Ways to Protect your Car Without a Garage

Extreme weather conditions like heavy winds, rain, hail, and snow can all cause significant damage to your vehicle when it isn’t protected with a garage. However, the following tips will help you offer your car the best protection available when you don’t have access to a garage.

Car Cover

One of the top ways to protect your vehicle without a garage is by getting a car cover or tarp. Car covers can either be custom-made for your specific car make and model or a they can be tarp-style cover that is simply a large piece of plastic to cover your vehicle. Either way, car covers will protect your vehicle from the elements, including rain, snow, and sleet. The paint, glass, and other elements of your vehicle’s exterior gets adequate protection with a car cover and it is relatively inexpensive.

Car Port

Where you park your automobile or truck also makes a big impact on itsprotection. When you’re not at home and have a choice between parking on the street or parking in a carport, choose the carport. This will protect your vehicle from harsh weather and winds that can cause damage. If you need to park outdoors, be sure to avoid parking underneath trees where sap can drip down and destroy your paint job. To avoid theft of your car and its contents, park in a well-lit areas. It’s also possible to purchase a steel carport when you don’t have a garage. These carports allow you to protect your vehicle in the winter months when harsh weather like snow and hail is prevalent.

Security Alarm

You also need to protect your vehicle from potential theft and vandalism. One of the best ways to do this is by installing a security alarm on your vehicle. It will deter thieves when they find out you have an alarm, which is often seen by a blinking red light in your dashboard. If a would-be thief attempts to steal your car, the alarm will sound, causing the perpetrator to abandon his mission to steal your vehicle.

Regular Wash and Wax

Another way of protecting your car’s paint job is by taking good care of your car’s exterior. Getting your car washed and waxed on a regular basis does more than improve its appearance. It also keeps dirt, grime, and foreign materials from sticking to the vehicle. A regular wax job provides a smooth surface where many things slide right off of it.

Steering Wheel Lock

If protecting your vehicle from theft is of high important when you don’t have a garage to park in, having additional security protection like a steering wheel lock is a great option. A steering wheel lock will literally lock your steering wheel in case someone breaks into your car and attempts to steal it. If a thief managed to get your car started, he won’t be able to drive it away because the steering wheel locks.

GPS Tracking Device

Lastly, you should consider installing a GPS tracking device on your vehicle. A GPS tracking device offers the ability to track the location of your car remotely, and in real time. If your other security measures were surpassed by a car thief, you can still track down its whereabouts — and with the help of local law enforcement, get your vehicle back.

Protecting your vehicle with proper car insurance is essential, but you should also take further steps to offering it the best protection available. Not only for protection from the elements, which can destroy and damage the exterior of your vehicle, but also to prevent theft when you don’t have access to a garage.

Tips to Avoiding a Home Burglary

For most Americans, there are few worse feelings of violation than coming home to find out your house has been burglarized. Even if your homeowner’s insurance covers loss due to theft, it cannot compensate for the difficult emotions and personal losses you may be subjected to. Fortunately there are some helpful tips for avoiding a home burglary altogether.

Outside of Your Home

Start by making your house less appealing to thieves. Most burglars prefer to break into homes that are not well lit and are hidden from passersby. To deter thieves, install plenty of lighting around your property — especially near doors and windows. If you have hedges, shrubs or trees in your yard, be sure to keep them well trimmed and manicured so they will not obstruct the view of your home to others passing by.

Inside Your House

Typically, thieves are not going to break into your home to steal your family photos and trinkets. Instead, they are usually after high-priced items that are easily resold for cash, such as large electronics, weapons and rare collectibles. To prevent theft, keep these items away from the view of the public. For example, if you purchase a top-of-the-line flat screen television, do not place it in front of a window, as this could be eye candy for burglars.

Security

To further protect your home from burglary, install a home security system. Monitored systems sound an alarm when a thief breaks glass or breaks open a door. Often, signs posted outside your home indicating the presence of an alarm system are enough to prevent thieves from breaking in, but if not, an ear-splitting alarm will be enough to wake neighbors and also dispatch police should a burglar enter your home. Furthermore, installing a monitored alarm system can significantly lower your homeowner’s insurance rates.

Renters Insurance: The Difference Between Actual Cash Value and Replacement Cost Policies

When comparing quotes for renters insurance, you need to know the difference between actual cash value and replacement cost policies. Although the two types of coverage will protect your belongings in the event of fire, theft or a natural disaster, there are distinct differences. Make sure to educate yourself about both types of plans before you choose one or the other. In addition to the cost of the policies, the amount of coverage will also need to be compared.

Actual cash value is the cheaper of the two types of protection. If you decide to purchase this type of insurance, it will pay you what your items are actually worth, or the actual cash value, at the time of the loss. This means, if you have a lot of older possessions, you will not be able to get much money when you make a claim. Probably not even enough to replace half of your items. On the other hand, if you choose replacement cost policies, you will be able to make a claim for what it will actually cost to replace the items you lost. If you own expensive electronics, game systems and high end appliances, this is probably the type of coverage you need.

Compare rates from several companies before choosing the renters insurance policy you need. Many times you can find an affordable replacement cost policy that does not cost much more than an actual cash value plan. If you ever find yourself in a situation where you need to make a claim, you will be glad that you went with more protection. No one wants to think about a disaster or theft affecting their home, but knowing you have great insurance will make the situation easier to handle.

Why Renter’s Need Insurance and How to Choose the Right Policy

If you are a renter at an apartment, condo, or private home, then you have probably been wondering whether renter’s need insurance, and if so how to choose the right policy. Renter’s need insurance, and determining the correct policy for your situation is very important. Keep reading to learn the essentials about renters insurance policies.

Why Renters Need Insurance

Statistics from the Insurance Information Institute in New York reveal that renters are twice as likely to be victims of theft as homeowners are. Unfortunately, less than half of renters actually have the policy that they need to protect their belongings. Renters need a policy not only to cover the danger of theft, but also one that provides personal liability coverage for those cases where someone gets injured while at your rental. Even the basic renters insurance policies cover both personal belongings and liability on premises. Many renters make the mistake of assuming that their landlord’s policy will cover their personal contents and liability, but it will not. It you want to be protected, you must get a renters insurance policy.

How To Choose The Right Policy

The right policy for you depends upon the contents that you have in your rental. It is important that you get a good general idea of the total value of your belongings. This can be an approximate value as long as you include everything in the home. You will need to choose either "Actual Cash Value" coverage, which replaces damaged or stolen goods while taking depreciation into consideration, or "Replacement Cost" coverage, which will reimburse you the amount of replacement for stolen items at the current cost. Generally, Replacement Cost will be around 10 percent more costly.

You will also need to choose either "Named Peril" which will explain exactly which risks are included (fire, hurricane damage, and theft for example) and will not include any non-specified risks, or "All Peril" which covers any and all situations in which damage or loss can occur unless they have been specifically excluded.

Regardless of the type of policy you choose, it is vital that you keep yourself protected by getting the renters insurance policy from your agent. This policy will allow you to truly relax and enjoy your home!

Will My Auto Insurance Pay for an Item Stolen Out of My Car?

My Auto Insurance Pay for an Item Stolen Out of My Car.Your auto insurance company will pay for damage done to your car and will also pay if your entire car is stolen, but what if a few important items were stolen from the car while in the parking lot of the mall or another public area? This is a common concern for many drivers because some cars hold items of especially high value that would be devastating to lose completely due to theft. This could include a top notch sound system, expensive electronics, multiple shopping bags, wallets, and so on.

Unfortunately, most insurance plans are not designed to cover the cost of stolen personal property in most circumstances. Your best bet is to avoid leaving valuable items in your car, or hiding them from view when you leave the car to prevent the appeal for theft. Additionally, make sure to always roll up the windows and lock your doors when leaving the car to prevent the likelihood of theft. If theft is an especially serious concern, you might want to consider installing a car alarm system to add extra security to your vehicle.

Although this isn’t the best news for drivers, you may still be in luck if you own a homeowners insurance policy. Most standard homeowner’s insurance policies will, in fact, cover almost all of your personal property. Your personal property would naturally include your car, boat, hotel room, and other places where you could be at risk for theft.

Although this is good news for most drivers, it’s important to weigh the pros and cons. The deductible for most homeowner’s insurance policies is relatively high, which means that you will want to take this cost into consideration with the cost you would have to pay to replace an item that was stolen out of your vehicle. If the cost for the deductible is significantly higher, it may be in your best interest to forego the homeowner’s insurance policy and practice cautionary measures on your own to prevent theft.

Is the Cheapest Type of Car Insurance Right for You?

Is the Cheapest Type of Car Insurance Right for You?Saving money on your insurance premiums is wise. Buying insufficient coverage just to save premium cost is not. Auto insurance coverage is not inexpensive and seems to consistently confuse shoppers. Those few remaining U.S. states that lack an insurance coverage requirement have financial standards that drivers must meet. Often, car owners need more financial assets than those who simply buy adequate insurance coverage in those states that accept no insurance protection.

However, if you are focused on obtaining the cheapest auto insurance available, you have some options. Understand that, in most U.S. states, insurance “follows the car.” Therefore, should you opt for the least expensive type of auto insurance, liability coverage, you may only be fully covered when you are driving your insured vehicle. Should you borrow a vehicle from a friend or family member and suffer an accident, the first line of defense will be the insurance (or lack thereof) on the borrowed car. Should you be deemed “at fault,” however, your personal liability coverage will probably be required to reimburse your friend’s company for paid claims.

The cheapest type of auto insurance coverage is liability. Do not misunderstand this statement, as liability insurance is not inherently “cheap.” Minimum state law typically requires, at least, liability coverage. Individual states determine he minimum limits each driver must carry. Common liability minimum coverages are in the $25,000 per person, $50,000 per accident (regardless of the number of injured persons involved), $10,000 property damage and around $10,000-$20,000 uninsured (or underinsured) motorist coverage.

Although the cheapest car insurance coverage, minimum liability policies are often insufficient for many drivers who have more valuable assets (homes, boats, bank accounts, etc.) to protect than the least expensive insurance can cover. Further, neglecting to purchase collision and comprehensive, e.g., theft, coverage will save you premium dollars. However, should your car suffer physical damage, broken windows or theft, costs to repair or replace your vehicle will come from your pocket and personal funds.

Liability-only coverage will be the cheapest coverage in all U.S. states. However, it may not protect you to the level you want or need. Yet, it will help. Something (liability insurance) is far better than nothing. Even if you seek the cheapest car insurance, shop via the Internet. Good options are often those independent agents with interactive websites that allow you to shop multiple companies and receive several quotes for identical protection.

Home Insurance Policy Review

Home  Insurance Policy reviewOne of the basic necessity required for everyone who stays in Arizona is getting their home insured. If you want to get best deals from your home insurance company, selecting the best policy and home insurance company is very important. To protect your personal property which includes valuables, furniture or theft no matter whether you are the tenant or the owner, you need to insure your home. Though your house is mortagaged, your lender expects your home to be insured.

If you have any confusion in reviewing your insurance, follow the points below to help yourself.

  • If you make any changes to the structure of the house, it would be better if you make changes in the dwelling coverge also.
  • To cover your assets like trampoline or swimming pool, increase your liability coverage.
  • Better opt for an additional endorsement coverage if you own precious items like furnitures, paintings and jewels.
  • You can be eligible for discounts if you have replaced old pipes to new ones and updated your old electrical system.
  • Take the help of your agents and check all the coverages, even if there are no changes in your personal belongings or home.

Points To Reduce Home Insurance Premium

  1. Getting your car and home insured with the same insurance company.
  2. By installing extinguishers and smoke detectors.
  3. By installing safety devices like alarms, sensor, dead-locks.
  4. See to that no one will smoke in your house.
  5. If the house is newly constructed, discounts will be available.
  6. Increase the deductible.
  7. To prevent any damage from ground water, install a sump and pump system.
  8. It is good to have a fence if you have swimming pool.
  9. If you do your payment in prior you can get discounts.

Knowing Your Home’s Value

Knowing your Home's ValueHome is a valuable asset. However this asset of yours is so vulnerable for disasters and destruction due to calamities. A tree from neighbor hood can fall on your roof or fence, a heavy wind can blow off the roof, a theft can occur, some person can be bitten by your pet, all such incidents are unforeseen. You cannot prevent few things but all you can do is take necessary precautions to face the consequences. In order to avoid any financial crisis, obtain a home insurance policy in Vermont. Many insurance companies in Vermont provide you the best deals on your policy to cover all or most of the perils in a convenient package. You will need to do a smart work in selecting the best coverage and hence choosing the right policy from right company for an affordable price.

Business and Home Insurance

If at all you own a business at home, advice would be to cover your business assets with your home insurance. Many a times, insurance policies do not cover business assets and it will not be easy to differentiate between your business and home coverages. Law will ask you to own an insurance but will not define it to you on how to spend those dollars and yet secure your home and business. You are the best judge when deciding what to choose and what not to include in your policy. Get educated on how your insurance works and make the best use of time and money.

There are plenty of Vermont home insurance companies out there in the market, competing with each other to provide the best policy to you. Obtaining a home insurance policy is being made easy by just submitting a quote. Analyze, discuss with an agent and then proceed in order to obtain reliable and flexible rates to secure your home.

Be Careful While Giving Out Personal Information

Beware of FraudsNew type of protection plans have been introduced in the insurance. Identity theft insurance is one among them. This is focused mainly on recovery of an individual, financially when their identity is lost or stolen by somebody. Many services such as credit monitoring gives credit history of a person and also alerts about sudden change in the credit history and it also gives you tips on  improving your credit score. Start reporting on your financial damages because this is one of the major step in the recovery process.

Be Aware of Fraud

As soon as your purse is stolen, immediately call the agency. After all is said and done about the stores, banks and many other business, download and fill the form for  recovery. Change the passwords as soon as possible before the thief uses it. Different accounts should have different password.

When the fraud alert is filed only one free copy of credit report is issued from each agency. All types of activities that has been filed under your name will be outlined by the credit reports for example anything related to crime or finance or medical issues. Information contained in the theft report will help you to investigate the fraud.
One can prevent identity theft by many ways. You can freeze your credit report for security reasons by putting a password before any business can check your credit report.

Keep a photocopy of everything which is necessary because if your purse is stolen you will know whom to call. Carry birth certificate, security card, credit cards and passport in your purse only when it is required. Don not carry unnecessarily. Avoid clicking any of the links which is referring to finance. There may be fraud and your personal information may be hacked. So be safe with your personal  information.

Expensive Car – Are You The Proud Owner?

Measures to AVoid Car TheftYou might own a fancy car and be a proud owner of it. You might also have owned a car insurance policy in order to secure your priced possession. But, have you taken the precautionary measures to avoid car theft in Texas. Whether you live in urban or higher crime areas, it has an impact on your risk of being a victim of auto theft. Though car theft is covered by the optional “comprehensive” coverage on your auto insurance policy, why be an easy prey?

Statistics say: Every 26.4 seconds a car is stolen in the United States. National Insurance Crime Bureau, reports that 1,192,809 vehicles were stolen. More than 700,000 vehicles are stolen and have not been found. They are assumed to be exported, tricked by owners as stolen, or ripped apart for resale in shops. Texas stands in second position amongst the top 10 states ranked by number of auto thefts.  Only 12.6 percent of thefts were cleared and the thief were arrested.

Stolen Vehicles

Vehicles are stolen for many reasons. Few are stolen and parts are stripped for resale. Other vehicles are stolen and sold by the crooks to another dealer. Vehicles are also stolen for robbery, joyriding, for committing many other offences, to support smuggling of drugs, drug habits, or to commit insurance fraud. Frequently stolen vehicles in Texas are Ford Pickup, GM Pickup, Dodge Pickup, Honda Civic, Honda Accord, Chevrolet pickup trucks and many more.

Precautionary Measures

In addition to having an auto insurance there are many other things you can do in order to avoid theft and protect your asset. These safety measures will not only shield your vehicle but also gain discounts on your car insurance policy.

  • Install safety devices such as alarms, window etching, brake locks, steering column collars etc.
  • Do not park your vehicle in dim lit areas and leave the key in the ignition.
  • Check if all the doors and windows are properly closed.
  • Use of tracking devices that warn you and emit signals to help the cops in tracing the vehicle.
  • Use of immobilizers such as kill switchers, starter, fuel disablers, smart keys,  ignition disablers and fuse cut offs.