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Home Owners Insurance May Cover Personal Loss Due to Theft
| You have purchased your home owners insurance and you feel safe that you have covered your home in case of fire, theft, or personal injury that may happen within your home. Did you know that your car insurance will not pay for the loss of personal property if you car was broken into and you loss your Lap Top or CD's or even your GPS. Yes there is a loss however you can call your home owner's insurance claim center and report the loss as part of your policy.
Read the fine print in your home owner's policy, there are clauses within the policy that directly relate to loss of property by theft. If you are a victim of an automobile theft, the car insurance will pay for the replacement or repairs, up to your own pre set deductible but it will not pay for the loss of unsecured items that are left in the car. Many of us have an IPOD, GPS, CD's or even carry our lap tops with us when we use our cars.
These items are expensive to replace. Before you call your home owner's insurance to make a claim make sure that you have your policy number, a police report, a list of items that were stolen, the approximate date of the items that were stolen, and the approximate oridinal value of the stolen items.
Your home owner's insurance company will need a comprehensive list and will make a payment to you at a depreciated value of your items. This way at least you will be getting something back to help you replace the lost items.
To learn more about how you can save money on life insurance quotes visit this page for more information and start saving now.
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Posted: 07:59, 2009-Dec-11 |
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Two Surefire Ways to Save Money on Car Insurance
| One of the reasons car insurance rates seem to always be on the rise is because as health care and auto repair costs rise, states raise the minimum liability requirements. When this happens, even those with a good driving record pay more for car insurance. That’s why it’s more important than ever to know every possible way to save money when you take out an insurance policy.
One of the ways almost anyone can save money on their vehicle insurance is by taking out multiple lines of insurance with the same company. If you own your home, make sure you are getting your homeowner’s insurance with the same company where you have your car insurance. If you rent your home, you should have renter’s insurance anyway so be sure that the same company that provides your car insurance also provides renter’s insurance. Also, if you insure more than one car, you’ll receive a discount. Bottom line – when you comparison shop, comparison shop for all of your insurance needs at the same time and then go with the company that can provide you with the best overall package.
As you are shopping for car insurance as well as the other types of insurance you purchase, consider going with higher deductibles because the higher your deductible is, the lower your premium will be. While it may be a pain to come up with $1,000 instead of $500 in the event of an accident or claim, it may be worth it if it substantially lowers your monthly premium.
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Posted: 07:58, 2009-Dec-11 |
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