Tuesday, 20 April 2010

Rumors are bad when it comes to home insurance

People like to spear rumors they invent. This is a commonly known fact. Sometimes it gets to the point that rumors turn into myths that haunt people and get stuck in their head for ages. In order to get rid of these untrue myths one has to dig deeper into situation and try to find the truth. But we don't think we need this. It is easier to believe what others say and what we hear around. Here in this article we will discuss the most famous and commonly- spread rumors on insurances related to homes.

They say that the standard home insurance will cover the damages your house will suffer after the flood. This is an absolute nonsense. This doesn't have any ground underneath it because the flood damage is never covered under the standard insurance plan. When you feel the necessity to cover yourself from the flood damage, you get additional coverage.

Homeowners insurance plan with its medical payment part will pay for the injuries me and my family will suffer.

This is not true. The Medical payment portion of the insurance is meant to protect you in the case when someone other than you or any members of your family gets hurt on your property and they don't want to take you to court. If it is you or some family member that gets hurt there, the insurance company or the coverage doesn't protect you from anything.

There is a myth that the company will reimburse anything you tell them you lost if this occurs. This is a fairy-tale to believe in and it is not true. What will happen is the company will tell you to make a list of what you owned at the moment of the loss, but they will make you do it very precisely. They will need pictures of your belongings to make sure you owner those things. So you need to have photos taken of everything you have in your house in case anything like this ever happens to you.

People think that when they file a claim, it raises their premiums. But people don't always consider that claims are not the only things that matter. It doesn't always happen so that the premium goes up. Sometimes it takes years. You should always take your deductible into consideration. Also try to find out if there are any discounts that you can apply for. Maybe you get lucky.

Jewelry and furs have limitations. There is a particular sum that they company will give you to reimburse those things in case of burglary. If you own too many of those, please get additional coverage.
Sometimes we think that if we live in a non-flood zone, we can't have flood ever happening. It can happen to anyone just like earthquakes that can't be predicted. Flood insurance generally is a nice idea that most home owners should go for.
We think that we are obliged to get some insurance plan when in reality we are not. Nobody forces us to make certain steps. They are totally up to us. Another thing is that it would be wiser to make them in order to avoid some unpleasant and unwanted trouble later.

You should get yourself insured so that you know it and feel protected. Cheap home insurance can be found by those who want to look up and find it. But don't rush into it. Cheap home insurance plans can be tricky so watch out and don't listen to gossip on the street. Figure out for yourself. This is the only truth there is.


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