Property Casualty Insurance
Understanding the various types of property-related insurance and owner builder insurance
November 29, 2010 | Author admin
Understanding the various types of property-related insurance and owner builder insurance
Article Submitted by: Abhishek Mishra
Friday, 03 April 2009
Everybody knows Insurance. In this contract the insurer promises the insured to give compensation for the loss of the insured entity or death of the insured person. Premium is the amount which is paid by the insured to the insurance company on behalf of buying the insurance. Insurance is in fact similar to risk management.
There are certain rules and principles which are strictly followed by the insurance companies before insuring anything or anyone. Companies check the reliability of the information provided by the insurer, their earning capacity and the worth of the entity etc. Even when claims for insurance payment are made by the insurer, the companies check about the truth themselves regarding the extent of damage or loss, the insured entity or person and then only they give the insurance money. There are myriad types of insurance available in the insurance companies- Like,
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Public liability insurance if any kind of damage happens to the insured property due to any person from the public insurance amount is given.
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Vacant land insurance is taken by people who have lands or any construction in the land which is not in use since a long time. In case of any damage due to fire, earthquake, flood etc. to the property insurance, amount will be paid by the company for the loss.
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Office insurance is taken by almost every office and their employees. In case of injury of the employees, their hospitalization bills are paid by the insurance company under which they are insured. And if any kind of damage happens to the office its cost is also paid by the insurance company.
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Home warranty insurance is a good scheme where maintenance money required for the home is given by the insurance companies
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Construction work insurance is taken by the builders for their buildings which are under construction and for the workers who are involved in the building construction.
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Contract works insurance is very popular among people whose nature of work involves them in contract working.
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Business insurance quotes are demanded by the companies, so that they can insure their business to the company which offers most competitive price.
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Property Insurance Australia has a huge insurance market in Australia.
Other than these insurances life insurance, Motor insurance, Property insurance, Workers compensation insurance and insurance for display home are the most popular types of insurance.
It’s good and important to have insurance because our life is uncertain and insurance provides us and our family a kind of monetary security in case something unexpected and bad happens to us, so that we can face the challenges of life and move ahead.
Home Fire Safety-Winter Protection | Market Wire | Find Articles at BNET
November 29, 2010 | Author admin
Tips for home fire protection
As winter approaches homeowners should take time to think about home fire safety. By taking simple measures, home fire safety precautions can prevent the devastation of a house fire. According to Allstate Insurance Company of Canada’s claims, reports of fire loss jump during the winter months. January alone accounted for 15 per cent of all fire losses reported in 2009. So make home fire safety a top priority.
Properly planned home fire safety can help prevent the majority of fire losses. This autumn, consider these home fire safety tips from Allstate Canada to help keep you, your family and your home safe this winter.
Home Fire Safety Step #1: Prepare
The first step in home fire safety is to be prepared! The best thing you can do to ensure safer winter months at home is to be proactive about your home’s upcoming seasonal needs. A little time spent on home fire safety preparation will ensure that your family stays safe and comfortable this winter.
1. Inspect heaters every autumn to ensure they are in good working condition. If you have a gas heater, inspect the exhaust for carbon build up.
2. Have your chimney inspected and cleaned at least once a year if you have a wood stove or use your fireplace. This is an essential part of home fire safety , because creosote buildup can cause a chimney fire.
3. Install smoke detectors on all floors of your home. Take the time to sit down with your family and prepare a fire plan. It should detail escape routes and include a designated meeting place. This is an indispensable part of home fire safety preparedness.
Home Fire Safety Step #2: Prevent
via Home Fire Safety-Winter Protection | Market Wire | Find Articles at BNET.
Tips to ensure your claim is processed in a timely manor
November 29, 2010 | Author admin
There are a couple of key factors that will help process your claim within a timely manor:
1. Be sure to fill out all of your personal information on each claim form. Sometimes the company will ask for the information several times on each page, it is necessary for you to complete the information each time. It seems redundant, but it is necessary.
2. Make sure to give your physician the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.
3. Make sure to give your employer the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.
4. We will also need a copy of your Operative Report faxed to our office.
5. We will need ANY copies of itemized statements, chiropractor visits, or any doctors visits.
6. Claims should be filed within 14 days of the accident or sickness. The sooner we receive your completed paperwork, the sooner the claim is filed and processed.
7. You can check on the status of your claim 24 hours a day by visiting the Insurer’s direct website or by contacting our office.
Posted in After Car Accident, Auto Insurance, Cancer, Car Insurance Claims, Claim, Critical Illness, General Info, Had an Accident, Homeowners Insurance Claims, Hurt at work, Income Life Insurance, Injured, Insurance Claims, Liability Insurance Claims, Life Insurance, Life Insurance Claims, Make a claim, Property Casualty Insurance, Property Damage Claims, Sickness, Umbrella Policy, Worker's Benefits, Workman's Compensation | 
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Wedding Insurance Designed For A Very Special Event In Your Personal Life
November 8, 2010 | Author admin
It can be every girl’s wish, to enjoy a fantastic wedding ceremony and party. Having most of your relations and best friends gathered round, to see the blushing new bride and her handsome groom, enjoying the most important event of their lives.
These days, a big wedding occasion may very well cost you a large sum of money plus so much time and effort will go into the setting up of the celebration. If anything goes drastically wrong, you really need to be compensated.
Wedding insurance can provide a valuable safeguard from the unexpected
What exactly would occur, if you should change the particular date for the wedding at the very last minute, on account of unpredicted considerations, such as a terrible major accident or illness? You will most likely incur cancellation expenses for rescheduling the marriage reception location, caterers etc. Let’s suppose the big event gets rained off or possibly the wedding catering company fails to arrive? You will want to understand or know that you have a backup master plan for the most significant day of your life.
For your personal protection, it seems sensible to invest in wedding insurance or event insurance, that provides financial compensation, if your most awful nightmare transpires. Wedding insurance is designed to take care of the unpredicted, when you just simply can’t afford the unexpected to take place.
If you have a honeymoon planned and you’re intending to journey abroad, you might like to also give consideration to getting travel insurance protection.
As soon as you return from honeymoon and move in to your own property together, you would be required to choose house contents and property insurance protection. You can never be too careful, for the reason that errors and mishaps can certainly be expensive.
High value home insurance for your important wedding gifts
In the event that you are fortunate to have affluent parents or other family members, possibly you have been given a variety of high priced wedding gifts. Some may possibly include things like antiques or exceptional works of art. You may also have selected costly wedding and engagement rings for each other. You may therefore wish to look into buying a more specialised high value home insurance policy that is specially custom made to safeguard your most significant and prized possessions, in cases where they may be stolen or damaged by fire or an acciden
via Wedding Insurance Designed For A Very Special Event In Your Personal Life.
What provides safety for the future?
November 8, 2010 | Author admin
Have you ever thought of how to live a secure life in the future? No one can predict the future and now we may be having all wealth, but future cannot be predicted “Stop acting as if life is a rehearsal. Live this day as if it were your last. The past is over and gone. The future is not guaranteed”. This is one of the beautiful quotes from Wayne Dyer and always thinks for the future of you and your family members. You are going to live your life and you are the responsible person for the loss in your life. Investment is the one that provides safety for your life and investing your money in insurance provides the complete safety for your future. Are you still unaware about the benefits of insurance and its types? Don’t worry my friends we will see a detailed overview about it.
What is insurance?
Insurance is an amendment or policy that gives protection against an undesirable event or risk and it ensures that we are protected from financial loss or harm. The insurer is a person who insure and the insurance agent is a person who acts as a representative between the insurer and the insurance companies and he may be either an independent representative or a dedicated one. Independent representative means, the agent represents the insurance products of many companies and dedicated one is who represent only for a particular company.
Varieties of insurance:
Different types of insurance are available and each type provides some safety and security. Life insurance, property insurance, health insurance, auto insurance, liability insurance, credit insurance, casualty insurance, home insurance and there are other types of insurance locked fund insurance, pet insurance and more. Whatever the insurance type it may be, the theme behind the insurance is safety and security for the future. The first insurance company in USA was started in 1732 in Carolina and Benjamin Franklin was the one who helped to popularize the insurance.
Premium:
Premium is the sum of money paid, usually at regular intervals for an insurance policy. As said above, you need to invest in order to gain profit and before selecting the insurance decide your budget and select a premium that you can afford. Insurance companies in general have different premium options for the benefit of customers and you can pay the premium quarterly, half yearly, annually and monthly. Either you can pay in hand or there is an option to deduct the premium from your salary. Each and every company has different premium plans and the least amount of premium starts from hundreds and continues to the most; depending upon your budget you can decide the premium amount of your own. If you are busy and if you can’t find time to pay the premium, better you can call your agent and can pay the premium to the agent.
The companies usually remind about the premium thorough email or through letters. Find the best insurance companies through internet and there are many good health quotes companies who provide you the valuable information regarding insurance.
