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A new study has revealed just how valuable the contents of a women’s handbag are – which could have serious implications for many people’s home contents insurance.

According to Legal & General, the value of the contents of a woman’s handbag could come to £1,595, with research based on a list of widely-held items bought for mid-range prices. What’s more, many people carry around things which could be termed as priceless, such as family photos, a special gift or a lottery ticket.

The most expensive items which can be found in a woman’s handbag are Blackberrys (£250), iPods (£150), travel passes (£200) and glasses (£150). The remainder of the content value is made up by a plethora of assorted paraphernalia, including a purse, cash, a mobile phone, a notebook, a paperback book, pens, a diary, make-up, sweets, perfume, hairspray, hand cream, stamps, an umbrella, keys… the list goes on. Indeed, it is hard to believe that people can fit all of this into a single handbag – a suitcase on wheels might be more appropriate.

However, handbags themselves are also seen as a commodity, and can often cost as much as some of the contents that could soon be expected to be found in them. A survey at Lakeside shopping centre in Essex conducted this year on behalf of the Daily Express found that the average 30-year-old buys a new handbag every three months and will spend an average of between £185 and £380 on each one. Meanwhile, the world’s most expensive handbag – the Louis Vuitton Tribute Patchwork handbag – is on sale at £23,484.

The fact that men are also increasingly using a bag to carry about their personal belongings – dubbed the ‘man bag’ – means that Legal & General has moved to urge consumers to check to see whether carrying about such valuable items affects their home contents insurance. Most household insurance policies cover personal possessions away from the home as an optional extra, and as a result handbags would be covered if this option was taken up.

Complications could arise, though, if the value of contents held in a handbag (or man bag) exceeds the level of cover available. In such circumstances, people who are affected by theft or misplace their possessions could find themselves out of pocket – and it could be particularly costly if they have a penchant for designer gear and expensive electrical equipment.

Disclaimer:
This article has been written for information and interest purposes only. The information contained within this article is the opinion of the author only, and should not be construed as advice or used to make financial decisions. Expert financial advice should always be sought and any links contained within this article are included for information purposes only.

Article Source: http://www.articlesbase.com/insurance-articles/insurance-warning-for-handbag-carriers-311588.html

Author: andrew.regan.2006@googlemail.com
Source: http://www.articlesbase.com/insurance-articles/insurance-warning-for-handbag-carriers-311588.html

Living and working in Ohio can bring along plenty of opportunities to look for insurancepolicies. No matter what you do for a living or where you own a home, you need to have a few different plans to make sure that your life is protected from all sides. This could include home and contents insurance, OH auto insurance, and life insurance. If you combine all of these into one plan, you may find that you can actually save a lot of money while getting the things that you need. Even if you cannot do this, you should look into each policy on its own.

Home and contents insurance will give you full coverage over both the house that you live in and the things that you have inside of it. This is somewhat similar to renter’sinsurance, though that does not cover the building as well, because the property owner is responsible for it. With a home and contents coverage plan, you can rest assured that you will get back everything that you had even if your home is destroyed by a fire. You will not have to worry. Just knowing that the policy is there can take a lot of stress from your life.

You do not have a choice about getting OH auto insurance, though you can choose how large of a policy you want to take out. You must have something before you are allowed to take your car out on the road. A fully comprehensive policy will give you the most security and will be the best option for an expensive, brand new car. This will pay to fix anything that happens. If the car is so badly damaged that you cannot take it to the shop, the company will pay for you to get another one.

Life insurance is the most unselfish type of insurance that you can buy. Getting a plan shows that you are doing all that you possibly can to provide for your family. If you are the only one who works to pay for everything, this becomes even more important. You do not want your family to be lost without you, especially if you are killed in an accident at a young age.

All residents of Ohio should look into home and contents insurance, life insurance, and OH auto insurance. These policies are not very expensive and they can certainly make life better. You do not want to have to use any of them, but that is the blessing of insurance: It provides a way for you to be prepared at all times for the things that you do not want to happen and the things that you cannot know about beforehand.

Article Source: http://www.articlesbase.com/insurance-articles/three-types-of-insurance-everyone-from-ohio-needs-4762359.html

Author: Jeffrey Merver
Source: http://www.articlesbase.com/insurance-articles/three-types-of-insurance-everyone-from-ohio-needs-4762359.html

Author: DurhamTelly
Source: http://www.youtube.com/watch?v=UThaYLBnl3g

Author: Sensopia
Source: http://www.youtube.com/watch?v=Px9QTgr8fRY

When you want to compare cheap home insurance rates it can pay to use one of the many free online quote websites that are available. At the same time you also want to make sure that you are getting the best coverage for the best price because being underinsured is the last thing any homeowner wants.

Home insurance rates are variable and depend on a number of factors including the square footage of your home, the construction materials used in its construction, and the average cost of building a home in the area you currently reside. The geographic area in which your home is located can also affect rates depending on what types of natural disasters your area is known for. These are all things that you have little control over when it comes how it affects the cost of homeowners insurance.

This does not mean you can’t find cheap insurance because there are ways to help lower that monthly premium while making sure that you are fully covered against accidental damage or destruction. Check into your current deductible and if it makes budgetary sense consider raising it by $500 or more. You can also install security systems and purchase both your auto and home insurance from the same company. These simple changes can lead to significant savings on your monthly payments.

The best way to find low cost home insurance is by getting multiple quotes from multiple insurance providers. How many quotes should you get? The general rule is 4 or more. This will give you a good cross section of prices and coverage’s to compare before deciding to buy.

With the ability to get these free insurance quotes online this process is easier then ever. Back before the internet you would have to call each company and talk to one of their sale people in order to get a quote. This could be time consuming and more then a little frustrating. Now you can have your four or more quotes in a matter of minutes without having to talk to some pushy sales person.

Once you have your quotes in hand you can start your comparison as to which homeowner’s insurance policy will work for you. The first thing you will look at us of course the price’s quotes. While it would make sense to just choose the cheapest one you do need to make sure that it offers the coverage you need. It is therefore important to look over each quoted policy closely. Remember if it seems too good to be true it just might be.

Once you compare cheap home insurance with your free online quotes you can make an informed decision about your homeowner’s insurance needs.

Article Source: http://andrewbicknell1.articlesbase.com/insurance-articles/compare-cheap-home-insurance-with-free-online-quotes-656442.html

Author: Andrew Bicknell
Source: http://andrewbicknell1.articlesbase.com/insurance-articles/compare-cheap-home-insurance-with-free-online-quotes-656442.html

Laid off now what do I do?
Yesterday I had a job and today I’m jobless. Yesterday I went to work and after two hours of working I got called into the office and were one of four people who got the boot from my 12 crew shift. It’s very slow and we were told by the 2nd quater it should pick up and if it did they would call us back. In the mean time I need to find other employment options because it’s not guaranteed. I will get unemployment and had registered for it today as well as did some job hunting today.

My main concerns and questions I need help with are:

I was supposed to being closing on a home at the end of this month. Now I most likely won’t be able to although my bills are minimum and I can get by barely because my mortgage including insurance & taxes would be only $295.00 & util would be cheap compared to my rent which is $545.00

1. Would they allow me to close if I have no job?
2. My lease is up at the end of this month and landlord is unreasonable. My unemployment will only be $600-650 probably. Utilities is crazy like around $200 for a small 1 bedrm apt. Not including gas for car, insurance, food..etc

Is there some kind of public assistance I can get until I find employment? I’m a single male with no kids or outstanding debt. I hate the fact to get public assistance or to live in a lower income area but I doubt I could get welfare since I have no kids and I looked at subsidizing houses it’s for single mothers or low income families with chidlren. Is it possible to get Welfare if your unemployed with no child?

I only have a High School Education and only done factory work. I have savings thank goodness but I hear people being unemployed for over 6 months
lol Food stamps. I’ll take whatever I can get! As far as the house thing goes I guess i’ll wait and see if they ask me. I have savings to live off and I could for the most part live off unemployment if I got the house since the mortgage is cheaper than rent. I just don’t want to get over my head because I hear even qualified professionals are laid off 6 months and longer. I would hope I found something before then though. How do other singles survive when laid – off besides going back home to parents or rooming with someone else?

Author: Keith
Source: http://answers.yahoo.com/question/?qid=20090409201745AALrXl8

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Author: insurancefaq
Source: http://www.articlesbase.com/insurance-articles/insurance-uk-questions-and-answers-2064668.html

Basically, home contents insurance is insurance protection against the replacement cost that you would otherwise have to pay to replace the contents of your home in the event of then being lost, damaged or stolen.  The best homeowner insurance is the insurance that best meets your needs.

Generally, purchasing home owner insurance is not a requirement. Because of this, many people opt not to purchase home owner insurance. Why spend money on something that you are not required to have and may not ever need? Because the time might come that you need it.

To get the best homeowners insurance rate, you should do a bit of research work. If you cannot time yourself for it you can of course seek professional help. This approach is timesaving but you have to be cautious about your advisor. When shopping for homeowners insurance you should get price quotes from at least 3 to 5 companies. Check the rating of any potential insurance company.

The best homeowner insurance for you will be determined by the age and market value of your home. The discounts for older and newer homes are the same. The protective device discount for deadbolt locks, smoke detectors, and fire extinguisher apply to both types of policies. Fire and burglar alarm systems are additional discounts that could be applied to both older and newer homes.

Here are some common property insurance mistakes:

1.  Leaving gaps in home owner coverage.
2.  Ignoring properties unique characteristics.
3.  Underinsuring art and collectibles.
4.  Forgetting to insure household employees.
5.  Neglecting your liability as a board member.
6.  Failing to get frequent policy reviews and updates.

Here are some tips to get the best homeowners insurance rates:

1. First of all you should get the basic understanding about your home insurance rate and the different policies.
2. Before applying for homeowners insurance, you should shop around, so that you get the best homeowners insurance rates.
3. Some insurance companies provide more than one kind of insurance policy. For example, they will give you better rate if you buy auto policy along with home insurance. It also helps you get better home insurance rates.
4. Not only better rates, you can even get discounts if you are ready to install motion sensors or video surveillance cameras in your home, provided by the associate companies of home insurance company.

Another way to find the best quotes on home insurance is to use the Internet.  Through any search engine, you’ll be able to find sites where you can compare the quotes of several different companies at the same time.  Often by filling out a single online form, shoppers will be able to compare many policies at once. 

Always read the fine print of your policy. Check your policy carefully for limitations, exclusions and deductibles. For example landscaping, personal property, etc. Unscrupulous insurance companies can take advantage of you here. But again, the responsibility is yours. Important few things to discuss with your agent are flood insurance, windstorm insurance, maintenance, wildfires…

San Diego Home Insurance offers you a variety of ways to save money.

Article Source: http://www.articlesbase.com/insurance-articles/home-insurance-golden-rules-5036276.html

Author: Mare Nikolic
Source: http://www.articlesbase.com/insurance-articles/home-insurance-golden-rules-5036276.html

Author: CSPANHouse2011
Source: http://www.youtube.com/watch?v=MHhX1GkQsNs

I have a new 3-story townhouse. It is my primary residence and it was flooded with 2 feet of water back in Feb due to heavy rains. 11 other units in my neighborhood also looded. I went the cheapest route I could to repair everything and it cost me approx $4000 but it still isn’t 100% of what it was originally. Maybe 95%. Anyway, I saw in an IRS publication that I can not deduct just my repair costs. I have to have had an appraisal and then take the difference in fair market value as the deduction? I had my home owners insurance do an appraisal of the damages but they did no pay anything to me since I did not have flood insurance. What is the right way to deduct my losses?

Author: FL_FunGuy
Source: http://answers.yahoo.com/question/?qid=20061030212722AArMs3V