........The Cajun Contractor, Michael King.........
..................Michael King
...........The Cajun Contractor




Q & A
Resources & Links
Tips & Advice

BIO
History
News
Newsletter
Speaking
Show Staff
Topics

For Contractors
How To Advertise
New Products
Sponsors

Book
Soap

Got a question?
Ask Michael King, "The Home Improvement Crusader!"

Home Improvement Broadcasting Network
Excellence In Home Improvement Information
Call Toll Free
866-766-4426


Anyone that enters the promotion code "hometalk" will receive 10% off of their Door jamb Armor order.

Mayfair Windows & Doors

ELK Corporation

Crystal Granite


  Home Owners Insurance 101

Here are tips on hazard insurance, along with lessons I’ve learned-besides the fact that I should have gone to law school:

Ask what your policy doesn’t cover, If flood or earthquake damage, expensive antiques, or artwork aren’t covered, ask your agent about extending coverage. Whether you’re insured for replacement cost or cash value also factors in. (Replacement coverage cost more.)

Carry insurance on anything that matters: home, life, car, health, jewelry, business. Just know that insurance is not assurance. As my lawyer says, insurance companies are experts at collecting premiums then finding ways to avoid paying claims. According to a recent New York Times article, the property insurance industry reported more than $450 billion in policy sales last year and a record profit of $65 billion.

Reduce your premiums by installing smoke detectors or burglar alarms, having good credit and combining home and auto policies for a multiple-policy discount. 

Beware of Scams, particularly fraudulent agents selling fake policies. Check with your state insurance commissioner to see whether a company is legitimate. If a company acts in bad faith, contact you insurance commissioner. You can also find consumer support on NAIC Website: www.insureUonline.org

Keep your perspective. It’s easy to get cynical. Many insurance companies bank on burning you out. Don’t let them win.

 

Terminix


BECOME A SPONSOR!
CALL
866-766-4426

Sign up for the Home Talk USA Newsletter!


Affiliate Info & Tool Kit


LA Home Builders Association


The Hero Program
Home Energy Rebate Option

How to Find a Builder/Remodeler

Government Agencies & Trade Organizations



Home
Stations
Listen Affiliate Info Ideas & Tips Host Contact HIBN Store Topics Partners
Site Map


THE NATION'S MOST LISTENED TO HOME IMPROVEMENT RADIO SHOW!

Home Improvement Broadcasting Network
307 Franklin Street
Mansfield, LA 71052
Office: 318-872-4277
Toll-Free: 866-766-4426

"Home Talk"TM with Michael King, and the Home Improvement Crusader Name, Logo and
"The Cajun Contractor - Michael King are licensed registered trademarks of the Home Improvement Broadcasting Network.

Site by...

Copyright © 2006 Home Talk USA.
All rights reserved.