Category Archives: Insurance

Looking for cheap home insurance?

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Insuring your home doesn’t have to cost a fortune – there are plenty of cheap home insurance policies on the market. However, it’s important to make sure that you choose a policy that suits your needs.

Here are some tips to help you to reduce your premiums without cutting back on the cover that you require.

Compare home insurance quotes and benefits

You could cut the cost of your home insurance just by shopping around and switching to another plan. However, whether you’re looking for buildings insurance or contents insurance, make sure that you compare the benefits that the different policies provide, as well as the premiums charged for them.

Choosing the cheapest home insurance policy on the market may help you to save money in the short term but, if anything happens to your home or possessions, you may not be covered for everything. There are some fantastic cheap home insurance policies on the market, but paying a little extra could mean that you get better value for money.

Make sure you get the right level of house insurance

While it’s important to make sure that your home and possessions are adequately covered, over-estimating their worth could mean that you’re paying higher premiums than you need to. Before you take out buildings insurance, check that you are covering your home for the right amount. If you are taking out contents insurance, make a household inventory to see what you own, and find out how much these items would cost to buy again if you needed to replace them.

It’s also important to make sure you aren’t paying for benefits you don’t need. For example, choosing a plan that includes cover for damage sheds or other garden contents could be a waste of money if you don’t have a garden.

Consider compulsory and voluntary excesses

Many home insurance policies include compulsory excesses, meaning that you’ll need to pay a fixed amount towards the costs involved when you make a claim. However, you can also usually opt to take out a voluntary excess, meaning that you’ll pay a little more if you claim, but your premiums will be slightly lower.

When comparing home insurance quotes, check to see if the plans that you’re looking at include compulsory excesses. You may find that plans charging similar premiums have very different excess levels.

You may also be able to get a plan with more comprehensive benefits for the same amount of money as a plan offering less extensive cover by taking out a voluntary excess. However, think carefully before taking out a voluntary excess – you need to be sure that you will be able to find your share of the costs if you ever need to make a claim.

Improve your home security

Making your home as secure as possible reduces the risk of your property being burgled or vandalised, and home contents insurers usually take this into account when assessing how much customers need to pay.

Mention any security features you have in your home, like window locks or alarm systems, to potential insurers. If you haven’t reviewed your home security for a while, take the time to do it – making a few changes to your home could help you to feel safer and lower your insurance premiums.

Finding the time to review your home insurance can sometimes seem difficult but it’s worth doing. Just by carrying out a little research and shopping around, you could get a better deal.

Protecting my family

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It’s so important that your family feels safe isn’t it? You can do your best to keep them safe and sound when they’re at home, but you can’t be with them all the time. You always want your loved ones to feel at ease wherever they go, but accidents happen sometimes, and you just need to do what you can to make them feel better.

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Our family picture in 2001

More and more these days you see adverts for personal injury claim lawyers, and it makes you wonder whether it’s a good idea. It’s easy to judge it just based on the advertisements, but I tried putting myself in the shoes of the people the ads for sites like first4lawyers.com talks about. If I was to have an accident that meant I couldn’t work and provide for my family, the compensation would probably start to look really good I think. If I wasn’t able to earn any money, and it wasn’t my fault that I couldn’t, I would definitely start to feel angry about it, especially if it started to cause problems for my family.

I think it’s unlikely that you’d be able to make a personal injury claim when you’re working at home, but for some people it can definitely seem like a good move if they’re struggling to make mortgage payments and feed their kids – especially when these companies are offering no strings attached services, calling them no win, no fee, and especially when they do all the work for you – it could definitely be a load off your mind.

The year that was

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A lot of good and not-so worthwhile things happened to my family this year.

In February, my kids were hospitalized for dengue fever. The only fund we have during that time was the 13th month pay that my husband received from his company. We were saving up that money to pay for the tuition fee when the problem happened.

But God is so good He never let anything bad to happen to my kids. While we were at the hospital, blessings came pouring in. Friends gave us some financial help to which I’m thankful for. I got a lot of assignments from a paid post company and direct earnings from an advertiser who paid a hefty sum for the ad links on my blogs. I’m most thankful for my dearest friend for the DA referral for without it we may not be able to pay some obligations and secure a part for the tuition.

Because of what happened to my kids, I realized that I need to get a health card for my family. Instead of paying cash, I can use the health card to pay for medical expenses. Now I’m thinking of securing a health card or avail cheap term life insurance next year. Like what elders always say, it pays to be ready all the time.