What You Should Know About Fires and Getting Homeowners Insurance

According to the National Fire Prevention Association (NFPA), about 357,000 home fires occurred per year between 2009 and 2013. These catastrophes amounted to about $6.9 billion dollars in direct damage, while injuring almost 13,000 civilians.

Clearly, you’ve worked too hard for your home just to see it go up in smoke. Of course, there are certain measures you can take to prevent such tragedy. For instance, you can pay closer attention to your stovetop while cooking or provide regular maintenance to your heater.

Still, the prevention of fire isn’t always under your control. What if embers from a nearby forest fire set your house ablaze? Or, what if your neighbor’s home fire spreads to your home?

In these situations, your best line of protection is home insurance. Most homeowners insurance will cover damages incurred by your home as well as to your properties.

http://www.focusinsuranceatlanta.com/blog/?p=1257

Do You Know These Five Sure Ways to Save on Home Insurance Policies?

Buying a home is the ultimate dream for many people, but they are often surprised by how many miscellaneous costs are associated with home ownership. Case in point: home insurance.

With prices ranging from a couple hundred dollars to several thousands per year, this additional but vital cost is certainly not chump change. That said, there are many ways to save on home insurance. You just have to know the right tricks.

Get an Insurance Broker

Navigating the home insurance market can be more than a bit daunting. With so many options available, how do you know you’re getting the best value? This is why you should get home insurance in Atlanta from brokers such as Focus Insurance. Because brokers maintain close relationships with leading insurance companies, they are better able to bargain for more competitive rates on your behalf.

http://www.focusinsuranceatlanta.com/blog/?p=1252

Getting Car Insurance? Take a Quick Look at These Common Myths First

When it comes to car accidents, it’s not a question of if, but of when. According to estimates from CarInsurance.com, motorists can expect to crash their car once every 18 years or so. If you haven’t been in a mishap yet, it’s certainly lurking around the corner.

That’s why getting adequate car insurance is more important than ever. After all, if you’re going to experience multiple accidents in your life, you might as well be financially protected each time, right?

But when it’s time to renew your policy, are you sure that you’re getting the best deal? Not if you believe some of the following myths involved with auto insurance.

Credit Rating Has No Effect on My Premiums

Unfortunately, certain states–including Georgia–are allowed to use your credit score to determine auto insurance premiums. Remember, your credit score is an indication of your capacity to make payments on services, including auto insurance.

http://www.focusinsuranceatlanta.com/blog/?p=1249

Buying Car Insurance for the First Time? Here’s What You Should Know

For many young adults, their first big purchase is often a car. While a house is definitely in their sights, a car affords them a huge sense of autonomy, nonetheless. Finally, no more standing in a crowded bus or train just to get to work or school. Just start up your car to go there.

Selecting the perfect first car can be as intense as it is fun. However, once you own a car, you must protect your investment by purchasing auto insurance, which can also be intense. Focus Insurance, an Atlanta car insurance broker, says there are a few things worth noting to get the best deal possible.

Try to Pay in Full

As a new car owner, you are automatically at a disadvantage. Without an insurance history, you may be seen as a high-risk client by insurers, which often results in less-than-ideal premium rates.

http://www.focusinsuranceatlanta.com/blog/?p=1246

Getting Home Insurance and Other Simple Protections Against Home Theft

The worst experiences in life are the ones you never see coming. Case in point: home theft. While everyone knows that home burglaries are a real threat, many people don’t really think it will happen to them.

Unfortunately, the statistics state otherwise: according to Safewise.com, a home burglary occurs once every 15 seconds. Fortunately, some common sense and a good dollop of vigilance can stop thieves from stealing your hard-earned belongings.

Get a Dog

This isn’t a joke. Many insurance adjusters says that a dog is the best burglar alarm on the market. Remember, thieves have become extremely sophisticated and can now disable home alarms without breaking a sweat. A dog, however, is a bit trickier to bypass–if there’s a stranger in your property, Fido will surely let you know.

http://www.focusinsuranceatlanta.com/blog/?p=1243