patios and fencing 火车冲撞站台事故 刘嘉玲庆侄子毕业

Insurance There is so much to do when you are buying a home that the priority for buildings and contents insurance coverage is most likely just not there. It is just one more thing on your to do list of things that are required in order to qualify for your mortgage, that as long as you have a policy to meet the requirement, that is good enough. Once all the mayhem of the closing and moving in and selling your old home is just another page of history, it is time to sit down and take a good look at just what your buildings and contents policy covers, or more importantly, what it doesn’t cover. Don’t make the mistake of just letting it ride year after year with all the thought of it being just one more bill you have to pay in order to stay in the house. Make your insurance policy work for you and give you the coverage you need. It makes sense to most people that your home and property are your biggest investments and that having insurance is not only just a practical idea, but that it is essential. There is a whole list of things that can happen to your home and it seems to go from bad to worse. A partial list would be: flood, storms, lightening strikes, falling trees and fire. You may have to file a minor claim, or you could end up needing to replace or rebuild everything, right down to the very land itself. This is the reason it is so vital that you make sure that your buildings and contents insurance policy is not just a current value payoff, but that it will pay for the entire cost of replacing or rebuilding everything from the ground up. You will also want to make sure that there is provisions included for replacement or repair to all the other structures on your property such as storage buildings, tennis courts, garages, swimming pools, patios and fencing, plus any and all the contents they contain. Your financial situation changes frequently, as does the replacement values of the buildings and contents that you own, so it is in your best interest to make sure that you review your policy often to make sure that it will not just cover the current value of your property, but that you can actually replace or rebuild if needed. Make it a point to check at least once a year that your policy coverage is equal to or greater than the amount needed to go out and replace the items covered. You can have, with most policies, an automatic rate of inflation increase that is build in, which will help keep things on track, but it is still not a substitute for checking it yourself. Current statistics in the insurance industry show that the average person who owns a home is insured for the value of the contents that is considerably less than the amount it would take to replace them. Under estimating the value of your buildings and their contents is the number one mistake homeowners are making these days. You must make sure that the amount of coverage you have is enough to actually rebuild or replace your home, surrounding structures and all the contents in the event that the need arise. Now is the time to make sure you and your family are protected with the right coverage in your buildings and contents insurance policy, because once something happens it is too late. Plan your policy review and update into your long range planning and get it done at least once a year, or whenever you have a major change in value of contents or property. Do it now and be prepared because can save a lot of heartache, and money, and will put your buildings and contents insurance policy to work for you. About the Author: 相关的主题文章: