Article by Bett Steinburg
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Ensure Your ?Man Cave? is Safe this Father?s Day with NRMA Insurance
Ensure Your ‘Man Cave’ is Safe this Father’s Day with NRMA Insurance
(PRWEB) September 02, 2011
With DIY and power tools a popular choice of gifts for Father’s Day, NRMA Insurance is reminding dads to make sure their new gifts are insured.
If a man’s home is his castle, the shed or garage is often the ‘man cave’ where he stores all types of things. An NRMA Home Contents Insurance survey* found the most common items found in NSW men’s sheds or garages are gardening equipment (84%), power tools and DIY tools (79%), bicycles (47%) and spare furniture (43%).The survey also reveals that more than half of men surveyed don’t have adequate insurance cover for the items they store in their garages, or aren’t sure of their level of cover.
NRMA Insurance spokesperson Mariana Cidade urged NSW residents to review their home contents insurance to ensure their items are covered, should the worst happen.
“Year on year, our claims data** shows that items like mountain bikes and sunglasses are popular with thieves, both in and outside the home. With the Portable Contents Option by NRMA Home Contents Insurance, both are covered as portable items, or items that you would take out of your home, and you do not have to individually list items under $ 10,000 to be covered.”
“NSW dads can take some simple precautions too, including always locking up their garages and marking their Drivers Licence number on the back of valuables like power tools.”
The top ten items stolen from NSW garages and sheds in 2010 were:
1. Mountain bicycles
2. Miscellaneous power/garden tools
3. Sunglasses
4. Walk-behind mowers
5. Drills and screwdrivers
6. Assorted sports/outdoor equipment
7. GPS units
8. Chainsaws
9. Trimmers/brushcutters
10. Miscellaneous hand tools and hardware
*Based on a Pure Profile Research survey of 500 NSW men in April 2011.
**Based on NRMA Home Contents Insurance claims data for the calendar year 2010.
To see if our Home Insurance is right for you, always read the Product Disclosure Statement from the product issuer, NRMA Insurance.
NRMA Insurance is a leading insurance provider, offering Home Insurance, Car Insurance, Motorcycle Insurance, Travel Insurance, Business Insurance, Boat Insurance, Health Insurance and Caravan Insurance, in NSW.
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Rental Properties Insurance Needs to Have Coverage for Loss of Earnings
Article by Matt Dhaliwal
Are you able to Save Money On Rental Properties Insurance by Not Acquiring Loss of Rent? A lot of people wrongly assume that they can lower their charges with rental properties insurance if they do not take coverage for loss of revenue. They may possibly indeed pay a bit bit much less, but the value of this coverage kind is enormous. It really is actually worth to pay some further pennies for ensuring your economic stability in situation you lose your rental income. When Is Rental Properties Insurance with Loss of Rent Coverage Required You may be relaxed understanding which you already have rental properties insurance and that what ever may well go incorrect is beneath cover. This may be correct, but in case you do not also have coverage for loss of income, you may find yourself in financial difficulty. Picture which you personal four condos in an apartment building. A fire takes place in a single of them due to the fact the tenants weren’t paying interest to what they had been cooking. The firemen arrive inside a matter of minutes, tenants usually are not hurt, but the fire needs to be ended. The result is the fact that the firemen use water for carrying out this and in addition to damage from fire, you will also have damage from water. You won’t be concerned an excessive amount of because insurance is going to pay for the repairs. This may well be genuine, but repairs are not made inside a blink of an eye. You will need time to locate contractors and to acquire constructing permits and you also depend on climate. Typically the repairs are going to take at the least two months. They’re able to even final half a year or more. Regrettably, tenants cannot reside in your condos anymore and also you will not obtain any cash until the creating is completed. You’ll need to find new tenants as well as even though the developing may look excellent, the six or much more months with out rental revenue may have been devastating for you. If you have to pay mortgage, the bank is not thinking about the truth that you just have lost your earnings. Getting coverage for loss of rent can avert this from taking place. In case something happens to your property, you may acquire your typical revenue from the insurance company until the repairs are carried out. This would be a great relief. How you can Really Save Income on Rental Properties Insurance You don’t must quit on correct coverage to be able to save funds on rental properties insurance. The premium that you need to pay is strongly connected with how risky your properties are. You’ll find insurance firms specialized in high danger properties. These may possibly offer you better rates than other people. However, ensure you go into company having a respected insurance business. You can even save money on rental properties insurance in the event you lower the danger connected along with your property. You can do this by installing security devices, smoke detectors; alarms, sprinkles, etc. Do not neglect the significance of fire escape locations. Small particulars can make massive variations with regards to insurance premiums. Also keep in mind that the more claims you file, the higher your premium will probably be. Don’t file claims for little issues that may be easily paid from the pocket. Ask your agent about more suggestions on lowering the cost of rental properties insurance.
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Home Insurance a Must for Both Home Owners and Landlords
Article by quoteme
Theres no arguing that every property owner needs to have some form of home insurance policy taken out on their residence, since (as Mother Nature has proven repeatedly) the weather in Ireland can switch from one extreme to another in the blink of an eye. As if the weather alone werent enough to keep home owners up at night worrying, theres always the possibility of losses due to theft and other criminal acts, or the risk of fire or flooding. Lets face it -theres a lot that can go wrong when you own a house. Having sufficient insurance coverage in place from a reputable insurance provider can go a long way to ensuring youre able to sleep at night, even when the news is telling you to have your brolly at the ready. While insurance is important for any homeowner or renter, it is absolutely vital for property owners who rely on their properties as a source of income by renting them out.
The type of insurance coverage property owners rely on is increasingly being found through Quoteme.ie, a Dundalk-based company that offers a huge variety of insurance products designed to ensure Ireland residents get affordable insurance for their homes, vehicles, and businesses. They also specialize in House for Let and Rented Property policies, and the Quoteme.ie staff of over 50 highly trained and qualified Insurance Specialists are always at the ready to answer any questions about property insurance that come their way through the Quoteme.ie Call Centre.
Quoteme.ie helps landlords and basic home owners alike find the best insurance coverage possible by acting as a broker that offers insurance packages and policies from 19 major insurers. Property owners and landlords alike can use the Quoteme.ie comparative quotation engine to quickly and easily find the best policy out there for their specific needs, whether its a basic home owners plan or something that covers loss of income -which is a must have for any landlord.The home coverage experts at Quoteme.ie can help landlords assess all the inclusions and exclusions in their rented property insurance policies, enabling them to get the best rates and coverage available to them.
With an insiders perspective of the home insurance needs of Irelands property owners, Quoteme.ie is an online insurance broker that puts customer service first. From an easy to navigate website to the fully staffed Call Centre, they are fully equipped to provide the coverage, competitive prices and friendly service that homeowners, renters and landlords can rely on, no matter how grey the skies may be.
About the Author
Jack Lennon is a landlord and real estate investor who owns rental properties in Dublin and Galway, all of which have rented home insurance policies in place. These policies protect his investments should there be any loss due to damage on any of his properties. Because of the recent rise in inclement weather across the country, he stresses that the home insurance ireland residents have selected for themselves should offer the maximum amount of coverage possible.