Posts tagged "Square Footage"

Pennsylvania Homeowners Insurance – How to Get the Best Quote

Pennsylvania homeowners insurance covers your home and contents from damage caused by theft, fire, lightning, smoke, and other disasters. How can you make sure you get the best quote for your Pennsylvania homeowners insurance? You need to …

* Prepare yourself in advance

* Decide on your limits and deductibles

* Check for available discounts

Prepare Yourself in Advance

Before you pick up the phone or get on the internet to get rate quotes for your Pennsylvania homeowners insurance, you need to do some homework:

* Make a detailed inventory of your belongings – both property in your home and in storage areas. An inventory will help you figure out what coverage limits you need, plus you will need it if you ever need to make a claim.

* Gather detailed information about your home, including the square footage, year built, number of miles to the nearest fire station, and number of feet to the nearest hydrant. You will need to provide this information in order to get homeowners insurance quotes.

* Check your credit rating. Many insurance companies check your credit rating and set your rate higher if you have poor credit. If you have poor credit, you can either work on improving your credit or choose an insurance company that doesn’t check credit ratings.

Decide on Your Limits and Deductibles

Your mortgage lender probably requires that you carry homeowners insurance equal to the appraised value of your home. However, you may want to consider figuring out how much it would cost to rebuild your home and sett your limit to that amount.

The deductible is the amount of money you have to pay toward a loss before your insurance kicks in. Choosing a higher deductible will lower the premium on your Pennsylvania homeowners insurance.

Check for Available Discounts

To get the best quote for your Pennsylvania homeowners insurance, make sure you get all the discounts you’re entitled to. Most insurance companies offer discounts for:

* Security features such as deadbolts and alarm systems

* Multiple policies with the company

* Non-smokers

* Senior citizens

By following these tips, you will get the best rate on your Pennsylvania homeowners insurance.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Pennsylvania homeowners insurance quotes from top-rated companies in your area and see how much you can save. You can get more homeowners insurance tips by checking out their “Articles” section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/pennsylvania-homeowners-insurance-how-to-get-the-best-quote-127918.html

Florida Homeowner’s Insurance Quotes – Where to Get the Cheapest

Your Florida home is among the largest purchases you’ll ever make. You want to protect it with homeowner’s insurance, but without spending too much. Where can you get the cheapest Florida homeowner’s insurance quotes?

The answer is no further away than your computer. You can go online to insurance websites and get fast Florida homeowner’s insurance quotes. At many sites, you can complete your insurance information one time and get fast quotes from many different insurance companies.

Information you need to get started

You’ll need some basic information at hand before you can go online and get your Florida homeowner’s insurance quote:

* Square footage of your home

* Year your home was built

* How far away the nearest fire hydrant is

* Construction details about the home, such as the type of foundation, walls, and roof

* Limits of coverage you want

* Deductibles you want

* Safety features such as deadbolts, smoke alarms, fire extinguishers, and security systems

Tips for getting the cheapest Florida homeowner’s insurance quotes

To get the cheapest Florida homeowner’s insurance quotes, follow these tips:

* Set your deductible as high as you can afford. The deductible is the amount you pay on a claim before the insurance starts to pay. The default deductible on Florida homeowner’s insurance quotes is usually $250, but if you can raise it to $500 or even $1,000, you’ll save up to 25% on your premium.

* Don’t set your coverage limits too high. Take an inventory of your belongings and get an estimate of how much it would cost to rebuild your house.

* Get all the discounts you qualify for. Florida homeowner’s insurance companies typically offer discounts for multiple policies with the company, non-smokers, senior citizens, and security features. Ask if the company offers any other discounts.

Making your final decision

Once you have several Florida homeowner’s insurance quotes, you’ll need to choose a company. Remember that the cheapest quote is not always the best.

Go to the Florida Department of Insurance website and see how many complaints customers have made against the company. Also go to the company website and see if it is informative and helpful. This information will help you choose the cheapest Florida homeowner’s insurance quote with the best company for you.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Florida homeowners insurance quotes from top-rated companies in your area and see how much you can save. You can get more homeowners insurance tips by checking out their “Articles” section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/florida-homeowners-insurance-quotes-where-to-get-the-cheapest-127885.html

How much home insurance & tax for a cheap studio?

I know 0 about this: are home insurance rates annual or monthly? Could someone give me just a very rough idea about how much a cheap studio’s home insurance & tax would cost? (in upstate ny)

I don’t know about New York but about how insurance works I can give you the 411.
Alright, based on the rates set by the Insurance Commission of your state the price will be set.
Here in NC, a home for, let’s say $150,000 in coverage (coverage is the replacement of the home, your personal property, any other structures, liability, and med pay). If you are buying a studio apartment then it will usually cover the personal space, loss of use if ever damaged or destroyed – helps pay for a place to live for a while, personal possessions, liability – helps if you are ever sued for neglegence or detrement of character, and med pay.
Most insurance companies will allow monthly, quarterly, or yearly payments. If you have a mortgage company, most mortgage companies will have a way where your insurance and tax bill can be included into you monthly payment. Here is an example of what a condo policy in my state looks like………..
$250,000 home
Replacement cost $285,000
Replacement of contents $71,250 (this can be negotiable)
Other structures $28,500 (storage buildings/watersheds)
Liability $300,000
Medpay $1000 (incase someone is hurt on your prpty)
Deductible $500 (your part incase of any loss)

Total premium average is around $650 per year

Call around and get some estimates. They will want square footage, bedrooms, bathrooms, entrance, exits, emergency exits, what story it is on, any renovations such as electrical and plumbing within the last 15yrs, how many person that will live in the home, and any pets and what type.
When it comes to tax, look for the website for your local tax office. Your county tax office will usually have a website that may have a tax estimator for the type and purchase price of your studio. If not, they can give you an estimate over the phone. Best to have an idea of how much you are going to purchase the studio for before you do. If you are renting then you will not need any of this unless stated in the contract.
Good luck and sorry I couldn’t be of more help.

How much condo hazard insurance should I carry?

I bought the condo for 95k. The HOA insures from the studs out. My personal property is worth approx 10k. It has 2 bed 2.5 bath, a living & dining room totaling 1024 sq ft with a 512 sq ft basement.

The inside is basic with mostly carpet and vynal, basic countertops, appliances, and shelving.

Please take the time to sit down with a local agent who can calculate the cost to rebuild the interior of your unit based on the square footage and local labor and building supply costs. Most agents have the software available to help you determine this as accurately as possible. In terms of your personal property your calculation should not be based on the current "used" value but the value to "replace" or purchase these items brand new. Your personal items includes your clothing, your furniture, your small appliances, computers, electronics & media (games, cds, dvds, software,etc), dishes, pots & pans. As a rule of thumb if you tend to buy your personal property at Wal-mart or K-Mart a 2 bedroom unit contains between $25,000 to $40,000 in personal property. Also purchase the replacement cost coverage option on the personal property and on coverage A–the building coverage. You need to make sure that this figure is as accurate as possible. If you are underinsured at the time of a loss, you will be penalized by the same percentage that you are underinsured. Also make sure to include ordinance and law coverage, loss assessment coverage and sewer/water back up coverages. In addition I would have a minimum of $500,000 personal liability coverage and $5,000 medical payments coverage. To save money, please consider the following–have whoever writes your auto insurance quote this for you so that you can possibly get a multi-policy discount, take a deductible of at least $500 or $1,000, consider putting an alarm, fire extinguisher, etc.

Homeowners Insurance Leads and Quotes

Homeowners Insurance Leads and Quotes

Let’s face it, these days it is extremely important to get your house insured by an insurance agent.  But the most important question, do you know where to find an insurance agent who can provide you with an insurance quote on your home?

It is always recommended that you use a homeowners insurance company and seek tips and advice from a reputable and reliable insurance agent.  Only qualified and professional insurance agents can offer the correct insurance quote and coverages. 

Below are some imperative details that need to be considered with an agent when asking for a quote on homeowners insurance: 

1.  Be certain to Make sure you have enough insurance to cover the cost of rebuilding your house at current construction costs. To figure out the amount of coverage needed, take the total square footage of the house and multiply by current local rebuilding costs per square foot. For example: A 2000 square foot home with local rebuilding costs of $150 per square foot (2000 * 150) comes to $300,000 of dwelling coverage.

2.  Make sure that your personal possessions are properly covered. We recommend that personal possessions are insured at replacement cost NOT actual cash value.

3.  Most homeowners policies will also provide coverage for loss of use. This means that if you need to live somewhere else while the house is being restored the insurance company will pay for this expense.

4.  Liability coverage is also included on most homeowners policies. This is very important. The minimum on most policies is $100,000. We recommend at least $300,000.

5.  In addition to the coverage’s mentioned, there are many other coverage’s to consider depending on the type of house, the contents in the house and any other structures located on the property. We recommend a review of your coverages be handled by a local insurance agent. 

When you obtain the answers you are now in a better position to get the correct homeowners insurance quote.

Just as an owner of a home needs insurance on their house, an insurance agent also needs homeowners insurance leads that will generate him activity for their agency. 

For an agent to get the right insurance leads, you need to focus on the LOCAL community.  *Below is an example of how to get the correct homeowners insurance leads.

*The agent MUST have the necessary tools to drive traffic to the business website with a focus on the LOCAL community.  As the Internet is used in 75 percent of households, the quickest method of communication is via email and the web. 

We offer the best homeowners insurance source of information and insurance agents.  Find top homeowners insurance agents by your zip code and learn the basics about homeowners insurance on http://www.insuremyhouse.com/  

Daren DiSantis
http://www.articlesbase.com/insurance-articles/homeowners-insurance-leads-and-quotes-748784.html