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Know About Second Home Insurance

Article by Franchis Adam









A home insurance quote is investment for your home future. Most of times, people don’t take home insurance. Various misshaping or disasters can cost a lot to home owner. There is only one way to avoid all this cost is home insurance. Home insurance insures the person that their house will be rebuilt without any cost if any damage or accident occurs. It is a contract between the home insurance company and the person for a span of time specified in the home insurance agreement. Payment is paid as premium for your insurance plan. This insurance premium depends on various factors like if you did not had claimed so much claims then your insurance amount can be reeducated and you can get a large rebate.

Some people have more than one house. They use it like a holiday destination or as a farm house to spend some quality time. They think that it is not necessary for them to have insurance for their second home. But second home is the bigger investment than primary house. It may not be so much necessary as first one but is important because of extra investment that you have done in that home.

Second home insurance has different terms and conditions and have different insurance policies available for them. Second home insurance is used against loss of benefit. Sometimes you weren’t able to pay the amount of insurance premium because of finical problems or cuts in your income then second home insurance can make you benefit. If you buy both primary and secondary insurance together then you can also get rebate with advantages of second home insurance. So always buy both insurance form same agent.

There are many other ways to get cheap home insurances. There are various factors on which this insurance premium amount depends. If your house size is large then insurance premium cost will also increase. Different companies have different rates for home insurance plans. So always try to select best one and cheap insurance company that can provide you all coverage’s in low price than other company and have a good customer response. Safety equipments installed in your home can cut insurance premium amounts. So always install safety and security equipments like fire extinguisher, alarms, cameras etc. This will make your home safe and cut insurance premium cost. Try to maintain to good and clean record until a big damage is not caused. Don’t claim for small insurance amounts. This will fill your record and your insurance premium amount can increase.



About the Author

Get instant insurance rates from multiple carriers online. Free comparison for cheap auto, low cost health insurance, affordable home insurance quotes. We are dedicated to helping consumers find the most affordable and competitive home insurance on the web.










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LV= Discovers Wealthy Young Brits Make Easy Target for Thieves

LV= Discovers Wealthy Young Brits Make Easy Target for Thieves










Croydon, London (PRWEB) June 19, 2010

Research from LV= Streetwise has revealed that many young brits are making themselves easy targets for thieves as 92% of 13-15 year olds carry a mobile phone on them whilst out and about with their friends, 74% carry cash and 42% leave the house with an iPod.

The clothes and gadgets carried by the average young teen on Britain’s streets are worth £246*, singling them out as targets for thieves, while 21% of 5-8 year olds carry a mobile phone** and 17% carry cash when they’re out and about with friends.

Many young people carry valuable items like a mobile phone because their parents want to keep them safe. Among 5-15 year olds, as many as 62% said their parents ask them to keep a mobile phone with them. But mums’ and dads’ attempts to protect their children when they’re out on their own may be inadvertently increasing the risk of theft, as 11-16 years olds make up a third of all mugging victims***.

Furthermore, by focusing their concerns on outside threats such as stranger danger, parents could be blinkered with regard to their children’s safety knowledge in and around the home. The LV= (http://www.lv.com/ ) Streetwise research shows that 38% of 5-15 year olds would not know how to leave the house safely in the event of a fire, and 15% don’t feel they are able to cross the road safely.

The LV= Streetwise (http://www.lv.com/aboutus/community/Streetwise ) research findings also reveal parental confusion over when it’s right to give their children more independence. 49% of parents**** said they are so unsure about what is the right age to allow certain freedoms to their kids, that they make up the rules as they go along.

Mike Rogers, LV= group chief executive, said: “Helping to steer your children safely through the world around them is one of the biggest challenges for parents today. While most parents will warn their children to be careful when carrying around cash and expensive gadgets, they may not pay the same attention to the safety risks in and around the home.

“Our purpose as an insurer is to protect people’s lives and possessions, so naturally we also feel strongly about helping to educate families about safety and risk prevention. As a founder member of the LV= Streetwise charity we have a long-term commitment to child safety, and the message is going nationwide this summer as our safety bus roadshow visits summer fairs across the UK, to educate youngsters about safety.”

The research findings come as the LV= Streetwise safety bus roadshow (http://www.lv.com/aboutus/community/safety_bus ) continues to tour the UK, helping to educate children about safety in the home, on the road and at railway crossings.

Note to editors:

All research, unless stated otherwise, was undertaken by ICM research via online method. ICM is a member of the British Polling Council and abides by its rules.

*Opinium Research used online poll of 161 parents of 13-15 year olds between 30th April and 4th May 2010.

** Research undertaken 23rd March – 7th April 2010 amongst 1000 children aged 5-15 by ICM Research via online method.

*** Statistics compiled from a series of Freedom of Information Act requests to individual police forces about robberies by Conservative youth spokesman, Justine Greening MP.

**** Research undertaken by ICM Research 19-28 March 2010 via an online survey involving 6099 adults,1505 of whom were parents of children under the age of 18.

About LV=

LV= is a registered trade mark of Liverpool Victoria Friendly Society Limited (LVFS) and a trading style of the Liverpool Victoria group of companies. LV= employs around 4,000 people, serves over 3.8m customers and members, and manages around £9.3bn on their behalf.

LV= was a founder member of the charity LV= Streetwise and is still the main sponsor.

LV= offer a range of insurance products including house contents insurance (http://www.lv.com/insurance/home_insurance/tips_advice/house-contents-insurance ), buildings insurance (http://www.lv.com/insurance/home_insurance/tips_advice/buildingsinsurance ), motor insurance, life insurance, pet insurance and 50 plus life cover.

For further information, please contact:

Emma Banks

LV=

69 Park Lane

Croydon

CR9 1BG

0208 256 6714

http://www.lv.com

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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







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Home and Business Property Insurance Claim Help – Dealing With Your Insurance Company

Article by Adam Woodrow









Any time you have property damage to your residence, you have to go through your Insurance Company to recover money for your losses and to rebuild what was lost. If you are like a large sum of property owners, you walked away with a check from your insrance company with barely enough funds to cover half of the work that has to be done to get your home back in shape.

This happens because of a couple of reasons. The first reason this happens is because of the nature of the Insurance Industry. They are in business to make money. They also hire their own Insurance Adjusters to estimate the amount of property damage you have to your home and how much it will cost to fix it. Since the Insurance Adjuster in this case works for the insurance company, you have nobody that is evaluating the damage with your thoughts in mind.

The second reason that Insurance Companies underpay their property owners is simply because the average property owner doesn’t know any better. They see the insurance company and their Adjuster doing work, and when they come up with a payment number, it is automatically accepted that this is how much they should be paid for the damage.

A little known fact, is that all property owners can choose their own contractors and get multiple bids on conductng repairs to their home. You do not have to take the lowest estimate of the bunch. The lowst estimate could mean the work will also be the lowest quality. You, as a property owner, have the option of selecting the contractor with the highest estimate if you choose, and that is what the insurance company has to go by.

The problem with this option is that the average property owner doesn’t know how to go about this process. It can be very tedious, overwhelming, and plain confusing. The good news is that you can get an Insurance Adjuster that works striclty for the policy holder and has only your interests at heart. This type of Adjuster is referred to as Public Adjuster. A Public Aduster’s responsiblity is to work with and for the policy holder and to get every penny they deserve out of the insurance company. Property damage claims that are handled by a Public Adjuster include fire, wind, water, flood, hurricane, theft and many others.

In many states, a property damage claim can be reopened up to five years after it was claimed. If you feel that you were underpaid by your insurance company on a past insurance claim, a Certified Public Adjuster can help you recover those extra funds.



About the Author

Adam Woodrow is a Homeowner and Webmaster for www.USALoss.com. Public Adjusters helping homeowners collect on underpaid insurance claims. Half of homeowners are underpaid and don’t even know it.










Learn about the various types of insurance business owners should consider when operating in the District of Columbia. To watch the entire Insurance for Small Business (7/18/07) seminar please visit www.wdcep.com.

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New Associate in Claims?Personal Auto Track The Institutes Announce new Track for the AIC Designation

New Associate in Claims—Personal Auto Track The Institutes Announce new Track for the AIC Designation















Malvern, PA (Vocus/PRWEB) April 05, 2011

The Institutes have developed the new Associate in Claims (AIC)—Personal Auto Track to help insurance professionals learn how to efficiently and effectively navigate through the ever-changing landscape of auto liability claims throughout the entire loss adjustment process. This track will improve employee effectiveness, enhance the ability to handle coverage disputes, help mitigate costly lawsuits, and reduce time and costs associated with personal auto claims.

To earn AIC following the Personal Auto Track, insurance professionals must complete:

    INS 21—Property and Liability Insurance Principles
    AIC 33—Claim Handling Principles and Practices
    AIC 38—Personal Auto Insurance and the Management of Bodily Injury Claims
    AIC 39—Auto Liability Claims Practices
    Ethics 311—Ethical Guidelines for Insurance Professionals or Ethics 312—Ethics and the CPCU Code of Professional Conduct

“Completion of the AIC—Personal Auto Track will benefit the public, the insurer and the claims person,” said Donna J. Popow, JD, CPCU, AIC, senior director of knowledge resources and ethics counsel for The Institutes. “This education will help the student provide more effective and efficient claim resolution. Better claim handling improves customer satisfaction, customer retention and the insurer’s bottom line.”

The Institutes recommend the AIC—Personal Auto Track for in-house claim adjusters, field claim adjusters, insurance litigators, senior customer service representatives, agency principals, and third-party administrators. For more information, visit The Institutes’ Web site at http://www.TheInstitutes.org/AIC.

About The Institutes

The Institutes are the leader in delivering proven knowledge solutions that drive powerful business results for the risk management and property-casualty insurance industry.

The Institutes’ knowledge solutions include the CPCU designation program; associate designation programs in areas such as claims, risk management, underwriting, and reinsurance; introductory and foundation programs; online courses; research; custom solutions; assessment tools; and continuing education (CE) courses for licensed insurance professionals and adjusters through its CEU.com business unit.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.