November 2009
5 posts
Life Insurance and Women - chapter 1
Women today have more lifestyle and career choices than ever before. However, whether a woman is married or single; a stay-at-home mom or climbing the corporate ladder, most are underinsured. No matter what lifestyle a woman chooses, it is important to know that any lifestyle is costly to replace.
The estimated annual cost to hire someone to cook, clean, and take care of children full-time is...
Home-Based Business Insurance - chapter 2
Office equipment, inventory, and computers are just some of the items business owners need to think about when it comes to their insurance.
Their homeowner’s policy may cover these items, but on a limited basis. Additional coverage would cover these items completely if there were a loss.
What to consider when you operate a home-based business:
-How much will your homeowners insurance cover if...
WatchA warning about Identity Theft in the store.
Home-Based Business Insurance - chapter 1
High-tech communications and the Internet are making it possible for more people to become self-employed by offering services out of their basement or spare room.
A home-based business creates a unique need for business personal property and business liability insurance. Most standard homeowner’s policies do not extend adequate coverage for a home-based business located in a person’s home.
The...
Home Market Value vs. Replacement Cost - chapter 3
Replacement Cost is determined by:
-Local construction costs for materials and labor -Square footage of the home -Year built -Exterior Features (i.e. walls, roof, exterior trim) -Style of house (i.e. ranch, two-story) -Number of bathrooms -Special features (i.e. fireplace, arched windows, any custom building) -Recent home improvements -Central air conditioning -Attached garage -Additional costs...