Dave Loggins – Please Come To Boston – 1974 DJ (HD Stereo!)
As per necessity, home insurances are of three types. The first one is those that are taken to insure the physical structure of the home. This type of insurance is taken by all the homeowners who do not live in their home. They are concerned with the building of the home; they have nothing to do with the contents inside it. So, they prefer to insure the building only.
Then there are the purchasers who buy home insurance policy only to insure the contents of the home. They are tenants and do not own the home. For them any loss to the home does not matter; they are primarily concerned with the safety of the assets in the home. They look for home insurance policy that cover what is there inside the home, not the building. This is generally taken by tenants.
The third type of home insurance policy is the one that cover both the home as well as its contents. This type of policies is taken by those who own a home and live in it as well. For them both the home and its contents matter equally. Any loss to the building and the assets inside is the same to them. So, they purchase policies that insure the physical structure of the home and its contents as well. Insurance market has unlimited deals on all these types of home insurances.
In addition to all these types of deals on home insurance policy, there are some other customised deals for people living in certain areas. Those who have their homes in damage prone areas like the coastal regions may have to pay more for a policy than that of the persons in other areas. In the same fashion, homes in the places where act of theft occurs very often may have to pay more for a home insurance than others.
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sidewalk By a café where I hope to be workin’ soon Please come to Boston She said no, would you come home to me / D – - G / / A – D – / Bm AG – / D – / A – D – / {Refrain} And she said, hey ramblin’ boy, why don’t you settle down Boston ain’t your kind of town There ain’t no gold and there ain’t nobody like me I’m the number one fan of the man from Tennessee / D AD / / D – G – / Em AD – / Please come to Denver with the snowfall We’ll move up into the mountains so far that we can’t be found …
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The author is an expert in home insurance UK, van insurance, car insurance, breakdown cover and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.
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Posted by American Car Insurance on June 27th, 2009 filed in home insurance | 15 Comments »
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15 Responses to “Dave Loggins – Please Come To Boston – 1974 DJ (HD Stereo!)”
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June 27th, 2009 at 7:50 am
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June 27th, 2009 at 8:43 am
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June 27th, 2009 at 1:03 pm
thanks for your leadership on this topic. I have learned a lot associating with you.
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June 27th, 2009 at 7:15 am
You may have the HO-5 policy which is a good policy if you live in an area where the temperature drops way below freezing. It covers things like frozen pipes and damage from weight of snow or ice. The basic policy, HO-1, is for people who live in warmer climates. It's the best value in a policy if minimum premiums are your goal. So get out your homeowner's policy so that you can check coverages and make any possible changes.
Also, see what your deductible is. You can save money by raising your deductible to $500 or $1000. But be sure you check with your morgage company for the minimum required coverages.
Check to see if you have replacement value coverage, not market value coverage. Replacement value coverage will pay whatever it cost to replace your home. Make sure your fire insurance is also replacement value coverage. You can also ask for an appreciation clause in your policy that will automatically raise your coverage limits each year for inflation.
And, check your policy for gimmick insurance that may be attached to your policy. Examples are:
Credit Life Insurance
Credit Disability Insurance
Morgage Life Insurance
Automobile Service Contracts
Extended Waranties on Appliances and Electronics
Chargegard
And finally, check all options to your homeowners's policy. None of these are a good value.
1)Removal of debris
2)Damaged-property removal
3)Fire department surcharges
4)Temporary repairs to prevent further damage to property
5)Trees, shrubs, and plants – since windstorms are excluded, this insurance is of little value
6)Stolen credit cards
June 27th, 2009 at 7:27 am
You used the words paid, pay, money, spend, and they are all correct. It is all about the money, yours specifically, and how much of it the insurance industry can get (steal).
June 27th, 2009 at 7:47 am
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
Insurance companies are wary of lapses in any kind of insurance policies. In your case it just happened to be home insurance.
The single most feared factor in the insurance business is not hurricanes, not bush-fires, not wars, not meteor strikes but what's known as 'moral hazard'. Moral hazard is, in simple terms, lack of inhibition in preferring a claim under less than above-the-board circumstances.
For example, if your camera is insured for home use only, you cannot make a claim if the insured camera suffers damage during a jungle safari. Most of us, being honest persons, would not even want to claim under such circs. However, since, as a rule it takes all kinds to make this world, there exist individuals who would make a claim as if the damage occurred at home. Such individuals are considered to be 'moral hazards'.
Coming back to your original question, insurance companies know from empirical evidence that the incidence of moral hazard is greater – much greater – in those cases where there's a break iin coverage. It's likely that the insured is trying to renew the policy after a loss has occurred.
You need to provide evidence to the insurance company that you did not intend to let the policy lapse. That it lapsed, is a fortuitous happenning (please note the wording – underwriters love such language) and not a deliberate omission. 'I do not want to be penalised for something over which I had no control' is the line you need to take. You could strike lucky with this line.
June 28th, 2009 at 4:07 am
Hey Burt,
Great video, you managed to get a lot of info accross.
Thanks
June 27th, 2009 at 10:07 pm
I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures. Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down.
It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win.
I believe you apply for as built permits from the Building Department in the city. Make sure you're in the incorporated portion of the city, otherwise you'll have to go to the County Building Department.
Also, if the bank didn't know that these additions were unpermitted, you wouldn't have an recourse. Most foreclosures are sold as is and requires buyer's diligence. A title insurance policy may or may not disclose unpermitted additions (depends on the wording of the policy). As I recall, a title insurance policy only guarantees that you have marketable title to the property.
June 28th, 2009 at 11:31 am
Hey Bert, As always awesome videos and great leadership! Thanks for your mentorship…it’s been greatly appreciated.
June 29th, 2009 at 12:40 am
Why not just go to an online site that will give you bids from multiple agencies. It's quick and you're not at any risk, and it will give you a ballpark figure to work with and decide what is right for you.
http://insurance.deal4-you.com
.
June 29th, 2009 at 3:02 pm
Nope, they can look at the inside, too. They're checking for certain breed dogs, they'll check your electric box, they'll check for unrepaired damage, and they use info like wallpaper, tile, vinyl flooring, to calculate the replacement cost of your house.
An appraiser doesn't come out until after the claim. The agent is doing "front line underwriting" and establishing the value of your house.Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
June 29th, 2009 at 4:56 pm
You need to change or they will not pay if you have a claim. Holes are not covered, neither is most tenant damage. But, you still need fire damage, weather, etc etc.
Also, if you are going to allow animals check your policy, they are not likely to cover your property if you allow any dangerous animals.
Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
June 29th, 2009 at 10:40 pm
Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
"Homeowners insurance" covers the owners dwelling [house/garage] and contents [owners personal property on the premises]. "Owner" [landlord if he is the owner] takes out this policy and is responsible for the premiums. If building is leased or rented out, it does NOT cover tenants personal property, such as furniture, electronics, etc, or even tools borrowed from a neighbor.
"Renters insurance" covers the tenants personal property only. They take out this policy and pay the premiums.
Home owners policies cover every circumstance EXCEPT what is listed in writing, or "exemptions". These are normally: floods [obtain this through FEMA], home businesses losses [such as a fire in a residential garage being used as auto repair business], or anything else that is listed in writing. If your house up in Alaska gets stampeded by purple elephants, and it is NOT listed as an exclusion, it WILL be covered.
June 30th, 2009 at 6:24 am
Great video Bert, your marketing system is a total powerhouse!
June 30th, 2009 at 6:19 pm
Try this site to find the best home insurance company that suits your need
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.
True, but it depends on the exact type of business.
I'd think, with no foot traffic, and no business property exposure except a laptop, and no manufacturing going on, most homeowners carriers won't have a problem – If you carry business liability insurance.
Even if you don't want to carry insurance for the business, you'll still likely be able to find an insurer willing to cover the homeowners part (none will cover the business part), you'll just have to look a little harder. Use an independent agent, and they'll be able to take care of you.