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  • admin 10:53 pm on March 3, 2015 Permalink  

    Florida home insurance 

    Three things you should be looking for in a Florida home insurance company

    Trying to find the right Florida home insurance plan, policy, and coverage level can be a nightmare scenario – but it doesn’t have to be.

    In fact, the entire process can be downright simple and straightforward, as times have changed dramatically from the days of 1992 when Hurricane Andrew came through and just about blew every single insurance agency out of the state of Florida – along with literally millions and millions of dollars’ worth of personal and public property.

    Here are just a few things that you’ll want to look for in your new Florida home insurance company from, to not only receive the type of coverage that you deserve – but also to get the best value for your dollar.

    Reputation in the local community

    One of the most important things for you to really zero in on (and something that is absolutely overlooked time and time again as far as Florida home insurance criteria are concerned) is the type of reputation that this specific insurance agency or company enjoys in the local community.

    Though you are going to get all different kinds of reactions to the major national insurance agencies that offer Florida home insurance plans (and most of those should be discredited – after all, it matters little to you how someone in Kansas was treated if you’re looking for insurance in Florida), you need to really focus in on the reputation of local insurance agents and agencies as much as you can

    Always be wary of moving forward with local insurance agencies that do not have sterling silver reputations in the communities that they serve.

    The longevity of their specific Florida home insurance solutions

    Next, you’re going to want to make sure that you are moving forward with a Florida home insurance solution that has not only had long ties to the state of Florida (at least all the way back till 1992 – and hopefully even further than that), but also has a dedication to sticking around in Florida for years and years to come.

    After all, it would make very little financial sense to spend any money whatsoever on a Florida home insurance policy or plan when the company could up and disappear tomorrow – and it always makes little sense to move forward with a fly-by-night operation, regardless of whether or not they are in the Florida home insurance world or not.

    The financial stability that this specific Florida home insurance agency enjoys

    Finally, you’ll want to look into the financial stability of a Florida home insurance agency before you decide to “sign on the dotted line”.

    This is going to take at least a little bit of extra research, and is probably a step or two beyond what you had anticipated taking on – but it’s going to pay a tremendous amount of dividends in the future. You don’t want to join a sinking ship, contributing directly to their cash flow problems right before they pull the rug out from underneath you!

  • admin 1:35 pm on September 10, 2014 Permalink  

    How to compare different health insurance plans to make sure that you’re getting the coverage (and price) you deserve 

    If you’ve been paying any attention whatsoever to the news as of late (or for the last five or six years, for that matter), you’ve probably seen all of the very heated battles that are going on in regards to health insurance in the United States.

    ObamaCare continues to change and shift underneath our feet on an almost daily basis, with different extensions, different rules, and different deadlines (not to mention a completely broken website and exchange system) creating anything but confidence in the health insurance world.

    However, we need to make sure that we are still protecting ourselves, protecting our families, and protecting our future by getting the right health insurance that we need – which is why you’ll want to pay close attention to this information before moving forward.

    Get regular checkups before you invest in it expensive insurance

    One of the very best ways to make sure that you are getting the right insurance is to get regular checkups ahead of choosing a specific insurance policy.

    While this used to be absolutely terrible advice in the past, ObamaCare has actually guaranteed that anyone with a pre-existing condition will still be able to get the kind of health insurance that they need – you cannot be disqualified if you discover a major medical problem when you don’t have insurance.

    Regular checkups are relatively inexpensive, and can keep you from locking yourself into a ridiculously high monthly payment – only getting yourself health insurance when you need it most.

    Always – ALWAYS – investigate at least five different insurance options before moving forward

    Depending upon your specific state, there are going to be any different number of ways that you can compare health insurance and health insurance policies. You’re going to want to make sure that you take full advantage of any of these opportunities, including the national ObamaCare website. If you are short on time, simply visit an online company like where they will be able to quote you for all the major companies at once.

    These health connector type websites are going to allow you to compare and contrast multiple plans at the exact same time, not only looking at the different costs that each of them will require of you, but also explaining to you completely the type of coverage that you can expect, the type of doctors that you’ll be able to work with in your local area, and any other key factors that may play a major (or minor) role in your decision-making process.

    Obviously, the more options that you can compare and contrast the more difficult the inevitable decision will be, which is why you’ll want to keep it to around a handful or more. However, the more information that you have the better off you’ll be in the long run – which is why you might even want to consider speaking directly with healthcare professionals through any of the support service numbers you can find online or on those health connector websites.

    These professionals will be able to guide you through the entire process (from start to finish), giving you the peace of mind and confidence you need a knowing that you are completely and totally protected when it comes to healthcare and health insurance.

  • admin 1:29 am on April 15, 2014 Permalink  

    Florida Homeowners Insurance for Trampolines 

    We all want to have the best for our children, the best toys, the best gym sets, and bikes to allow them to play and experience all that the world has to offer.  Giving our children the best also includes larger equipment like trampolines.  Trampolines have a unique place in our children’s development.  They are both fun to play on yet there are risks involved so we must take precautions to safeguard our children.  There are also risks when it comes to protecting our homes in the event of an accident and this is why Florida homeowners insurance for trampolines becomes a difficult subject.

    Trampoline benefits

    There are numerous health benefits to jumping on a trampoline from boosting your immune system to weight loss and jumping for exercise.  When your body is jumping on a trampoline in causes your body to experience a period of weightlessness at the top of the bounce, this weightless feeling causes your body to relax which results in reducing stress in the body and making it a great way to relieve the tension of a long day.  Jumping on a trampoline also helps to treat forms of arthritis by encouraging the joints to move more fluidly and reducing the stress on the joints.  Trampoline exercise helps to build muscle strength and balance in young children as they walk around the springy surface.  Even pets enjoy the fun of bouncing on a trampoline and have entertained us with online videos of their antics.  Protecting these benefits is the reason it is important for Florida homeowner insurance | to be purchased.

    Risks of trampolines

    There are specific risks with owning a trampoline and it’s important to take precautions to reduce the chance of injury.  There is the chance of falling while jumping and landing incorrectly on any body part causing injury.  There is the chance of falling off of the trampoline and being injured as well.  With regular use children also grow brave and could misuse the trampoline for things like jumping into a pool or over a fence, both with high chance of injury.  To protect all trampoline users from the chance of being injured there are safeguards that can be put in place including safety fences around the entire trampoline with only a single door opening or safety pads can be placed around the trampoline as well.  It is important that the trampoline always be used correctly and be on level ground and always watch that the equipment is not worn or tearing to ensure no accidents.

    Monitor the trampoline users

    Just like pools, it is important to prevent unauthorized users from accessing the trampoline.  This is one of the biggest issues with Florida homeowners insurance for trampolines.  If you do not have a locked yard then it will be difficult to prevent unauthorized children from accessing the trampoline and potentially injuring themselves using the trampoline without your permission.

    There are benefits and risks to having a trampoline and all of these areas must be considered when you buy Florida homeowners insurance for trampolines.

  • admin 2:19 pm on December 11, 2013 Permalink  

    Which Kind of Life Insurance is Right For Me? 

    Buying life insurance from someone like is one of the most important things you can do to ensure that your family can maintain their standard of living in the event something happens to you or your spouse. This article will help you understand the kinds of life insurance that are available to you and the pros and cons of each type.

    There Are Two Main Types of Life Insurance

    The two kinds of life insurance are whole life and term life. The differences in the policies primarily come down to the ability to accrue cash value and the length of the policy.

    Whole Life

    Whole life policies have higher premiums than term insurance. These policies stay in force for your entire life as long as you continue to make your scheduled payments. These policies allow you to reinvest your premium payments into a variety of investments (stocks, bonds, money market accounts) so that as you hold the policy it builds up a cash value. One of the nice features is that, over time, this will allow your policy to have a cash value which could exceed the amount of your covered benefit. If you can afford to hold a policy until you retire, this cash value may provide a nice supplement to your income. This cash value (also called the surrender value) will only be available in its entirety if you hold the policy for a set period of times, typically 10-12 years.

    There are other, less expensive investment options. So your first consideration with a whole life policy is if you will be able to afford the premiums over time.

    Term Life

    As its name implies, term life is a type of life insurance that you hold for a specific period of time. Because the cost of the policy is just the cost of the insurance, and because there is no investment component, you can get a term life policy for significantly less than you would pay for a whole life policy. Many consumers find that they can purchase more insurance coverage which can provide additional peace of mind. You can generally define the number of years you want to hold the policy. For example, you may want to hold the policy until you retire, and then switch to a new, less expensive policy that would cover your empty nest in retirement. This is a difference from whole life which you would either have to cash out or continue to pay a high premium.

    One caveat about term insurance, it is cheaper the younger you are. As you get older, the cost difference between the types of policies can narrow considerably, so it’s good to open a term life policy while you’re young.

    How Much Coverage Do I Need?

    This is a great question that doesn’t have an easy answer. A good rule of thumb is to consider the amount of insurance that you think your surviving spouse would need to live comfortably, them multiply that amount by the number of years you think they would need the insurance benefit. By this I mean, for example, that if you have a spouse that currently does not work, it is not unreasonable to expect that over time, they will want and seek employment, particularly as children get older.

    So by this measure if you figure your spouse would need $50,000/year for about 5 years you would want to consider a $250,000 policy. But that’s just where your calculation starts; you also need to consider your current housing situation. Many people look at insurance as a way to ensure that their family can stay in their house. So you should make sure there is enough in the policy to allow the house to be paid off.

    And parents with children also may want to ensure that there would be enough money to finance or at least begin to finance a child’s college education. That’s why you can start easily seeing policies get to $500,000 or even $1,000,000. You are not insuring yourself against what will happen, but what may happen.

    Can I Afford It?

    Life insurance is based on a risk premium. Simply put, insurers understand, and count on, many policy owners to outlive their policy. That means they will not have to pay out that $250,000 or $500,000 to every policy holder. This allows them to make premiums affordable.

    Something to remember is that the healthier you are the better rate you’ll get. While this may not sound fair, you have to remember that insurers are insuring against predictable risk. For an insurer, this includes taking into account your overall health. People who are at a high risk for a life-threatening medical condition (e.g. if you smoke, if you are significantly overweight, etc) you will have to pay higher premiums then those that do not have those risk factors.

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