Last week we examined four discounts that lower the cost of home insurance including: A home’s age, Account / multi-policy discount, Alarm / protective devices and Mature homeowner discount. Here are 9 more ways to help reduce the cost of your home insurance.
On December 18th of last year, a New York arbitrator ordered Ex-Miss Pennsylvania Sheena Monnin to pay $5 million in damages to Donald Trump who owns the Miss Universe Organization which includes the Miss USA pageant. Earlier in the year, Trump sued Ms. Monnin for defamation on behalf of the Miss Universe Organization after she claimed the Miss USA pageant outcome was rigged on both Facebook and NBC’s “Today” show.
Everyone I talk with about car insurance is l looking to pay less whether they are reviewing their renewal notice or shopping for a new policy. With that in mind, here is a smorgasbord of discounts that will help you keep some of your hard earned money.
?There are several insurance related bills before the 2013 Texas Legislative session covering a broad spectrum of issues. There are also a few that aren’t really related to insurance but I’ve included them either because I’ve blogged on them last year or they are related to our overall safety and privacy.
Drought continues to cling to the western states. Mountain snowfall has been thin through much of the winter months and water levels in many lakes and reservoirs have less water than they did a year ago. Parts of Colorado have been declared extreme drought areas. Our neighbors to the north in Oklahoma and Nebraska are facing rainfall deficits of up to 16 inches with 55.8 % of the United States remaining in drought conditions. Unless spring snow and rainfall picks up, it could be a long hot summer.
Every year, I like to review the current state of personal insurance for Texas. Personal insurance is what most individuals and families concern themselves with. It includes car, home (condo & town homes), renters, and umbrella insurance policies. The goal is to help most people keep their finger on the pulse of what’s happening. An informed consumer is a powerful force!
I’ve worked with several people over the past few days quoting their car insurance. Ultimately we’re hoping to provide equal or better coverage for them for less money than they’re currently paying. I’ve been able to save several of them anywhere from $100 to $1,000 a year. There were two we couldn’t help. For them, it would have cost them more to have me write their car insurance than to stay with their current insurance company. I told them to stay with their current insurance company. The reason was ticket activity.
?Texas funds two insurance related agencies through our property taxes and other taxes that are levied on individuals and businesses; The Texas Department of Insurance and The Texas Office of Public Insurance Counsel. The roles of these two agencies differ in some key areas and converge where most Texans are concerned.
?On the evening of March 1, 2013, a sinkhole opened up under the home of Jeff Bush in Seffner, Florida. It opened in a matter of seconds resulting in the floor underneath Bush’s bedroom giving way. Attempts to rescue Bush failed and he was presumed dead in the days that followed. The home was demolished a few days later.
It’s tax season! If you haven’t already filed, you have 38 more days before it’s due. For most filers, this is a busy time. I’m pulling my information together and organizing it for my CPA to make his job a little easier when we meet next week. This is also a busy time for identity thieves. While they never rest, they love this time of year. The amount of data on our returns is truly amazing.
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