Also, did you know that your homeowners insurance will cover items in your car as well? Your auto insurance won't touch the replacement cost of anything that wasn't actually put into the vehicle by the manufacturer (including your stereo system) but since Home Insurance companies essentially consider your car to be a moving outbuilding anything left in the car instead of brought in the house is covered under your policy. Just make sure the next time you invest in $1,000 speakers you make sure you tell your insurer about it as soon as possible.
We urge you to dig deep and realize that having a year's worth of proper Food Storage, is no different than the $10,000 you may have stashed away for an emergency.
Ask those close to you their take on various insurance providers. Find out the value they get from their agent and insurance company and what they pay where it makes sense to ask them. You can ask them to refer you to their agent if you're satisfied with their testimonials.
Thorough investigation. As many of you know, some people mix up the facts after they've been involved in an auto accident. Therefore, if you find yourself in a word-versus-word situation with another party, make sure your claims adjuster has done his or her homework. Ask the person if they've ordered a police report, spoken to all the witnesses, taken photos of the cars and gone to the scene. These acts can bring the truth to the forefront of an auto accident. If your claim involves a loss to your home, make sure all of your property damages are included in the final offer and based on real numbers.
Prompt contact. Most insurance carriers tell their adjusters to make first contact on any claim within 24 to 48 hours. So, if it's been a week and you haven't heard anything, it's time to make a second call to your agent or a supervisor.
Going back to the shopping issue, a very simple way of doing this is home insurance is by getting and comparing as many quotes as you can. To get these quotes easily, visit quotes comparison sites. When you fill their online form, you would automatically receive quotes from several insurers. If you can get to about 5 quotes comparison sites, you would have more than enough quotes to make the right decision. Remember these quotes are absolutely free.