How to Get the Best Life Insurance Quotes »
Life insurance is often a necessity for families. However, finding the best life insurance quote can be challenging. Learn a few s…
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From Business: HID Global is the premier manufacturer of contactless access control cards and readers for the security industry and has shipped more than 200 million credentials t…
Life insurance is often a necessity for families. However, finding the best life insurance quote can be challenging. Learn a few s…
Obtaining the best auto insurance quotes online requires preparation and evaluation. Find out how to locate the policy you need at…
Finding affordable health insurance is a matter of comparing your care needs to your financial situation. Find out about strategie…
ADKOR…A Different Kind of Realty: This certainly is not just a slogan or advertisement…it’s a fact! In my combined 30-year career with the military and Federal Government I’ve relocated about 14 times and have never employed the services of a realtor. When contacting AD...moreKOR I didn’t know what to expect, but what I uncovered is a company with staff that are honest, professional, organized, punctual, conducts research and has answers for all questions, responsive and follows up, discerning, patient, friendly and courteous, flexible and goes the extra mile. I had a short-fused PCS from Michigan to Austin, TX. By short-fused I mean three weeks to schedule shipment of my household goods, my privately-owned vehicle and to arrange for a flight and rental car. Well as fate would have it, this turned out to be most disastrous move ever. Everything that ‘COULD’ go wrong ‘DID’ go wrong…from a bedbug infestation at the Extended Stay Deluxe (Austin Metro) to having my vehicle damaged by ReloTrans, 6-75 Truck & Auto Repair Inc., or Six Nations Transport Inc. (All three had some involvement in transporting my vehicle, but neither would accept responsibility for the damage.) My encounter with Ashley Messer of ADKOR is the only aspect of my move that ‘DIDN’T’ go wrong. I was referred to Ashley prior to my departure from Michigan. [Side note: The referral came from one of my soon-to-be co-workers who had also recently relocated to Austin and had made contact with three other realty companies for which she labeled as “pathetic.”] I called Ashley right away, and by the next day she had already sent up a search criterion with my preferences for which I started receiving daily email messages with a listing of available properties. I was able to view the properties online, make notes regarding each and assign them to my list of ‘possibilities’. By the time I arrived in Austin I already had a list of potential homes to view. Based upon my online comments as well as her in-depth knowledge of the properties, Ashley knew exactly which homes would withstand my intense scrutiny and satisfy my picky taste. [I’m one of those ‘look behind the refrigerator and under the top surface of the stove because I refuse to live atop of someone else’s filth’ kind of people.] On my third day in the city I was already out looking for my future residence. Altogether, Ashley took me out on four showings where I viewed 30 homes, and each time she was just as nice as on the previous outing. In a nutshell, my experience with Ashley Messer of ADKOR was extremely pleasant. If I decide to remain in Austin and to ultimately purchase a home, ADKOR will definitely be the realtor I choose. With that said, I can guarantee you that ADKOR will provide the same superb service that I received…because that’s just who they are!!! view less
My husband and I recently purchased our first home in Central Austin; and it could not have been possible without the help of Mark Strub and his team at Strub Residential. We started looking at the housing market in Austin, when my husband was made Associate Professor at...more UT, Austin; and we had pretty much a few months to plan and execute our move. Since we were moving from overseas, we talked to as many real estate agents as possible on the phone, prior to our first visit to the area for “house hunting.” Already from our first phone conversation, Mark Strub stood apart from other “highly reviewed agents” in the area, such as Eric Bramlett. Mark was funny, likable, and a genuinely good person. He was not just “doing business;” he took the time to get to know us and our unique preferences, before setting us up with our own MLS search page for potential listings. As first time homebuyers, we had a lot of questions about everything; and there was not a single question that Mark did not know the answer to. He was always available and extremely proactive with all of his communication. He also seemed to have a really good handle on listings, sending us emails about places that were going to come on the market before they even did and keeping us ahead of the game. When the time came for our three day house hunting trip to Austin, Mark went out of his way to be available anytime we wanted to look at places, day or night. Once we narrowed down our search to a particular community, Central Austin, Mark not only scheduled for us to see all the available houses in that area, but also the schools, as this was our top priority as parents of three school aged children. When we found our “dream home;” Mark was incredibly helpful in bargaining with the seller and getting us the price that we were comfortable paying. At our closing, he was the first one to congratulate us. By that time, he had became somewhat of a “family friend.” He is certainly much more than our “broker.” Over the past three months, we have taken Mark’s expert opinion on things ranging from “types of roofing materials” to “what to do in Austin with kids on weekends.” Mark is now helping us renovate our new house using the amazing connections that he has in Austin. He literally knows anyone and everyone in the real estate market: arborists, inspectors, electricians, contractors- you name it, and Mark can get you in contact with them! In short, Mark Strub is the best realtor you can ask for. He will get you your dream house and not stop until you are 100 percent happy with everything! I would definitely go to Mark again for anything related to real estate in Austin. view less
A year prior to selling our house, I started doing my research around the neighborhood at the different agents that were selling the houses in our area. I would monitor each house in how long they took to sold, how much they sold for and how it was presented to the buyer. Th...moreough I had never met this Realtor, on paper he looked awesome. He was always able to sell the home in days or a couple of weeks, the staging of the homes looked great and his clients were always getting asking price. When it came time to pick a Realtor, I went with my gut and chose the Roman Lopez Team. This was the right choice for our family. We needed to sell our home and buy our new home in a 45 day span. Roman Lopez and Melissa Galvan did an awesome job in helping us buy and sell our home. Melissa and Roman were always a call away and were helpful in what ever questions we needed answer. Roman did an awesome job going to our house and telling us what we needed to do to improve our home to make it more appealing to the buyer. Though i didn't want to go thru all the work of purging the house, painting and improving the look at the house and staging the house, Roman was spot on on what the buyer would want. He was right and it paid off. Roman and his team made this transaction run smoothly. When it came time to pick a buyer, Roman was always there guiding us with his professional advice. Melissa was also wonderful in the buying process. We met with her to discuss the type of home we wanted and the budget we were looking for. We had picked a subdivision that we wanted to live in and while the house that we wanted was not available, we found another house for us to live in. She was great in giving us advice at what to look for when buying a home. She was always an email, phone call or text away and she was always informative in answering our questions. Both Roman and Melissa were also there for the closing of selling and buying our home. They made this process seamless. I would definitely recommend this team when you are looking to buy or sell a home.view less
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.