The Insurance Institute for Business & Home Security focuses on creating policies that will not only protect a home and its contents from damage, loss, theft, and storm damage, but also provide monetary compensation to owners who have been victims of crimes.
Their job is to teach customers about the value of insurance and the legalities that may require a person to file a claim and the way to do so. This is done through seminars, articles, newsletters and classes.
The institute is a branch of the Insurance Research Council, an industry organization that represents and serves the interests of insurance managers, agents and customers. They are accredited by the National Association of Insurance Commissioners (NALC).
Insurance Institute classes and seminars are given at a fee and cover all aspects of insurance including building and contents, life and health insurance, car and property insurance, disability and accident insurance. At any one time, there are over 250 programs offered. Some are focused on specific industries such as life, health and car insurance.
Fire Safety is an area of great concern. Fires can occur in any home at any time. One fire can destroy your whole home, possessions and memories. A fire can also escape control and create a dangerous situation in which you and your family members must evacuate your home.
Insurance can protect your life and possessions and provide you with the means to rebuild or preserve the ones that you have.
The Insurance Institute for Business and Home Security’s website provides tips for making your home safe. In addition to fire prevention, burglaries are also important concerns. Criminals know that homes with expensive jewelry and electronics are targets.
So it’s necessary to make sure valuables like computers and jewelry are locked up when not being used. Always have an alarm system installed in your home; this will alert you and the police in the event of a break-in or fire.
There are many things you can do to reduce fire. Keep windows and doors closed when no one is home. Never leave curtains open, especially near cooking equipment such as stoves and ovens. Install smoke alarms. An alarm will alert you and the police in the event of a fire. If you are concerned about protecting your family from fire, consider buying a fireproof house.
Flooding is another threat to your dwelling. It’s important to install a sump pump in your home in case of a flood. Sump pumps remove excess floodwater from your home’s basement. Insurance will repair or replace your belongings and possessions damaged by water. This includes your tub, toilet, & furniture.
Insurance will cover your home and your belongings in the event of theft. It is illegal to take these types of items to a forced foreclosure sale. Remember that items held inside your house may be at risk for burglary, fire or other disasters. Have a secured entry way for all your precious items & give them to a trusted friend or relative.
When considering buying a new house, research the cost of insurance coverage which will be required when buying a new house. Evaluate your home’s value to determine the amount you’ll need to insure your house. Look for insurance premiums that are lower than those of similar houses in your town. Consider several factors before buying house insurance.
If you own a mobile home, there are additional concerns. You’ll want to protect your vehicle against theft or vandalism. Mobile homes fall into a category of “high-risk” properties. Moreover, most insurance carriers won’t insure these types of homes. Be prepared to lose more than the market value of your home if it is damaged or destroyed.
People who have a home, condominium, or rental property will need to get homeowner’s insurance. This type of insurance covers your home from fire, vandalism, storm, & theft. It’s important to check with your insurance carrier to determine what is covered under your policy.
Most home insurance policies cover damage due to fire, flood, & wind. Condominium owners, tenants, & tenants of mobile home parks may obtain renter’s insurance that covers damage to your personal property due to fire, vandalism, & weather conditions.
One thing is sure: your home is a costly investment. You must ensure that you have adequate insurance coverage. You and your family may very well be saving money by taking advantage of discounts available from your insurance suppliers.
The best way to save on your house insurance is to compare multiple quotes online. The simplest way to do this is to visit a multiple quote web site.