Even though medical costs are rising and there is no perfect health insurance policy to ease the pain, you can still save money on health care by following these 5 simple steps.
Know what your health insurance plan covers
Shop around for medical prescriptions
Double check your bills and negotiate big ones
Use a flexible spending account
Prevent, Prevent, Prevent!
Today is the first day of Fall, which means cooler weather is on its way. As a homeowner, it’s time to consider how to prepare your home for the winter months ahead. One of the best ways to save money is to take preventative measures by making sure your home is in tip top shape. Maintaining your home lowers the risk of damages that lead to costly repairs and insurance claims that can raise your homeowners insurance rates.
Here are 7 fall home maintenance tips to make sure your home is winter-ready!
1. Check Roof
Make sure that your roof is solid and ready to roll for the cooler months. Any rips, tears, missing shingles, or cracks can not only allow water into your home, but also allows heat to escape, causing a jump in your energy bills.
2. Clean Gutter
If your gutters are cramped full of leaves, water has no place to escape and can puddle on your roof or drip down the exterior walls of your home. As you can imagine, this can be disastrous to your home. You might have to clean your gutters a few times this fall depending on how many trees you have.
3. Check Windows & Doors
Make sure your windows and doors are up-to-date, installed and sealed properly, and made out of quality materials. You might lose major bucks if they aren’t top notch because of heat leaking out and water leaking in.
4. Check Heating System
Getting an A/C inspection is always a good idea. It can be extremely frustrating when your heat goes out unexpectedly during the cold winter months. Especially when it could have been avoided by a few simple checks.
5. Clean Fireplace, Furnace, & Chimney
Most San Antonio homes don’t have a furnace, but in the case that you do, get it inspected. Also make sure to clean the fireplace and chimney so that soot and smoke can escape properly when it’s in use.
6. Inspect Pipes
Now to the water system. If you’ve ever experienced a burst pipe during a freeze, you know how much of a hassle and expense it can be. Inspect your pipes, make sure there aren’t any leaks or weak spots, and wrap any exposed pipes.
7. Winterize Sprinkler System, Garden Hoses, Outdoor Faucets, Sump Pump, etc.
Any outdoor water lines that still have water in them when temps start to drop, are at risk for freezing and bursting. Make sure to inspect, drain, and turn off the water for each of these water lines before and during a freeze. You might want to hire a professional to winterize your sprinkler system if you’re not confident in doing it yourself.
While winter snow and freezes aren’t a huge scare to most San Antonio home owners, we do get occasional freezes that can cause major harm to your home. Don’t get stuck submitting insurance claims and paying for repairs that could have been avoided by taking preventative measures this fall.
Here are a few factors that influence the cost of car insurance for young drivers:
The hot, humid, draining summer of South Texas.
Which means, if you’re not at the pool, you’re at the lake.
Hitting the water on a sailboat, Jet Ski®, yacht, WaveRunner® or other personal watercraft is one of the best ways to beat the heat. But it can also be a huge liability if you are not properly covered by an insurance policy.
While not all states require boat insurance, you can never be too prepared for the perils of the water.
On top of your state’s requirements, if you take out a loan for a new boat or if you use a marina, you will most likely have to present proof of insurance.
If you choose to purchase boat insurance, you may do so through an insurance agent or by adding it to your homeowners insurance plan.
The only type of coverage available with a homeowners plan is an Actual Cash Value coverage. This means that the boat’s value is already decided, and usually fairly low.
With an independent boat insurance plan, you are able to purchase an Agreed Value coverage, which lets you decide the worth of your watercraft and the amount you’ll recover in the case of a loss.
So what does boat insurance cover?
While each policy is different depending on the insurance company, plan, and policy holder’s wishes, there are a few types of insurance you should make sure are covered.
If you cause an accident, liability insurance will cover any property damage or bodily injury bills for the others involved.
Medical Payments Protection
If you are injured while on the water, this coverage will protect you from the devastation of medical bills.
Collision or Comprehensive property damage covers damages to your boat and its belongings that are caused by another boater, theft, fire, etc.
In the case of a fuel spill, which happens more than you think, this plan will save you from being held responsible of the clean up costs.
Even if the wake from your boat causes an accident, you could be charged with the responsibility.
No matter what kind of watercraft you own or plan to own this summer, looking into getting an insurance plan should be high priority.
There’s nothing like sailing the bright blue sea and having complete peace of mind!
“Are there discounts for boat insurance?”
Yes! Contact JR Carnahan to get more information on the various types of discounts you can get on your boat policy.
It’s all who AND what you know…
Many people think by going straight to the insurance companies they can ‘cut out the middleman’. The parallel may be true with car sales where you pay a sticker price for a physical good that needs to be sold before it depreciates, but that’s not the way insurance works. You see, insurance companies control a pool of money and bet against occurrences such as car accidents and natural disasters that destroy or damage housing and business offices.
When there are more of these occurrences in its area than expected, the company receives more claims, draining the insurance pool. The company needs to apply for the approval to raise its rates higher or else it goes out of business. Unfortunately, that means higher rates for its customers.
So how do I get the best insurance rate?
Rates will depend on how many claims a company is receiving. If your city is peaceful, but the east-side of your state is at risk of frequent tornadoes, it would be better to have a house insurance company that serves just your city. Same goes for floods, fires, termites, etc.
So the best bet is to shop around to see which insurance companies cover which areas, whether those areas are risky, and what kind of claim volume they have been experiencing. Sounds like a good deal of work, eh?
Brokerage agencies such as ours are in the unique position to get bulk quotes from local, state-wide, and national companies. We can see what the lowest quote is currently for home, auto, business insurance, etc. Additionally, since we have been tracking occurrences for areas and claims rates for different insurance companies, we can forecast with a pretty good accuracy how rates will go up and down. It’s all about fast access to the right information. Simple enough, right? Quotes are free, so don’t neglect to get one now.