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Home Insurance: Cheap Home Insurance – Household Quotes – Ho

Article by belle03









Take the hassle out of finding the right Home Insurance. Just complete one form and we’ll get back to you with quotes from up to 9 insurers – we make the process as quick and painless as possible.

Let us do the work and you can choose the deal that is right (and cheapest) for you.

What is Home Insurance?

“Home Insurance” covers the “building” itself and the “contents” within your house.

If your expensive camera gets stolen from your car, it’s your home insurance – not your car insurance that would cover the loss.

Insurance jargon can be confusing, but basically there are 3 types of Home insurance you need to know about:

Buildings Insurance: covers you for damage to the immovable objects on your property: house, walls, geysers and pipes.Household Contents: covers all the things in your house such as your household goods, including non-permanent fixtures and fittings like carpets and curtains, and your personal belongings including appliances; electronic items; clothing; jewellery etc.

Your portable possessions: covers your personal possessions when you wear them or take them out of the home with you – clothes, jewellery, sports equipment and cameras. Most items are covered up to a certain value (unspecified), while items like cameras and bicycles need to be specified.

Why do you need Home Insurance?

We all know the high rates of theft in South Africa. Home insurance gives you peace of mind knowing you can replace the things you have lost.

More importantly, home insurance can protect you from expensive and sometimes devastating accidents to your home.

For a relatively small amount each month these contingencies can be covered.

As with all types of insurance: don’t underinsure, don’t over insure and only get insurance that’s relevant to your needs.

Does everyone who owns a house need Buildings insurance?

Yes, if you home is bonded through a bank you are required by law to have Buildings insurance.



About the Author

Belle03 was born in Manila on October 3, 1988. She graduated from the Polytechnic University of the Philippines with a Bachelor degree in Broadcast Communication. For several years Belle03 worked as an English Teacher for Koreans in Ortigas, Pasig before getting another position as a secretary in a consultancy office in the same city. She started blogging after her graduation and is now working as a web content writer and an SEO specialist for various sites for local and international clients.










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House Insurance Quote

Article by lexoremman \m/









Whether you are a home owner or are renting the home you live in, house insurance should be considered a necessity rather than a luxury. Although it may seem like an expense that you may not feel you can afford, it can prove to be an immense money saver in the long run. The key is to make sure you are getting the best value for your money.

It is always best to get more than one house insurance quote so you can compare prices and policies. Since there is no one standard house insurance policy, it’s a good idea to decide what type of coverage you require. If you are renting then content insurance for the possessions in your home as well as personal liability insurance may be all that you need. Before you begin getting insurance quotes, it is recommended that you go through your home room by room and make a list of all your belongings making sure to include any items you may have in a garage or outdoor shed.

Placing a monetary value on all the items on your list is the next step in the process. Although getting replacement value rather than market value with your house insurance may cost slightly more it can end up saving you hundreds or thousands of dollars at a time when you can least afford extra expenditures. With market value the insurance company will only pay you the amount that the item is worth at the time of your claim. If for example you purchased a new bedroom set 10 years ago for ,000 it would certainly be worth considerably less if your were to sell it today. If however you have chosen replacement value, the insurance company would have to pay you the cost of replacing your bedroom set with a brand new comparable one, minus whatever your deductable amount is.

The deductable amount on your contents insurance policy is where you may be able to lower your insurance premiums. In most cases, the higher your deductable amount is the more savings you will realize on your policy. It is also an area where you should use some caution before deciding on what to set your deductable amount to. This dollar figure will be what is required by you to pay upfront before your house insurance company will reimburse you for any claim. So, although setting this amount at ,000 may save on your monthly premiums you need to make sure that you will be able to afford to pay it at the time of a claim.

You next step is to get as many house insurance quotes as possible which you can do quickly and easily by visiting one or more house insurance quote search engines right on your computer. By simply answering a few basic questions about your house insurance needs you can almost immediately receive a house insurance quote from several insurance companies and insurance brokers. Once you have narrowed down your search to several that look promising, it is recommended that you speak directly to an insurance agent who can give you more detailed information on the types of policies and payment plans they have that match your needs. When speaking to agents who have given you a house insurance quote make sure to discuss a personal liability option. If anyone visiting your home has an accident and sustains some type of injury, it could result in a large personal injury lawsuit. It is important to be financially protected in such a case.

Take a little time to do some initial research by getting more than one house insurance quote and speaking to several insurance agents. House insurance is an expense that could mean the difference between being financially devastated and being able to recover from such unexpected things like fire or burglary.



About the Author

Learn more about house insurance quotes by visiting our website.










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Cheap Home Insurance Quotes – How To Get The Best Rates

ezinearticles.com By spending a little time to find cheap home insurance quotes, you could save several hundred dollars a year. The goal is to find the best homeowners protection, at a price you can afford, with a trustworthy company. This video shows you how. ezinearticles.com

A video explaining how to get homeowners and home renters insurance quotes for FREE online. It’s really easy. The website in the video is: www.great-info-products.com
Video Rating: 0 / 5

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Everyone In Business Needs Commercial Business Insurance

Article by Tom Jones









As a business person you need to consider your insurance options carefully. Some people try to cut corners on costs by having low or zero insurance cover where laws may permit them to, but that is simply a bad move.

Let’s say that you moved to the States and happened to live in a state where automobile (car) insurance was not required by law. Wouldn’t you agree that it would still be wise to carry it anyway?

Commercial business insurance needs to be carried and it needs to be carried to the extent that your policy fully covers your needs. It doesn’t matter what business you’re in. You must have insurance protection to prevent disaster and tragedy.

For example, consider trade insurance. You may be a builder, an electrician, or a plumber. The fact of the matter is that you typically work all day long on the property of other people, property which you are mostly or completely unfamiliar with. It doesn’t take much explaining for you to be able to imagine that this is risky business for yourself and for those you are working for.

If you have employees they share in and contribute to that risk. Trade insurance covers the unforeseen bad experience. If you are the one at fault it means that just because someone in your business made a bad mistake it isn’t going to put you out of business.

What if you are in the motor trade business? You might be a body repair shop, service shop, motor dealer, or sole trader running a business out of his home. Regardless of which it is, you have business insurance to consider: it could be combined motor trade insurance, car dealer insurance, road risks cover, or vehicle sales insurance.

How about if you are in the factory, workshop, and warehouse business? There are many different types of commercial insurance for you to consider:

* Public liability insurance * Employers’ liability insurance (this is mandatory by law anyway)* Goods in transit * Products liability * Property insurance * Trade stock * Professional indemnity* Contract works hired in plant * Business interruption * Personal accident* Own plant business equipment cover

Perhaps you have the enjoyment of running a bar or pub. Well, all of that fun and enjoyment comes with great responsibility. Just think of the many risks that your pub or bar is exposed to every day: theft; property damage; spoiled or damaged stock; drunkards getting out of control and doing harm to employees or patrons. There are insurance policies specially designed to cover these peculiar risks of the pub or bar business. You don’t want to be without such cover.

Are you in the hospitality business? If so then what about hotel, bed and breakfast, or guest house insurance? You have different guests coming and going all the time. You have foodstuffs to worry over and standards of cleanliness to maintain. Accidental and malicious property damage are just part of the business.

So, once again, do not cut cost corners on your commercial business insurance for any reason. Especially when there is no good reason to do so.



About the Author

If you’re looking for a quote on business insurance visit Swinton.