Thursday, November 21, 2013

0 Consider Your Insurance

By Maryl Joop


While not always the most interesting subject, insurance is a topic that does require a fair amount of attention. Although we may think we understand what types of insurance are available to us, how much they generally cost, and what they provide us with, the fact of the matter is that insurance is changing and evolving all the time.

First, don't get your car messy in the first place. It's all in the mind. Try not to think of your car as a home away from home. That means don't take your meals in your car. Don't spend the night in your car. Don't cut your nails in your car. Don't change your clothes in your car. Don't open boxes, bags, or packages in your car. By nixing these common car habits, you just eliminated eighty-percent of the mess. Easy breezy.

There were two roommates living in Boston together - Casey had renters insurance and Jessica did not. When their apartment was broken into and their electronics stolen, Casey was able to get her money back while Jessica was left without it. When she had gotten her renters insurance, Casey recorded a video of her entire apartment, including the serial numbers on each of her electronics, which ensured her money back. Jessica now has renters insurance and encourages all of her friends to do likewise.

Renters insurance in Conway, South Carolina is typically very cheap, and only costs about $15-$30 a month. Depending on the claim you make after an accident, you could receive up to $30,000 or more in compensation. Are your belongings worth that much to you?

Third - your car is your haven from the outdoors. Keep the outside outside. Kick off the snow from your shoes before you climb in. Brush off all the sand from the beach before you climb in. Dust yourself off after a long hike. Wash your sticky hands before grasping the steering wheel. Roll up the windows before driving through a sandstorm. That brings our mess elimination to ninety-percent.

Most homeowner's insurance policies come with about $100,000 in liability coverage. However, this number is extremely low when you consider recent court cases. Protect yourself legally by purchasing a policy that insures you for a more realistic amount, around $1 million.

Studies show that 96 percent of homeowners have homeowner insurance whereas less than half of apartment renters have renters insurance. Accidents in the home are just as likely to happen in apartments as anywhere else and renters insurance can save you a lot of money and heartache.

Additionally, some life insurance policies also have an option to invest part of the money you put into it, which can lead to greater returns. Ensure that you research life insurance before settling down in your home in Myrtle Beach in order to truly enjoy the security that life insurance can bring.

When it's time to renew your auto insurance at Myrtle Beach, you'll be able to show off your slick car. If you're trying to get home insurance or renters insurance from Conway South Carolina, they will be impressed how well you take care of your car and be more willing to insure your home. It's a win-win situation when you've got a clean car!




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