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Roberto Sedycias

If you have only a limited budget, Canon has what, as recently as three years ago would have been unthinkable, a 12 megapixel (MP) point-and-shoot camera (you aim, compose on the 2-inch or so screen and shoot), for under $150, its ELPH 300 HS 12.1 MP (available online right now on Amazon), available in black, silver and red. The amazing piece is the resolution. Canon has been able to build in 12 MP resolution into a camera that, only a few years ago would have cost hundreds more.

Here's an example: for some time we shot with a Rebel EOS T3 at 12MP that, admittedly was a digital single lens reflex with a couple of lenses, but the whole lashup cost almost US $2,000 at the time (2007-8). Now, in a point-and-shoot you get the same resolution, plus.

One feature that attracts many buyers to Canon products is its electronic stabilization feature. This feature kicks in on long shots when you are using the telephoto feature and things - at least in the focus screen never want to settle down. With stabilization, offered in the Power Shot 10MP Digital with 3.8x zoom (wide angle), you can zoom right into your subject and click. The photo will be as steady as a rock. The EOS that I used offered that feature on Canon lenses. Yes, it is more expense, at $289, but if your photographer is into closeups and zoom shots, it's a good investment. And, it is still very reasonably priced.

If you have a bit more in your gift fund and know a photographer who would appreciate a very nice DSLR, the Rebel T3 12.2 MP CMOS Digital SLR, the one I used to shoot with, has fallen to the amazing price of $449 on Amazon with the Canon 18 to 55 autostablizing zoom lens. It is a very nice package. The key to this DSLR is that it will also mount compatible lenses and can serve as a platform that your photographer can build on.

Let's keep this review in the world of the real, though, and move back into Canon's line for a model that will prove a bonus to any photographer, the SX40 HS with a 35X wide angle optical zoom and a vari-angle wide LCD. At $366 on Amazon, it's not super-expensive, but it offers your photographer the option of lining up a photo with a standard viewfinder, which, believe it or not, will probably find little use when the recipient of the camera realizes he can swing the LCD viewer away from the body of the camera, which looks like a DSLR, but isn't because it is a fixed-lens 12.1MP camera, another lens really isn't needed for most situations, including low light when a flash pops up automatically.

And, if you are really have to stick tightly to a budget but want to get a great gift for try the Power Shot SX230 HS 12MP Digital Camera with HS System and Digic 4 Image Processor at $199. This beauty actually shoots at 12.1 MP, offers autostablizing, a 14X optical zoom system and it is ready to handle not only your single-shot, but video needs. For our money, this one is over the top for your gift list.

Roberto Sedycias works as an IT consultant for ecommUS

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David Gass

Women business loans are now one of the most popular forms of business loans in America. That's because more and more women are entering the business world and becoming small and large scale entrepreneurs. There are now successful women business people in almost every area of business and most of them got their start in business by applying for and successfully getting womens business loans.

Women are sometimes at a disadvantage in the business world because they have had to shoulder more of the burden in raising children and looking after house and home. This has meant that their business credit has not has a chance to mature as quickly as some of their male counterparts and has caused banks to sometimes turn down legitimate requests for womens business loans.

One agency that is doing its best to help small banks and other lending institutions provide more womens business loans is the Small Business Administration. They have a series of services and programs including an Online Women's Business Center that offers women entrepreneurs specific advice and guidance as to how to get more womens business loans. There are also many women's business organizations in the United States who not only provide advice but also assign mentors and coaches to help women get the womens business loans they need. Special programs also exist for women military veterans, women with disabilities, and immigrant and minority women.

One way to increase the chances of success in getting womens business loans is for women who want to start their own business to apply for a credit card in the name of the business that they want to operate. This allows the women business owner to build their business credit resume at the same time as they build their business. It may be necessary to use personal credit to obtain a business credit card but once that business card is approved it starts building a woman's business credit rating and record right away. This will certainly make it a little easier when one goes to the bank to apply for womens business loans.

Women now contribute a lot to the growth and prosperity of the country and women owned and operated businesses now employ over 27 million people in the United States. Several trail blazers have opened up the doors for women entrepreneurs and nothing, not even a banks reluctance to provide womens business loans will hold them back. It is still not easy for women to qualify or get approved for womens business loans but the sheer number of women in business is making it hard to slow them down.

Women have a great capacity to own and run businesses at every level of the economy and step by step they are convincing banks of that fact. The increasing number of womens business loans is proof positive to that effect.

David Gass is President of Business Credit Services, Inc. His company publishes a weekly e-newsletter on Starting and Growing a Small Business at http://www.smallbusinessconsulting.com You can sign up for their free newsletter by visiting http://www.smallbusinessconsulting.com

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Olliver Strong

Share Market

There are times when you may have heard people refer to share market and stock market almost in a way that they are different. Well they aren't. Share market and stock market are the same place where share trading or stock trading as you may choose to call it is done. There are times when the companies of a country or even international corporations may come to an understanding of allowing the public to invest in their companies and be a part of the ownership list. They will be partners in profit as well as in loss.

The process of share trading involves this process where the company shares are announced at certain prices to be bought by interested investors. They are free to retain these shares for as long as they want. But they are also free to sell them off and liquidate their monetary investment at any given point of time. They can also sell the shares to another investor or even back to the company itself. It may be mentioned here that each and every country of the world no matter how small or how big has a share market that has various types of share trading being conducted.

Australian Share Market

The Australian share market is conducted by the Australian Stock Exchange of the ASX. Since 2006 it is known as the Australian Securities Exchange after a merger of the Australian Stock Exchange with the Sydney Futures Exchange. It is the 9th largest stock exchange in the world.

Some of the biggest names that are list on the Australian stock market are as the following.

• National Australia Bank
• Australia and New Zealand Banking Group
• Commonwealth Bank of Australia
• BHP Billiton
• Telstra Corporation
• Rio Tinto

The trading process of the share market in Australia is a completely electronically managed one unlike the days when it was started. The stock market consists of four indexes that are as follows.

• The list of top 200 stocks
• The list of top 100 stocks
• The list of top ASX 50 stocks
• The All Ordinaries

Online Share Trading

With the various technological advances made in the world of communications online internet trading is not only a popularly chosen practice among investors it also enables a quick processing of all that an investor may be looking for.

There are several Australian investors who choose online share trading above others. As a result there are certain rules that are to be followed for the benefit of an investor. Investors have the options of enrolling themselves for several tutorials that are available as well as read the methods and reviews as laid down by former investors who were successful and experienced.

For any help on share market, check out the info available online; these will help you learn to find the share trading!

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Simon Waker Haughtone

World Bank, an international financial institution, aims at reducing global poverty by providing leveraged loans to member developing and under developed countries. Read on to know more about World Bank, its objectives, its institutions etc.

World Bank was formed in the year 1944 along with four other institutions at the Bretton Woods Conference. It was established with the official name of the International Bank for Reconstruction and Development and with the endeavor to reconstruct Europe and Japan after the devastation caused by the World War II. It began its operations in 1946 with 38 members and France was the first country to receive its aid.

Today almost all the countries of the world are the members of the Bank, which began with only 38 members. IBRD has 186 member countries whereas IDA has 168 members. United States is the largest share holder, followed by Japan, China, Germany, the United Kingdom and France.

World Bank seeks to obtain economic growth by laying its focus on infrastructure creation, strengthening of financial systems, containing corruption, building capacity of governments and research and consultancy. To achieve the same, the Bank lends funds at lower interest rates to middle income countries and at no interest to poor and underdeveloped countries. Further, such loans have a very long tenure with an extended moratorium period.

Lending by the Bank usually is in the form of:

• Investment lending - for various infrastructural projects
• Adaptable program loan - phased support for long-term development programs.
• Learning and innovation loan - for small investment and capacity-building projects.
• Technical assistance loan - to build institutional capacity in the borrowing country.
• Financial intermediary loan - long term resources to financial institutions in borrowing country.
• Emergency recovery loan - for restoration of assets in the event of any extraordinary events.
• Rehabilitation loan - to support government reform programs.
• Debt reduction loan - to help highly indebted countries reduce their commercial debt.

For more information on World Bank and its functions, you can visit jrank.org, a free site search engine. Integration of this free search engine into other websites is easy and convenient. You can also find detailed information about lending programs of World Bank in the finance category of Jrank encyclopedia.

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Gordon H. Smith

You have to be careful in choosing your life insurance policy since there are policies that are taxable. You need to do research for you to know which policy are taxable and which are not. You also need to gather useful information about coverage so that you could understand how it works.

Doing research can also help you know some of the common minor and major problems most people encounter in getting life insurance. This knowledge will help you get an idea on how to prevent or arm yourself for you not to fall for those problems.

You pay your insurance premium for your death benefit for these death benefits will protect your family as well as your business when the insured pass away to the other side. The beneficiary or beneficiaries will have the right to do whatever they want to with the cash they'll get from the death benefit.

But before they purchase insurance they must first understand the how their premiums can be impacted by taxation. They also have to know which life insurance premium is taxable and not. One premium policy is the ordinary premium policy, as long as this type of policy is owned by an individual then the premiums will be paid with after tax dollars, and there will be no tax deduction allowed on premiums to your policy.

However their some misconceptions about insurance premiums and one common misconception is that people think that they are taxed the same. But the truth is the insurance premium deductibility and taxation will depend on the purpose of the life policy that you will choose and get. Here are some ways on how people can understand better about life insurance premium tax.

Doing research can help you understand about taxation on insurance premiums.

Other is to ask a close friend that has knowledge of this type of insurance and know how their premium is being taxed.

Or you could ask a qualified tax professional that has vast knowledge about taxes and how they work for this would help you better understand the things that confuses you or the thing that you don't quite understand.

So before getting life insurance see to it that you have understood how taxation works on your life insurance premium so that you could understand and you would know what to do if problems occur.

You can find out more about the life insurance premium tax and the tax on life insurance online.

Click on the links above to find out more from Gordon Smith's website.

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Felix Fassbinder

Top Insurance Companies can be many, but always one has to choose the best of the best. According to the recent recession period in September 2008 the market values had a reshuffle and from that reshuffle ten of the world's largest insurance companies were selected.

In this prestigious list of top insurance companies American Intl Group (United States) has found the first place followed by AXA Group (France); Allianz Worldwide (Germany); Manulife Financial (Japan); Generali Group (Italy); Prudential Financial (United States); Metlife (United States); Aviva (United Kingdom); Munich Re Group (Germany) and Aegon (Netherlands). These insurance companies have been selected based on their market value in billions.

So one would wonder how the market values of the companies could be analysed with such a great market crunch that broke many a financial institution into pieces. Well it is the dependable and protracted growth in returns obtained by these companies which could answer this question.

An insurance company should not only look to the profit of its market but also to the welfare of its customers. Most businesses are started with the hope that its range of customers would be good and of high profile. Complete customer satisfaction is what is required to become one of the top insurance in the world.

Top insurance companies should be able to meet challenges of today's market. They should hire efficient staff to harvest new clients each day by offering much more than other companies. This would help them to boost their revenues and keep their customers satisfied too. Their deals to the customers should be modest and easy to understand.

Top insurance companies should make the customers understand that their growth lies in the customer's satisfaction alone. Customers should be made comfortable and given priority when filing for insurance. The customer is the investor, not the insurance company. This should be borne in mind. Good service to the customers could fetch any insurance company a sure and steady rise to the top.

All you need to know and more about the dynamics and mechanics of top insurance companies [http://www.informationguerrilla.org/2009/07/top-rated-auto-insurance-companies/] in the world.

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James Leitz

If you are an average investor and want to invest money in an alternative investment like gold, silver or real estate don't invest until you know the best investment form to invest in. Where you invest is crucial in 2011, 2012 and beyond because these alternative investments have become volatile. If the markets go against you you'll want to be able to liquidate your investment quickly and easily.

A few years ago investing money in real estate, precious metals or other commodities was out of the question for most folks. These are called alternative investments, and there were two roadblocks if the average person wanted to invest money there. First, it was complicated and risky to play the commodities markets (and still is). Second, liquidity can be a major issue if you take ownership in the physical form. Have you ever tried to sell a property or silver coins in a hurry? Simply put, it can't be done at a fair price. That's called poor liquidity.

In 2011, 2012 and beyond you can invest money in these areas with excellent liquidity and simplicity. Your best investment alternative: exchange traded funds (ETFs). Let me use silver in 2011 as an example. If you held silver coins (rounds) going into 2009 or 2010, you watched prices soar through early 2011. It was probably the best investment around until May of 2011. As silver approached $50 an ounce it got hit hard and the price fell fast. If you wanted to take profits (liquidate) on your silver coins there was no quick and easy way to do it, so you probably did nothing.

Nobody knows where to invest money at all times to earn the best returns in terms of precious metals vs. stocks and bonds vs. real estate. But there is a best way for average investors to go about investing money in all of the above. In our silver example, an exchange traded fund with stock symbol (SLV) was probably your best investment. It is a fund that tracks the price of silver and trades as a stock. If you want to buy or sell you can do it any time (at market price) the stock market is open... on the internet... for a commission of about $10. That's called liquidity, and all you need is an account with a major discount broker to play the game.

With exchange traded funds you can trade the markets, or you can invest money for the long term by putting together your own best investment portfolio that is both diversified and balanced. These funds offer average investors a broad spectrum of choices for 2011, 2012 and beyond. You are missing out on opportunity if you are only investing money in stock funds and bond funds. Put some alternative investments in your portfolio as well. The answer to where to invest in them: exchange traded funds.

Author James Leitz teaches investment basics, stocks, bonds, mutual funds and how to invest in his investing guide for beginners called INVEST INFORMED. Put Jim's 40 years of investing experience to work for you and get up to speed at http://www.investinformed.com. Learn how to invest.

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BANK INSURANCE

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Loke Yuen Wong

Bank of America is one of the top largest banks in North America. It has been ranked No. 1 in The Banker Magazine Top 1000 World Banks ranking. The bank was named best consumer Internet bank in the United States by Global Finance magazine as part of its "World's Best Internet Banks" competition. In addition, Global Finance magazine gave Bank of America awards for the best information security initiatives, best bill pay and presentment, and best online consumer credit in North America.

Wells Fargo & Company is a diversified financial services company and one of the leading banks in the region. It provides a wide range of financial services including banking, insurance, investments, mortgage, consumer and commercial finance through across North America and internationally. Wells Fargo & Company was named Best Consumer Internet Bank and Best Corporate/Institutional Internet Bank in North America by Global Finance in 2010.

The Royal Bank of Canada (RBC) is the largest financial institution in Canada and among the largest in North America. It was founded in Halifax, in 1864. RBC provides a broad range of services such as personal and commercial banking, wealth management services, insurance, corporate and investment banking and transaction processing services on a global basis. RBC is listed on the 2009-2010 Dow Jones Sustainability World Index and the DJSI North American Index. It is also the safest bank in North America, according to the Global Finance magazine (2010).

JPMorgan Chase is a leading global financial services firm and one of the oldest financial institutions in the US. It is a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing, asset management and private equity.

Please visit the site Finance Learners for more information on the ranking of banks and top investment banking firms.

The author, Loke Yuen Wong, holds an MBA from Heriot-Watt University (UK) and a BCom degree from The University of Adelaide (Australia).

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DUBAI INSURANCE

Abas Hasan

The main purpose behind the purchase of an insurance policy is to grant financial security to the family of an individual, in case of any mishappening. There are certain factors that are needed to be considered while choosing a family life insurance policy in Dubai. These factors may include family income of the individual, and life style of the family members etc. By concentrating on this, one can easily ascertain the amount of insurance cover to be purchased for assuring that even if he dies, his dependents will be financially and socially safe. In Dubai, there are numerous insurance service providers that provide different types of policies that are intended for different customers at exciting premium options.

Today, there are several companies that provide family life security in Dubai to its employees. Ever after getting a policy from the company, people choose to buy a policy on their own. According to recent studies, there has been a significant increase in the number of people took family security insurance in Dubai. The reason behind this move is that lot of people move to UAE as migrants, thus adding more potential to the insurance market. The insurance providers in Dubai are from UAE as well as from other countries. The top companies providing family life insurance cover in Dubai are Abu Dhabi National Insurance, Qatar Insurance, and Bahrain Kuwait Insurance etc. Dubai and Abu Dhabi are considered as the prime insurance places of UAE.

If you are not from UAE and moved here from outside then there are numerous insurance companies in Dubai providing family life insurance to such people. The mindset of the people in Dubai has also changed in recent years as earlier they were supposed to treat insurance as gambling. Due to new and attractive schemes from different companies, people now prefer buying family life insurance rather than investing money elsewhere and security their family's future.

Arabianlifeinsurance is the one stop solution for you if you are looking for family life insurance in Dubai. It is an online life insurance agent provides insurance policies to many people in Dubai

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AMERICAN INSURANCE

Alok Kumar

America was very late to join in the insurance market. The reason behind this was the fear factor. Fear of a lot risk they already knew even more of them that they did not know but could assume. So it took time to form an American Insurance Company.

After the first American Insurance Company was shaped- up, it was not easy task for its staffs to convince folks to buy one. Although by this time their counterparts in other country, to be very specific in European countries such as England would find it easy to get people buy insurances. It was very hard a job for them.

Gradually the people of America came into terms with the idea of insuring. They took fancy to know about insurance policies. Also the policies started to become more and more customer friendly to catch maximum number of buyers. And once the market was build there was no looking back. A lot of new players came into market.So, then there were lots of American Insurance Companies.

As the awareness among people over insurance grew, the insurance went on introducing newer types of insurances covering not yet covered area of insurance. Various American Insurance Companies flooded the market with various insurance products.

Earlier each company use to specialise in each field of insurance. Soon there was more than one provider in each and every field. And the companies started struggling for existence. Then the major players of every field started to merging with each other to provide with the customers with insurances giving them choices of covering wide types of area. That was the beginning of a new era in the history of American Insurance Companies.

Now, the Americans are the most conscious persons about insurance. So American Insurance Company covers the insurance fields taking right from life to health to house to car to business to bank account to pet. Even articles are under insurance coverage. And the list never stops. Americans are more often to come under insurance coverage to be tension free of any damage to oneself or their property or any other belongings. They want to keep their worries away, if any unwanted thing happens, the will not have to pay anything from their pocket. They will simply claim from insurance company.

Now, the American Insurance Companies not only doing their business in America, they have the whole World as their marketing area.

I Went from Paying $350 a month for Car Insurance to only $111 a month!

To do the same Visit LowCostAutomobileInsurance.Net and Enter your Zip code and within a few minutes you'll have auto insurance quotes which will help you save hundreds per month!

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TRAVEL INSURANCE

Christopher Yensh

Do you wish to purchase travel insurance for people over 50 years old? There is no age limit when it comes to traveling. The desire to explore the world is not bound by any age limit. According to a survey, most of the people who go for holidays both at home and abroad are above 50s and 60s, especially those who have retired. By the time you reach 50, your kids are ready to leave home and most of them wish to live an independent life. In such cases, you have ample time and money to spend for yourself.

Opportunities Galore

Today you can think of visiting numerous places when it comes to planning for the holidays. If you are adventurous enough you can explore the jungles, relax by the seaside, or explore new places abroad. The options are indeed huge and there is something for everyone. You can contact some of the leading tourist companies who specialize in holiday planning and are willing to guide you when it comes to planning for vacations. A lot of people who have already reached their 50s are availing these opportunities offered by the holiday companies to book their holiday. This trend is increasing day by day. It is indeed a dream come true when you can surf the websites and go through the holiday places to book the best one for yourself.

Enjoy a Better Coverage

Since the trend of going on holidays is increasing day by day, it has become important for the elderly to seek travel insurance policies as it offers coverage at those times when you really need it. Mishaps can happen at any time during a trip or on the other hand, you may end up falling sick and would require immediate medical help. During such situations if you have travel insurance then it will be easier for you to meet your medical expenses. While you may have to make the payments initially from your own pocket, you can always claim the entire amount from the insurance company later on. However, it sometimes gets difficult for people above 50 to be insured as insurance companies expect the elderly to pay a huge premium amount in order to be able to enjoy better coverage. The charges are quite high and can be hard to afford.

How to avail the best travel insurance for people over 50 years old?

There are certain insurance companies, which do not keep any age limit for insurance policies. But these companies do put a limit on the duration of the holidays you are planning to enjoy. For example, if you are 60 and above, the time will fall down to 42 days from 90 days. If you want to go abroad for a holiday, you are free to get travel insurance for people over 50 years old or above. The insurance policies here go up to $5 million coverage for medical causes, up to $1,500 for loss of personal property and up to $5,000 for cancellation of your trip. You can get the terms and conditions of the companies online along with the charges from your travel agent or online. Single trip insurance also offers similar benefits and conditions. You are allowed to travel for a span of 120 days every year if no single trip lasts for more than 42 days for most policies offering travel insurance for people over 50 years old.

Read more expert explanation about the best way to get cheap and reliable travel insurance. Find all the information about the different options you have to find travel insurance for seniors.

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AUTO INSURANCE

 Paul Townsen

Perhaps you are looking for a new automobile insurance policy. If you are in the market for car coverage and do some checking around, you will find out that that are many varying rates with each particular company that you get a quote from. The rates are different for each particular individual and each particular situation. There are many factors that play into your policy rate and play a part in what your premiums are for the year. Your age can be a factor in what you pay for your auto premiums. If you are under the age of 21, or have any drivers in your household who are, you will likely pay quite a bit more for your premiums per year than you otherwise would. There is also a higher rate for drivers ages 21-25, but typically not quite as high as under age 21. When a driver reaches age 25, they typically can get lower insurance rates per year. This can help you save some money. If you have any traffic moving violations your rates can also be higher; especially if you have more than one on your record or have something more serious such a wreck-less driving charge or a DUI on your history. So, staying out of trouble and not getting any tickets can really save you a lot of money!

When you are deciding how much coverage you need, you can first decide your comfort level and if you are willing to take a little bit of risk, or if you want to be more conservative and play it safe. If you want to feel safe and well covered and this is important to you, you may want to purchase more coverage and also put higher limits on your coverage so that you can rest easy knowing you are well covered in case of any mishaps. Some people need this for peace of mind. If you are this type, it may be a good way to go for you. Always make sure you purchase at least the minimum amounts of insurance for your state. Most states have minimum amounts they require their drivers to carry. You can find out what these limits are from your state offices or online.

Considering your assets aside from your vehicle is a good thing to do when purchasing a policy as well. You want to make sure that if you are ever at fault in an accident the other party or their company won't be able to come after your personal assets in the event you exceed your policy coverage in taking care of the costs associated with the accident that you are to blame for. If you carry enough coverage, you won't have to worry about this because your insurance will take care of it for you. A good company will take care of most of the details in an accident for you anyway.

Shopping around for insurance that is good and competitive on price can be well worth it for you. It can save you a lot of money and this research can also help you choose the right amounts of coverage for your particular situation.

Cheap car insurance - Find Low Cost Insurance Today! Compare Quotes on Car insurance California and Save over 500.00 a Year!

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HOME INSURANCE

Jennifer Couch

A home is typically your biggest investment so it's important to have it properly insured. Unfortunately many people don't know what their policies do and don't cover. It's important to understand that there are 4 primary components to homeowners insurance and to understand what those components are.

The first component is the structure itself, the building including the garage and deck as well as unattached structures such as a shed. When you buy the home you typically have the home insured for the amount you paid for it, or you have it insured for the rebuild value. This means that if your home is a total loss the policy will provide a reimbursement up to the policy limit to replace the structure. You want to have your home insured for enough that you can totally rebuild it, this is the replacement value.

A problem that many homeowners face is that they are underinsured and don't have enough insurance to cover repairs to their home, or replacement of the home, if they face significant damage. An accurate appraisal of your home should be completed so that an accurate replacement cost can be determined. Your insurance company will be able to help you determine this amount.

The next component is for personal property. Most companies insure the personal property in the home for about 60-70% of what you insure the house for. For example, if a home is insured for $200,000 then the personal property is typically insured for about $140,000-$150,000. The personal property insurance can be raised if the belongings in the house are worth more. However this could be at an additional fee. There is no charge for keeping it proportional to the insurance on the structure but when you raise the personal property insurance there will be a small fee.

Personal property insurance typically covers things such as furniture, clothes, toys, and home accessories such as home décor. There are frequently limitations set on jewelry, fine arts, furs, expensive rugs, electronics, etc. These more expensive items should frequently be covered by a personal property rider.

Other than not knowing what is covered by an insurance policy many homeowners don't know what belongings are inside the home. Not having a home inventory is a big mistake when it comes to insuring your home. Know what you have and keep 2 copies of the inventory, one for a fire-proof safe in the house and another copy for a different off-premises location, such as a safe deposit box. This will come in handy should the unexpected occur.

Another component of homeowners insurance is liability coverage, this is a very important component. If you are sued or if someone files a claim against you or if the court holds you accountable for someone else's injury or property damage then your insurance policy will provide some liability coverage. Liability coverage protects the owner from personal liability, damage to someone else's property, and medical expenses for injury to others.

The final component of a typical homeowner's insurance policy is the additional living expense. If you become displaced from your home due to a loss that is covered by your homeowners insurance policy, like a fire or frozen and broken pipes, etc. then this portion of your insurance will help to pay for your hotel or apartment expenses. So, not only should your insurance pay to repair the damage to your home but it should also reimburse you for additional living expenses while the repairs are being completed.

Do be confused and think that your homeowners insurance only covers the home itself. There is a lot of coverage in your homeowner's policy that can come in handy in times of need. Other than the liability insurance and the additional living expenses insurance, if you have a loss of personal property when you are off the premises your standard insurance policy may cover the loss. For example, if you have suitcases stolen while you are away on vacation, you are probably covered.

Many people purchase homeowners insurance but they don't read through the policy carefully to understand what it is that they have purchased and how much coverage they have. For example, you want to make sure you have enough insurance to cover rebuilding your house after a fire not just enough insurance to cover what it would sell for on the market right now.

When you're working with an insurance company be sure to ask what isn't covered by the policy. Most standard insurance policies do not cover earthquake damage, flood damage, or hurricane damage. Floods can be covered by additional insurance through the National Flood Insurance Program if you want flood insurance. Sewage backup is also not covered but can be added to your insurance policy with a rider. Mold, fungus, rot, and bacteria are also typically not covered by a standard policy

If you have built your dream house plans you want to keep your property safe. Be sure to read your policy. The homeowner's insurance policy will tell you how it's supposed to work but you have to actually read the policy to know how it will work.

House Plans and More has over 17,000 house plans and project plans to choose from in a variety of styles and sizes. Start searching for your dream home now.

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