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4 Things To Bear in mind When Renewing Your Home Contents And Home Buildings Insurance coverage

Article by Richard Schwartz









4 Things To Bear in mind When Renewing Your Dwelling Contents And Residence Buildings Insurance

Every year when our renewal notices come through the submit for our residence contents insurance and/or residence buildings insurance, most of us mechanically signal the shape and ship it again to the insurance coverage firm – after all, we already know the way much the premiums are going to be. Huge financial mistake, and listed here are four the explanation why:

Did You Buy Anything New In The Last Yr?

In the event you bought anything new within the last yr, say a new television or video recorder, then the worth of this new buy is not going to be included within the renewal notice you simply despatched off to the insurance coverage company. Likewise, when you bought something of worth over the past year, and haven’t informed the insurance coverage company, then you are paying dwelling contents insurance coverage for something you now not own. Both way, your not paying the correct quantity of insurance coverage premiums.

Did The Costs Keep Static?

When you’ve got home contents insurance then you’re insuring your private property for the alternative price of shopping for the identical thing new. Alternatively, part of your private home buildings insurance should cowl the cost of labour and materials. Now ask your self, would the cost of replacing the image hanging in your lounge be the same as we speak as it was last 12 months? If the reply is that it might value you more, robust luck, you’ll solely receives a commission out what you stated the cost of replacing it might be! The same could be mentioned of your pleasant builder, would he charge you a similar for an hour of his time and for his supplies right this moment as he would have carried out last year? If the answer right here isn’t any, then try to be expecting to pay him the difference.

Did The Value Of Your Home Keep The Same?

Similar to the above, with your own home buildings insurance you should be asking yourself whether or not or not the worth of your house stayed the identical this 12 months as it was final year? It is advisable be asking yourself this query even if you didn’t do any work to the house – similar to constructing an extension – that would naturally routinely add value to your home.

Is Your Home Any Safer In the present day?

Right here the query is, have you completed something to your home over the past year that would imply your property can be thought-about safer immediately than last 12 months? For example, did you add any deadlocks to your doors or windows? If so, then there’s a very good chance your house contents insurance premium could be reduced, as the safety in your house is a serious consideration in assessing your premium (along with the crime fee in your neighbourhood, so you may also wish to test and see if this has gone up or down also).

Remember that time stands nonetheless for no man. As such, it is advisable to read your own home contents insurance coverage and/or house buildings insurance renewal notices very carefully to make sure that they replicate, as precisely as possible, your life at the moment and not your lifetime of yester-year.



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Groninger Insurance Connects the Pennsylvania Community through Social Media

Groninger Insurance Connects the Pennsylvania Community through Social Media












Northumberland, PA (Vocus/PRWEB) January 06, 2011

Groninger Insurance has proudly launched an interactive social media strategy geared toward strengthening both business and personal bonds within their local community. With the unveiling of their personal blog – MoneySavingInsuranceTips.com – Jon and Jim Groninger hope to serve both the insurance and social needs of their neighbors.

The fresh new blog will allow members of the surrounding Pennsylvania community to conveniently access relevant insurance advice as well as local community happenings. From video clips and accompanying links, to personal greetings and insurance tips from both Jon and Jim, the new Groninger Insurance blog is bound to provide Pennsylvania residents with truly valuable information.

The blog will include access to content regarding both general and specific insurance requirements. Whether a resident is searching for comprehensive rental property insurance or information about a more distinctive Pennsylvania plan such as used auto dealer insurance or garage keepers liability, Groninger will use their expertise and knowledge to affectively address the needs of their community.

This revitalized approach to connecting with local consumers comes with Groninger’s mission to not only continue to serve their loyal customers but to expand their service for all of those in need of reliable coverage. Their revamped blog also comes with collaborative links to the agency’s various other social accounts, such as Facebook and LinkedIn, as well as allowing the visitor to grab a hold of some advanced insurance knowledge via the Groninger Insurance Newsletter. Current and potential customers can now receive in depth, community-centered insurance information right at their finger tips.

By appealing to the modern consumer, through the use of social media tactics, Groninger Insurance anticipates bringing a more modern feel to the way in which the agency engages with and markets to its surrounding community.

About Groninger Insurance: Groninger Insurance is based locally out of Northumberland, PA—proudly serving Erie and all of Pennsylvania’s insurance needs. Led by Jon and Jim Groninger, Groninger Insurance prides itself on its dedication to the local community and its customers, by offering expert insurance strategies for Auto, Home, Business and Life lines, which are sure to save clients valuable time and money. Additional policy and coverage information is available at http://www.groningerinsurance.com/

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SGIO Finds Worms and Compost at Home in Eco-Friendly Western Australia

SGIO Finds Worms and Compost at Home in Eco-Friendly Western Australia











Perth, Western Australia (PRWEB) July 9, 2009

Many Perth households are adopting greener lifestyles, although many barriers remain to developing greener homes according to new research from home insurance provider SGIO.

SGIO spokesperson Rob Cory said a lack of funds and physical space were the key impediments to adopting more eco-friendly lifestyles for many WA households.

“Two thirds of households cite affordability as the main impediment to installing a solar hot water system, although it’s encouraging to see that the majority of households have installed relatively inexpensive energy saving light bulbs in the past year,” he said.

“One in three (35 per cent) households also told us that a lack of space is preventing them from installing water saving devices such as a rainwater tank on their property.”

Nearly half of the 800 households (42 per cent) surveyed by SGIO Home Insurance in the metro area said they now have either an outdoor compost bin or worm farm on their property.

However, worm farms and compost bins clearly aren’t for everyone, with 44 per cent of people who don’t have one saying they wouldn’t consider putting one on their property.

The SGIO survey also revealed that:


    WA’s love of green lawns is still alive and well with 45 per cent of people admitting they wouldn’t consider switching to a water-wise native garden.
    Women are more eco-minded according with 90 per cent of women expressing concern with the state of the environment compared with 86 per cent of men.
    Over two thirds (67 per cent) of women surveyed also say they are doing more for the environment now than last year, compared with 54 per cent of men.

Mr Cory said SGIO was concerned about climate change and it was encouraging to see many people adopting lifestyles that could help reduce carbon emissions in WA.

“The impacts of weather and climate are at the heart of our business and we know that climate change will lead to more severe weather events in the future,” he said.

“More and more of us are aware of the benefits of greener homes, but there’s still some way to go before environmental practices become part of everyday life for most of us.”

Visit http://www.sgio.com.au/about-us/environment for information on off-setting our carbon emissions, choosing greener, safer cars and tips for greening up our homes.

Insurance Australia Limited ABN 11 000 016 722 trading as SGIO

For many insurance products a Product Disclosure Statement is available from SGIO which you should consider before making decisions about those products.

Insurance issued by Insurance Australia Limited trading as SGIO 46 Colin St, West Perth, Western Australia 6005 . sgio.com.au

About SGIO

SGIO is a provider of home contents insurance, car insurance and more in Western Australia.

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







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