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Homeowners Policy: Why You Should Review It Annually

smartiz — Fri, 19 Jun 2009 14:20:41 +0000

Most Homeowners insurance companies will simply send out a reminder for a renewal of your home insurance policy when the end of the year is up for your insurance coverage. Many will also automatically renew your policy unless you call and let them know that you want to change or cancel that policy. This makes it easy for many homeowners to simply begin sending in the next set of payments for another year without reviewing the policy to make sure it adequately reflects their needs for the year.

Whether you have upgraded or remodeled the home, added a deck onto the back, turned the home into a rental property or realized that you may have problems with flooding in your area, there are several reasons to review your home insurance policy every year to assess whether the coverage still meets your needs.

Even if you have just begun a new home insurance coverage policy, it is important to review the policy as soon as you receive it to make sure the policy has the correct coverage amounts and coverage needs you have asked for. Remember that this policy will be in place for an entire year and will most likely cost between $300-$2000 so be sure that you are getting what you want.

If you asked for personal liability of others in the amount of $100,000 and the policy only shows $50,000 donâ€™t be afraid to call the insurance agent back to have this problem corrected. The problem can simply be solved by issuing a new policy or a policy change.

Once the year time period has expired on your current policy and you are getting ready to renew again, it is always a safe bet to call the insurance agent and ask if the replacement cost value has gone up on your home or on anything in your home.

Remember that the financial market continues to increase and with this rates of building and replacement tools will go up, so there is no shame in calling to ask if the figures on your policy need to be changed.

If you have done any renovation of the home in the last year, such as replacing countertops or flooring, or even adding on a deck, it is important to inform the insurance company of these changes. This protects you from being underinsured in case of damage or loss.

If you have acquired any major purchases of personal property, it is also important to contact the insurance company about changing the coverage amount on your interior belongings. This could include major electronics equipment like an LCD television, a personal computer or laptop, an expensive piece of jewelry or fur coat, or even new furniture or a new piece of artwork.

It is also important to review your insurance coverage policy every year to determine if you have adequate peril coverage and liability insurance. Although some basic plans cover certain types of natural disaster and others cover personal liability, you may want to consider adding on specific insurance clauses for flooding, hurricanes, or tornados if you live in a high risk area.

If you started a plan out with little or no hurricane insurance but realized that the previous year brought major hurricanes to your area, then you may want to reconsider the amount of coverage. As well, some policies do not require homeowners to have personal liability insurance but this is a good idea if you are planning on having others in your home quite often.

This could include construction workers who are remodeling a kitchen or bathroom or even a babysitter or housekeeper. You will also want to change your policy if your children are starting to get older and invite over friends to play in the yard or to spend the night. Personal liability insurance will cover any accidents that happen while others are in your home.

One final reason to review your insurance policy each year is to assess discounts or possible price quote deductions that you may be able to receive. When you purchased the home it may not have had a security system installed, fire sprinklers or been equipped with up to date smoke and carbon monoxide detectors.

But if you have installed this equipment over the past year, it is a good idea to call and inform the insurance company to see if you this makes you eligible for a discount. You may also be able to receive a discount if you started receiving car insurance from the same company, turned a certain age, or began a membership to a certain club or organization that the insurance company recognizes and gives discounts to on a regular basis.

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You Are Omnipotent…

smartiz — Fri, 12 Jun 2009 04:15:31 +0000

Almost omnipotent. If we are that flawless, then we would be God right? *Blashemy* Then again God sometime makes mistakes too right?So no one is perfect right? *quipped* (Just kidding God) Ok…this post is a reminder to all of us that we have the potential and opportunity to be whatever we want. Do you know what this post is noted for? Huh? Huh? Do you know? Well…from this post you can “go” anywhere you want to. This post can be the springboard to your future. You can start here and begin to move forward anywhere you want. In order words we are like the stem cell which could evolve into almost everything…

Eli Whitney was laughed at when he showed his cotton gin.
Edison had to install his electric light F.O.C in an office building before anyone would even look at it.
The first sewing machine was smashed to pieces by a Boston mob.
People scoffed at the idea of railroads.
People thought that traveling 30 miles an hour (in an automobile) would stop the circulation of the blood.
Morse had to plead before ten Congress before they would even look at his telegraph.
All six of the above scenarios showed that nothing can stop them. Yet for all these men the sky was not the limit. We achieve in proportion to what we attempt. However, more people are persuaded into believing in nothing than into believing too much. Want to know the brutal truth? You are never as far from the answer you seek as it first appears. It is just next to you. All you have to do is preserve and seek…

Each and everyone of us has the flair and opportunity for success. It takes just as much effort to lead unproductive life as it does an effective life, and it always costs more not to do what’s right than to do it. Still, millions lead aimless lives in cages or prisons of their own making-simply because they haven’t decided how to invest. They shakled themselves. Where there is no vision, the people perish! It’s not the absense of of material belongings that makes us unhappy-its the absense of vision.

We can easily predict a person’s future judging by his or her awareness of his or her destiny. Life’s heaviest burden is to have nothing to carry. The impact of anyone of us is determined by the cause for which we live and the price we are willing to fork out. Remember: do not take lightly our dreams and hopes. Cherish and treasure them, for they are like the children birthed within you. A man without principle never draws much interest. It’s better to die for something than it is to live for nothing right?

No wind will blow in favour of a ship without a destination. A person without a goal is like a ship without a rudder. It is not the man with a motive but the man with a purpose who prevails eventually. It’s time to seriously navigate you ship right? God plants no yearning in our soul that He does not hve a plan to satisfy.

A lot of us no longer hope for the best; we simply just hope to avoid the worst. Too many of us have heard opportunity knocking at our door, but by the time we hesitated…unhooked the chain, pushed back the bolt, turned 2 locks, and shut off the security alarm…it was gone. GONE! People generally have too much opinions and only a few convictions!

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