Guide To Home Insurance

Guide to Home InsuranceYou can get home insurance in many ways. As the rates vary from company to company discounts also vary. Before buying the insurance and at the time of buying insurance there are lot of things to keep in mind. The below guide will help you know about home insurance.

  • Take as many quotes as possible before buying the insurance policy. There are many companies which provide you with good coverages and best rates. With the help of insurance agents and insurance company representatives, you can clear your doubts regarding the policy.
  • You can pay the premium amount in different ways. The method would be paying the amount in one shot or in advance. If the payment is done in one shot, you will usually get a discount.
  • Document your household inventory. You should have records of all the things that is in your home if something like flood, fire or any other disaster takes place. Always keep the documents in water and fire protected place and keep a copy of the document in bank or at friend’s place who is trust worthy.
  • Keep reviewing your coverages and check the new rates once in a year. Several things keep changing every year and this could make a great difference to the yearly rate. See to that you intimate your insurance agent about the changes in your lifestyle.
  • Insurance companies look forward for those homes which have more security system. Make sure that you have proper safety protection. Install fire alarms, water sprinkler devices. Though it might take lot of money to install, later it will reduce your insurance rates.
  • If your area is prone to floods or if you are staying in an area close to water you need to purchase flood insurance.
  • Check out the company records through the state department of insurance for better understanding about the company. Also checkout the company financial status.

Insurance Coverage You May Need

Insurance CoverageTo protect your home from any financial crisis due to destruction or damage by fire, hail, storm or be even theft or other perils listed under your policy, home insurance is necessary. Kansas home insurance policy will pay up to your policy limits to replace or repair your property. You need to be aware of what your policy covers and how you can benefit through it. Before buying a Kansas home insurance policy, check for its terms and conditions to avoid surprises. Ensure to read your policy carefully. Also know about the claim process and coverages included in your policy.

  • Wind and hail coverage: Most of the Kansas home insurance companies exclude certain losses which depends on your home location. However, you might ask for endorsement to include wind and hail damage provided you reside in such environment experiencing heavy wind and storms. Some companies only cover actual cash value of your home rather than replacement cost, depending completely over condition and age of your home.
  • Mold coverage:Mold remediation is not covered by most of the home insurance policies.If covered, then only up to a certain limit of replacement or repair of damaged property will be considered when caused by water loss. But there are few companies which offer coverage to accidental and sudden water leaks via endorsements. Check with your insurance agent before you decide on your policy.
  • Flood Insurance: Kansas incurs highest number of floods every year and damages caused by floods have hazardous effect. Flood damage is not covered by Kansas home insurance policies. In order to protect your home from this peril, you need to buy a separate policy called flood insurance from NFIP. National Flood Insurance Program helps you and your family to cover the risk due to floods.

Have Insurance Before You Dive

Dive with an InsurancePools are of great fun and fun! Swimming and watching  the children enjoying all around and  the water splashes, and to take rest in the cold water after a hectic day of work are incomparable summer pleasure. Here are a some tips to reassure you can get to know most about the pool.

  • It is a must to lock the entrance and to have a secure fencing around the deck and the pool area to avoid any access when there is no one to look after.
  • Always be sure that you have the equipments like life saving jackets, life preservers and a hook to rescue near the pool and also the emergency telephone numbers.
  • Make sure all the chemicals safety are stored side the pool area. Do follow all usage instructions and storage suggested by the manufacturer.
  • Don’t leave a children unattended near the pool or water area.
  • Make sure you look out for signs of tear and wear near the pool where pipes or other items would have moved into the liner.
  • For the pool above the ground, check for the rusting of metal or deterioration. They indicate areas where the pool could break or person can be injured.
  • Keep the pool seasonably prepped and well maintained. Be sure to reduce the water level and the pools are covered in winter months.
  • Safety is to get fix a audible pool alarm which alerts you if in case someone who is unattended falls  into the pool.
  • The barrier and the fence should be minimum 5 feet above. It should have no handholds or foot  that will help a young children to climb.
  • Fencing  gates must be self-latching and self-closing. The gates should be well maintained to latch and close easily. And make sure these latches are out of reach to children.
  • Ladders and steps should be locked and secured from the ground to the pool, or it has to be removed when your not using the pool.
  • Remove toys from in and around the pool. Toys are dangerous near the pool for children as they get the attention children to the pool.
  • Motor-driven covers easily  close and open over the pool. When this power safety cover is properly placed over the pool, they provide a high level of safety for children under 4 years old by avoiding their access to the water.

Dive Safe with Insurance

Take Safety MeasuresPools can always be of so much fun! Due it’s purpose, swimming, playing, relaxing beside after a busy day, splashing water around and seeing your kids be part of this fun are some of the delights specially during summer. Here are a few tips to ensure you can get the most out of your pool.

  • Maintain a secured fencing along with locked entrance and a deck area around the swimming pool to prevent any accidents. This compensates for inadequate supervision.
  • Ensure adequate equipments near the pool to secure one’s life such as rescue hooks, tubes and life preservers.
  • Keep any stored chemicals away from the pool. Read through usage and storage instructions which are recommended by manufacturers.
  • Do not leave a child alone or unattended near the pool or any water covered area.
  • Check for wear and tear signs, usually where pipes, hoses or other items are fixed.
  • For pools above ground, check for deterioration or rust of metals. This can hurt or injure a person.
  • Maintain a clean pool, prepped up seasonally. Keep the water level low and cover the pool in winters.
  • Install pool alarm which is highly audible in order to alert you or the neighbors if some one falls into the pool and is left unattended.
  • The barriers built should be of minimum 4 feet high with out any hand or foot holds which would provoke your child to climb for it.
  • A self-latching and self-closing fence is part of a better planned gate. A child should not easily reach out for the latch.
  • Ladders or steps leading you from ground level to the pool be locked and highly secured. When not used, it is better to remove.
  • A telephone on poolside listing all the emergency numbers in case of need
  • When not used, do not leave behind any toy beside or in the pool. Toys usually attract children.
  • A barrier running on motor can be set over the pool area. These motor driven barriers will automatically close and open providing a high level of safety over the pool. This also stops a child from nearing the water.

Hurricanes – Do Not Be Driven

Hurricanes - Are You Protected?Hurricanes, there are no other storms like them on earth. Hurricanes spiraling tropical storms which are giant with sustained winds of at least 75 mph. They form over a quick ocean waters normally starting as storms in the west coast of Africa and Caribbean. Hurricanes are tropical storms which are known as cyclones in Bay of Bengal and northern Indian Ocean, and in western Pacific Ocean as typhoons. As they move slowly westward, these are fueled by the quick waters of the tropics. The warm,moist air drift towards the center of the storm and spirals upward as they releases torrential rains. Hurricanes are tremendous heat engines that can generate energy on an amazing scale. They draw heat from moist ocean, warm, air and release the water vapor through condensation in thunderstorms.

Hurricanes – Preparation for Car

  • Gas up – This must be done even before the storm strikes at you. When its the time to evacuate no one wants to wait for along time or standing in rain for the tank to fill. Check for oil, water, tires, spare tires, etc before you evacuate and there are chances where u might get caught in traffic.
  • Shelter – Leave the garage as the space for the car and other loose items.
  • Pack – Try to sell the car as early as possible to a reasonable price, if you need to evacuate.
  • Paperwork – Always maintain and take the necessary documentation that u might need on your trip or to claim on your car.

Hurricanes – Preparation for Home

  • Carry ready cash- In the case of emergency when power goes off, the banks will not be opened and the ATM machines may not be working.
  • Utilities- If a huge storm on the way and evacuating with, water, gas and shut down the power. Try to switch off everything in a hurry.
  • Lights, Radio, batteries– Power is expected to go out at any point of time, so always carry a battery powered flashlights, radio,and plenty of batteries. Always carry the necessary tools together in case of any damage to your home.
  • Insurance – Check with your home insurance company for different coverages and deductibles. Do not wait until a hurricane is almost on it’s way then you will not be able to get any coverage.
  • Photographs – It is safe to have a photograph of all your high valuables – VCR, TV, computer, collectibles ,jewelry. And also get a picture of your car.

3 Things You Should Know Prior to Buying Texas Homeowners Insurance

basic home policy covers very lessBefore you purchase homeowners insurance for your Texas house, there are a few important things you should know about the coverage you are buying. Following are 3 things you should know prior to buying Texas homeowners insurance.

  1. Basic Policies – There are 3 basic types of Texas homeowners insurance policies that provide a standard level of coverage. They are HO-A, HO-B and HO-C. An HO-A policy provides the lowest level of coverage. It generally provides a limited cash value for loss and damage to your home and its contents. An HO-B policy is a step up and may provide replacement cost coverage for all forms of damage or loss except those specifically excluded in the policy. The HO-C policy provides even more complete coverage and are also the highest price of the 3 types of policies.
  2. Basic Coverage – Most Texas homeowners policies provide the following coverage. They cover losses caused by fire and lightning, smoke, explosion, theft, vandalism and malicious mischief, riot and civil commotion, aircraft and vehicles, windstorm, hurricane and hail (you may need a separate hurricane rider) and sudden and accidental water damage. Areas that generally are not covered include loss caused by flooding, earthquake, termites, insects, rats or mice, wind or hail damage to trees and shrubs, losses in a house that has been vacant for 60 days or longer, wear and tear or maintenance and water damage resulting from continuous and repeated seepage.
  3. Personal Property – When you buy a standard Texas homeowners policy, your personal possessions are generally covered up to 40% of the amount of the dwelling coverage. If you do not feel that is adequate, you can get higher coverage by paying a higher premium.

What Defines a Flood?

Flood Insurance for RescueFlood insurance is an important policy to consider having for your home. It provides protection for your home and personal belongings should your home be flooded. The question that arises about flood insurance is what defines a flood? Some people think that water damage from a drain or pipe would define a flood, but that danger is covered by an endorsed homeowner policy. A real flood can only be covered by insurance with a flood policy.

A flood is defined by the free dictionary 2011 as, “an overflowing of water onto land that is normally dry; an abundant flow or outpouring.” In other words, a flood is the rapid accumulation of rain water that affects several homes at the same time. As water rises, it gathers into a low-lying area and can cause severe damage to structures with which it comes into contact.

An example of what a flood looks like could be a river that suddenly overflows and causes damage to a home or structure near the banks. A flood is also water that cannot be absorbed by the ground fast enough, so it flows into the basement or ground floor and causes damage. Water that runs down a hill and brings part of the hill with it can also be classified as a flood. Usually a flood will affect several homes at the same time or it will affect several acres of land causing massive damage. A flood policy is designed specifically to handle and cover items and structures against the rapid accumulation of rain water.