A travel insurance policy is intended to protect you or any of your family members against any possible risks or mishaps that might happen to you while traveling. Nobody wants to travel with tensions and worries on his mind. To give you peace of mind while you are on your traveling spree, a perfect travel insurance policy is a must. It will ensure that if some unwanted mishaps or accidents take place during your travel, instead of you spending money from your pockets, your travel insurance policy will pay for the cost of treatment.

There are different types of travel insurance policies and single trip travel insurance policy is one among them. This single trip travel insurance is designed for all those people who are planning to go on a specific holiday or a single trip. Whether you are planning to go abroad or in UK, single trip travel insurance is the best policy for you and also your family members if you plan to go on vacation only for once a year.

Many people may not have time to go on frequent travels, but they want to go to some country for some specific purpose like a particular golf tournament, to meet his relatives, for winter sports like skiing or snow boarding etc. To cover the expenses of these travels it is advisable for you to purchase single trip insurance.

A single trip insurance policy will give coverage for:

• Emergency medical treatments,

• Loss of baggage or documents,

• Flight cancellation,

• Flight delays

• Emergency evacuation. ` To avail a single trip insurance policy, you need to do some research of the insurance market. The rates of premium of single trip insurance is little cheaper than multi-trip insurance. But still, in order to get the best deal, you have to shop around a little. A comparison of various single trip insurance quotes as provided by various companies has also to be undertaken. This job of yours is rendered easy by the internet facilities. Almost all companies have their own websites with different types of information. Just log in to these websites and undergo your research for single trip insurance quotations conveniently.

If you've never filed a loss claim before, you might feel nervous and confused about the whole process. What exactly should you do? And what exactly happens?

Well, let's say a storm comes through your area and damages your home. The first thing you should do is try to mitigate damage. If you have water leaking into your house, cover up the leak (but don't have it repaired yet). Basically you want to do what you can to prevent further damage.

Next you should call your insurance agent. They might submit your claim for you, or they may refer you to another center that deals with loss inspection. After your claim is submitted, a claims adjuster will be assigned to your claim. They will then contact you to set up an appointment to come out and inspect your loss.

Once they inspect your loss, they may settle the claim then and there. However, if the damage is very extensive, they may need to do a little more research into prices and/or the best course of action. Once the proper course of action has been decided, the claims adjuster will go over everything with you so that you understand what can be done.

There are some important things you can do to make the claim go smoothly.

1. When the claims adjuster first contacts you, make sure you get THEIR contact information so you can reach them easily.

2. Write down the date and time of the storm, and other such details.

3. Take good photos of damage, and keep receipts for anything you have done to mitigate damage.

Depending on your religion if you’re asked about Christmas words such as “Jesus”, “Santa”, “Turkey” or “Queens Speech” may spring to mind. Asked which words you think of when asked about Insurance may well produce a few others! So what do Christmas and Insurance really have in common?

1. Although many people may wish Christmas occurred more often as we all know it happens just the once a year. Much like most insurance policies with their annual renewal date. Indeed the first line of the famous Christmas song "12 days of Christmas" could be perfect for the Insurance industry as the first principle of Insurance is that of Indemnity (that is if you suffer a loss you will put back in the same financial position you were in before you suffered the loss).

How very different the song would have been if our dear friend the Partridge in the pear tree was instead replaced with:

On the first day of Christmas my true love gave to me the principle of indemnity.

Whilst the principle of indemnity is one of the best things about insurance not everyone would appreciate receiving it from their loved one.

2. Does the following story sound familiar? You're sat around the Christmas tree on Christmas morning looking at all the presents Santa has left behind. You're hoping that the rather large box with your name on it contains the latest (play station, IPOD, perfume, brew your own beet kit in hours or whatever gift you were longing for) only for you to rip it apart and find inside a (cake baked by your aunt, a box of cheap aftershave, jumper knitted by your Gran with the only 2 colours of wool she had left – pink and yellow – or whatever gift you didn't want).

If this does indeed sound like a familiar Christmas tale in your household then for some people insurance can sometimes throw up the same feeling. You may have taken out an insurance policy and expected it to cover you in the event of a loss occurring only to find out (too late) that it doesn't. So what can you do when it comes to insurance to try and prevent this? Well that leads us to number 3.

3. Your research will be rewarded. Remember all those hints that your wife/husband/children have dropped in the days, weeks and months leading up to Christmas about the present they would really like? Well if you've been paying attention and have made notes in the run up to Christmas and have actually gone to the trouble of buying people what they want then there's every chance you'll have a very merry Christmas.

So then do your research at Christmas and have a jolly good time. Do you research with your insurance and you can:

1. Find an insurance broker who specialises in the type of risk you want covering
2. Get discounts for placing more than one type of insurance with them
3. Get risk management advice aimed at reducing your exposure to risk and your insurance premium
4. Make sure you get the right cover – this means finding the right insurance broker, working with them, listening to their expert advice and deciding on what cover you need

And hopefully if you do suffer a loss you'll have all the cover you need to make sure indemnity kicks in and you're put back in the same financial position as you were in before the loss was suffered.

4. And finally when it comes to Christmas and Insurance Father Christmas has a beard and so do many people in the insurance industry!

Have a Happy Christmas and make sure you, your business and your loved ones get the protection and peace of mind they deserve.

Are you a webmaster or an owner of a website? Yes, please read on. No, then skip this now.

OK, since you said you own a website, let me ask you again, “Have you lost your website/s before?”

If your answer is NO, then you are a lucky fellow. Go on and have a good life. ;o)

If YES, then you got to read this article seriously. Promise, I won’t bore you with fluffs and stuffs. It will just be 137 seconds flat read of no-holds-barred webmaster ranting on the importance of website insurance.

OK. Here we go…

For a moment, let this sentence stick to your mind.

“The risk of losing my website(s) is my responsibility as a webmaster.”

Read it again if you have to.

Good…

Sounds cool eh? Yes, the risk of losing your website is always (take note - always) on your hands. Not your programmer’s hands, not your designer’s not even with your mom. You can’t blame your webhost, your cat or your dog for this.

Why is it important for you to know that as a webmaster (as the creator and author of the website(s) you call your own), you are solely responsible to whatever success of your website(s) (and its downfall too)?

Because once you created something, you, as the creator, should have full control over it even if you delegate that responsibility on it to others.

Say you hire a webmaster or a programmer to update your website(s) for you, you are still fully responsible. If you own the site/domain and you make the last say on what to do with it, then you are still the master of it.

The concept of ownership is important here because the solution that ensures your website’s existence is in your very hands.

This is a solution that is often ignored, always the subject of pointing fingers (between you and your host or you and your hired webmaster) and yet it is your only insurance in case of website disasters.

And that solution, my friend, is simply doing WEBSITE BACKUPS.

Sorry I have to make it all CAPS to reiterate to you that it’s not only important, it’s a must have by all webmasters. It’s pretty basic and simple but the lack of it is deadly to your online presence.

Imagine if you lose your website today simply by server meltdowns, DOS attacks, hacking problems, server hard disk crashes, suspension or deletion by your host and many other disastrous situations you wouldn’t want to imagine.

Are you ready for these? Are you ready to throw away that easily years/months of painstaking work, cash and time investments and earning potentials of your website(s)?

Online catastrophes can happen anytime, even now as you read this. It’s a sad reality that we, as webmasters, have to face daily. Murphy’s law can always work against you and me, you know that.

So, do you really have backups of your websites and databases? Do you have website insurance?

Remember, we are solely responsible for your websites. Not our webhost. Not our programmer friend. YOU and ME!

And lo and behold, backups are good for your health too. Backing up your websites not only will give you security but also peace of mind. Everyone wants to feel secure and calm. I am sure you want to sleep tight at night, right? It’s cool for the soul and great for the body.

What is Medicare Fraud?

Medicare fraud is purposely billing Medicare for services that were never provided or received.

Some examples of Medicare fraud include:

* Billling Medicare or another insurer for services or items you never got.

* Billing Medicare for services or equipment which are different from what you got.

* Use of another person’s Medicare card to get medical care, supplies, or equipment.

* Billing Medicare for home medical equipment after it has been returned.

Medicare Fraud Detection Tips

You should be suspicious if the provider tells you that:

* The test is free; he only needs your Medicare number for his records. NOTE: For clinical laboratory tests, there is no co-payment and a provider may in good faith state that the test is free, since there is not cost to the person with Medicare.

* Medicare wants you to have the item or service.

* They know how to get Medicare to pay for it.

* The more tests they provide the cheaper they are.

* The equipment or service is free; it won't cost you anything.

Be suspicious of providers that:

* Charge co-payments on clinical laboratory tests, and on Medicare covered preventive services such as PAP smears, prostate specific antigen (PSA) tests, or flu and pneumonia shots.

* Routinely waive co-payments on any services, other than those previously mentioned, without checking your ability to pay.

* Advertise "free" consultations to People with Medicare.

* Claim they represent Medicare.

* Use pressure or scare tactics to sell you high priced medical services or diagnostic tests.

* Bill Medicare for services you did not receive.

* Use telemarketing and door-to-door selling as marketing tools.

Medicare Fraud Prevention Tips

To help prevent Medicare fraud, you should report suspected instances of fraud. Whenever you receive a payment notice from Medicare, review it for errors. The payment notice shows what Medicare was billed for, what Medicare paid and what you owe. Make sure Medicare was not billed for health care services or medical supplies and equipment you did not receive.

The following is a list of tips to prevent fraud:

* Don't ever give out your Medicare Health Insurance Claim Number (on your Medicare card) except to your physician or other Medicare provider.

* Don't allow anyone, except appropriate medical professionals, to review your medical records or recommend services.

* Don't contact your physician to request a service that you do not need.

* Do be careful in accepting Medicare services that are represented as being free.

* Do be cautious when you are offered free testing or screening in exchange for your Medicare card number.

* Do be cautious of any provider who maintains they have been endorsed by the Federal government or by Medicare.

* Do avoid a provider of health care items or services who tells you that the item or service is not usually covered, but they know how to bill Medicare to get it paid.

Have a car? Then why not buy a car insurance policy! This policy will make sure that on any instance of accident or mishap; you can conveniently repair it or even purchase a car again without paying out much from your savings account. To avail a car insurance policy, you need to collect different free car insurance quotes from the car insurance providers.

Accidents, injury, mishaps--- are too dark references to mention and God forbid if any such things happen to anyone. But it is a fact that, these incidents might happen to any person on this planet. The wise thing is to handle and control these situations, instead of crying over spilt milk. Same is the case with cars--- a car might get stolen or get damaged because of accidents. Again you might also get injured or you might harm someone while you are on your joyful drive. These situations can trap you in any sort of hassles or legal liability and take away peace from you life. But with car insurance you can get out of this trap easily and comfortably. And a free car insurance quote will help you in availing this car insurance policy.

Unless and until you search the market, you will not get a policy that will suit your needs perfectly. So go searching now! You can take different car insurance quotes from a range of car insurance providers. If you are thinking that obtaining different car insurance quotes can cost you hundreds of pounds; then shrug off this tension from your life; because car insurance quotes can be availed for free.

With internet facilities, you can easily acquire information about various car insurance policies. The insurance companies have now established their own websites where they have put all the required amount of information regarding the coverage of car insurance policies. So you can visit these websites and accumulate the required information. Apart from information, you can obtain various car insurance quotes for free from these websites. And when you are contented that a particular policy is up to your expectations, you can, then and there buy that policy. Therefore obtain car insurance quotes from the internet for free and choose a suitable car insurance policy for you and your cars.

Having a pet in one’s household is a joyful experience. It can provide you with entertainment, companionship, love, loyalty etc. But it too can fall ill; and need regular health care. From falling from the stairs to allergies, routine check-ups to cancer treatments, there are numerous reasons which will require veterinary care for your pets. But because of the high costs of veterinary treatments, many people hesitate to undertake many treatments of their pets. But aren’t they part of your family? So why do injustice; just show them that you care and buy for them a pet health care insurance policy.

Pet health care is also important because unlike human health insurance pets are not provided with health insurance from the government. Again with the advancement of modern technologies many treatments have come up for the pets which are very expensive. With pet health care insurance, you can easily avail all these treatments and be a loving owner of your pets.

Pet health care insurance policies take care of your routine medical check-ups of your pets, vaccinations, emergency veterinary treatments, worming flea removing etc. It also takes care of their medical prescriptions. The cost of your pet health care insurance policy will depend on the amount of coverage that you will undertake for your pets. You may opt for only regular check-ups if you do not want to take up an extended coverage which will include emergency and dental treatments also or you can opt for the entire vaccination programs that your pet will need all round the year.

The pet health care insurance that you will purchase for your pets is just like your own health insurance policy with deductibles, co-payments, pre-existing conditions limitations and premiums to be paid monthly or annually.

Before buying a pet health care insurance, you need to do a detailed study of the companies that will provide you with pet health care insurance. You should also see whether your veterinarian will accept the insurance policy or not. You should compare the quotes of different providers of pet health care insurance policies. And then, buy a policy as according to your and your pet’s requirements.

Online method of shopping is gaining popularity now. Through this mode of shopping you can save some time and also some money. Buying a pet heath care insurance online is very easy. You just have to fill up a brief form describing the breed of your pet, its medical history and so on. So why not buy a pet health care insurance and show your pets that you care.

Your house will not be fully secured until and unless you have a home owner insurance policy. A home owner insurance policy will take care of any unforeseen events that might damage your house. Select a home owner insurance policy by getting free home insurance quotes.

A home owner insurance is a must buy if you own a house or have given it on rent. Your home is one of the biggest investments of your life. But any disaster can happen to your home at any time. With natural as well as man made disaster not just a possibility but an eventuality, a home owners insurance policy will make sure that you can now evade any kind of eventualities to your greatest asset—your home. The ideal way to avail a home owner insurance policy is to apply for a quote. Quotes are offered free of cost by different insurance companies, and through these quotes you can choose a perfect home owner insurance policy.

A normal home insurance policy will provide covers to

• The damage done to your home buildings. This may include the sheds and garages of your homes.

• Damage done to the contents of your house. This damage can be caused by water from water installations, fire etc.

• Liability protection. It means that if any person who does not belong to your home gets injured while in your home, then your home owner insurance quote will provide coverage for this.

To find a perfect home owner insurance policy, you need to undertake a thorough study of the policies that the companies provide. With this research you can get acquainted with the pros and cons of various home owner insurance policies. To avail a best home owner insurance policy, you need to apply for quotes from the companies. You can collect hundreds of such quotes and then you need to do a comparative study of all these quotes. When you are satisfied that a particular home insurance policy is suiting your needs and financial status, apply for that policy as soon as possible.

Now internet has come up with an easy solution to locate home owner insurance quote for your homes. By applying online you can get an instant home owner insurance quote. With this facility, now you need not physically visit the companies that will provide you with a homeowner insurance policy. You just have to sit in front of your computer and do the searching from the comfort of your home. So without delay get home owner insurance quote for free now and avail for yourself a perfect home owner insurance policy.

The healthcare industry in the United States is dominated by the culture of conventional Western medicine. And health insurance caters to those who control the industry: medical doctors and hospitals. There is a long history of prejudice against chiropractic by medical doctors, which is one reason that chiropractic care is not often covered by health insurance.

Many research studies have shown that chiropractic care is beneficial and that it is more cost effective in the treatment of low back pain and other common musculoskeletal conditions than traditional Western medicine is. Chiropractic also lowers health care costs by focusing on prevention, was well as on treatment.

It is surprising that health insurers choose not to cover treatment that is as beneficial and cost effective as chiropractic care is. Studies have continually shown that individuals who seek the care of a chiropractor on a regular basis are healthier and, generally, spend less on health care than those who do not.

Chiropractic Care and Consumers

What is not surprising is that consumers are wise enough to see the advantages of chiropractic care. Many people prefer to see a chiropractor simply because they see tangible benefits from the care they receive. Many others are disillusioned with traditional Western medicine and the healthcare system, and they look for alternatives such as chiropractic care.

It is clear, both from patient testimonies and from clinical research that consumers benefit from chiropractic care. Unfortunately, they may have difficulty affording chiropractic care because it's often excluded from healthcare insurance policies.

Health Savings Accounts can help consumers afford chiropractic care, even when it is excluded from their health insurance policy. They can pay for chiropractic care and other alternative medicine with pre-tax dollars by using a Health Savings Account.

Many chiropractors keep their costs as low as possible in order to make chiropractic care more available to consumers. They can, however, only absorb so much of the cost of providing that care. Another way chiropractors can help clients gain access to chiropractic care is to encourage the use of Health Savings Accounts.

Health Savings Accounts and Consumer Choice

The combination of a Health Savings Account and a High Deductible Health Insurance plan is supposed to encourage individuals to become thoughtful, wise consumers of health care. The individual is spending more of his or her own dollars on healthcare, so she will be more concerned about how those dollars are spent.

Health Savings Accounts give consumers more choice in how their healthcare dollars are spent. Money in the HSA must be spent on approved medical expenses, but there are really very few restrictions on what kind of healthcare you choose. More and more chiropractic patients are discovering that having an HSA is saving them money on their medical expenses.

Traditional health insurance has gatekeepers and controls. Even when chiropractic care is covered (not typical on individual plans), the individual requesting chiropractic care may be required to go see their family physician (or gatekeeper) and get a referral. Not all medical doctors will refer to chiropractors. If chiropractic care is covered on the health insurance plan, and if you can get a referral (which amounts to permission to see the chiropractor), there may be limits to the number and types of treatments you can receive.

Insurance rates continue to climb as disasters such as floods, wildfires, and hurricanes are factored in. Rate increases that are double, even triple the cost of living are common, putting added pressure on cash strapped families everywhere. Fortunately, you can get a handle on your insurance costs by following these important money saving tips.

Combine Various Policies. If you own a home and you own a vehicle then buy your insurance from the same insurance business. Some insurance companies recompense customers who choose to package their various insurance policies, by offering discounts as high as ten or fifteen percent.

Refrain From Poor Habits. Smoking, drinking, taking illicit drugs can work against you. If you live “clean” make certain your insurance broker knows this. Your rate will be reduced correspondingly with your good health report.

Reduce Your Deductibles. Maybe a $200 home insurance deduction is too low. If you can manage a deductible of $500 or $1000 you can significantly reduce your premium. You’ll pay more if a situation arises, but how often do you file a claim anyway?

Cover Your Small Losses. If you are considering what will likely be a small claim, give thought to not submitting this information to the insurance company. Claims made by you, whether small or large, can push up your rates or even cause your policy to be cancelled.

Special Discounts. Depending on your age, driving record, even your credit score, there are special discounts you can take that will reduce your premiums. If you aren’t receiving discounts…ask!

Scrutinize Your Policy. Every policy is correct, isn’t it? Don’t bet on it! A wrong zip code could have your insurer thinking that you live on the wrong side of the tracks…literally! Rates can fluctuate from neighborhood to neighborhood; make certain that your rates are in line with what your neighbors pay.

Pay It All Now. Save on your premiums by paying the entire invoice up front instead of monthly or quarterly. Insurers will add on an extra fee to your premium if you choose to spread out your payments over time.

You could also save yourself money by staying with one insurer as most will reward regular customers with loyalty discounts. Furthermore, it could benefit you to have an alarm installed in your car or in your home, especially if you reside in a high crime area or visit neighborhoods where your car could be vandalized.

Insurance

What is insurance? How do they insure that whatever you have insured is safe and protected or can be substituted by other means? What are the merits demerits of insurance? What are the types of insurance? These questions must tingle in your mind before going for a insurance, so here are some simplification from the views of a insurance agent.

I INTRODUCTION

Insurance is a contractual agreement in law and business that provides compensation by an insurer (insurance company) to an insured party (person or any company) if or when a particular situation occurs in particular circumstances. Such state of affairs possibly consist of death or personal grievance, mishap, joblessness or old age, lose control to of or harm to material goods, or such a number of instances that can be money-wise compensated. Several citizens who are uncovered to the threat of happening of an unpredicted incident make a payment of relatively small amount of money to the insurer, by which the insurer can conducts its operations by amassing those small amounts and create a fund that is used to compensate those insured who in reality undergo from such an occurrence. The contributions of the insured persons are called premiums. An agreement of cover is added in a policy that specifies the conditions under which the insurer agrees to assure the policyholder for loss in contemplation of the payment of a stated payment or payments.

II INSURANCE POLICIES

An insurance agreement habitually contains an aspect of unforeseen event, that is, the affair insured against must be feasible but not sure to take place in a known phase of time and must be considerably away from the command of either insured or insurer. Yet, this is undoubtedly not so in those conditions where, for example, insurance covers are used as a form of old-age income and the unforeseen events component of reaching a certain age is negligible. Normally, the amount of risks involved should be adequate to calculate the probability of happening of the affair based on the law of averages, and thereby to agree on the sum of premium essential. In toting up to the necessity that the threat is contingent, the policyholder have to usually have an insurable interest, that is, the policyholder must be one who would go through a bits and pieces loss by the occurrence of the incident. A plan in which the insured does not have an insurable interest would be deemed a betting bond and therefore should be voided; an instance of such a invalid policy is one by which a person insured the house of a unfamiliar person adjacent to risk of fire.

III PROTECTION

Insurance plays a key role in the current financial system, as long as methodical resources for the substitution of possessions misplaced or ruined and for supporting purchasing power badly affected by disease, damage, or passing away. In addition, the enormous treasuries accumulated by cover providing companies to meet probable claims are invested, thus providing industry with required finances for resources growth or supplementary investments.

Insurance companies the entire time hunt for supplementary business by providing insurance security in opposition to fresh types of hazards. The majority of usual homeowner policies do not guard in opposition to catastrophes, such as earthquakes, nuclear explosion or radio active radiations, combat, and any type of other perils. Form the beginning of insurance companies; however, insurance companies (firms) have provided a wider variety of coverage to their clients and it is now achievable to take cover in opposition to the majority eventualities.

IV TYPES OF INSURANCE

Perils habitually roofed by insurance comprise robbery and thievery, automobile crash, and untruthfulness of human resources (fidelity insurance). Forms of insurance such as life insurance (life cover) or maritime insurance are successfully complete subtypes of indemnity, with their individual norms. Insurance is also offered to wrap the additional rooms of credit and to undertake the designation to a property, or as element of a mortgage plan. In addition, focused types of insurance cover injure to glass, boilers and equipment, lifts, animals, and other possessions, as well as losses to possessions arising from lightning, blustery weather, tornadoes, hail, storms, insects, disease, assault, detonation, and water smash ups. a lot of insurance policies are widespread, that is, they cover up a collection of connected perils; but the majority also have omission clauses, detailing what measures are not enclosed by the procedure.

LAGGING PIPES AND TANKS

The reason we lag pipes and water tanks is because if they freeze the pipes expand and burst or damage joints. This is not a problem when the pipes are still frozen, the problems start when it thaws out and water comes pouring through your lounge ceiling just as you are about to sit down for your Christmas dinner.

About a third of all leaks we find are on customers' supply pipes.

HOW DO I AVOID BURST PIPES IN COLD WEATHER

Frozen pipes are the most common emergency in freezing weather. To prevent frozen pipes you should use good quality lagging materials, available from all DIY stores. Examine the condition of the insulation on pipes and tanks in the loft. Most tanks come nowadays enclosed with a lagging jacket or with a moulded lagging jacket. All pipes and tanks in the loft space, or anywhere else which may be liable to freezing, need to be lagged.

Pipes exposed to the elements will need waterproof insulation and do ensure all lagging is kept dry as wet lagging is useless.

Over the years I have seen numerous claims for water damage caused by burst water pipes. Believe me they can cause unimagineable grief to families, especially as they seem to happen at the most awkward time such as when people are away on a fortnights holiday and do not find it, until their return. Another popular time for frozen pipes to thaw out is while people are sleeping, which is very handy as the water has all night to pour through ceilings or whatever before being discovered,

Hot water pipes should also be lagged to conserve energy. Basically remember you need to lag pipes and tanks in unheated areas,especially the loft and insulate all exposed water pipes.

The Internet offers a world of luxury, and one of the most popular luxuries is the ability to shop from home. Sure, we’ve been able to shop from home for quite some time via magazines and television, but shopping on the Internet offers a different kind of shopping experience. Shopping on the Internet offers more time to thoroughly search for and read up on the product you intend to purchase.

These days, one of the products available for purchase on the Internet is insurance. Health insurance, life insurance, automobile insurance – all kinds of insurances are available for purchase on the Internet. With a simple mouse click, Americans can purchase insurance on the Internet; however, consumers need to realize that purchasing insurance on the Internet is comparably different than visiting an online auction site and buying a pair of jeans for half-price. If the jeans don’t fit, you’re out a few bucks and can give them away to someone else, or resell them to get your money back. If the insurance policy doesn’t fit, you’re out way more than a few bucks, you can’t pass it on to someone who may find it useful, and you definitely can’t resell it to get your money back.

You don’t have to avoid purchasing insurance on the Internet; as abovementioned, it can be quite a luxury. Still, you should do more research before you purchase an insurance policy on the Internet than you would before you purchase a pair of jeans.

You can research an insurance company by checking with your state’s insurance bureau and the Better Business Bureau to find out if the company can do business in your state, and the kinds of testimonials other customers have given. You can also check with independent research companies to find the ratings a particular company has been given.

Don’t deny yourself the luxury of shopping on the Internet, but you should safeguard yourself first.

Obtaining online home insurance quote is the best way to select and purchase a home insurance policy. Home insurance is a paramount requirement for those people who own a house or has given his house for rent. You save pounds after pounds to invest in your homes. Therefore you should make sure that it is taken of properly. And if some damage is done to your homes, you can easily, without spending much from your pockets, rebuild it or replace the contents of your homes.

There are different types of home insurance policies:

• Building insurances: to cover the building structure of the homes including garages, sheds, fences etc.

• Home contents insurance: to cover the belongings of the house if some damage is done to them because of fire, water, etc.

• Legal protection/ liability cover: anyone can get injured in your homes. To overcome any hurdles arising out of this, you can get this cover.

All these covers can be fully understood by getting quotes from different companies. No money is spent in procuring these quotes. So without any financial constraint you can compare these quotes and get the best one for you.

To find a suitable home insurance policy, it is advisable that you obtain various quotes from different insurance companies and later on search for the home insurance policy that will fully fit in to your financial status. You can compare these home insurance quotes, how much they will cost, how much will they cover etc. Since all these come for free, you can do it without spending any money from your pockets.

Many insurance companies now have their own websites. All the information required by any customer is available on their websites. So just by sitting in front of your PC and browsing though the pages, you can acquire all the required information about your home insurance policy. These companies will provide free home insurance quotes online. What you can do is that you can compare different quotes as provided by different companies through this online method. This comparison of different home insurance quotes online is just the work of a few minutes. This online method of acquiring quotes has made the lives of all people easy and comfortable. So you cannot afford to wait any more; get a home insurance quote online and locate all by yourself a perfect home insurance policy.

Most people are under the impression automobile insurance is the only kind of insurance that is a legal requirement in America – and, sometimes they’re correct. Health, life, long-term care – none of these kinds of insurances is a legal requirement. Homeowner’s insurance, on the other hand, is the exception. Sometimes homeowner’s insurance is a legal requirement, and sometimes homeowner’s insurance isn’t a legal requirement.

Purchasing homeowner’s insurance is a legal requirement when you’ve borrowed money from a lender, such as a bank, to pay for your home. When you borrow money from a lender, you are entering into a contract with that lender, and most often than not purchasing a homeowner’s insurance policy can be found in the terms and conditions. If your lender makes it a requirement for you to purchase homeowner’s insurance – and they usually do – then you must purchase homeowner’s insurance.

Why do lenders require you to purchase homeowner’s insurance? While you are the person who actually lives in the home, the lender is the party that actually owns the home; therefore, it’s understandable that the lender is going to take some serious interest when it comes to the condition of the home and the condition of anyone else in regards to the home. Should your house burn to the ground, your lender is stuck with a pile of charred ashes unless you have a homeowner’s insurance policy to cover the damages. Unless of course you are wealthy enough to repair your home yourself, from the ground up, which probably isn’t the case since you needed a loan to pay for the home in the first place.

The legal requirement of homeowner’s insurance may vary in your state, so be sure to check with your state’s insurance bureau. Even if your home is completely paid for and there’s no legal requirement for you to have a homeowner’s insurance policy, consider protecting yourself and your home with one, anyway.

How many times have you heard a male say words like this or similar. Me personally MANY TIMES. Men have this thing that, put a women behind the wheel of a car and it spells disaster. Guys YOU COULD NOT BE MORE WRONG. Ask the insurance companies, after all the proof of the pudding is in the eating.

Female drivers have far less accidents than men and when they do the costs are normally far less. Before you say"well yes, they are bound to have less accidents than men as there are more men than women driving". I agree if you are just talking about numbers but insurance companies don't work it out like that. They look at the number of males and females they insure and record the number of accidents and costs but also take into account the percentage of men and women insured by them to get an accurate picture.

On average a 17 year old male can cost £400 - 500 more than a 17 year old female to insure per year. So suddenly the guys are not smiling any more. Why is there the difference. The main reason guys,like it or not is GIRLS AT 17 ARE MORE MATURE THAN YOU. Normally if you see a 17 year old girl driving she may have a friend or whatever with her and is often still driving like she did when she was learning. Take a 17 year old male however and once many of them have passed their test they go into a new mode its called Boy Racer Mode. Whether this is to impress the ladies or their mates, I am unsure. What I do know is they tend to load their cars up with 4 or 5 mates and demonstrate how high they can fly over traffic humps, how much smoke they can make in a handbrake turn,how their car is powerful enough to overtake in a shorter safety margin than anyone else's,etc,etc. Problem is when they do have an accident it is often not just them claiming it is the 4 others in the car (I didn't think they would claim as they are my friends) who have seen all the Claims R Us type adverts and been told by their mates that they can claim thousands of pound if they say they have a cricked neck.

Generally females tend to drive a lot slower than men, possibly because I think males are born drivers and maybe do not see the dangers as much as the ladies.

Don't get me wrong on this, I am no angel when it comes to criticising women drivers. Over the years I have done my share but as I have got older I have taken the time to stand back and think and yes ladies I put my hands up and stand back and admit that I am sorry for what I may have said about you because in the majority of cases I was probably wrong.

Finally guys, I am sure there are still some of you who think I am wrong and no matter what I say you will still think women drivers are the scourge of the earth. let me ask you this then. Why at present are lots of insurance companies (who are not renowned for spending money) spending an absolute fortune on advertising insurance ESPECIALLY FOR (yes you've guessed it) LADIES.

Any young occupant of a corporate workplace who has had their PC crash knows the feeling of dread when the IT expert emerges from the basement, rambles into the cubicle and says "Alright. What did you do?" It seems, however, that has IT has absorbed the science of networking and has also grown increasingly complex, liability for software firms, IT firms and internet businesses has become an issue that transcends the cubicle occupant.

Technology insurance is in essence liability insurance. It is designed to protect software and IT companies whose programming errors result in business setbacks for corporations using their products and services. Further, technology insurance refers to policies that protect internet businesses from unauthorized release of private information held on their servers. There are some principal categories of technology insurance that mirror, to some degree, the general categories of business liability.

• Technology errors and omissions insurance provides protection if your software or programming fails to perform as promised, or if errors in programming or product structure result in major client problems. "Cyber liability" in general addresses first- and third-party risks associated with e-business, the Internet, networks and informational assets

• Directors and Officers liability insurance is now available to those functioning in the startup and IPO arena. This insurance covers the principal players not in established firms so much as in those that fail to deliver the commercial success that early investors anticipated.

More specific forms of technology insurance include specific policies relating to:

• Network management
• Computer consulting
• Online transactional business
• Disaster recovery
• Data processing/programming services
• Intellectual property insurance

With any liability insurance policy, the question of how much you need is directly related to how much you are protecting in the way of assets. One of the important components of liability insurance in any of these fields is coverage for legal expenses. Businesses attempting to quantify damage to their functionality and put a price to their losses as a result of digital malfunction are going to be faced with a complicated burden of proof. Obscure issues generally mean longer periods of deliberation and higher legal bills.

In the case of protection from online theft from hackers, the liability parameters for those sorts of incidents remain largely undefined. There have been no major cases where awards were made in class actions due to the release of thousands of individual's private records.

Websites that provide a platform for online business transactions usually have a policy agreement that users must read and check off before they can utilize the site. That probably cuts down on frivolous lawsuits over sour transactions, but it does not provide anything like complete protection for the site operator.

This is "first person and third person" coverage that is somewhat different from standard product liability insurance because the only product the site provides is the transaction platform itself. Nevertheless, insurance covers the inevitable legal activity that any business involved in any fashion with a high volume of transactions is going to encounter.

The answer to "how much should I have?" is "consult your broker." Liability insurance hasn't changed; only the tools for mismanagement and the types of errors have changed. A good insurance broker can assess what coverage is necessary and clauses are "window dressing" provided by the underwriter.

For many people and businesses insurance is something they would rather not have to purchase.

Most people don’t want Insurance. Most people don’t like insurance.

What you probably do want is protection for your family, your loved ones, your business and the things that are most important to you. The mere mention of Insurance may very well make a vast number of people think of words like:

Rip-off, too expensive, waste of money, doesn’t pay claims, annoying, boring and some much worse!

The truth is though for most people and businesses Insurance is required as it provides them with protection and peace of mind.

With literally thousands of insurance companies, brokers and providers you are faced with a massive choice. So faced with decisions at every turn finding the right cover for you, your Nursery, Pre-School or Kindergarten is sometimes difficult.

This article will therefore give you some free advice that insurance providers rarely share with their customers. These few steps should help you in your quest to find the cover that is best for you at the right premium and with the best service.

Secret Number 1

The first secret to making sure you get the right cover at the right premium is perhaps the one that most people will find hardest to believe but it really works.

Are you sitting comfortably??? Here it is:

When you find yourself ringing around for quotes (and for anyone looking for Nursery Insurance I would recommend buying face to face or on the phone rather than online) the chances are you will be asked “What’s your current premium?” or “What’s the best price you’ve had?”

The single biggest mistake people make when asked this question is to not tell the person asking the question. That’s right, when you are asked the best price you’ve had TELL THEM.

Most people assume that by telling an insurance provider your premium you are at a disadvantage. The truth is the opposite is true. Let me explain:

If you tell a good insurance provider your premium they should pretty much know straight away whether the premium is too high, too low or about right. Armed with this information they could give you an immediate indication if they can get a lower premium. If they know they can’t they can tell you and save you time.

Another reason you should tell the person if they ask your premium is because the vast majority of insurance companies won’t give you the best price unless they have something to beat. Let me say that again, if you don’t give your broker or company a price to beat, the chances are you won’t get the best premium. However, if you do tell them, they can use this information when dealing with the insurance company which ultimately can save you money.

One final tip on this matter is, don’t be tempted to make up a price. For example, Mrs Blogs is looking for Nursery Insurance and she has a best price of £2500.00. She thinks it’s too much money so when asked the magic question of “What’s the best price you’ve had so far?” she decides to go in low at £1800.00. By doing this most companies will know the price seems low and many won’t even provide a quote. Whereas had Mrs Blogs been up front and said £2500.00 there’s every chance she could have saved some money.

Therefore Secret Number 1 is be totally honest when looking for insurance as it’s the best way to make sure you get the best premium. Give it a go...it really works.

Secret Number 2

Secret number 2 is common sense but so many Nurseries fail to make sure it happens because they are focusing on the price. The second way to ensure you get the right cover is therefore to use an insurance provider who has an understanding of your requirements.

You can establish this by listening to what questions they ask, how they ask them and how they react to what you are saying. If they enter into a conversation about your Nursery it’s likely to be because the more information they have about your circumstances, the better cover, the better premium and the better service they can provide you.

If the conversation is very scripted and they either don’t understand what you’re looking for or don’t ask the type of questions you would expect there is every chance it’s because they don’t have a real understanding of your business. If this is the case you risk not getting the right cover and ultimately not being correctly insured.

Secret Number 3

Secret number 3 is ask questions. So many people ring around looking for Nursery insurance, Pre-School Insurance or Kindergarten Insurance and spend the entire conversation answering questions. Secret 3 is therefore ask questions to find out if they provide not only the right cover and premiums but also the right level of customer service. Types of question you might want to ask are:

In the event of a claim what will they do to help you and to ensure your claim is settled as quickly and as favourably as possible? Do they just give you a telephone number and leave you to it or do they offer help when you most need it? Are they experienced? How long have they been trading? If it’s a Broker, which Insurance companies do they use? Again, if they are Brokers are they independent? That is, do they have access to numerous policies and insurance companies or are they tied into just one?

Home Sale Services, Inc. (www.homesaleserviceinc.com) has launched a series of articles addressing the costs of real estate settlement. The second article in the series pertains to Title Insurance.

One of the costs of a real estate purchase is title insurance. Title insurance is required by all lenders in Pennsylvania when providing funds (mortgages) to purchase real estate. It insures that the title to the real estate is free from any claims affecting the purchaser’s ownership. It protects the owner, and the lender, from losses incurred by past mortgages and debts, judgments, mechanics liens, divorces, defects in title, documents misplaced in courthouses, boundary line disputes, unpaid taxes, and other concealed problems, like forgery or other frauds.

WHAT IS THE COST?

In Pennsylvania title insurance rates have been set by the state legislature. The premium is generally calculated on the value of the interest, which you are purchasing. An owner’s policy is issued at the time of the purchase of the property and is based upon the full consideration, including the aggregate unpaid principal sum of any mortgages or other liens, claims, taxes and any other municipal charges not being paid. A policy may be issued in an amount in excess of the full consideration where agreed to by the insurer and the insured.

The title insurance rate comes in three varieties. If a property has not had title insurance within the past ten years, the title insurance rate is the “Basic Rate.” A purchaser of a title insurance policy shall be entitled to a less expensive rate, called the “Reissue Rate” if the property to be insured is identical to or is part of property which had obtained title insurance within the past ten years immediately prior to the date of the insured transaction.

There is a third, and lower rate and that is applicable to subdivision or condominium regimes. This rate is employed when title insurance has been issued to a builder within ten years of the title insurance being applied for and the builder sells completed units out of the subdivision or the planned unit development, cooperative or condominium. In this instance, the charge is 90% of the reissue rate. Attached to this article are examples of title insurance rates for properties valued between $250,000.00 and $500,000.00. Home Sale Services would be happy to provide information as to charges below $250,000.00 and above $500,000.00 or any other questions concerning rates. Call 610-489-3656.

SPECIAL TITLE INSURANCE RATES

There are a number of other, less frequently, used rates which apply in particular circumstances. One of those is when a loan policy is to be issued within four years of the date of the previously insured mortgage or fee interest and the premises to be insured are identical to, are part of, the real property previously insured, and there has been no change in the fee simple ownership. If all those criteria are met, and the new loan policy is within two years of the original title insurance issue date, the new policy is 70% of the reissue rate and if it is between two and four years of the original title insurance issue date, it is 80% of the reissue rate.

When a policy has been issued on a construction loan mortgage and within six months from completion of the building, the same mortgagor executes a new mortgage, the charge shall be 50% of the reissue rate, provided that the new policy is being issued by the same insurer which issued the previous construction loan policy.

Title insurance may be issued for a leasehold estate and in that instance, the amount of the insurance must be equal to:

A. The aggregate of the total rentals payable under the lease; or

B. the aggregate of the total rentals for the six years immediately following the settlement or closing of the lease transaction; or

C. a reasonable statement of estimated rents on percentage leases; or

D. the appraised value at the time of insuring the premises as established by an appraiser acceptable to the insurer; or

E. the land and total projects costs of such proposed improvements in the case of proposed construction; or

F. the purchase price of the estate when insuring an assignment of a leasehold estate, including all obligations assumed.

In addition to the basic title insurance rates, all title insurance companies issue endorsements that provide coverage for specialized property issues such as survey exceptions and condominium concerns and most lending institutions require two or three endorsements at every settlement. The endorsements are subject to additional charges to the title insurance applicant (Buyer). Those charges will be the subject of the next article in this series of memos addressing the costs of a real estate settlement.

Home Sale Services, Inc., (www.homesaleserviceinc.com), is a company which writes Agreements of Sale for clients who are not utilizing real estate brokers to handle their sale or purchase of a home. The company specializes in assisting you with the sale or purchase of your home. We charge a flat fee for services rendered. We are not real estate brokers. We are staffed by attorneys and personnel experienced in the home sale industry. We limit our services to Pennsylvania and further to the following counties in Pennsylvania: Montgomery, Chester, Berks, Bucks and Delaware Counties. Home Sale Services provides a professionally drawn Agreement of Sale and the mandatory Seller’s Property Disclosure Statement required by Pennsylvania. The flat fee for this service is $750.00.

In this day when companies are facing layoffs, buyouts, and other financial difficulties, it may be difficult to hold on to a good health insurance policy. Thanks to the government, however, there has been a couple of programs that will allow you to keep the same coverage you had before your situation changed - if you act soon enough. Here are some things you need to know about the COBRA program that could enable you to enjoy the same health insurance coverage you had.

COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act, enables you to keep the same coverage for up to 18 months. In some cases, this time period may be extended for an even longer period of time for dependents.

Qualifying Events

In order to qualify for this program, participants have to meet certain qualifications. The good news is that the conditions for COBRA are rather lenient. If you were an employee, and are now out of work, you may qualify - even if you were fired, or laid off. The exception is if you were extremely negligent in your duties, or performed some act of misconduct that got you fired.

Other qualifying situations may occur in the event of a divorce or the death of the employee. Sometimes there may also be a separation involved, or the employee may retire, or go on Medicare. In cases like this the coverage may be extended for periods up to 36 months. One situation, however, where coverage will not be given, is in the event that the company goes out of business. In that event, though, you may still be able to get your health insurance coverage through HIPAA.

Application Time Is Limited

After a qualifying event occurs, you need to act rather fast because there is not a lot of time given in which you need to apply for the COBRA program. You must act within 30 days of the event by informing the insurance plan administrator (the employer) of your intent to continue the coverage. It is best that you do it in writing - for your own records. After you notify them, they will send you a letter within 14 days, and then you have up to 60 days to decide if you will accept the COBRA coverage.

The Premiums

While you are able to continue the coverage that you had prior to the event, there is a major difference that also takes place. Whereas the employer paid a part of the premiums previously - now it becomes entirely up to you to meet the full price. So, there may be a little sticker shock, because it will not be cheap. Since group insurance is usually much less expensive, you may be surprised at just how much the employer was paying.