Finance > Insurance > Home InsuranceHome Insurance Rate What To Look For When Shopping
Posted by nick_niesen in Finance on October 29th
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Homeowner insurance premiums are on the rise. There was a time when the home policy was the best and least expensive of all the property and casualty insurances. The homeowner policy is under attack. There are many more exposures than ever before. Toxic mold has caused some real problems in some areas of the country and caused the premiums to rise dramatically. Some states exclude coverage for toxic mold entirely. Natural disasters have had an affect on rates. The recent barrage of hurricanes has caused supply shortages and these shortages increase the demand and the price for repairs. These expenses are passed on to the policyholders eventually.
The rates are calculated by insurance company fiduciaries. They look at the cost of claims and the cost of doing business and compare it to the company revenue to come up with your rate. You have no control over how the companies derive their rates. They have to get approval from their state insurance departments before setting rates or increases. They cannot arbitrarily come up with a figure.
What Can You Do?
1.Understand Your Policy Make sure that you know what kind of policy that you have right now. If you are making your first purchase then you need to research the kind of policy that you want. Replacement cost or Actual Cash value are your two major choices. Replacement Cost policies replace your structure or contents with material of like kind or quality with no depreciation. The actual cash value policy settles your loss by taking the replacement cost and subtracting depreciation because of age or use.
2.Self Insure The best way to purchase insurance is to self-insure by using the highest deductible that you can afford. Homeowner policies have a much lower frequency of claims as compared to auto insurance. Low deductibles no longer justify the higher premium.
Use your declarations page when you comparison shop and make sure that you receive all the discounts. Multi-policy, protective device discounts
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LUSAKA, Dec. 4 (Xinhua) -- Football Association of Zambia President Kalusha Bwalya said Thursday that the national team will prepare hard to perform well during the 2015 Africa Cup of Nations.
Following the draws conducted in Malabo
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Bwalya
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""I knew that the draw would be tough. We have to prepare really hard; Chipolopolo will be ready no doubt. I wish the best of luck to all teams
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According to the statement, Group B teams will be based in the town of Ebebiyin and Zambia plays the group's opening match against DRC on Jan. 28 with the second match against Tunisia four days later.
The 2012 Africa Cup winners will play their final group game against Cape Verde on Jan. 26
Head coach of the Zambia national soccer team has since summoned local prepares to start preparations for Africa's soccer showpiece to be hosted by Equatorial Guinea.
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