Compare Home Owner Insurance Quotes

If you're in the market for a home owner insurance policy, but are having a
difficult time choosing a home owner insurance company among the many that
have given you quotes, you're going to need to set aside some time to
thoroughly compare home owner insurance quotes you've been offered thus far.

Regardless of how you've found the home owner insurance companies from which
you're considering purchasing your home owner insurance policy (in person or
on the Internet), make sure the home owner insurance company has asked for
an inventory of your home. Home owner insurance companies want to know
exactly what it is they're insurance before they offer a quote. If you
accept a quote and purchase a home owner insurance policy from a company
that doesn't know what it's insuring, you may find yourself high and dry if
you ever need your home owner insurance policy, i.e., your home catches fire
or is burglarized.

Going along with the above, always read the fine print. After you've been
offered a home owner insurance quote, find out exactly what is covered, what
isn't, and what you may need to purchase additional coverage for. Some home
owner insurance companies may not cover everything in your home; some may. A
deciding factor for you will be whether or not you're willing to move your
valuable to another location (safety deposit box in a bank), or purchase
additional coverage. You may be offered a cheaper home owner insurance quote
if you decide to relocate your expensive valuables, or if you purchase
additional coverage; however, you must take into account the extra cost of
storing your things elsewhere, or the additional coverage.

In the end, always talk with a live person. Ask questions about what you
don't understand. If you don't feel comfortable with the answers or with any
of the home owner insurance quotes you've been offered thus far - don't
settle. Keep looking.

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The End of Unlimited Lifetime Benefits in New Long Term Care Insurance Policies

Prominent long term care insurance carrier Penn Treaty recently announced
that it will discontinue offering the "unlimited lifetime" benefit option on
all new policy forms as of 1/1/2007. Will other insurance companies follow
suit? We think so, as the industry adjusts to changes in the all-too-real
world of care and care giving.

With rising baby boomers life expectancies and broadening offerings in the
care delivery systems "unlimited lifetime"
benefits simply pose expanded and uncertain risk for insurers. This risk
naturally translates to pricing which places "unlimited lifetime" benefit
out of reach for the average consumer, so the insurers are opting to offer
benefits which are limited to a fixed number of years payout or a limited
"pool of money" payout.

This makes sense by insurance standards. Exposure to unlimited risk is not
prudent for most companies, although some carriers may still choose to offer
"unlimited lifetime" benefits to high net-worth clients.

Look for policies to focus more on 5-year, 4-year and 3-year benefits for
long term care. This fits the common care profile, and 5-years of benefits
would allow for transfer of assets under Medicaid guidelines set by the
Deficit Reduction Act of 2005, meaning an estate could be protected while
still qualifying for Medicaid after 5 years of "private pay" through the
insurance mechanism.

We expect more and more insurers to limit their exposure by eliminating
old-fashioned "unlimited lifetime" benefits.
This change affects newly purchased policies, not policies already in force,
and is yet another adjustment as this industry comes to grips with changes
in the world of long term care.

This comes on the heels of the initial round of industry adjustments
reflected in the waves of premium rate increases from 2001-2006 as insurers
corrected for the initial under pricing of policies sold in the 1990s, the
first decade these policies were offered. Considering the likelihood of
future claims due to the cold hard fact that nearly half the population will
need long term care, insurers have a duty to remain financially sound in
order to pay future long term care insurance claims. This just makes good
business sense.

Consumer choices are changing, surely, yet a need still remains, the need to
protect assets from the devastating costs of long term care by transferring
the huge risk of care to insurers though the insurance mechanism. It's
really pretty simple: The risk is very high, and so is the cost of care,
and there is simply no other vehicle than insurance coverage to protect your
savings and investments.

Internet users can arrange for free, comparative rate quotes from respected,
top-quality companies by searching online for "long term care insurance
buyers advocate".

----------------------------------------------------
Long term care insurance activist, Clay Cotton, writes for
http://www.PrepSmart.com - The Online Baby Boomers Decision Assistance
Center, where you get Free Long Term Care Insurance advice, comparative rate
quotes and personal guidance, all while safely at home in your favorite
pajamas and bunny slippers.

Get A Cheap Home Owner Insurance Quote

Home owner insurance is not always required. If you live in a home you own
out right, with no lenders or financers you probably are not required to
purchase a home owner's insurance policy. Therefore, you can avoid that
extra insurance bill every month. Good for you, right? Wrong.

Home owner's insurance may seem like just another monthly bill; however, if
you find yourself in a situation in which you've been robbed or your home
has suffered water damage, fire damage, or any kind of damage from weather
elements, those extra monthly insurance bills will suddenly seem like a wise
idea. And, if your neighbor comes knocking at your door one day, only to
fall down an icy stoop? Well, those extra monthly insurance bills will
suddenly seem like an even wiser idea.

So, how can you get a cheap home owner insurance quote to protect yourself
from tragedies and accidents? It's simple, really - you just need to know
how to cut corners; and I don't been in a Scrooge-like, penny pinching way.

First, make indoor home improvements. This means checking out your
electrical system, which could make your home a fire hazard, and plumbing
system, which could make your home susceptible to water damage. Consider
installing durable windows and sturdier locks. A safety alarm system isn't a
bad idea, either.

Next, make some outdoor home improvements. Fix any creaky steps, loose
stones or concrete in your walkway, loose shutters and shingles, and get rid
of any scrap metal you plan to build something with, but neighborhood kid
might want to use as a plaything.

Finally, store all of your very precious and irreplaceable valuables in a
safety deposit box in the bank. Period.

Making these safety changes will show home owner insurance companies you're
serious about keeping your home, your family, your valuables, and your
visitors safe, thus encouraging them to give you a cheap home owner
insurance quote.

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What Is Gap Insurance?

Before a person decided to purchase a new vehicle, they need to check with
their insurance company about gap insurance because it might already be
included in the auto premium. If is not, this will be something that you can
purchase for a decent cost.

There are some insurers that do not offer this type of insurance at all. If
this is the case, you should try to find a company that offers gap insurance
before you decide to purchase it through the dealer.

Gap insurance is the insurance that will pay for the difference between what
you would owe on an automobile and what the insurance company is going to
say it is worth. This insurance is a must for someone who may be considering
purchasing a new vehicle since a new vehicle will depreciate in value as
soon as it is moved from the dealer's lot. You will appreciate this
insurance if you are ever in an accident and still owe money on your car.

Usually gap insurance is built into a lease for any of the leased cars that
a consumer may decide to use. Do not just assume that it is. Make sure that
you are asking questions and finding out the information that you need to
make sure that you are covered incase that you are ever involved in an
accident.
You have to make sure that you are protected.

The premiums are usually low for gap insurance. This is not going to be
something that you are going to spend a lot of money on. For new purchases,
it can be automatically added into your monthly car payment. This is hardly
noticeable and it will allow you to have the protection that will make you
feel secure each time you decide to drive your car.

About The Author: Geoff Spencer is a staff writer at
http://insurance-gazette.com and is an occasional contributor to several
other websites, including http://www.onlinebusinessgazette.com.