Home Owner Insurance – Why You Need It and Don't

Author: Simon Christopherbr
Source: isnare.combr
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One of the best ways to cut your home insurance premiums is to reduce the risks to your property and its contents. All insurance is based upon risk so if you can find ways to reduce the risk to your home insurer, your premiums should follow.

Some of the steps you can take to protect your home may surprise you but by taking steps like putting up storm shutters or repairing roof shingles, can often result in a drop in your home insurance premium. Here are a few suggestions for ways to protect your home, drawn from information provided by the Association of British Insurers.

Reducing Subsidence Risk

One of the major reasons for homeowner insurance claims is subsidence. There are many things that contribute to subsidence, and a number of things you can do to reduce the risk.

- Pay attention to where you plant trees. Trees planted too close to the house may send roots into drains, under walls and beneath pavements.

- Prune trees regularly to prevent damage from overhanging/overgrown branches and to prevent an overgrown root system.

- Clean dirt and leaves from gutters, and carry out regular checks for leaking drains.

- Be aware of the effects of changes you may make. For instance, adding a car park to your front yard may reduce the water available to your trees and shrubs and cause flooding in your basement.

Reducing Fire Risk

Fire is a second major cause of damage to your home and injuries to yourself and your family. These steps will greatly reduce the risk of fire, and reduce the amount of damage that arises from it if it does happen.

- Make sure that there is at least one smoke detector on each floor. Consult a professional to position them for best effect, and check the batteries regularly.

- Always use a qualified electrician for electrical repairs, additions and alterations.

- Check electrical wiring regularly, and check cables and flexes for any exposed wires.

- Kitchen fires are the most common of all. Dont leave flames unattended.

- Know your fire safety rules. For instance, trying to put out a fat fire with water may spread it instead. Smother fat fires.

- Keep a fire extinguisher handy, particularly in the kitchen.

- Store flammable liquids in a secure place, preferably away from your home.

- Recycle your rubbish or bin it. The more you have around, the more fuel a fire has to burn.

- Consider additional fire hazards and guard against them. There are many fire hazards associated with party decorations, Christmas lights and summer barbecues.

Reduce Flood Damage Risk

You can reduce the damage from floods and make handling your claim easier by taking a few steps.

- Store personal belongings like insurance and bank details in a waterproof bag so youll have them handy when needed.
- If possible, move property to higher floors to prevent damage.
- Switch off gas, water and electricity at the mains to prevent explosions and fire.
- Contact your insurer immediately for advice on what to do next.

Your insurer may offer further advice with specific steps you can take that will reduce your buildings and/or contents insurance premiums.br
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Author: Alvin Clavinesbr
Source: articlesbase.combr
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In the event of putting a home in the market, having a home warranty is an effective way of increasing the chance of making a successful sale. There is no doubt Real estate agents would agree on this as they know the advantages of having a home warranty.Nowadays, wise investors want to make sure that they will benefit on the real estate property they purchase. Whether the property is new or not, there are numerous certain situations that may greatly affect the property. For this reason, they take the essential factors that will help prepare and secure hassle-free living condition like having a property warranty. So, what is a home warranty and how does it help boost the chances of getting a good sale?This is a kind of insurance that covers all kinds of maintenance and repairs in the home, especially in the first year of occupancy. The policy has vast coverage and it includes appliances and other major systems that are installed in your house such as furnace or heating system, cooling system, ceiling fans, electrical devices and other devices. The coverage also includes the dishwasher, overhead fans, exhaust fans, drain stoppages, air ducts, hot tub, refrigerator and related items. This is similar to the regular home insurance, but while home insurance policy provides coverage against fire accidents, theft, burglary and injuries happened in your home or any of your family members, the home warranty policy provides coverage home repairs and maintenance job of appliances and systems in the house.Obtaining this policy is fairly easy. You simply need is to qualify for a particular policy and a home inspection usually conducted, although there are instances that home inspection is disregarded. The contract or policy indicates the items that are under protection and the items not covered by the contract. The length of coverage depends on the amount you are willing to pay. You have an option to have a policy for a year or have longer term contract up to lifetime. The longer term you get the lower yearly cost you pay on the coverage.The home warranty goes with various features and range of quotes from different providers. In order to find the right home warranty company, you will need to do extensive research into a few sources. There are many home warranty companies that offer great deals for their clients and your real estate broker may recommend which provider can give you the best deal.If you are the seller, having a home warranty raises the chance of getting a good sale because with that the property for sale offers an attractive benefit to a buyer. If you are the homeowner, you will enjoy the use of the home knowing that you and your home are secured from possible bad cases that can terribly affect your home. Whether you are a potential seller or a homeowner, having a home warranty is a win-win situation. Now, you know the advantages and the need to get a home warranty policy for your home.br
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