About 'home health care austin tx'|Pilot Intentionally Crashes Plane Into IRS, CIA, And FBI Complex In Austin, TX
A home is likely to be the largest investment most families ever make so you want to spend what ever is necessary to protect your family's investment. Purchase enough coverage to avoid a major financial loss if you experience a catastrophic event. This means keeping realistic current value amounts of coverage on your house and contents. Home owners insurance comes in many different prices and configurations; it is important to get the insurance that fits. Flood and earthquake damages are not covered under standard homeowners insurance and must be purchased separately. The hurricane Katrina and Rita survivors discovered that hurricane coverage often excluded flood or storm surge damage even though that was caused by the hurricane winds. Be sure to understand the fine print and if you need to purchase a separate flood or water damage policy, it may be expensive but worth the cost. Premiums will cost widely different amounts in different areas of the country. While you want the best insurance possible you also want to hold the costs down. Follow these steps to get the best deals. In the aftermath of the hurricane disaster on the Gulf Coast many home owners found their insurance to be inadequate. Sometimes that was due to misunderstanding the policies and sometimes due to insurance company chicanery. These issues will eventually be sorted out but in the meantime it has set the rest of us to thinking about how well covered we are in the event of an emergency. Some estimates of the number of underinsured homes say as many as three out of five are underinsured by around 20% to 25%. (Coolidge, C., 2006, A Good Policy, Forbes 2006 Investment Guide, Forbes Magazine, 60 Fifth Avenue, New York, NY 10011) 1. A lesson learned from the victims of Hurricane Katrina is that it may be best to get separate coverage for wind, water, fire, or "environmental" damage. Try to be sure your policy includes incidental damage after a disaster such as the mold caused by the heat and moisture after hurricanes on the Gulf Coast. 2. Review your current policy to make sure it is sufficient for the present value of your home. Home improvements (such as kitchen renovations or adding a deck) can add significant value to your dwelling but if you do not tell your insurance agent and adjust your insurance, it will not be covered. 3. Comparison shopping is the tool of choice for finding bargains in any purchasing situation. Like any good thing this will take a bit of time and effort but the savings could be well worth it in the end. The way to go about comparison shopping for home insurance is to start with your state insurance department. States often keep records of the frequency of customer complaints on different insurance companies and may be able to tell you what typical rates to expect. Always check with the Better Business Bureau and any other consumer information guides available to you. Research the financial stability of the insurance company on www.standardandpoors.com or at www.ambest.com in addition to checking the status of the company at your State Insurance Commissioner's office. 4. Higher deductibles mean lower premiums. Deductibles are the amount of money you pay for any damages to your home before the insurance kicks in. Deductibles can be negotiated but most insurance companies recommend a $500 dollar deductible. The higher amount you negotiate to pay for deductibles the lower the premiums you pay for your insurance will be. If you can afford to pay out of pocket costs of $1000 dollars or more you may be able to reduce your premium payments by as much as 25%. If you live in an area that repeatedly sees certain types of natural disasters your insurance policy may have different deductible amounts for damages caused by different kinds of events. 5. Get all your insurance policies from the same company. Companies who sell car insurance often sell home owners insurance as well. It can save you as much as 15% of your premium cost to get your home owners policy from the same company that insures your car. Read the policy carefully and make comparisons because this is not always true. Look at the total cost of separate policies or separate insurance companies. Then compare the total separate costs with the cost of a combined policy. 6. Maintain your credit. Insurance companies may increase the cost of your insurance if your credit rating is not good. Check your credit ratings often to make sure it has not been compromised by identity theft. Keep your bills paid and your credit to earnings ratio low. 7. Update your policy limits on contents of your home. You should review this section of the policy every year. You want a policy that pays full replacement costs not just the depreciated value of appliances, clothing and furniture. The difference between "actual cash value" and "replacement cost" can be enormous. To get full coverage for valuables you need appraisals on collectibles, artwork, jewelry and antiques. You need to keep receipts and a full inventory. It helps to have pictures and/or a video record of a home's contents. The documentation of personal belongings should be kept in a separate and safe location. 8. Longevity counts with insurance companies. If you have been with your current insurance company for many years it is best to stay with them. If another insurance company offers what seems to be an unbeatable deal you can talk to your current insurer to see if they can meet or beat the offer. Most insurance companies offer discounts for longevity; as much as 10% if you have been with them continuously for more than six years. 9. Update all the safety features in your home including the fire alarms and the burglar protection systems. Install deadbolts and window locks and consider alarm systems that alert the local police and fire departments to emergencies at your home. You can usually get insurance discounts for installing good fire and burglar alarm protection systems. Update plumbing and wiring if your home is more than twenty years old. 10. Consider the area you live in for special disaster related insurance. Flood, fire and earthquake insurance all cost varying amounts depending on where you live. If you live in a heavily forested area you can lower your premium by establishing a fire protection zone around your home and using tile or metal roofing. In earthquake prone areas your insurance will be much less if you have a stick built house instead of brick. In California earthquake insurance information can be obtained at (www.earthquakeauthority.com). In hurricane prone areas bring your home up to current hurricane codes to lower risk and insurance costs. Install hurricane shutters and reinforce roofing to withstand hurricane force winds. If you live in a flood prone area you may want to contact FEMA for information on flood insurance. (www.fema.gov/nfip). 11. Keep the cost of land separate from the replacement cost of the house and contents. The land is permanent and except for those areas where slides or erosion might drop you into the nearest river or the ocean you should not include the cost of the land itself in the value estimate of your home. A good insurance policy will pay for replacement or repair costs as specified in the policy; but to guard against increases in construction costs due to inflation or material shortages after a disaster you may want to get extra protection specifically to cover them. Extra coverage will include a surcharge on the premium of 10% to 15% but if you live in hurricane or earthquake zones it may be worth the extra charge. Buy a policy from a company with the insurance grade of "A" from www.ambest.com . The risk of getting a policy from a company that is not highly rated is not worth the possible premium savings. Allstate, MetLife Auto and Home, State Farm, Chubb, Liberty Mutual, Hartford, USAA and Travelers all are rated "A" or better and are the largest sellers of homeowners insurance. Additional information may be obtained from: Insurance Information Institute 110 William Street New York, NY 10038 (212) 346-5500 (www.iii.org) or (www.insurance.info) State Insurance Regulators: Alabama 201 Monroe St., Suite 1700 PO Box 303351 Montgomery, AL 36104 334-269-3550 Fax: 334-241-4192 E-mail: insdept@insurance.state.al.us www.aldoi.org Alaska Division of Insurance Department of Commerce, Community aand Economic Development Robert B. Atwood Building 550 W. 7th Avenue, Suite 1560 Anchorage, AK 995013567 907-269-7900 TDD: 907-465-5437 Fax: 907-269-7910 E-mail: www.dced.state.ak.us/insurance Division of Insurance Department of Commerce, Community aand Economic Development PO Box 110805 Juneau, AK 99811-0805 907-465-2515 TDD/TTY: 907-465-5437 Fax: 907-465-3422 E-mail: www.commerce.state.ak.us/insurance/ Arizona Department of Insurance 2910 North 44th St., Suite 210 Phoenix, AZ 85018-7256 602-912-8444 Toll free in AZ: 1-800-325-2548 Fax: 602-954-7008 (Complaints) E-mail: consumers@id.state.az.us www.id.state.az.us Arkansas Department of Insurance 1200 West 3rd St. Little Rock, AR 72201-1904 501-371-2600 501-371-2640 (Consumer Services) Toll free in AR: 1-800-282-9134 Toll free: 1-800-852-5494 Fax: 501-371-2618 E-mail: www.arkansas.gov/insurance California Department of Insurance 300 Capitol Mall, Suite 1500 Sacramento, CA 95814 916-492-3500 415-538-4010 (San Francisco} 213-897-8921 (Los Angeles) Toll free in CA: 1-800-927-4357 Fax: 916-445-5280 www.insurance.ca.gov Dept. of Managed Health Care, California HMO Help Center (We serve all California Consumers that are enrolled in a California HMO, Blue Cross of California PPO, and Blue Shield of California PPO) 980 Ninth Street, Suite 500 Sacramento, CA 95814-2738 1-888-HMO-2219 (HMO Health Center Consumer Complaint Line) 1-877-525-1295 (HMO Help Center Provider/Physician Line) 1-877-688-9891 Fax: 916-229-0465 (Conplaints) or (916) 229-4328 (Independent Medical Review) E-mail: GenInfo@dmhc.ca.gov www.hmohelp.ca.gov Colorado Division of Insurance 1560 Broadway, Suite 850 Denver, CO 80202 303-894-7490 or 7499 Toll free in CO: 1-800-930-3745 TDD/TTY: 303-894-7880 Fax: 303-894-7455 www.dora.state.co.us/Insurance Connecticut Department of Insurance Consumer Affairs Dept. PO Box 816 Hartford, CT 06142-0816 860-297-3900 Toll free: 1-800-203-3447 Fax: 203-297-3872 www.state.ct.us/cid Delaware Department of Insurance 841 Silver Lake Blvd. Dover, DE 19904 302-739-4251 Toll free in DE: 1-800-282-8611 Fax: Fax: 302-739-6278 E-mail: consumer@deins.state.de.us www.state.de.us/inscom District of Columbia Department of Insurance, Securities and Banking 810 First St., NE, Suite 701 Washington, DC 20002 202-727-8000 Fax: 202-535-1196 E-mail: info.disb@dcgov.org disb.dc.gov Florida Office of Insurance Regulation Department of Financial Services 200 East Gaines St. Tallahassee, FL 32399-0300 (850) 413-3100 Toll free in FL: 1-800-342-2762 TDD: 850-410-9700 Fax: 850-488-2349 www.fldfs.com Georgia Insurance and Fire Safety Two Martin Luther King, Jr. Dr. Atlanta, GA 30334 404-656-2070 Toll free in GA: 1-800-656-2298 TDD/TTY: 404-656-4031 Fax: 404-657-8542 www.inscomm.state.ga.us Hawaii Insurance Division Department of Commerce and Consumer Affairs P.O. Box 3614 Honolulu, HI 96811-3614 808-586-2790 or 2799 Fax: 808-586-2806 E-mail: insurance@dcca.hawaii.gov www.hawaii.gov/dcca/ins Idaho Department of Insurance 700 West State St. P.O. Box 83720 Boise, ID 83720-0043 208-334-4250 Toll free in ID: 1-800-721-3272 Fax: 208-334-4398 www.doi.state.id.us Illinois Division of Insurance Department of Financial and Professional Regulation 100 West Randolph St., Suite 5-570 Chicago, IL 606013395 312-814-2420 TDD: 312/814-2603 Fax: Fax: 312-14-5435 E-mail: Director@ins.state.il.us www.state.il.us/ins Division of Insurance Department of Financial and Professional Regulation 320 West Washington St. Springfield, IL 62767 217-782-4515 Toll free: 1-877-527-9431 (Office of Consumer Health Insurance) TDD: 217-524-4872 Fax: 217-782-5020 E-mail: director@ins.state.il.us www.idfpr.com Indiana Department of Insurance 311 W. Washington St., Suite 300 Indianapolis, IN 46204-2787 317-232-2385 Toll free in IN: 1-800-622-4461 Toll free: 1-800-452-4800 (in-state senior health insurance information) Fax: 317-232-5251 www.state.in.us/idoi/ Iowa Division of Insurance 330 Maple St. Des Moines, IA 50319 515-281-5705 Fax: 515-281-3059 www.iid.state.ia.us Kansas Insurance Division 420 SW 9th St. Topeka, KS 66612-1678 785-296-7801 Toll free in KS: 1-800-432-2484 TDD/TTY toll free 1-877-235-3151 Fax: 785-296-2283 E-mail: commissione4r@ksinsurance.org www.ksinsurance.org Kentucky Office of Insurance 215 West Main St. Frankfort, KY 40601 502-564-3630 Toll free: 1-800-595-6053 Fax: 502-564-1650 doi.ppr.ky.gov Louisiana Department of Insurance 1702 N. Third St. Baton Rouge, LA 70802 225-342-0895 225-342-5900 Toll free: 1-800-259-5300 Toll free:1-800-259-5301 Fax: 254-342-3078 www.ldi.state.la.us Maine Bureau of Insurance 34 State House Station Augusta, ME 04333 207-624-8475 Toll free in ME: 1-800-300-5000 TDD: 207-624-8563 Fax: 207-624-8599 www.maineinsurancereg.org Maryland Insurance Administration 525 St. Paul Place Baltimore, MD 212022272 410-468-2000 Toll free: 1-800-492-6116 TTY toll free: 1-800-735-2258 Fax: 410-468-2020 www.mdinsurance.state.md.us Massachusetts Division of Insurance Consumer Service Section One South Station, 5th Floor Boston, MA 02110 617-521-7777 TDD: 617-521-7490 Fax: 617-521-7575 www.state.ma.us/doi Michigan Office of Financial and Insurance Services 611 West Ottawa St., 3rd Floor P.O. Box 30220 Lansing, MI 48933 517-373-0220 Toll free: 1-877-999-6442 Fax: 517-335-4978 www.michigan.gov/ofis Minnesota Department of Commerce Market Assurance Division 85 7th Place East St. Paul, MN 55101 651-296-2488 Toll free in MN: 1-800-657-3602 Fax: 651-296-4328 E-mail: www.commerce.state.mn.us Mississippi Department of Insurance PO Box 79 Jackson, MS 39205 601-359-3569 Toll free in MS: 1-800-562-2957 Fax: 601-359-1077 E-mail: consumer@mid.state.ms.us www.doi.state.ms.us Missouri Missouri Department of Insurance PO Box 690 301 West High St., Room 530 Jefferson City, MO 651020690 573-751-4126 Toll free in MO: 1-800-726-7390 TDD/TTY: 573-526-4536 Fax: 573-751-1165 www.insurance.state.mo.us Montana Department of Insurance 840 Helena Ave. Helena, MT 59601 406-444-2040 Toll free in MT: 1-800-332-6148 Fax: 406-444-3497 www.state.mt.us/sao Nebraska Department of Insurance Terminal Building 941 "O" St., Suite 400 Lincoln, NE 685083639 402-471-2201 Toll free in NE: 1-877-564-7323 TDD toll free: 1-800-833-7351 Fax: Fax: 402-471-6559 www.nol.org/home/NDOI Nevada Division of Insurance Department of Business & Industry 788 Fairview Drive, Suite 300 Carson City, NV 89701 775-687-7650 Fax: Fax: 775-687-3937 E-mail: insinfo@doi.state.nv.us www.doi.state.nv.us/ Division of Insurance Department of Business & Industry 2501 East Sahara Ave, Suite 302 Las Vegas, NV 89104 (702) 486-4009 Fax: Fax: 702-486-4007 www.doi.state.nv.us/ New Hampshire Department of Insurance 21 South Fruit St., Suite 14 Concord, NH 03301-2430 603-271-2261 Toll free in NH: 1-800-852-3416 TDD/TTY toll free in NH: 1-800-735-2964 Fax: 603-271-0248 E-mail: requests@ins.state.nh.us www.nh.gov/insurance New Jersey Department of Banking and Insurance 20 West State St. P.O. Box 325 Trenton, NJ 08625 609-633-7667 Fax: 609-292-5571 www.njdobi.org New Mexico Department of Insurance P.O. Box 1269 Santa Fe, NM 87504-1269 505-827-4601 Toll free in NM: 1-800-947-4722 Fax: 505-827-4734 www.nmprc.state.nm.us New York Consumer Services Bureau Insurance Department One Commerce Plaza Albany, NY 12257 518-474-6600 Toll free: 1-800-342-3736 Fax: 518-474-6630 www.ins.state.ny.us Consumer Services Bureau Insurance Department 65 Court St. #7 Buffalo, NY 14202 716-847-7618 Toll free in NY: 1-800-342-3736 Fax: 716-847-7925 www.ins.state.ny.us North Carolina Department of Insurance Dobbs Bldg., 430 North Salisbury St. 1201 Mail Service Cetner Raleigh, NC 27699-1201 919-733-7349 Toll free: 1-800-546-5664 Toll free:1-800-662-7777 Fax: 919-733-0085 E-mail: consumer@ncdoi.net www.ncdoi.com North Dakota Insurance Department 600 East Boulevard Ave. 5th Floor Bismarck, ND 58505 701-328-2440 Toll free in ND: 1-800-247-0560 TDD/TTY toll free: 1-800-366-6888 Fax: 701-328-4880 E-mail: insurance@state.nd.us www.state.nd.us/ndins Ohio Office of Consumer Services Department of Insurance 2100 Stella Court Columbus, OH 43215-1067 614-644-3378 Toll free: 1-800-686-1526 (consumer hotline) Toll free:1-800-686-1527 (fraud hotline) Toll free:1-800-686-1578 (senior hotline) TDD/TTY: 614-644-3745 Fax: 614-387-1302 E-mail: nancy.colley@ins.state.oh.us www.ohioinsurance.gov Oklahoma Insurance Department 2401 N. W. 23rd St., Suite 28 PO Box 53408 Oklahoma City, OK 73152-3408 405-521-2828 Toll free in OK: 1-800-522-0071 Fax: 405-521-6635 E-mail: okinsdpt@telepath.com www.oid.state.ok.us Oregon Insurance Division 350 Winter St., NE, Room 440-2 P.O. Box 14480 Salem, OR 97310-3883 503-947-7984 Toll free in OR: 1-888-877-4894 Fax: 503-378-4351 E-mail: dcbs.insmail@state.or.us insurance.oregon.gov Pennsylvania Bureau of Consumer Service Insurance Department 1321 Strawberry Square 13th Floor Harrisburg, PA 17120 717-787-2317 Toll free: 1-877-881-6388 Fax: 717-787-8585 www.insurance.state.pa.us Puerto Rico Office of the Commissioner of Insurance Call Box 8330 Fernandez Juncos Station Santurce, PR 00910-8330 787-722-8686 787-721-5848 Fax: 787-722-4402 www.ocs.gobierno.pr Rhode Island Insurance Division Department of Business Regulation 233 Richmond St., Suite 233 Providence, RI 02903-4233 401-222-2223 TDD: 401-222-2999 Fax: 401-222-5475 www.dbr.state.ri.us South Carolina Consumer Services Department of Insurance 300 Arbor Lake Drive, Suite 1200 P.O. Box 100105 Columbia, SC 29202 803-737-6180 Toll free in SC: 1-800-768-3467 Fax: 803-737-6231 E-mail: CnsmMail@doi.state.sc.us www.doi.state.sc.us South Dakota Division of Insurance Department of Revenue and Regulation 445 East Capital Pierre, SD 57501 605-773-3563 Fax: 605-773-5369 www.state.sd.us/drr Tennessee Department of Commerce and Insurance 500 James Robertson Pkwy. 5th Floor Nashville, TN 37243-0565 615-741-2241 Toll free in TN: 1-800-342-4029 Fax: 615-532-6934 www.state.tn.us/commerce Texas Department of Insurance 333 Guadalupe St. P.O. Box 149104 Austin, TX 78614-9104 512-463-6169 Toll free in TX: 1-800-252-3439 (consumer help line) Fax: 512-475-2005 E-mail: rbordelon@opic.state.tx.us www.tdi.state.tx.us Utah Department of Insurance State Office Bldg., Room 3110 Salt Lake City, UT 841146901 801-538-3805 Toll free in UT: 1-800-439-3805 TDD: 801-538-3826 Fax: 801-538-3829 www.insurance.state.ut.us Vermont Department of Banking, Insurance, Securities and Health Care Administration 89 Main St., Drawer 20 Montpelier, VT 05620-3101 802-828-3302 Toll free in VT: 1-800-964-1784 Toll free in VT: 1-800-631-7788 (Health Insurance) Fax: 802-828-3306 www.bishca.state.vt.us Virgin Islands Divison of Banking and Insurance Kongen's Gade #18 St. Thomas, VI 00802 340-774-7166 Fax: 340-774-9458 E-mail: vidoi001@aol.com Virginia Bureau of Insurance State Corporation Commission PO Box 1157 1300 East Main St. (23219) (only for special delivery and walk-ins) Richmond, VA 23218 804-371-9967 Toll free in VA: 1-800-552-7945 TDD: 804-371-9206 E-mail: www.state.va.us/scc Washington Office of the Commssioner of Insurance Insurance 5000 Building P.O. Box 40255 Olympia, WA 98504-0255 360-725-7103 Toll free in WA: 1-800-562-6900 TDD: 360-586-0241 Fax: 360-586-3109 E-mail: mikek@olc-wa-gov www.insurance.wa.gov West Virginia Department of Insurance 1124 Smith St. (25301) P.O. Box 50540 Charleston, WV 25305-0540 304-558-3354 Toll free in WV: 1-888-TRY-WVIC (888-879-9842) Fax: 304-558-0412 E-mail: wvins@wvinsurance.gov www.wvinsurance.gov Wisconsin Office of the Commissioner of Insurance 125 S. Webster St. (53702) P.O. Box 7873 Madison, WI 53707-7873 608-266-0103 Toll free in WI: 1-800-236-8517 Dial 711 and ask for 608-266-3586 Fax: 608-266-9935 E-mail: information@oci.state.wi.us oci.wi.gov Wyoming Department of Insurance Herschler Bldg.,122 West 25th St. 3rd Floor East Cheyenne, WY 82002-0440 307-777-7401 Toll free in WY: 1-800-438-5768 Fax: 307-777-5895 E-mail: wyinsdep@state.wy.us insurance.state.wy.us/ |
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