7 Tips to Make the Right Choices on Homeowners Insurance

If you own a home, it’s important to have it insured. You simply can’t take a chance with what is probably the biggest investment that you’ll ever make. Natural and man-made disasters could strike and destroy your dream home at any time and there’s nothing that you can do to stop them.

The best thing about having your home insured is that it’s protected against financial losses in the event of fire, natural and man-made disasters, and other perils. It ensures that you get back your investment so you can rebuild. Home insurance gives you the peace and security that every hardworking homeowner deserves.

Here are some tips that you need to know about insuring your home including choosing the right insurer and obtaining the proper coverage:

  • You are a statistic.

You’re a set of risks to an insurer. An insurer will base their premium on risk factors like your job, your properties, how you live, etc.

  • Determine the value of your property.

Before choosing a policy, it’s important to determine your home’s replacement cost. To get an accurate estimate, seek the help of a builder in your local area.

  • Insurers vary so do your shopping.

Like anything else you plan buying, the same product could be differently priced by different companies, but you could save more if you do your research online. Get several quotes from different companies and compare them so you get the best coverage that’s within your budget.

  • Don’t just go for the cheapest price.

An affordable insurance won’t help if an insurer takes forever if and whenever you make a claim. Therefore, you should do your research and check the insurer’s record for claims service and financial stability.

  • Know about the different discounts.

Many people waste a lot of money because they just don’t ask for discounts. So ask for them! Most insurers give out discounts to reward behavior that reduces risks.

  • Your insurer may not necessarily be your friend at claims time.

Your own idea of a fair compensation may not go with that of the insurance company. Their job is to financially restore you as a homeowner while yours is to verify your losses and get the amount that you deserve.

  • Do some preparations before filing a claim.

Always make sure that your policy is updated. Reread it many times before filing a claim so there would be no surprises.

You can obtain home insurance policies from non-life insurance companies. Deal only with legitimate insurers and remember to get quotations from several companies and give them the same amount of information about your home so you could accurately compare them.

Choose wisely what’s suitable for you. Though cost is a big factor in choosing, it must not be the sole basis. Insure your home with a company that you can trust.

How to Lose the Pear Shape Figure

Someone with a “pear shape” carries extra weight around the hips. A study at the Children’s Hospital in Boston found that pear-shaped individuals have lower levels of insulin than individuals who carry extra weight around their abdomens (“apple shape”). What this means is good news for the pear-shaped: they can lose weight both through restricted fats and restricted carbohydrates. However, while losing weight around the hips is easier, making a plan and sticking to it is key.

Instructions

  1. Eat fewer fats and simple carbohydrates. Instead, eat lean foods, including chicken, turkey and fish, as well as slow-burning carbohydrates like black beans and kidney beans. Include vegetables at every meal and eat only fresh fruit (no juice or dried fruit). Banish foods that serve no healthy purpose, such as chips, candy, soda, white bread and fast-food meals.
  2. Set a calorie goal. Use a weight calculator to determine your calorie needs and to calculate the calories you’re consuming. Make it a daily goal to meet but not exceed your daily calories.
  3. Exercise frequently: aim for five or more exercise sessions per week. Your exercise should be at least 30 minutes with little or no weight and high intensity. If you aren’t used to exercise, start with a half-hour of walking, then work up to intervals of walking and jogging. If you have difficulty motivating yourself, sign up for an aerobics class or other guided fitness program. If you enjoy sports like tennis, basketball or soccer, they are all excellent for burning fat.
  4. Perform resistance training to tone your upper body and even out the appearance of your pear shape. Toned shoulders and a V-shaped torso will make your hips look smaller. Add resistance training to your workout two or three times per week. Some fitness classes include a resistance training component.

Tips & Warnings

Planning ahead makes healthy eating easier. Determine which combination of foods best meets your caloric needs and schedule your meals. Make a shopping list with healthy foods and stick to it. Don’t be afraid to eat the same thing every day, if you enjoy it and it’s healthy, until you reach your goal. Find a friend to exercise and compare meal ideas with. You’ll keep each other honest and motivated.