biaya untuk pekerjaan hukum, desain logo, brosur, pemilihan lokasi dan perbaikan, dan biaya lainnya.
• Aset Startup: aset startup khas adalah uang tunai (dalam bentuk uang di bank ketika perusahaan mulai), dan dalam banyak kasus mulai persediaan. Aset mulai lain baik saat ini dan jangka panjang, seperti peralatan, perabot kantor, mesin, dll
• Pembiayaan Startup: Ini meliputi investasi modal dan pinjaman. Satu-satunya jumlah investasi atau jumlah pinjaman yang termasuk dalam tabel startup adalah mereka yang terjadi sebelum awal dari rencana. Apa pun yang terjadi selama atau setelah bulan pertama harus pergi bukan ke Arus Kas meja, yang secara otomatis akan menyesuaikan Neraca.

Waktu adalah segalanya

Beberapa orang yang bingung dengan definisi khusus dari biaya startup, aset startup, dan pembiayaan startup. Mereka akan lebih memilih untuk memiliki lebih luas, definisi yang lebih umum yang mencakup, misalnya, biaya yang dikeluarkan selama tahun pertama atau beberapa bulan pertama dari rencana. Sayangnya, ini juga akan menyebabkan penghitungan ganda biaya dan laporan keuangan non-standar. Semua biaya yang dikeluarkan selama tahun pertama harus muncul dalam Laba Rugi pernyataan tahun pertama, dan semua biaya yang dikeluarkan sebelum itu harus muncul sebagai biaya startup.
Jangan menghitung biaya dua kali; mereka pergi di Startup atau Laba Rugi , tetapi tidak keduanya. Satu-satunya perbedaan adalah waktu. Demikian pula, tidak membeli aset dua kali; mereka pergi ke Startup jika Anda mendapatkan mereka sebelum tanggal awal. Jika tidak, menempatkan mereka dalam Laba Rugi.

Lihat Juga: Panduan Lengkap untuk Memahami Arus Kas

Beban dibandingkan aset

Banyak orang dapat bingung dengan perbedaan akuntansi antara biaya dan aset. Misalnya, mereka ingin merekam penelitian dan pengembangan sebagai aset bukan beban, karena beban yang membuat properti intelektual. Namun, standar akuntansi dan hukum perpajakan keduanya ketat pada perbedaan:

• Biaya yang dikurangkan terhadap penghasilan, sehingga mereka mengurangi penghasilan kena pajak.
• Aset yang tidak dapat dikurangkan terhadap penghasilan.

Apa perusahaan menghabiskan untuk memperoleh aset tidak dikurangkan terhadap penghasilan. Misalnya, uang yang dihabiskan untuk persediaan tidak dikurangkan sebagai biaya. Hanya ketika persediaan dijual, dan karena itu menjadi beban pokok penjualan atau biaya penjualan, apakah itu mengurangi pendapatan.
Umumnya perusahaan ingin memaksimalkan pengurang penghasilan sebagai beban, bukan aset, karena ini meminimalkan beban pajak. Dengan itu dalam pikiran, berpengalaman pemilik bisnis dan akuntan akan selalu ingin memperhitungkan uang yang dihabiskan untuk pembangunan sebagai beban, bukan aset. Ini umumnya jauh lebih baik daripada akuntansi untuk pengeluaran ini seperti membeli aset, seperti paten atau hak produk. Aset terlihat lebih baik dari buku daripada biaya, tapi jarang ada korelasi yang jelas dan jelas antara uang yang dihabiskan untuk penelitian dan pengembangan, dan nilai pasar properti intelektual. Perusahaan yang menjelaskan pembangunan sebagai aset menghasilkan sering dapat berakhir dengan aset terlalu dibesar-besarkan, dan laporan keuangan dipertanyakan.
Kesalahpahaman lain yang umum melibatkan peralatan biaya perusahaan. Internal Revenue Service AS memungkinkan jumlah terbatas pembelian peralatan kantor disebut biaya, tidak membeli aset. Anda harus memeriksa dengan akuntan Anda untuk mengetahui batas saat peraturan ini. Akibatnya, peralatan dibebankan adalah mengambil keuntungan dari uang saku. Setelah perusahaan Anda telah menggunakan uang saku, maka pembelian tambahan harus pergi ke aset, bukan beban. Perawatan ini juga menunjukkan preferensi umum untuk biaya atas aset, ketika Anda memiliki pilihan.

Lihat Juga: Cara Menulis Rencana Bisnis

Mengapa Anda tidak ingin memanfaatkan biaya

Kadang-kadang orang ingin memperlakukan biaya sebagai aset. Ironisnya, itu biasanya ide yang buruk, karena beberapa alasan:

• Uang yang dihabiskan untuk membeli aset tidak dikurangkan dari pajak. Uang yang dihabiskan untuk biaya dikurangkan.
• Memanfaatkan biaya menciptakan bahaya melebih-lebihkan aset.
• Jika Anda dikapitalisasi biaya, yang muncul pada buku Anda sebagai aset. Memiliki aset berguna pada buku akuntansi bukanlah hal yang baik.

Lihat Juga: 4 Cara Kreatif untuk Mengurangi Biaya Usaha Kecil Startup

Jenis pembiayaan startup

• Investasi adalah apa yang Anda atau orang lain menempatkan ke dalam perusahaan. Itu berakhir sebagai Modal Disetor pada Neraca. Ini adalah konsep klasik investasi bisnis, mengambil kepemilikan dalam sebuah perusahaan, mempertaruhkan uang dengan harapan mendapatkan uang kemudian.
• Hutang piutang adalah utang yang akan berakhir sebagai Hutang di Neraca. Umumnya ini berarti utang kartu kredit. Jumlah ini menjadi saldo awal dari Neraca Anda.
• Pinjaman saat ini adalah utang standar, meminjam dari bank, Small Business Administration, atau pinjaman saat lainnya.
• Kewajiban lancar lainnya merupakan kewajiban tambahan yang tidak memiliki biaya bunga. Ini adalah tempat Anda meletakkan pinjaman dari pendiri, anggota keluarga, atau teman-teman. Kami tidak merekomendasikan pinjaman bebas bunga untuk pembiayaan, dengan cara, tetapi ketika mereka terjadi, ini adalah di mana mereka pergi.
• Kewajiban jangka panjang adalah utang atau jangka panjang pinjaman jangka panjang.

Mengharapkan kerugian pada startup

Kerugian pada saat startup sangat umum - pada titik ini dalam kehidupan perusahaan, Anda sudah dikeluarkan beban pajak-deductible, tetapi Anda tidak memiliki penjualan belum. Jadi Anda memiliki kerugian. Jangan heran; itu normal.

Lihat Juga: The Elemen Kunci dari Rencana Keuangan

saldo kas pada tanggal awal

kebutuhan kas adalah perkiraan berapa banyak uang perusahaan startup Anda perlu memiliki account yang memeriksa ketika mulai. Secara umum, Saldo Kas Anda pada Tanggal Mulai adalah uang yang Anda dibesarkan sebagai investasi atau pinjaman dikurangi uang tunai yang Anda habiskan untuk biaya dan aset. Saat Anda membangun rencana Anda, menonton proyeksi arus kas Anda. Jika saldo kas Anda turun di bawah nol maka Anda perlu meningkatkan pembiayaan atau mengurangi biaya. Banyak pengusaha memutuskan mereka ingin mengangkat lebih banyak uang dari yang mereka butuhkan sehingga mereka akan memiliki uang tersisa untuk kontinjensi.
Namun, meskipun yang masuk akal ketika Anda dapat melakukannya, sulit untuk menjelaskan bahwa kepada investor. Para investor luar tidak ingin memberikan lebih banyak uang dari yang Anda butuhkan, untuk jelas alasan-itu uang mereka!

About vehicle insurance

Vehicle#insurance#is#an#integral part of your motor. Although, it's a recurring annual expense, you can make a huge savings in the annual premiums. Hence, it would be a good idea to be well aware of the nitty-gritty of such motor policies.

There are two#types of vehicle#policies: Third Party#& Comprehensive vehicle#policy. Third party#refers protection#cover for the#damage done to#a third party#into an event#of an accident,#such as injury#or death or damage#to his or#her property –#on account#of any accident#caused by your#vehicle under Third#Party insurance. It also includes personal accident cover for the owner-driver. However, it doesn't cover any damage to your motor. As#per the law,#it is mandatory to#hold atleast third#party cover to#driver your motor on roads.

 A comprehensive is#a protective cover#for your#vehicle as well. It will provide#you both third party#and own damage covers. Taking cover#for own damage#is not mandatory#but it will#be proves#quite helpful#as it takes#care of your financial#needs during emergency. Therefore,#it is advisable#to cover for damages#to own the vehicle too. The risks covered#are natural#disasters such#as#earthquake, flood,#storm, etc.#Man-made#disasters such#as accident,#theft, fire,#riots, malicious act, etc.

Every vehicle is insured#upon a value#based#on the manufacturer's#price of the#vehicle minus#the depreciation as per the vehicle's age known#as Insured Declared Value. The damage to third#party#property is#covered#upto a#sum#of Rs 7.5 lakh for car and Rs 1 lakh for two-wheeler. And there is no#such limit on the cover for injury or death to the third party.

The premium#on your Vehicle Insurance policy is determined#on various factors#like model,#capacity, age, fuel type, city you#stay in, your age, profession, security aspects, claim experience and lastly modifications made/accessories added to the vehicle.

One of the most common ways to save premium is the No Claim Bonus (NCB), where you can get a discount on your premium if you haven't made any claim in the prior years. These discounts can be increased with#each successive#year#of zero-claim#and goes#up to as#high as 50% to 60%.#It is advisable#don't claim for petty dents or small scratch and utilized your No Claim Bonus, instead accumulate these bonuses and utilized for higher discount premiums. Another way to reduce premium would be installing safety devices, having membership of an automobile association, choosing higher deductibles, parking in garages or safe area, etc.

Many van drivers and commercial vehicle owners often rely heavily on their vehicles as#a source#of income. For#this reason#it is important#that#you#look after#your vehicle#well and#make#sure you are sufficiently insured should anything go wrong.

One of the most important factors of insuring your commercial vehicle is making sure you have the right cover for you vehicle and it's intended use.

Most commercial policies will not automatically provide cover for any goods or tools in your vehicle. "Goods in transit" insurance can normally be purchased separately and added on to your existing commercial insurance. Note that the amount insured may be a limited sum for each vehicle and will based on the value of the contents. Goods in transit insurance will provide cover for:

• Theft (while in transit)
• Loss (while in transit)
• Damage caused by accidents during transit
• Damage caused during transit

You can always#enhance#the#protective#cover#by opting#for add-on#to insure#for#risks#that#are#not covered#under a#standard#policy. Some#common-add on would#zero depreciation,#no-claim bonus,#hospitalization, etc. Some insurance companies offer the cashless facility if the vehicle is repaired at their authorized garages. Else, you can#repaired at your preferred#garage and then#claim reimbursement from the insurer.#

There are some standard exclusions such as normal wear and tear,  mechanical or electrical breakdown. If the person driving the vehicle doesn't have a valid license or driving under the influence of alcohol or drugs, you may not be able to claim vehicle insurance.#You can#change your vehicle insurance provider#without losing#the#benefit#of#any#no-claim bonus#that#you #may#be#eligible#for.

Invest In a Luxurious Property for Quality Living & Modern Lifestyle

Buying property is considered as the biggest financial decision and thus it is very important to ensure that you are taking every step carefully as well as under expert vigilance. In other words, investing in a real estate property needs more calculation so that you can invest in a luxurious dwelling that can give you high return on investment. It is believed that for those who wish to have a modern lifestyle are required to find a home that is equipped with all the modern day amenities and showcases flattering interiors. In addition, the property needs to be at a location which has innumerable scope for development in terms of education and job.

 It is very important for you to invest in a property of a well established city and the city that has tremendous growth in transportation. However, it is seen that property seekers don't know whether to invest in an apartment or in an independent house. Thus, for them mentioned below are some important points that can help you in investing in the best property:

    The biggest advantage of an apartment living is the security for your family members. Apartments include high quality security systems, whereas security is a concern in independent house and if you are looking forward to keep a watchman, then it will come at a significant cost.
    Apartment will have a well maintained garden that allows you to take a stroll or relax.
    There are numerous facilities in a flat such as gym or pool which will help you to lead a healthy life and having a gymnasium in other type of abode can make a hole in your pocket.
    Parking space is well defined in an apartment, which minimizes the war of words with neighbor.

So, if you are the one who is looking for a flat, then Supertech Capetown is a perfect residential property for you, which is located at sector 74, Noida. It is spread over 50 acres of land and offers 2/3/4 BHK apartments with sizes ranging between 930 sq. ft. and 2385 sq. ft. The property is equipped with a wide range of amenities such as:

    Club house
    Gymnasium
    Intercom facility
    Jogging track
    RO water system
    Rain water harvesting system
    24*7 security
    Power backup
    Swimming pool
    Visitor parking
    Sports facility

In addition to the amenities, it combines the best of design, architecture and aesthetics. Thus, it can be said that investing your hard earned money in this property is the best choice.

Article Source : http://www.articlesbase.com/real-estate-articles/invest-in-a-luxurious-property-for-quality-living-modern-lifestyle-7417925.html

General Insurance Agents Tell About LIC & also Health Insurance For Family and Parents

General Insurance Agents & Life Insurance Agents

Previous to nationalizations associated General insurance agents  insurance coverage industry within 1973 this GIC Work had been handed within the Parliament within 1971, however it arrived to impact within 1973. There was 107 General insurance companies providers which include divisions associated with foreign businesses managing near your vicinity about nationalization, these lenders have been blend along with grouped into your following several subsidiaries associated with GIC for example Nationwide Insurance policy Corp. Ltd., Calcutta; The modern The Indian subcontinent Confidence Corp. Ltd., Mumbai; The particular Asian Insurance policy Corp. Ltd., Brand new Delhi along with United The Indian subcontinent Insurance policy Corp. Ltd., Chennai and now delinked.

General Insurance Agents coverage organization within The indian subcontinent is extensively separated into hearth, maritime along with miscellaneous GIC in addition to straight coping with Aviation along with Reinsurance organization administers this Detailed Crop Insurance policy System, Private Automobile accident Insurance policy, Interpersonal Stability System and so on. The particular GIC and its particular subsidiaries in keeping with the intention of nationalization in order to propagate this concept associated with insurance coverage all over also to offer insurance coverage protection in order to less strong part of this contemporary society are usually making work to style brand-new addresses and also to popularize different non-traditional organization.

Liberalization associated with Life Insurance policy

The particular thorough regulation associated with insurance coverage organization within The indian subcontinent had been introduced into impact while using the enactment of the Insurance policy Work, 1983. That tried to manufacture a powerful along with strong guidance along with regulating power within the Controller associated with Insurance policy using capabilities in order to direct, guide, check out, sign up along with liquidate insurance providers and so on. Nevertheless, major about this nationalization associated with insurance coverage organization, the majority of the regulating functions have been recinded on the Controller associated with Insurance policy along with vested within the insurance firms independently. The Costa  Rica government associated with The indian subcontinent within 1993 had create a high run committee by simply 3rd there�s r. In. Malhotra, former Governor, Reserve Lender associated with The indian subcontinent, to look at this composition of the insurance coverage industry along with propose improvements to make that better along with aggressive maintaining in view this structural improvements within the rest of the economic climate for the region.

Malhotra Committee's Advice

The particular committee published it is report within Jan 1994 proposing that individual insurance firms be permitted to co-exist as well as authorities businesses similar to LIC along with GIC businesses. This kind of advice was encouraged by simply several elements for example desire for higher further insurance policy for the overall design, and also a very much a better level associated with mobilization associated with funds on the financial system, and also a very much a better level associated with mobilization associated with funds on the financial system regarding infrastructural growth. Liberalization of the insurance coverage sector is at the very least to a certain extent motivated by simply financial requirement associated with tapping this massive reserve associated with benefits for the overall design. Committee's tips have been the following:

to Elevating the main city starting associated with LIC along with GIC approximately Rs. 200 crores, 50 percent retained with the authorities along with relax distributed on the general public most importantly using acceptable a reservation to its staff members.

to Private sector is awarded in order to get into insurance coverage industry that has a minimum settled way up investment capital associated with Rs. 100 crores.

to Overseas insurance coverage be permitted to get into by simply floating a American indian corporation if at all possible a three way partnership using American indian associates.

to Actions are usually started to set up a powerful along with powerful insurance coverage regulating such as a statutory autonomous panel for the lines associated with SEBI.

to Confined quantity of individual businesses being authorized within the sector. However zero organization is authorized within the sector. However zero organization is permitted to function within each lines associated with insurance coverage (life or perhaps non-life).

to Tariff Advisory Panel (TAC) is delinked style GIC to operate as being a distinct statuary body below important guidance with the insurance coverage regulating power.

oAll insurance providers always be cared for about equivalent footing along with influenced with the convention associated with insurance coverage Work. Zero exclusive dispensation is given to authorities businesses.

oSetting way up of an powerful along with powerful regulating body using unbiased resource regarding capital ahead of allowing individual businesses into sector.



Article Source : http://www.articlesbase.com/babies-articles/general-insurance-agents-tell-about-lic-also-health-insurance-for-family-and-parents-7393402.html

Vehicle Insurance plan? How Essential Is It?

Using the rise inside of the quantity of automobiles concerning the citys roads, too because the number of commuters who want the comfort and ease of their own automobiles, auto insurance policies is really a outstanding technique to deal with finances relating for your automobile, additionally to planning while in the celebration of harm, theft or resale of the automobile.

Even so, ahead of you consider out insurance, it truly is vital to understand what youre taking out. It can be also critical to become conscious of fraudulent insurers also in producing your insurance coverage  auto gps choices; just the actual very same because it is essential to become straightforward when taking out your policy and producing your claims.

Various guys and females lie to audi dvd insurers to save on premium expenses. Almost certainly one of the most widespread lies are about age, address and precisely where the middle east igo map is parked overnight. Rather a number of persons also normally tend not to declare bans for speeding or drunk driving.

Lying about private or driving report details can carry about an insurance policy starting to be invalidated, stated uSwitch.com, which sponsored the survey.

The ABI estimates that the database could conserve insurers 20,000 every day in detecting and deterring fraudulent insurance policies method claims.

It added that insurers may be having Sunvisor Monitor to pay out as drastically as 500m a yr to fraudulent claimants.

"Dishonest chevrolet aveo navigation insurance coverage coverage claims are paid for by straightforward buyers, for this reason insurers are decided to stamp them out," ABI spokesman Justin Jacobs stated.

"Not only will it support detect considerably far more backup camera fraud alternatively it's going to act like a sturdy deterrent, generating any individual thinking of cheating on their insurance plan coverage genuinely really feel twice."


Roof-mounted Monitors claims inspect from Kent has extended been observed to possess undertaken fraudulent pursuits on tens of 1000s of accident evaluations in the existing civil situation. Because of the circumstance, which took three a long time nicely value of investigations by a employees at Hill Dickinson, solicitor are warning insurers versus working with specifics supplied by Adrian Mantle of Beckenham. Mr Mantle, 53, who's stated to possess inspected 50 000 accident damaged autos additional than a 3 yr span, employed a variety of aliases to signal off his reports.

Because of the reality this judgment he has prepared critiques working with other aliases, stated Peter Oakes, companion and Car FM Transmitter head of fraud at Hill Dickinson. It has not stopped his actions but we do track him and warn our clientele when it takes put.

The circumstances final result could curb the amount of fraudulent circumstances as fraud rings could need to search out a new insider if igo map for middle east desire to indicator off fake lilliput monitors claims, further Mr Oakes.

Assistant solicitor Martin Stockdale stated Mr Mantle ha not been charged criminally fundamentally because the onus is regarding the police to investigate if an insurance coverage policies firm puts forth a criminal criticism. You can expect to locate obviously troubles I visualize could very well be of interest to the police, he stated.

Mr Mantle has gone by the names Stuart King, Peter Smith, Derek Dunk and Martin Booth C the latter two being engineers who've been utilized by Mr Mantle. The solicitors supplied info to your court that showed Mr Mantle had been undertaking an standard of seven inspections each day, generally in a variety of regions in the nation.

As for that two purchasers and insurers alike, ailing to disclose essential data mainly primarily due to the fact mitsubishi lancer dvd are bewildered by insurance coverage organization jargon, if in doubt, permit frequent sense prevail and be unique that honesty will probable be the very best policy.


Article Source : http://www.articlesbase.com/cars-articles/vehicle-insurance-plan-how-essential-is-it-4299439.html

Vehicle Insurance Premium Calculator – Ideal Tool to Save Money and Get the Best Car Insurance

Vehicle insurance premium is the amount of money you pay towards your insurance to the company as a fee to protect your vehicle against agreed eventualities. This may be low or high as per your insurance requirements, condition of the vehicle, type of protection expected and much more. Unfortunately, most people end up paying huge amount of premium towards their insurance. This is due to their inability to calculate exact premium required for insurance. They ignore the importance of using a premium calculator.

Premium policy calculation is not something that you can do with your fingers. You would require a special tool to assist you in the task. You may not be able to understand the details, complications, rules and other factors involved in the calculation process of vehicle insurance. These details and minute clauses have a huge impact on the insurance policy premium. For instance, if you want to include more benefits to your policy, you require paying more amount of premium. Additionally, many important clauses decide on the final policy rates including the car condition, its age, previous claims and a lot more. You require having adequate knowledge about these details and clauses to be able to calculate premium on your own. Vehicle insurance premium calculator will let you know about the individual premium for each policy. This is also a great way to get the best car insurance policy in hand.

It is almost impossible to guess the premium you require paying towards insurance policy. Hence, most insurance companies have come up with a convenient technique to assist their consumers in calculating vehicle insurance premium. They offer vehicle insurance premium calculator online. The basic purpose of this tool is to assist the potential customer calculate the premium he/she requires paying towards the policy. The calculator is widely available online and will calculate the premium for consumers based on a set of information they provide to the company. Here is a list of some important things that an insurance premium calculator will require from you:

Details of Car: The insurance premium calculator will require information related to your car including its make, manufacturer, year of manufacture, present condition, model type, etc. You may require informing about the total cost of your car.

Registration Date: The vehicle insurance calculator will also enquire you about the registration date of the car. This information is available on your car Registration Copy or RC.

Policy Start Date: This is another important detail to be provided to benefit from premium calculator. The premium amount is usually calculated on the basis of annual rate.




Article source : http://www.articlesbase.com/insurance-articles/vehicle-insurance-premium-calculator-ideal-tool-to-save-money-and-get-the-best-car-insurance-4790102.html

5 great ways for funding your small business

It is well-known to small business owners that funding, which is one of the most crucial things, can be one of the biggest challenges to face. From acquiring startup capital to adequate funds to expand the business, there is lot to be taken care of. 

Below mentioned are a few ways that can help procure funding for small businesses:

Small business loans

If you are looking for a way to acquire sufficient amount of money to fund your business, small business loans can provide you with the same at comparatively low rate of interest. They serve as one of the economical ways to attain funding. However, if you make up your mind to go with this option, ensure to seek help from a community lender or credit union rather than nationwide bank since the chances of approval of your application are more with them.

Advance orders

If you already have a base of customers, along with clear value proposition, opting for pre-sale or advance orders can be suitable option for you. In addition to providing working capital, it can efficiently validate your business idea better than any other market research strategy. 

Crowdfunding platforms

There are many platforms that allow you to approach masses and request funding. To work with them, make a pitch, post it on the platform so that individuals can contribute towards your fund raising goal. However, the drawback of these platforms is high transaction costs that can range from 5% to 10% of total amount raised. 

Personal bank account


The easiest form of funding to procure is your existing money. A large number of business owners secure part of business funding from their wallet. After all, it is one of the common places to begin with the venture. Available options include personal savings, money acquired from credit cards, insurance policies and home equity. 

Grants

When it comes to dealing with funds management business, nothing can be better than grant. Money acquired from the same can be put towards your startup. Finding and zeroing on to a grant is a bit challenging, but you will certainly not find any until you make sufficient efforts. It is viable to know that grants are available on the basis of business theme, such as grants for women, minority business owners, single mothers and more. Prior to landing a grant, know your options and requirements. 

If you are a business, looking forward to funding, we at Proactive CFOs can guide you on fund raising Sydney. Holding significant experience in financing, we can help you raise funds for a new business or an already established one.




Article source : http://www.articlesbase.com/personal-finance-articles/5-great-ways-for-funding-your-small-business-7338243.html

Startup Business Ideas and Tips

When it comes to startup business ideas, the one most people seem to be interested in today is franchising, and that's hardly surprising since a franchise can turn in profits quickly. But there's always the question of the startup cost. Yes, a franchise can make you money, but at what initial cost? Well, this guide can help you out.

HR Block

The leader in tax preparation, HR Block offers one of the best low cost franchise opportunities for operators. The royalty fee is 30% but there's no up-front franchise charge, and the total investment cost is around $35,000 maximum. In addition, there is in-house financing for payroll, inventory and equipment available.

Subway

Subway is one of the most popular franchises in the world, and it's become a hit in many small towns because it is affordable. Unlike other fast food restaurants, the cost of a Subway franchise will just be around $84,000, and you don't need to pile up on fryers, grills and other equipment like other restaurants require you to. Another nice fact is Subway doesn't require a lot of space so zoning won't be an issue.

Jazzercise

With more and more Americans becoming health conscious, Jazzercise has become one of the more attractive options for those looking for low cost franchises. A franchisee can run the franchise from home and there's zero dollar liquidity and net worth to boot. The total franchise fee can be as low as $500 to $1,000, and your total investment is around $3,000 so it's a good investment with minimal risk involved.

Comfort Keepers

Comfort Keepers is a non-medical in-home care service, with the investment around $60,000. The biggest part of the fee is the $38,500 franchise cost. The fee is higher than the others on this list, and the prospective franchisee needs to have at least $57,000 in liquid assets and $200,000 net worth. While the requirements may be steeper compared to others, the chances of turning in a profit are high as the number of Baby Boomers needing help and care continue to grow.

ServiceMaster Clean

ServiceMaster Clean specializes in commercial and retail cleaning services as well as disaster cleanup and restoring. A franchise can be as low as $48,000, and in many cases you only need about three workers per location, so it's cheaper. In addition, you can run the business from home and financing is readily available.

Finally there's 7-11, the ubiquitous convenience store. There's $0 cash liquidity requirement, and you can get financing as well. The cost of franchising can be as low as $30,000, but it could be more expensive depending on the setup. Royalties also vary so you need to check around first before making a commitment to buy the franchise.





Article source : http://www.articlesbase.com/business-ideas-articles/startup-business-ideas-and-tips-7151585.html

Make A Platform Bed - More Space In Your Bedroom

Bedrooms form the core of the house. Everyone wants to decorate the bedroom very elegantly and nicely so that it looks beautiful and cool. The bed is the center of attraction, but sometimes the small size and lack of space of a bedroom makes it look cluttered and untidy. In this situation platform beds are the best option one can go for.

A platform bed is a bed which consists of a mattress placed on a solid platform raised off the floor by legs or framing. The space below the platform bed can be utilized for storage purposes. Platform beds do not have springs.

Types of platform bed:

One can select a platform bed from the two varieties available.

* The wooden platform bed - Wooden platform beds are usually made from oak wood or maple wood. They offer warmth as well as beauty to any type of bedroom decor. They are available in many different sizes like full size, king or queen size, and twin size. Though they are usually designed to support a mattress, they can be changed and customized for use with box springs. Altering the height of the headboard and lowering the size of the slate board allows for this. The wooden platform bed is generally given a Danish oil finish.

* The metal platform bed - Metal platform beds come in many varieties from the contemporary metal platform bed to the traditional ones and they are all available in a variety of colors. The beds have predrilled holes to allow for the adjustment to the height of the bed.


* Special quality steel is used for more strength and durability of the bed. To avoid stripping and over tightening of the bolts a special Allen key is used. Steel cross bars sheets of Masonite are used for support at the side railing.

* DIY beds, from plans and instructions available on the internet

Advantages of platform beds:

1. You can make a platform bed yourself from readily available plans found on the internet

2. They provide a better mattress support area since it does not have a box spring underneath.

3. It increases the storage space and makes the room looks clean and tidy.

4. These beds are very affordable.

5. Allergies to dust can be avoided, as dust does not get collected under the bed.

6. They are portable and comfortable.

To buy a platform bed:

There are many web sites and on line merchants from where you can buy a platform bed. These web sites offer the latest designs for platform beds at very reasonable prices.

They are available in a wide range of prices so its very easy to choose a bed that suits our budget. Alternatively you could make a platform bed, the plans are readily available on the internet.

Article source : http://www.articlesbase.com/advertising-articles/make-a-platform-bed-more-space-in-your-bedroom-36699.html

Invest in the Best Property in Chandigarh

Chandigarh is an  promising city on the five key parameters such as real estate, business development, etc. It has become a hub for the property builders and  developers across the country, Chandigarh is identified as the top ranking city for the potential real estate growth in the market with its rich infrastructure and business environment. The city is home to reasonable as well as mid-segment and high-segment  Property in Chandigarh or Flats near Chandigarh.  Regions like Zirakpur, Mohalli, Dera Bassi are witnessing a very high demand for housing facilities which in turn is helping to boost the prices of property there.

Here is the list of some hot locations which will  help you out in the buying new flats in Chandigarh.

 Zirakpur:

Zirakpur, located in the foothills of the Shivalik range is surrounded by Chandigarh, Panchkula and Mohali City from all sides. Zirakpur is witnessing rapid commercial and residential developments on the Ambala road with malls, hotels, housing projects and lots of other.  

 Zirakpur is going to witness its first destination where the whole family would love to come again and again, while everybody has their own option to relish.

Centrum by GBP is an inimitable mix of entertainment and shopping concept.  It is designed to maintain the highest percentage of repeated shoppers.  Centrum by GBP brings to you the building of 19 storeys in the region with serviced apartment and business suites for the perfect home away from home concept. It covers an expanse of 5.5 Lac sq. ft, the project houses retail, multi use studios, residential complex, offices, luxurious, 4 star hotel chain, world class restaurants, and discotheques Allrounder one roof.

  Mohali:

Mohali, earlier a part of the Rupnagar district has now developed into a separate district and comes under the jurisdiction of the Punjab state. Mohali is a part of the Chandigarh Tricity along with Panchkula and Chandigarh, with only the boundary of Punjab and Union Territory of Chandigarh dividing the area. Growth in the real estate sector has been spectacular in the recent years and is expected to be on the increasing graph in the coming years.

Derabassi

Derabassi are a municipal council in the Mohali district of Punjab. The town is on the Chandigarh- Delhi National Highway. The town is strategically located on the outskirts of Punjab, Haryana and Himachal Pradesh.

 The availability of space at reasonably priced in comparison to the up market areas of Chandigarh is another advantage fetching the attention of developers and investors.

 GBP Eco homes situated in sector 9, Derabassi. The project is spread over an area of 3 acres of land, 1 & 2 BHK independent floors and plots starting from 900 sq.ft. to 1008 sq.ft.

 GBP Rosewood Estate, is a perfect combination of modern day amenities with peaceful living and serene surroundings, the project is spread over a span of 31 acres.

Eco Greens give you a chance to explore the Grandeur of life. The project is spread over a sprawling expanse of an area of 12 acres, located in Derabassi.

Article source : http://www.articlesbase.com/real-estate-articles/invest-in-the-best-property-in-chandigarh-7423501.html

Money Transfer Tips and a $300 Money Transfer Fee Comparison

There are three main methods you can use to transfer money overseas. money orders, bank transfers and cash transfers. By far the most convenient way to transfer money these days is to do a cash transfer through a specialist money transfer company. These companies can quickly and efficiently transfer your money. Whilst it is probably advisable to transfer very large amounts of money via a bank transfer for security reasons the specialist money transfer companies are likely to be your most convenient option.

Here is an outline of how much it will cost you to transfer your money via the most well known money transfer companies. The fees shown are based on a $300 transfer from New York to the Philippines:

One of the leading companies in this field are undoubtedly Western Union. They boast a vast network of agent locations throughout over 200 countries with agents in 245,000 locations internationally and generate over $4 billion/year.

Western Union fee: $16

Next up are MoneyGram, they have more than 125,000 locations internationally. They are able to have your money transferred from abroad to directly into a US bank account and also to they can pay your utility bills too.

MoneyGram fee: $9.99

Thirdly is a fast expanding company called Xoom. This company offers very competitive fees and offers. Payments can be made with them via Paypal, from your debit card or any major credit card. The set-up procedure isn't immediate as in the case of other companies and currently they operate in only thirty countries. Check the following list to see if you are able to utilise their services:

Argentina, Australia, Bangladesh, Brazil, Bolivia, Canada, Colombia, Chile, Dominican Republic, Ecuador, El Salvador, Germany, Guatemala, Honduras, India, Jamaica, Mexico, Morocco, Nepal, Nicaragua, Panama, Paraguay, Philippines, Peru, Poland, Sri Lanka, United States, Uruguay, United Kingdom, and Vietnam.


Xoom fee: $14, however you can choose their value service for just $7.00. This service takes 4 days. They are also able to arrange for the cash to be physically taken to an address.

Other options include Paypal, however it can be quite difficult to actually get money from the Paypal account as an international user, make sure you know exactly how you are going to download the money to your local bank account before having money sent in this way. it can be impossible to access it in certain countries.

So, there we have a few of the main options outlined and here are a few extra tips for you to consider when making a money transfer:

1) Check and double check the exchange rate you are being given to make sure you are getting a fair deal. Compare the price online and in the national newspapers. This is where many people lose money!

2) Think ahead. It maybe that you can save money by performing a delayed transaction which is performed over a few days, such as the type of transfer Xoom offer detailed above.

3) Shop around. Nowadays there are so many companies offering this type of service that there are always promotions going on so you might aswell make use of them.

4) Look after yourself. Keep hold of all receipts and so on in case their is ever a problem that you need sorting out. The receipts are your proof that you made the transfer, if you don't keep them then good luck!

With the above points in mind you should be able to complete a convenient, hassle free and efficient money transfer without too many difficulties.

Article source:http://www.articlesbase.com/personal-finance-articles/money-transfer-tips-and-a-300-money-transfer-fee-comparison-409899.html

Senior life insurance policies

Senior life insurance policies

These senior life insurance policy coverage plan agreement situation studies are designed to illustrate some typical life agreement scenarios. They demonstrate some of the reasons and common circumstances involved in a mature insurance coverage agreement.

Whether someone participates in a senior life insurance policies coverage plan agreement to reduce expenses, eliminate debt, finance pension or estate planning purposes, the opportunity to sell one's insurance coverage plan can significantly impact a senior's life.

These situation studies are based on actual mature insurance coverage settlements research as reported by the Life Insurance Settlement Association.

Senior Life Insurance Policies Case Research #1

Replacing Multiple Insurance Guidelines with a Senior Insurance Settlement to Realize Big Savings:

An 80 season old, retired businessman held multiple life plans with a cumulative $5 thousand death benefit, costing $426,113 in annual rates. The annual rates were higher than those of other life plans offering the same death benefit. With a mature lifestyle insurance coverage plan agreement he was able to sell his existing policies for $950,000 and finance a new single $5 thousand plan. As a result he maintained his insurance coverage plan but reduced his total annual life insurance coverage plan rates to just over $300,000. Therefore a mature life insurance coverage plan agreement allowed him to save $125,312 in rates each season.

Senior Life Insurance Settlement Case Research #2

Preventing economical ruin with a Senior Insurance Settlement:

A 78 season old male had poverty and was unable to continue paying the rates for his $250,000 plan. He was at risk of foreclosure on his home and had mounting bills. Unexpected health issues not covered by Medicare contributed to increasing debt. After lending money to a family member he found himself in dire straits financially. His life insurance coverage plan rates were increasing and he was preparing to let the plan lapse. A friend suggested mature life insurance coverage plan settlements as an alternative to surrendering the cover nothing. After consulting a economical adviser he sold the cover $70,000 in a mature lifestyle agreement. As a result of the mature life insurance coverage plan agreement he was able to keep his home and pay off his bills.

Senior Life Insurance Settlement Case Research #3

Creating Financial Security & Peace of Mind with a Senior Insurance Settlement:

A 76 male owned a $2.5 thousand Universal Life Survivorship plan with $55,544 in cash value. His wife and co insured had already died. The rates were too expensive for the man to continue paying and he considered surrendering the plan to the plan provider for the $55,544 in cash value. A mature lifestyle agreement was suggested by his insurance coverage provider and he was subsequently referred to a mature life insurance coverage plan agreement specialist. The man ultimately sold the cover $785,000 in his mature lifestyle agreement and said the transaction had changed his life.

Senior Life Insurance Policies Case Research #4

Funding Less Expensive Replacement Life Insurance Coverage with Senior Insurance Settlement:

An 83 season old woman was paying $42,321 annually for a $1 thousand Universal Life plan that she owned. She needed to reduce her expenses in order to maintain the total well being in her golden years. She identified her life insurance coverage plan rates as an area that she could cut costs, but wanted to remain insured. She sold her existing plan in a mature lifestyle agreement for $310,000. Then she used the mature life insurance coverage plan agreement proceeds to purchase a new $1 thousand plan with much lower rates.

Senior Life Insurance Policies Case Research #5

Enabling a Comfortable Retirement with $1.1 Million Senior Insurance Settlement:

A 73 season old entrepreneur was unsuccessful in selling his business for an amount that he deemed sufficient to invest in his pension needs. As is common with many businesses, his business owned a $5 thousand key man plan on him.

Article source : http://www.articlesbase.com/insurance-articles/senior-life-insurance-policies-6560604.html

Help with Home Insurance

A home insurance policy should protect your abode from potential threats and will cover the cost of any goods stolen or damaged. Having a comprehensive home insurance policy in place is an essential part of everyday living so make sure you shop around to find the best deal for your individual requirements.

The internet is a common place to search for, and compare, home insurance policies from different providers. Invest a little time into finding the perfect policy and remember to evaluate like for like in order to get an accurate comparison.

A sound home insurance policy should cover the contents of your home against loss or damage, flooding, fires, earthquakes and vandalism. Some insurance policies will even provide cover for accidental damage to TV, audio, video, PC equipment and professionally installed satellite equipment fixed to your home.

You may also want to look out for a policy which covers contents outside but within your homes boundary. This is particularly useful if you store bicycles or children’s buggies outside your home.

Remember that a home contents insurance policy will cover your personal belongings contained within your building whereas buildings insurance generally covers the building and related fittings and fixtures.

When considering the level of cover you need, a buildings insurance policy should cover the cost of completely rebuilding your home, including building costs, architect, surveyor and legal fees and any other associated costs. To find out the value of rebuilding your home check the valuation report or survey that would have been completed when you took out your mortgage.

When thinking about the level of home contents insurance that you need you should include all your possessions and take into consideration how much it would cost to replace them today.


Prevention is of course always better than cure so do all you can to keep your home safe from potential problems. Being aware of the most common reasons behind home insurance claims in the United Kingdom can help you to safeguard your own living quarters against these costly culprits.

If you want the saying ’safe as houses’ to ring true for your own abode then do your best to avoid the three most common reasons for claims on . Theft, fire and wind/flood damage are three of the most common reasons behind home insurance claims so it makes sense to take extra precautions when it comes to these areas.

Window and door locks as well as burglar alarms will help to deter potential burglars. In terms of fire you should safeguard your home by fitting a smoke alarm, which helps to minimise damage to your house if a fire were to start and may even save your life.

Mother Nature is a force more difficult to predict but if you live in an area likely to flood then investigate any extra precautions you can take. Storm damage can be minimised by trimming back any trees that grow close to your house.





Article source : http://www.articlesbase.com/insurance-articles/help-with-home-insurance-1532348.html

Get Right Home Insurance Policy and Keep Your Home Safe

Whatever may be the market price of a home, homes are invaluable to the owners. That is because, homes are not made of only walls and beams, but also they are combination of love and dreams. Such a construction, which is made of savings of lifetime, needs to be protected with a home insurance policy.

A home insurance policy can safeguard your home from all natural calamities, other perils and loss or damage to building and contents within it due to theft or burglary. When you will opt for a home insurance policy, you can get option to choose from various plans. Whatever may be your choice, to insure only the building or only contents or both building and contents, you have option.
Key benefits that you may acquire from a home insurance policy

The fact is undeniable that a home insurance policy is a must have thing for the home owners, so that it can protect the home from any undesirable circumstance. Now, it is matter of thinking that how much benefitted the insured person will be.

    You can get comprehensive coverage from such an insurance policy for your building structure as well as for the contents, jewelry and valuables in the house.

    If any mishap like loss or damage of your valuable assets takes place within the insured home, you will get compensation amount from the insurer.

    If you are willing to get your home insured within affordable premium amount. You can compare the premium rates in respect of benefits and features offered by different plans available in market.

    In case of serious damage of building, these insurers arrange for staying of the family members during rebuilding process.

Get tips for having the right home insurance policy

The first and foremost thing to ponder prior to selecting a particular home insurance plan is to evaluate the risk factors that your house can face in future days. When your assessment will complete, you can choose the right option for insuring your home, which can provide coverage for your needful things. Along with considering this factor, you can also check whether your chosen insurance plan is affordable for you or not. If you want to get a policy within your budget, you have to compare quotes by different insurers.

A good company can be judged by the reviews of customers. Through this, you can get a clear idea about the claim settlement procedure of the insurance company. The financial status of particular insurance provider is also a matter of consideration. Before selecting a company, you should make sure that they have an efficient team to provide proper customer support.

Article source : http://www.articlesbase.com/insurance-articles/get-right-home-insurance-policy-and-keep-your-home-safe-7389210.html

Concert Insurance Mistakes That You Should Avoid

If you play at concerts or organize them, you would be aware of the effort it takes to stage a concert. From promoting the event to managing it successfully there are challenges at every stage of these events. Where there are challenges, there are risks and as a professional you need to prepare for them that come with such events. Concert insurance is your perfect safety net protecting you from all risks associated with these events. These insurance plans have been designed to meet the needs of musicians and event organizers. However choosing a concert insurance plan can be tricky and here are some mistakes that you must avoid.

Ignoring Research on the Insurer
Insurance industry wouldn't top the chart when we look at it from the prism of ethics. There are a number of companies that merely mint money from their clients and deny them the compensation and coverage when need arises. Hence you need to be extremely careful in choosing an insurance company to buy insurance for your concert or musical instruments. Do take a look at the ratings they enjoy among their customers and read reviews about them. This would help you choose a professional company that covers your needs.

Ignoring Event Liability Insurance
There are a hundred things that can go wrong during an event and this can lead to physical injuries and damage to property. If the insurance plan doesn't offer you liability coverage it is of little good and doesn't protect your interests. We regularly come across news of injury to fans due to violence or accidents and in such cases you will have to deal with third-party claims if you don't opt for event liability insurance. Quite same is the case with damage to property and the top venues would simply not allow a musician or a group to perform without this coverage.

Leaving It To The Mercy of Fate
Another major mistake that many performers as well as organizers make is leaving the event to the mercy of fate. Weather often causes disasters at music events and affects ones that are staged open air. Also the performer may fall ill or there may be another unforeseen thing that can lead to cancellation of the event. So leaving the event to the mercy of fate is one of the costliest mistakes that you would be making. You need to buy an insurance plan that offers you weather coverage and also covers cancellation of the event.

Not Looking Elsewhere
If you had bought a concert insurance plan in the past and were satisfied with the insurer, you would be going to the same insurer, right? Wrong. While the insurer may have offered you the best plan at the best price in the past, not looking elsewhere may be a costly mistake. The music insurance industry is dynamic and there is intense competition among the insurer and not looking elsewhere may deny you of the best plan for your needs.

These are the mistakes that you should avoid at any cost while buying concert insurance or any other kind of insurance plan for your needs.

Article Source : http://www.articlesbase.com/insurance-articles/concert-insurance-mistakes-that-you-should-avoid-7373091.html

Why the home is to be secured with an insurance coverage?

People tend to have auto insurance, life insurance and even contemplate of going for medical and health insurance. But, what about home insurance? This is one particular aspect that majority of the home owners in the country do not think about much. They are of the opinion that the home once constructed is a safe place to live in and can provide them with life-long shelter. Being made of bricks and cement, there is no need to bother about taking insurance for the home. However, the trouble is when disaster strikes untold, when the person realizes that proper and valid house insurance is likely to help him retain his formidable shelter for life.

Why it is essential?

According to the experts, the house insurance is an absolute must for every home owner. The reason is because, natural calamities may occur at any point of time and the severity of the damage of the house may depend upon the intensity and the geographical conditions. If the house is located in an area of high seismic activity, then there are dangers of earthquakes from which the house could collapse.  If it is near the banks of a river, then there are chances of the house getting inundated. Again if it is near the coastal areas, the dangers of tsunami always lurks. Damage to the house can also be man-made like a speeding truck or a vehicle hitting the walls of the house and damaging one portion of it. Also, it can be that another house in the adjacent having weaker structure and base could possibly cause leading to the damage of the other house. There are myriad of possibilities which one needs to be aware about.

Speaking with a qualified and experienced representative of any insurance company can help the person to know more about the ways and means by which the house can be at danger and the need for protecting it. The house can provide the entire family with shelter, only if it stays protected with a proper insurance. Neglecting it may mean, there are chances of the family having to go without a shelter in case, unfortunate incidences of any type occur without saying.

Complete coverage against financial liabilities arising from the damage/loss of your home and/or its contents due to natural or man-made reasonsThoughtful additional covers including Burglary and Theft Cover, Earthquake Cover, etc. for specialized protection.

Article source : http://www.articlesbase.com/finance-articles/why-the-home-is-to-be-secured-with-an-insurance-coverage-7403627.html

Few Tips To But Homeowners Insurance Leads

The lead generation market is constantly developing with the increasingly developing new lead generation models and innovative tools. Homeowners insurance leads are mostly quite hard to reach to. It would be a waste of time if you try to get  leads from your own. And it may also happen sometimes, when the sales leads you receive couldn't lead you to the potential clients. More preferable is to purchase them from reputable sources. Do a proper research on the companies selling these leads, just to be sure that the leads you are buying will be useful.

Before picking a homeowners insurance sales leads company, focus on what type of data they will provide you. You will have to research carefully to ensure that you are not wasting your time and money. Few tips here might help you to pick a good company that can sell you good homeowners insurance sales leads. Research will always be an important aspect of buying good leads. The good home insurance leads include the originality, information about the sales lead in detail and a high amount of research.

Pick the best company selling home insurance sales leads that did a good research. There are many random companies generating home insurance leads. But such leads might be of no use for you. So check the company's website and stick with the companies that have all the sources to provide updated leads to people that actually need homeowners insurance.


Pick the home insurance sales leads company that offers you the original leads. Getting leads with e-mails or phone calls from your as well as several other companies is not an easy job, as every company doesn't offer executive homeowners insurance sales leads. So, be sure that the company you are picking does that. This causes to ignore all marketing efforts from every company.

Pick the home insurance sales leads company that can offer correct information in each lead. It is quite easy to follow the correctly detailed leads. The homeowners insurance leads with the potential customer's full name, and contact details helps to contact the person easily and quickly.

Before buying the leads, take advantage of those companies that can provide you a few numbers of costless leads before signing up. This can help you to decide whether you want to work with the company in the future or not, and also can allow you to get more familiar with the company.

Buying home insurance sales leads is one of the good ways to increase sales. Buying leads from insurance sales company is a struggle, but what you do with these leads is like a rubber meets the road.

Source Article : http://www.articlesbase.com/insurance-articles/few-tips-to-but-homeowners-insurance-leads-7393151.html

The Home insurance for your aged home

The Home Insurance for aged homes

These days, no matter when or where you purchase a house, thehome insuranceis a required part of ownership to convert the house into your home. Especially, when you are purchasing an older home where the materials of construction are not up to the mark of modern standards, you have to make certain modifications in your home to get an appropriate home insurance policy.

These modifications and upgrades are required in essential components like electrical, mechanical, drainage and heating systems of the house. The below-described features require repair or replacement so that your home insurance premiums are stable with best coverage in the policy.
The Plumbing system

In initial time almost before 1980, the plumbing system was build up of galvanized steel that lasts up to 30years and afterwards gets corroded causing some serious issues in water system. The home insurance provider may require a repair or replacement for your house galvanized steel plumbing system.
The electrical system

The electrical system of 60-amp used for 50-60years needs an upgrade to 100-amp electrical system in old homes before establishing the home insurance policy.

Along with this the Knob/tube, electrical wiring also has a risk of exposure as well as no ground wire is available in this system. Therefore, some home insurance provider may not issue an insurance policy under this electrical system. However, the certification from electrical experts can help you to resolve this issue in home insurance process.
The oil tanks and burning stoves

These are minor commodities of your home but can cause major disasters, therefore, the old oil tanks need to be replaced because they have a high risk to environmental hazardous condition and your wood burning stoves should possess a safety certification from technician to have a control over the risk of fire in the house. These conditions are major under any home insurance policy that as a smart customer you have to consider as a priority.

Getting an old age home can be satisfying but challenging as well because the home will surely need your attention, care and finance for its maintenance and life extension. As a customer, you need to be smart enough for getting a home insurance policy for your aged home especially in above described situations. The customer needs to develop skills to manipulate and satisfy the home insurance makers for getting best coverage in sensible premium rates.

Article source : http://www.articlesbase.com/accessories-articles/the-home-insurance-for-your-aged-home-7396753.html

Home Insurance- Inclusions and Exclusions

Your Home' is the most prized possession you have, not only in terms of money, but also because it cocoons you and your family from the outside world. Would you not want that the place that havens you and your family should be protected well?

Here, we are not just talking about using fancy security systems or hiring security guards, to think that your house is protected entirely against threats but a financial protection against unforeseen risks. Home insurance can be a fairly comprehensive option to cover your house (structure) and its contents against various threats like fire and its perils, natural calamities and a few man-made calamities as well. The contents of your house could also be insured against burglary and theft, or mechanical breakdown.

There are things that a home insurance policy covers; and others that it does not.

THINGS COVERED:

*      Fire & allied Perils – protects you against fire and its associated perils that might happen due to:

o            Natural calamities, such as fire, lightning, earthquake, landslide, rockslide, flood, inundation, storm, tempest, typhoon, hurricane, tornado, or cyclone.

o            Man-made calamities, such as domestic gas explosions, overflow and bursting of water tank or pipes, damage caused by aircrafts, riots, strikes, malicious or terrorist acts.

*      Burglary & housebreaking - provides for damage to your house and the financial loss you suffer due to burglary. You can also get cover against damage caused by falling trees, electric poles or lampposts, collapsing aerials or satellite dishes, as well as damage caused by civic authorities while fighting fire.

*      Jewelry & valuables - cover against accident or misfortune anywhere in India for valuable items, such as jewelry, gold, silver, and other precious metal items, watches, clocks, photographic equipment, video cameras, telescopes, microscopes, music instruments, and sports equipment.

*      Plate glass - provides cover for breakage of fixed glass and sanitary fittings, including cost of frame, painting etc.

*      Breakdown of domestic appliances - Provides cover for damage to domestic appliances, such as refrigerators, washing machines, air-conditioners that might occur due to accidental electrical or mechanical breakdown.

*      Breakdown of electronic equipment - Provides cover for loss or damage to electronic equipment by accident or misfortune.

*      Pedal cycle - provides cover for loss or damage to your pedal cycle against accident (including fire and its allied perils), burglary, and third party legal liability for accidental injury, death, or property damage.


*      Baggage - provides cover for loss or damage of any baggage belonging to you and your family due to accidents while travelling anywhere in India/world. However, it excludes money securities, gold and silver ornaments, travel tickets, cheques, share certificates, and consumable goods.

*      Personal Accident - protects you and your family members against accidents and violence, leading to bodily injury, disablement (permanent or temporary), or death. Some companies also provide for the educational expenses for a maximum of two dependent children.

*      Public Liability Risk and Workmen's Compensation Risk - Protects against liability to the general public and your employee for accidental death, bodily injury, or property damage.

Most of the insurance companies make it mandatory for one to purchase at least two to five sections of the householders' insurance policy - along with the Fire and Allied Perils section being compulsory.

THINGS NOT COVERED:

*      Deliberate destruction of property

*      Loss or damage caused by war, wear and tear, atmospheric conditions etc.

*      Losses if home has been unoccupied for more than 30 days (but few insurer do provide cover)

*      Loss of cash, bullion, painting, works of art, and antiques

*      Loss to the structure and/or contents of home due to acts of terrorism. (can be covered as an add-on)

What is covered and what is not is can also depend upon the kind of product and the company that you choose for your home insurance. To give you maximum cover against all odds, you could add on riders to your basic home insurance product (at an additional cost) that includes options varying across:

*      Terrorism cover

*      Debris removal cost

*      Costs incurred to comply with building regulations following damage

*      Professional fees towards architects, surveyors, etc. for superintending a building during rebuilding

*      Cost related to movement of contents of your home to a temporary residence

*      Loss of rent (for landlord)

*      Personal Accident Cover

A home insurance policy usually has tenure of one year and has to typically be renewed every year. Home insurance is a product that helps you secure most of your valuables and helps you replace them in case of unforeseen events and calamities.


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