Before you set out for your Louisiana home owner insurance quote, prepare yourself for the kinds of questions insurance companies that specialize in home owner insurance policies, especially Louisiana home owner insurance policies, will ask you.

First, you’ll most likely be asked your address. The insurance company may require your full address at first, or it may only require your zip code; however, where in Louisiana you live is important when deciding your Louisiana home owner insurance code.

You’ll also be asked if you want insurance for your home, your condo, a townhouse, a place you rent yourself, or a place you rent to others. This helps the insurance company determine what risks are on the table, as well as coverage you’ll need and want. For example, if you own a home, you may want Louisiana home owner insurance to protect your home and your contents; whereas, if you rent an apartment, you may only want insurance to cover the contents.

Next, the insurance company will ask for information about the home itself, including its age, levels of floors, adjacent buildings such as garages, basement type, roof condition, as well as overall condition of electrical and plumbing systems. Further information will be requested upon the answers to these questions to help the insurance company determine the amount of coverage you’ll need based on the strength and security of your home. Questions that follow may include questions about add-ons and perks such as deadbolts, fire extinguishers, nearby fire hydrants, saunas, hot tubs, and even pets.

The answers to some of these questions are unavoidable; if your home is made of brick, it’s made of brick. If you have a certain number of floors, you have a certain number of floors. You get the idea. However, you can get a cheaper Louisiana home owner insurance quote by making changes such as security upgrades, electrical and plumbing upgrades, and even upgrading your roof.

No one looks forward to the day they need to tell a parent, or both parents, that it is probably time to stop driving. Even if their driving skills have become dull and dangerous, no one wants to tell an older person they should no longer drive, or that their driving abilities have reached a point that they are possibly putting themselves, and others, at risk when driving. No one wants to have to take that freedom away from them.

However, confronting an older driver, whether the older driver is a parent, a grandparent, or even an aunt or uncle, always climbs near the top of the list of family concerns at some point, and older drivers do not always understand that their family members are simply concerned about their safety.

One way to ease your family concerns about older drivers is to help prevent, or at least slow down, the deterioration of their driving skills. Before you jump the gun and start reaching for the keys before the older driver even starts showing signs of deteriorating driving skills, allow the older driver to practice driving. Keep an eye on him or her, and watch for what may be signs of weakening driving skills. If you seen any, offer to take a driver with the older driver, and help him or her strengthen those driving skills.

Also consider contacting your automotive insurance company. Many automotive insurance companies have programs designed to help “re-teach,” or sharpen, the driving skills of older drivers. These programs are beneficial not only to older drivers who may be losing their touch, but also to older drivers who simply want to stay on top of the game, so to speak. Automotive insurance companies offer these programs in order to help keep everyone – drivers, passengers, and pedestrians alike – safe on and near the roads, and by keeping everyone safe, automobile insurance policies can also be kept low.

As a solicitor, lawyer or someone responsible to sorting out Solicitor Insurance you’ll know the importance of October 1st in the calendar as it’s the date in which you need Solicitors Professional Indemnity Insurance in force to continue practicing.

With this date firmly in mind you’ll therefore appreciate the importance of getting your solicitor insurance sorted well in advance so you can relax in the knowledge that it’s sorted and out of the way (for another year at least).

This fourth and final secret to getting the best deal on your solicitors insurance is another that at first glance may not seem right but in order to get the best value for money it is one you may want to consider.

Secret number 4 is therefore don’t assume the cheapest premium is the best. Don’t get me wrong getting a good premium (and saving money on your solicitor insurance) is what we’re all looking for but a really cheap premium without a number of other factors is probably cheap for a reason.

Some things you may want to look for in addition to a competitive premium include:

Have you heard of the insurance broker and/or insurance company?

Are they local?

Are they friendly and approachable (remember we all like doing business with people we like and feel we can trust)?

What is the excess? Make sure the excess is one you agree on and one you can afford and not one just given to you to reduce the premium

Do they have a good reputation?

Do they offer you advice or seem to have some understanding of your business and solicitor insurance?

Do they listen to you and explain things in a way you can understand? The insurance industry is filled with jargon so make sure the company you choose explains things clearly so you know what cover you’ve got, what you have to do in the event of a claim and how they will work for you.

The run up to October 1st can be a stressful time for solicitors as many play the waiting game in the hope that insurance premiums will fall and they can benefit from premium savings.

And whether you and your firm falls into this camp or the other type of firm who prefers to get their solicitor professional indemnity insurance sorted in good time you have nothing to fear.

If you follow any of these secrets to getting the best deal on your solicitor insurance then the chances are your insurance dealings will be easier, the time you save can be put to better use elsewhere and the premiums you pay will be less than ever before.

Pinch punch first day of the month, no returns. Well for solicitors and lawyers looking for Solicitor Insurance on October 1st each year (the date when most policies are due for renewal) the Solicitors Insurance season often brings with it a fight between various insurance brokers and insurance companies fighting for a slice of the Solicitor Insurance PI (well the Professional Indemnity Insurance PI anyway).

One of the UK’s Leading Solicitor Insurance Brokers has however produced 4 Secrets that if followed could mean solicitors and legal firms can benefit from saving time, saving money and not having to deal with any pinches or punches – and no returns!

This article looks at the third secret in a series of 4 which solicitors looking for the best deal on their Solicitor Insurance should read. Here goes:

Secrets 1 and 2 focused on being honest regarding price and making sure you use experts to provide your Solicitor Professional Indemnity Insurance. Secret number 3 though actually looks at something you can do to make sure you find the right insurance provider and ultimately the right policy for the right price.

The third secret is to making sure you get the best deal and service is to ask questions. So many solicitors, lawyers and people in the legal profession ring around looking for solicitor insurance and spend the entire conversation answering questions. Secret 3 is therefore to ask questions to find out if the insurance provider you are speaking to not only offers you 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?

By getting answers to these questions you can then a make a decision on whether you would like to deal with them (and whether you trust them to act on your behalf). We all prefer to do business with people and firms we trust and like so ask question and make sure you and your firm gets the best deal and service possible when buying your Solicitor Insurance.

For lawyers, solicitors and legal professionals the date of October 1st is perhaps more memorable than for most as it’s the date in which their Solicitors Insurance and Professional Indemnity Insurance is due for renewal.

And as people in the legal trade are extremely busy people one of the UK’s Leading Solicitor Insurance Brokers have produced 4 Secrets for firms looking for Solicitors Insurance. Secrets that when used can save solicitors and lawyers time and money on their Solicitor Professional Indemnity Insurance.

This article looks at Secret number 2 which is based around making sure you use a specialist or expert to sort out your firms insurance. Here goes:

Secret number 2 to getting the best deal on your Solicitor Insurance really is common sense but you’d be amazed how many law firms and solicitors fail to make sure it happens as they are just focusing on the price. The second secret for a happier October 1st is therefore make sure you use an insurance broker or insurance company who understands the Solicitor Insurance market and who understands your needs.

You can establish this in a number of different ways including:

What type of questions do they ask?

How do they ask them?

How do they react to what you’re saying?

Do they enter into a conversion about your business? (it’s good if they do because the more they understand you and your needs the better cover, premium and service they might provide)

Is the conversation very scripted?

Do they have a website? And if so does even mentioned how you can benefit by using them for your Solicitors Insurance?

Find the answer to these types of question and the chances are the insurance provider you choose for this years Solicitor Insurance may well be able to save you time, save you money and make sure you and your firm gets the Solicitor Professional Indemnity Insurance protection you need.