I often have friends and family ask me to give them quotes for their homeowners insurance. They want to get a cheap quote and save some money. I would love to help out anyone out there that is interested in getting a home insurance quote, give me a call at 801-796-6161. But if you would feel more comfortable you can go online and fill out a form. My site is currently under construction but the address will be www.raygroupinsurance.com.
There are many sites on the Internet that will give you home insurance quotes. Some of the big ones are www.netquote.com, www.insureme.com and www.insweb.com. The way these companies work is they collect your information and then sell it to anywhere from 4 to 8 different insurance agents. That means that you will be getting calls, emails and letters from 4-8 different insurance agents for the next couple of weeks. Some people don't mind this, others hate it. If you are in the second group than visit my site for a quick free quote. You will only be contacted by my office and you won't get those annoying calls for the next 2 months. We are a local Utah insurance agency that has been around since 1998. We have clients in Provo, Salt Lake City, St. George and everywhere in between. We not only sell home insurance, we also offer auto insurance, life insurance health insurance and many other lines. Give us a chance to impress you and let me be your new agent.
Tuesday, June 17, 2008
Utah Home Insurance Quotes
Saturday, May 17, 2008
Making a Home Inventory List
Start Your Inventory
Many people suffer losses and then get stuck trying to remember everything they owned. Could you remember all of your possessions if they were destroyed by a flood or fire? Keeping a current home inventory will help you get reimbursed from the insurance company much faster. When you can prove what you have lost it makes it much easier for the insurance company to settle your claim.Start by making a list of your belongings, keeping track of serial numbers, makes and models. If you have original receipts or appraisals you will want to save those with your list. I have found that it is easiest to classify things by categories, shoes, jackets, electronics, etc… Call your insurance agent for more info, visit the link in the sidebar on the right, they are a local Utah insurance agency that is very helpful.
Here are few tips to get you started:
- Don't get overwhelmed
If you are a new homeowner, starting an inventory list should be pretty easy. If you’ve been living in the same house for a while though this might be a little more work. Think of it this way though; it is better to have a small list than nothing at all. Get your list started with your most recent purchases. Then, maybe the following weekend go through your house and get all of your most expensive belongings on the list. The following week you can add all of your favorite things. If you take an approach like this it is much easier.
- A Picture’s worth a thousand words
In addition to your list, you should take pictures of rooms and important (sentimental and expensive) items. On the back of the pictures, describe what is in the picture and try to include the brand and price.
- Videotape it
Walk through your home and videotape your belongings. As you do, tell the camera about the stuff. If you don’t have a camera try to borrow one from a friend or relative.
- Use a computer
Use your computer to manage your list. You can buy personal finance software packages that have a homeowners room-by-room inventory program. Or, to save money you can create a spreadsheet on excel. It doesn’t matter how nice the list looks as long as it has the important info your insurance company will need.
- What to do with the list
Once you have your list you will want to make sure it is kept in a safe place. The shoebox in the top of your closet is not a safe place. Remember if your home is flooded or burns to the ground that shoebox is going with it. The best thing to do is give a copy of your list to a friend or relative that lives far away from your house. So if you live in Salt Lake, send it to someone in Provo. Imagine if a natural disaster like Katrina happened and your list was stored at your neighbor’s house. It’s probably going to be destroyed.
Utah Homeowners Insurance Basics
Homeowners insurance provides financial protection against disasters. A normal policy will insure your home as well as your personal belongings. Some Utah home insurance policies will even cover your belongings anywhere in the world. So if you are on vacation in Paris, and your camera is stolen you can call your insurance agent back home in Provo, Utah or Salt Lake City and file a claim. Check with your local agent because many times your belongings do not have the same coverage limits when traveling.
Homeowners insurance covers both damage to your property and your liability (legal responsibility) for any injuries and property damage you or members of your family cause to other people. What this means is if your kids hit a baseball through the neighbors window your insurance may cover the replacement cost.
Damage caused by most disasters is covered although there are a few exceptions. The biggest ones you need to worry about are damage caused by floods and earthquakes. The federal government backs all flood policies and you must buy one separately. See the link for the local insurance agency in the bar to the right they offer these policies. Many people have called their insurance company when their air conditioner stops working, or when their furnace breaks. Your insurance policy will not cover maintenance issues like these.
