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Did You Know?

10 Things You Should Know About Purchasing Home Insurance

Posted on May 31, 2016 at 4:10 PM


 

You Need Home Insurance

Homeowners need to purchase home insurance to protect their homes and personal property. Those who rent need insurance to protect their furniture and other personal property. Everyone needs protection against liability for accidents that injure other people or damage their property.


Decide How Much Coverage You Need

The better your coverage, the less you will have to pay out of your own pocket if disaster strikes. In some cases, your lender decides how much coverage you need and may require you to buy a policy that covers at least the amount of the mortgage. It is important to note that the amount of coverage you buy for your house, contents and personal property will affect the price you pay.


Compare Deductibles

The deductible is the amount you have to pay out of pocket on each claim and applies only to coverage on your house and personal property. Make sure when choosing a policy that you are comfortable paying the deductible if you make a claim. Remember, a policy with a $100 deductible will cost more than one with a $250 deductible. Higher deductibles may be available at a reduced price.


Replacement Cost or Actual Cash Value?

You have the option to choose to insure your home and belongings for either replacement cost or actual cash value. Replacement cost is the amount it would take to replace or rebuild your home or repair damages with materials of similar kind and quality, without deducting for depreciation. It is important to insure your home for at least 80 percent of its replacement value. Actual cash value is the amount it would take to repair or replace damage to your home after depreciation.


Shop Around Before You Buy

You are not required to purchase insurance from the company your lender recommends. There are a number of unbiased sources available to find out what different insurers charge for identical products and services, including your state insurance department, consumer publications and your public library.


Ask Your Agent About Discounts

In some states, insurers offer lower prices for such things as insuring your home and car with the same company, installing deadbolt locks or alarm systems or replacing the roof.


Basic Coverages Available

Whether you own or rent, there are different packages of home insurance offered to protect your home and belongings. Each package protects against a specified number of events that cause damage to property. Three examples are fire, windstorm and theft. In addition, each package policy usually contains four additional types of coverage: property damage, additional living expenses, personal liability and medical payments.


Where to Shop

Come see us, 2015-B Osborn Rd St. Marys, GA 31558 or give us a call (912) 510-3417.

 

Check the newspaper and yellow pages of the telephone directory for companies and agents in your area. In addition, ask your neighbors, relatives and friends for recommendations on insurance companies and agents. Remember to shop around to get the best price and service.


Read Your Policy Carefully

You should be aware that a home insurance policy is a legal contract. It is written so that your rights and responsibilities as well as those of the insurance company are clearly stated. When you purchase home insurance, you will receive a policy. You should read that policy and make certain you understand its contents. Keep your policy in a safe place and know the name of your insurer.


Review Your Home Insurance Needs Every Year

Check with your insurance agent at least once a year to make sure your policy provides adequate coverage. The addition of a room, new insulation or remodeling add value to your home and therefore may increase replacement cost.

Categories: Home Owners & Renters

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2 Comments

Reply sharTum
7:04 AM on April 18, 2019 
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Reply Albertwekly
2:27 PM on August 10, 2018 
The men's prostate is a vital portion of a male's reproductive :. It secretes fluids that aid in the transportation and activation of sperm. The prostate can be found just before the rectum, below the bladder and surrounding the urethra. When there is prostate problem, it is usually really really irritating and inconvenient to the patient as his urinary method is directly affected.

The common prostate health conditions are prostate infection, enlarged prostate and prostate type of cancer.



Prostate infection, often known as prostatitis, is among the most common prostate-related condition in men younger than 55 yrs . old. Infections of the prostate are classified into four types - acute bacterial prostatitis, chronic bacterial prostatitis, chronic abacterial prostatitis and prosttodynia.

Acute bacterial prostatitis will be the least common of most kinds of prostate infection. It is brought on by bacteria perfectly located at the large intestines or urinary tract. Patients can experience fever, chills, body aches, back pains and urination problems. This condition is treated through the use of antibiotics or non-steroid anti-inflammatory drugs (NSAIDs) to help remedy the swelling.

Chronic bacterial prostatitis is a condition connected with a particular defect inside gland and the persistence presence of bacteria within the urinary tract. It can be caused by trauma on the urinary tract or by infections received from other areas from the body. A patient may feel testicular pain, back pains and urination problems. Although it is uncommon, it could be treated by removal of the prostate defect then the use antibiotics and NSAIDs to take care of the soreness.

Non-bacterial prostatitis is the reason approximately 90% of all prostatitis cases; however, researchers have not even to create the sources of these conditions. Some researchers believe that chronic non-bacterial prostatitis occur as a result of unknown infectious agents while other believe that intensive exercise and heavy lifting may cause these infections.

Maintaining a Healthy Prostate

To prevent prostate diseases, an appropriate meals are important. These are some with the actions you can take and also hardwearing . prostate healthy.

1. Drink sufficient water. Proper hydration is essential for general health and this will also maintain your urinary track clean.

2. Some studies suggest that several ejaculations a week will prevent cancer of prostate.

3. Eat pork without excess. It has been shown that consuming greater than four meals of beef a week will heighten the likelihood of prostate diseases and cancer.

4. Maintain a suitable diet with cereals, vegetable and fruits to make certain sufficient intake of nutrients essential for prostate health.

The most crucial measure to consider to ensure a healthy prostate is to go for regular prostate health screening. If you are forty yrs . old and above, you must choose prostate examination at least once per year.