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Compare house insurance online

Article by David Thomson
























When it comes to getting the best deal on home insurance, as with anything, shopping around is the best option. However when it comes to house insurance it can be hard to decipher through the technical jargon, so letting the specialist compare house insurance online on your behalf is the easiest and fastest way to get the best deal possible.

Comparing home insurance online has many benefits besides being quick and easy, by going online with a specialist website you are able to get a good insight into house insurance as it is can be very complex. The specialist site will offer all the information you could possibly want and are on hand to answer any questions that they haven’t thought about and given as facts on their site. Along with this they can find you the cheapest quotes which then will allow you to compare what they find so that you will always get the best deal and cheapest premiums available.

House insurance can vary greatly from insurer to insurer not only in the cost of the premiums but also in the terms and conditions. However, all quotes that a specialist website will find for you will be from top insurers in the UK and along with the quotes the key facts regarding the policy should be given too. It is essential that you do take the time to read the key facts as these are the terms and conditions of the policy and here is where you will find how much the cover will be per month and also if there are any additional costs to the cover.

When you compare house insurance online it is just as important that you check the small print along with getting the cheapest deal and also be aware that the quotes that are given when you first apply are only a rough guide and depending on your circumstances the price can go up slightly.

About the Author

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to providing their clients with the best insurance deal on their home insurance, car and life insurance.












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Landlords buildings insurance cover: what’s the difference?

Article by Eliot Blundell
























Whatever type of property you may own, you are likely to be aware of the importance of insuring it. If you have bought a particular dwelling to let, however, you may want to remind yourself of the importance of arranging specific landlords buildings insurance cover.

What’s the difference?

When assessing the risk of loss or damage they are prepared to underwrite, insurers typically make a careful distinction between properties that are to be occupied by their owners and those that are to be occupied by tenants.

Typically, the latter are considered to pose a greater risk than the former.

Although you may be familiar with the importance of arranging home buildings and contents insurance for your own, owner-occupied home, therefore, you may need to consider the need to seek a let property insurance quote specifically to ensure the adequate protection of property that you own as a landord.

The cover

Landlords buildings insurance cover is typically designed to protect the very fabric and structure of your property against such risks as fire, flooding, smoke damage, impacts from vehicles or falling debris, and vandalism. To this extent, the risks covered may be very similar to standard home buildings insurance.

Just as with many standard home buildings insurance policies, you may also wish to check whether your landlords buildings insurance cover also extends protection against the risk of subsidence (since not all policies do as a matter of course).

Specifically for landlords

With respect to the particular risks associated with let property, you might wish to consider whether your chosen policy affords protection against malicious damage by your tenants. Some policies include such protection as a standard feature, others do not, and still others include it as a feature of selected policies only.

Similar considerations might also apply to the risk of accidental damage to your building – some policies might automatically include it as a standard feature, others might not, but still others may offer you the choice of such on selected policies.

The worst case scenario

Typically, buildings insurance is designed to protect the property owner against the worst case scenario – a catastrophic event that leads to such a total loss of the building that it needs to be entirely rebuilt. The same is true for such cover for let property.

When seeking landlords buildings insurance cover, therefore, you may wish to keep in mind a total insured value that represents not the current market value of your property, but the estimated cost of a complete rebuild in the event of its total loss.

About the Author

Eliot Blundell is Director at specialist CIA landlords provider, CIA who provide a wide range of let property insurance solutions including cover for all tenant types, unoccupied property insurance and landlords rent guarantee insurance












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Fast-Growing Internet Firm and Major Insurance Company Partner to Offer Florida Residents Lower Home Insurance Rates

Fast-Growing Internet Firm and Major Insurance Company Partner to Offer Florida Residents Lower Home Insurance Rates











Clinton Township, MI (Vocus) June 12, 2009

With the crisis in the Florida Property Insurance market looming and just 10 days into hurricane season, leading comparison shopping site RateElert.com has added Ark Royal and ASI Underwriters to its growing network of insurance providers to help Florida Homeowners shop for and compare Home Insurance Rates with a click of a mouse.

Experts agree the best way to save money on Home Insurance is to shop around for the best deal. However, for most Florida property owners this task is not as easy as it seems. With State Farm’s announcement to discontinue insuring homes in Florida and plans to cancel the home insurance coverage for over 1,500,000 policyholders, residents are now faced with a tough challenge unlike any other part of the country.

“Not all the time it’s about finding the cheapest rate for Florida residents, sometimes we are happy to just find a company willing to insure them period. Adding Ark Royal and ASI Underwriters to the RateElert platfom will offer our users another opportunity to find the best rate,” said Brian Hannigan, spokesman for RateElert.com.

By completing a simple no-obligation form on RateElert.com with information about their home, Florida property owners will be matched in real-time with up to 5 different insurance companies who can provide them coverage at affordable rates in less than 10 minutes. This time saving application saves consumers from having to call over 20 different carriers just to find if they will insure their home and at what rate.

Some Florida insurance companies only do business in certain parts of the state, so utilizing a free matching service like RateElert will help residents cut through the red tape in finding the lowest Home Insurance rate possible in their local area.

At a time of rising prices and economic uncertainty, many consumers are looking for innovative ways to hold on to their cash. Since its launch into the state of Florida last month, RateElert.com has reported matching over 4,900 residents with affordable home insurance providers and expects that number to reach over 50,000 by year end.

About RateElert.com:

RateElert is a consumer insurance shopping site that combines the power of the internet and wireless technology to match consumers with local insurance agents. By offering a complete menu of insurance products, RateElert is fast becoming the preferred website for North American Households shopping for insurance.

About Ark Royal and ASI Underwriters:

Ark Royal is managed by ASI Underwriters, a proven insurance group offering policies through independent agents in states across the country. The company has provided Florida property insurance since 1998 and is known for financial stability in turbulent times. In fact, ASI registered the lowest ratio of complaints with the state of Florida to overall hurricane claims during the difficult 2004 season. Today, the company is rated as A-/Excellent and stable by AM Best.

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