Home Insurance for Every Home Type

Home Insurance for Home TypesAny financial loss occuring due to theft, fire, windstorms and other such perils listed under your policy needs home insurance to protect your home. In order to cover your home, it’s belongings and personal property, be a tenant, land lord or home owner needs a home insurance. Every person needs protection against liability, if any accidents occur, some one is injured or any property damage.

  • Homeowners: Shielding both home and personal property
  • Tenants: Protecting only your personal belongings and not the building.
  • Other parties: Protection against liability for injuries caused to people or accidents occurring within the property premises

The better the policy is designed with required coverages, less you will be paying out of your own pocket to cover the disasters. When your house is under mortgage then your lender might ask you to have more coverages than required. It is always better to check with your agent or the insurance company and then decide on coverages and amount required to cover your home, content and personal belongings.

How Much Coverage Do You Need?

  • Covering your property and belongings: To cover personal property, valuables and other belongings with better coverages without burning a hole in your pocket.
  • Self protection: Gives enough liability coverage to protect against legal actions resulting due to your negligence or other hazards that might occur on your property.
  • Lender requirements: Your mortgage lender will ask you to cover the house for replacement cost of dwelling or mortgage amount.
  • Policy requirements: The insurance company might impose coverage requirements for replacement cost of your house. Most of the plans will actually limit at 100% of replacement cost. However, few standard plans limit to 80% of it.

Give Room for Bicyclists

Give Room for BicyclistsA worst crash which ever happened between a car and a bicyclist occurred in U.S, since then both are at odds. When any car collides with the bicycle, the consequences of it is always worst for the bicycle rider. As per the records of National Highway Traffic Safety Administration, more than 750 cyclists were killed in road accidents and nearly 50,000 were injured badly in the year 2008. The accident rate was high majorly in urban areas usually in day time by evening. Sadly, most of the accidents occurred killed a child between age group of 10 to 15 years.

Safety Measures

Looking at the rate at which bicyclists accident was happening, Wisconsin state government rolled out few rules and regulations in order to avoid such incidents.

  • Maintain a distance of 3 foot between you and the bicyclist. Give them clearance.
  • When you take turns while driving, give yield to bicyclists the way you give it to a car.
  • Be very careful specially when driving by neighbor hoods or near by schools. Pave way for kids.
  • When moving your car from parking lot or while opening car doors, look behind for cyclists.
  • When you are driving behind a bicycle, slow down while taking turns at any intersection. Do not try to over take them. This might lead to a collision.

Measures to be Taken by Cyclists

  • Even the cyclists have to follow the same traffic rules as any vehicles. Ride in the same lane, check for signals, yield in a right way for other vehicles or bicycles and follow the traffic accordingly.
  • While cycling at night or in dark, wear reflectors or headlights. Ensure the headlights are clearly visible till certain distance for other vehicles nearing you.
  • Ride with a helmet.
  • Do always signal before you take turns.