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Tips for Lowering the Cost of Homeowner’s Insurance

Following a few Tips for Lowering the Cost of Homeowner’s Insurance can save you a bundle of money

Owning real estate property is something nearly everyone aspires to. That being said, being swamped under with homeowner’s insurance is something everyone can do without. While you can always talk to your local insurance agent to see what can be done about lowering your rates, there’s even more you can do to save on your insurance while still enjoying quality coverage.

Take Steps to Protect Your Home

Anything you can do to protect your home from intruders, fire, earthquakes, water damage and the like is sure to help lower the cost of your insurance. This is because a well-reinforced home is less likely to suffer damage, which means you’re less likely to have to file a claim later on down the road. While you might balk at the initial investment of making such improvements, you’re sure to appreciate how much you save in your insurance costs over the years, and there’s also the fact you can rest easy knowing your home is well-protected.

Shop Around

While you might be happy with your current insurance provider, that doesn’t mean you can’t shop around. If it’s possible for you to get the same coverage with a lower price tag by switching providers, take the leap. You might hate to part with your current agent or company, but you also probably hate parting with your hard-earned cash when you don’t have to. Right? Before you change providers, see if your current home insurance company can do anything to lower the price of your premiums without compromising your coverage.

Raise Your Deductible

Increasing your deductible is another way to better save on the overall cost of your homeowner’s policy. Know that it’s possible to lower your premium cost by as much as 25 percent if you’re willing to raise your deductible to $1,000. No matter what your deductible might be, make sure you always have quick and easy access to that amount should you ever have to file a claim. Even better, put the money in an interest-bearing account so it works for you.

Ask About Discounts

Simply asking for a discount is another way to save money on coverage for your home. If you’ve been with your insurance company for a while, you might be eligible for savings. You might also be able to bundle policies if you also need auto insurance or the like. If you’ve never filed a claim, or if it’s been several years since you’ve filed a claim, you might qualify for a discount.

Review Your Policy

Have you had your homeowner’s policy for a while? If so, your coverage needs might have changed in recent years, which means you might not need the same type or policy or need to pay the same price for your premiums. Sit down with your agent to talk about your life and lifestyle. A single conversation can reveal you have coverage on your current policy you don’t need to pay for.

Think Before You Make a Claim

In the event you have to make a claim, think before you reach out to your agent. This is because making a claim can potentially drive up your premiums, and there’s also the fact your insurance company might view you as a policyholder who’s more trouble than you’re worth if you have a history of filing a claim for an issue you can easily take care of on your own. You might not like having to take care of the cost on your own, but it’s better than developing a bad reputation in the insurance world.

Paying home insurance is a necessity, but paying more than necessary for it most certainly isn’t. Let these tips guide you to getting the coverage you and your home deserve without an inflated price you don’t need.

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Could You Be the Next Crime Victim?

Being a victim of crime is something no one wants to be a part of.

That said are you doing everything within your power to lower the chances of being the next victim? If you are not, you could be setting yourself up for trouble.

With that in mind, what steps can you take to steer clear of being a crime victim?

Don’t Think It Can’t Happen to You

In your quest to steer clear of ending up a victim, your first step should be to understand that it can happen to anyone.

That said you want to avoid having the notion that you are immune to it. Even when you think you’ve taken all the right steps to avoid crime, it can still surprise you.

Among some of the crimes and how you can avoid them:

1. Identity theft – One of the more troublesome crimes, identity theft can strike at any time. With that being the case, you want to have an identity protection plan backing you up. Whether you look into LifeLock identity protection service or another brand, protect yourself. Such coverage will alert you to any red flags as you look to protect your finances. The most notable is someone without authority has tried to access your finances. Remember, one successful identity theft caper can have dire consequences for your finances.

2. Property theft – No matter the items involved, property theft is another crime you want to be aware of. With that in mind, you should make sure all your property has protection at all times. An example of this would be your vehicle. Are you someone who leaves their vehicle unlocked all or most of the times? If so, you are asking for trouble. Even if you lock your car or truck on a regular basis, do not leave valuables in it. Items like laptops, phones and significant money should never be in your vehicle. If you need to leave something of value in your vehicle for only a brief period of time, lock it in the trunk. At least this way it is out of the public view should someone come upon your vehicle.

3. Home invasion – Another crime to stay on top of would be a homeinvasion. In such a scenario, a criminal would break into your home whether you are there or not at the time. If you are, things could be even worse. To best protect your home, having a security system in place is a good start. If you do not have one now, go online and see which companies offer the best systems. You can check with friends to see which home security systems they recommend. Even with a security system in place, use some commonsense too. This means not leaving doors unlocked to start with. If you are going to be away for any extended period of time, be sure to have your mail/newspapers picked up. Also make sure your grass is trimmed and any snow is shoveled. Never give off signs that your home is sitting there without you around.

In your efforts to avoid being a crime victim, will you come out on top?

 

 

 

Office Rules To Boost Productivity

If you run an office then you will know only too well how the pace and quality of work seems to ebb and flow from day to day. Naturally you want the team to be firing on all cylinders as often as possible, so it is up to you to ensure that you have created an environment in which your staff can do just that. There are a great many office desk hacks which you can find online at places like https://www.businessbacker.com/ that will talk about how to get the best out of your staff.  We are going to look a little wider than that today and focus on rules which you should implement in the office, to ensure maximum productivity at all times.

Smart Planning

The first place to start is to look at the layout of the office, and think about whether or not it makes practical sense. For example if the printer is a heavily used item, but it is situated a 2 minute walk from most desks, think about how many minutes of work time you will be losing each day. Consider how the operation works in your office, and then move furniture and equipment around accordingly.

Cleaning Rule

It has been scientifically proven that physical clutter on desks and floors, leads to people being far less focussed and with low levels of concentration and organization. With this in mind there should certainly be a no clutter rule in the office, which everyone must follow.

Breaks

Aside from the usual breaks such as lunchtime and any short breaks in the afternoon, you should look to randomly give your staff 5 minutes here and there each day. It can be really easy for staff to get bogged down in their work, chained to the office desk all day, and they need respite. Pick random times when things are quite quiet, and call a 5 minute break where the staff must go out for fresh air. This may sound counter-productive but the renewed energy that your staff will have from a short, impromptu break, will reinvigorate them and help them to work better.

Exercise

More and more news is coming out that details the huge number of physical problems that office workers have, as a result of their job. To counter this, and to help increase their productivity and reduce sick days, you should encourage exercise in the work place. This doesn’t need to be something large, there are simple yoga techniques which can be done right from the office chair.

Penalties

Once you have put these rules in place, it is important that you have a penalty system for those who don’t follow them. This will be something aside from the disciplinary process, and it will have a bit more of a fun element to it. For example if someone receives 3 strikes for having clutter at their desk, they will be given some chores to do, or they will have to buy a cake for the office or perhaps even pick up someone else’s work. This penalty system will bring people together, and make your staff more focussed on the rules, and ultimately more productive.