Insurance

How to Get a Cheap Home Insurance Quote

Looking for a cheap home insurance quote? Here's how to get one.
Cheap Home Insurance Quote
There's really only one way to get a cheap home insurance quote and that's getting home insurance rates from different companies and choosing the cheapest one. But how do you do it without spending hours on the phone calling insurance agents, or spending hours on the Internet visiting single-company insurance websites?
The answer is simple - go to an insurance site where you can get quotes from a number of different home insurance companies.
Multiple-Company Insurance Sites
Multiple-company insurance sites let you get quotes from different companies in a matter of minutes. The advantages to using one of these sites are:
1. You have a number of insurance companies competing for your business instead of just one company trying to talk you into buying their policy.
2. You only fill out one simple questionnaire, instead of a questionnaire for every company, to get you insurance quotes.
3. Most of these sites only deal with A-rated companies so if you decide to purchase insurance through them you'l' be assured of getting a reliable company.
4. The best multiple-company sites have an articles section where you can get money-saving tips, and a chat feature where you can get answers to your home insurance questions (See link below.)
Lowering Your Home Insurance Quote
Once you get your home insurance quote you can lower your insurance premium even further by doing the following:
Raise your deductible - Raising you deductible will not only save you up to 35% on your insurance, it will prevent you from making an excessive amount of claims which will cause your insurance company to cancel your policy. Over time, the money your save will more than make up the amount of your deductible.
Install security devices - Installing security devices like deadbolt locks, window locks, and burglar alarms can save you up to 20% on your insurance, and will give you peace of mind knowing that you're protected from break-ins.
Install safety devices - Installing safety devices like smoke detectors, fire alarms, and fire extinguishers can save you up to 10% on your insurance and will protect you and your family from home fires.
Request discounts - Ask your insurer about all the discounts you qualify for and take advantage of them.
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get cheap home insurance quotes from top insurance companies and see how much you can save. You can get more insurance tips in their Articles section.
About the Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on finding cheap home insurance quotes.

Accident Insurance For Children - Something You Must Not Ignore

Accident insurance for children is often forgotten by parents and guardians. Most people ignore providing financial security for children in case they got seriously injured in an untoward event. However, it is also true that nobody wants to see their children in wheelchairs for their entire life and therefore, accident insurance for children is the hidden truth that is to be accepted as soon as possible.
The children's case is forgotten just because it is thought, for some inane reason, that children are less exposed to accidental risks. But, this is not true at all. Children are very susceptible to accidental injuries, so what if they do not drive on the roads? The scenario is slowly changing though; parents are realizing the importance of accident insurance for children. They want to know that in the event of anything bad happening to their children, at least there should not be a financial crisis.
Accident insurance for children is generally included in family health insurance policies. These policies are indeed worth going for as they cover major risks to which your son or daughter is always exposed to. Health insurance for children can cover illness and broken bones but generally covers everything that happens to a child health-wise. Accident insurance slightly differs from the health insurance as it covers the physical damage due to unwanted events such as vehicle accidents, falling from heights, skiing injuries, shock, drowning etc.
Your child is exposed to the world and so to the risks too. Accidents on school trips are unfortunately not covered by accident insurance companies but looking to the demand, many companies are now coming up with new policies that cover those accidents too. You can also ask for the school trip accident insurance to the school itself.
One of the main benefits in accident insurances for children is that the premiums are lesser than those in similar adult insurance. The premium is less because the risk is less in case of children. There are some insurance policies that cover both; accidents and also health problems as they are covered in mediclaims (medical claims).
There are many agencies which offer you the best policies and you can also contact some private person who is professional and dealing with different type of accident insurance. These professionals are available almost any time of the day to provide their services. They can help you getting the best suitable insurance policies for your son or daughter that can cover maximum accidental risks. Once you start getting the policies, you can also claim the bonuses that are subjected to certain terms and conditions.
Every responsible parent must take accident insurance for their kids. Accidents are uncertain and they are irreversible, but at least these policies can bring some relief in terms of economical support.
About the Author
Kip D Goldhammer owns and operates http://www.accidentinsurancepro.com Accident Insurance