Happy New Year

Thank you for visiting my site throughout the year.

Willie Handler

Insurance News - Wednesday, December 30, 2015

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Wednesday, December 30, 2015:

• City of Toronto won’t block Uber’s new $5 commuter service but it is doing a legal review.
• Another legal battle for Uber as the Seattle city council votes to treat Uber drivers as employees by giving them collective-bargaining rights.
• California sets rules for self-driving cars; must have steering wheel and licensed driver behind the wheel. Google is not happy.
• Google plans to make its self-driving cars unit, which will offer rides for hire to compete with Uber, a stand-alone business under the Alphabet Inc. corporate umbrella in 2016,
• The self-driving car, that cutting-edge creation that’s supposed to lead to a world without accidents, is achieving the exact opposite right now.  Because driverless cars obey the laws, humans don't so much.
• Google and Ford are about to announce they are forming a partnership to build self-driving cars.
• Wawanesa Insurance is asking policy holders if they are driving for Uber. And cancelling policies if the answer is yes.

Insurance News - Sunday, December 27, 2015

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Sunday, December 27, 2015:

• Studies suggest that insurance customers will walk away if purchasing insurance is slow, complicated and difficult.
• The $75,000 problem for self-driving cars is going away as the cost of LIDAR sensors drop.
• Self-driving cars can lure drivers into false sense of security and even lull them to sleep.
• If you want to know why Uber ignores regulators and not intimidated by law suits?  Because they are worth around $85 billion.
• Uber is testing out food delivery in Toronto.  
• Uber is also trying out commuter service to compete with the TTC.
• In Uber fight, taxi drivers on wrong side of history – and consumerism.

Safe Travels this Holiday!

The Holidays are in full swing and with Christmas just a couple of days away; many have already started their Holiday travels. Being the insurance people that we are, here are a few tips for a safe and secure season of travel.

1) Make your home seem like someone is still there. You can do this several ways. Leave your front and back porch lights on so that at night your house is lit up. Ask a neighbor to collect your mail while you are gone so it doesn’t stack up. You can also ask the post office to hold if for you until you get back. Another way to make it look like you are home is to ask a neighbor to pull in and out of your driveway at some point if it snows giving the appearance that you have been in and out of your house.

 

2) Don’t show off to the Facebook world that you are on vacation. I know this can be tough for some but letting everyone know you are out of town on Facebook can be dangerous. We recommend waiting until you get home from your trip before you post vacation pictures.

 

3) Car travelers should be prepared for heavy snow at all times. The best way to do this is to make sure you have extra blankest, windshield washer fluid, ice scrapers and even a small shovel. You never know when you might need any of those things. Also, be sure to have your phone charged during the trip so that you have it in case of an emergency.

 4) Don’t skimp on heat in your home: This time last year our big recommendation in our “Traveling Over the Holiday” blog article was to keep the heat in your house at a reasonable level so your pipes don’t freeze. Again, we recommend this.

Those are just a few simple tips. We here at Fey Insurance hope you have a wonderful Holiday and Merry Christmas

Government Posts Proposed Changes to DRS Regulations

The Ministry of Finance has posted proposed changes to Insurance Act regulations to provide for the transition the Automobile Insurance Dispute Resolution System from the Financial Services Commission of Ontario (FSCO) to the Ministry of the Attorney General's Licence Appeal Tribunal (LAT), and the wind down of disputes filed at FSCO. 

Proposed amendments include:

 • The last date for submitting applications for mediation, neutral evaluation, or the appointment of an arbitrator to FSCO will be March 31, 2016. 

 • An application for an appeal to the FSCO Director of Arbitrations will only be accepted where the application for the appointment of an arbitrator was received by March 31, 2016. 

 • As well, an applications for a variation or revocation to the FSCO Director of Arbitrations will only be accepted where the application for the appointment of an arbitrator was received by March 31, 2016. 

 • The Office of the Director of Arbitrations will continue to function until all notices of appeal and all applications for variation or revocation have been finally determined. 

 • Statutory Accident Benefits Schedule (SABS) provisions that apply to the dispute resolution process at FSCO will continue to apply, as they read on March 31, 2016, to all applications that were received by FSCO before the transition date but are not finally determined before that date. The SABS will also be amended, where necessary, to apply to applications filed at the LAT on or after April 1, 2016.

Thanksgiving Safety Tips from NFPA

Here is an article from the National Fire Protection Association (NFPA) on Thanksgiving Safety Tips.  From our family here at Fey Insurance Services to yours, have a wonderful and safe Thanksgiving! 

THANKSGIVING SAFETY TIPS
The kitchen is the heart of the home, especially at Thanksgiving. Kids love to be involved in holiday preparations. Safety in the kitchen is important, especially on Thanksgiving Day when there is a lot of activity and people at home.

Safety tips:


•Stay in the kitchen when you are cooking on the stovetop so you can keep an eye on the food.

•Stay in the home when cooking your turkey and check on it frequently.

•Keep children away from the stove. The stove will be hot and kids should stay 3 feet away.

•Make sure kids stay away from hot food and liquids. The steam or splash from vegetables, gravy or coffee could cause serious burns.

•Keep the floor clear so you don’t trip over kids, toys, pocketbooks or bags.

•Keep knives out of the reach of children.

•Be sure electric cords from an electric knife, coffee maker, plate warmer or mixer are not dangling off the counter within easy reach of a child.

•Keep matches and utility lighters out of the reach of children — up high in a locked cabinet.

•Never leave children alone in room with a lit a candle.

•Make sure your smoke alarms are working. Test them by pushing the test button

Provisional Coverage: What Does It Mean?

Provisional Coverage: What Does It Mean?

From the moment a car is in your name, you are required to insure this WA. This means that you should be insured for the damage you cause to your vehicle to others. Additionally, you can then opt for an airframe or additional insurance. After submitting the (online) application for car insurance, the insurer will issue a temporary cover. But what is it

Comprehensive Car Insurance VS Advantage Of Third-Party Car Insurance

Comprehensive Car Insurance VS Advantage Of Third-Party Car Insurance

The advantage of third-party car insurance

Before enumerating the advantages you have comprehensive car insurance comparison is derived from a third-party car insurance, first make the distinction between the two, and hit the ground running. Third-party car insurance is known as liability cover only, because you are hitting

Building Insurance Overview

Building Insurance Overview





Carefree construction even if you build only a small house, often dare a great adventure. Because until the house is ready, the roof on top covered and the homeowner is drafted, may already be happening a lot. This can both relate to the building itself, as well as future neighbors. Even accidents of craftsmen or the owners themselves can have dramatic

Effective Ways To fill Online Quote

Effective Ways To fill Online Quote

When we compile a quote online insurance, we must bear in mind that there is no company better than another, but only one that will be more suited to our needs. For this reason we must take into account the services offered and the guarantees you requested, they do fluctuate more or less the price. Now let's see the various information that will be asked

Accident Insurance: What it Covers and How the Accident Insurance?

Accident Insurance: What it Covers and How the Accident Insurance?







The Injury is by definition an event due to fortuitous, violent and external that produces objectively ascertainable physical injuries that result in death, permanent disability or temporary disability.




This is what most often we read in the Glossary of Accident Insurance.




An injury to be considered as such and

Accident With A Car Without Insurance: What To Do?

Accident With A Car Without Insurance: What To Do?






What happens if you are involved in an accident and the other car is uninsured or run away without being identified? Who should intervene?




In case of car uninsured or unidentified intervenes the Guarantee Fund for the victims of the road, an organization operating from June 12, 1971 administered by Consap (Dealership Insurance Services

Flue season: Have your fireplace and chimney inspected

-Cincinnati Insurance Company (Paul Thibault)

Home heating fires are the second leading cause of home fire deaths after cooking fires, according to the National Fire Protection Association. Fireplaces, chimneys and flues account for a significant number of home heating fires.
Homeowners with a wood-burning fireplace or solid fuel stove or insert can protect your property and your family by having a qualified professional inspect and clean your chimney at least annually to prevent a buildup of creosote.
Creosote is a tarry residue or solid organic compound caused by incomplete combustion of wood that can build up in chimneys and ignite a chimney fire. A heavily used fireplace or stove may require periodic cleaning throughout the heating season. NFPA statistics show that failure to clean creosote from chimneys was the leading factor in 28 percent of the home heating equipment fires between 2007 and 2011.
The U.S. Fire Administration offers a series of videos showing how to safely build and tend a fire. Additional tips for safe fireplace and wood stove use:
-Equip your fireplace with a sturdy glass or metal screen to stop sparks from flying into the room.

-Inspect your fireplace’s flue prior to use for any obstructions or blockage by using a flashlight and looking up the flue. This also assures that the flue’s damper control is open prior to lighting the fire.

-Keep anything that can burn at least three feet away from the fireplace or wood stove. NFPA statistics show 53 percent of fires resulting in home heating fire deaths were caused by having heating equipment too close to things that can burn, such as upholstered furniture, clothing, mattresses or bedding.

-Only adults should build and tend a fire; enforce a three-foot “kid-free zone” around fireplaces and wood stoves.

-Always use the right kind of fuel, specified by the manufacturer, for inserts. For fireplaces and wood stoves, use only seasoned wood. Green wood increases creosote buildup.

-Do not burn cardboard, wrapping paper or other rubbish in the fireplace or wood stove.

-Never use lighter fluid or any flammable or combustible liquids to start the fire.

-Make sure a fully charged fire extinguisher is nearby and accessible.

-Install smoke alarms and carbon monoxide detectors as recommended, change the batteries twice a year, and test them according to manufacturer’s recommendations, usually monthly.

-Put out fireplace fires before going to sleep or leaving your home.

-Allow ashes to cool prior to cleaning out a fireplace or wood stove. Ashes that seem cool may contain concealed hot embers for several days after your last fire. Place the ashes in a covered metal container and keep the container outdoors a safe distance away from your home or any buildings.Have fireplace inserts or wood stoves installed by a qualified professional who can meet the established NFPA 211 standard. Never attempt to install them yourself. According to the NFPA, 10 percent of fires involving heating appliances actually involve the ignition of structural members where flues or chimneys pass through a building’s wall.

How To Detect A Fake Third Party Motor Insurance Certificate

To drive a car on Nigerian road one of the major requirements is for you to have a minimum of Third Party Motor Insurance Certificate. This is enshrined in the Section 68 of the 2003 Insurance Act which states, “No person shall use or cause or permit any other person to use a motor vehicle on a road unless a liability, which he may thereby incur in respect of damage to the property of third parties is insured with an insurer registered under this Act.”

But besides the legal aspect of it, do you know that there is N1m property damage cover and unlimited life cover to Third Parties on your Insurance Certificate? It is a sad situation in Nigeria that people are ignorantly or willfully (because of cost) purchasing fake certificates. My people, the bible says, perish for lack of knowledge. According to The police 90 per cent of Third Party Motor Insurance Certificates presented to them on demand by motorists at checkpoints are fake!

Ordinarily it is quite difficult to different between an authentic and a fake certificate because of the quality of the finishing of some of the certificates. But in 2012 the industry inaugurated the Nigerian Insurance Industry Database (NIID) with the mission to wipe out fake papers to give room for genuine ones to boom in the nation. This will allow law enforcement agents and vehicle owners to verify the authenticity of motor certificates within a minute! The Police now will be able to detect with a certain electronic device in their possession if your certificate is real or fake. Please do not be caught unawares, read on to find out how to detect the fake one yourself before it is too late.

There are three methods to it.

Please read the rest here.

Olumide Richard - That's Love

Wow this is something fresh.....for y'all lovers! From my music mentor - he taught me all I know in music.

Applying for loans for people with bad credit

The task of finding a loan of any kind is not easy these days. Lenders have tightened their terms, while for the majority of the people of loan limits have become smaller. It would appear that the chance of getting a personal loan with bad credit in the current economic climate is almost impossible. But it is not really the case.

It is also tempting to believe that the loans for people with bad credit are subject to the provision of extremely strict conditions, with terms that are just too hard to live. But it is not really the case.

That is what this case is that, with a little patience and diligence, even people with low credit scores can find loans for personal use. It is simply a matter of knowing where to look and what to look for.

Loan Internet option

The advent of the Internet, in particular, caused a radical change in how lenders operate on the market. And because of the financial difficulties that everything that we live due to the economic recession in recent years, a new ideology has taken the road. Now, the bad credit rating does not pronounce on a person out of the race for a loan, and personal loans with bad credit are available. Also, where once a person with a low credit rating might suffer the consequences, the competition between lenders means that good conditions of the loans are actually available.

The fact is to recall loans for people with bad credit have become a popular niche market. People who are eager to improve your score make you a concerted effort to meet the requirements of the loan program, which means that lenders make their profits. So, feel much more secure loans for your personal use, as well as the most accurate, such as automobile and housing loans.

Easy application

One of the biggest advantages of searching for personal loans with bad credit online is that the process of application for them is very simple and very fast. This is due to two main reasons, but there may be some variations due to the procedures of the particular company that the individual lenders may have. For more visit: www.bestratedloansforpeoplewithbadcredit.com/

The first reason is that the application form has been reduced by a two or three pages of a computer screen. The information you are looking for is simple because of the need to keep things simple. To provide loans for people with bad credit, it is good to make the point with direct questions. It is not the same when a loan officer speaks to a customer in a Bank, and explanations can be provided.

It may seem cold, but it can work in favour of the applicant, with those who are asked questions about the purpose of a loan for personal use, for example.

Fast approvals

With a request for such aerodynamic shape, it is little who controls duplicates before granting personal loans with bad credit. Information can be easily verified details of credit shared by all credit institutions, while additional information may require a call to the authorities or relevant contact.

What this means is that the approval of loans for people with bad credit is very, very fast. In general, 24 hours is regarded as short period of time to obtain the confirmation of approval, but some lenders can offer this kind of news in a matter of hours. This is because, even when the loans are looking for personal use, some lenders do not carry out checks on the credit as a matter of policy.

Business Tips: Controlling Risk For Property Owners

-Cincinnati Ins. Co (Kevin Oleckniche)

Losses that occur on property you own can affect your livelihood and that of your tenants. They also can affect your insurance rates and eligibility. Without the proper controls in place, you could be saddled with the responsibility of owing for injury or damages that you did not cause.

RECOGNIZE THE RISKS

When you understand the risks you face as a property owner and lessor, you can better manage them. Consider these scenarios:
Natural perils – A tornado sweeps through town, damaging your building and your tenants’ contents.
Fire – A grease fire starts in a restaurant at one end of your building. Before it is extinguished, fire damages multiple units and tenant contents.
Third-party injury or illness – A patron slips and falls in the parking lot, spraining her ankle.
Change in occupancy – A restaurant replaces a retail store in one of your units. As a property owner, you want to determine if the current sprinkler system is able to handle the demands of a restaurant.
Change in tenant operations – A retail craft store expands its operations to include pottery making. With this expansion, your tenant adds kilns to heat-treat ceramic projects.
Vacancy – Your unoccupied building is vandalized, resulting in damaged property.

REVIEW THE RESPONSIBILITIES

A well-designed lease agreement can assist owners in transferring responsibility for payment due to bodily injury or property damage to the legally responsible party.  Consult with legal counsel when evaluating your current lease or other formal contract.  When consulting with your attorney, consider whether your agreement:

-is signed by all tenants
-contains appropriate anti-subrogation wording and indemnification–hold harmless provisions favorable to you and acceptable under your state’s laws
-authorizes you to develop, change and enforce rules and regulations for the premises
-defines which areas you control and which the tenant controls
-defines the maintenance obligations of all parties while specifying the scope of the operations and the steps you will take if the tenant defaults on these obligations
-grants you the right to inspect the leased premises for conformance with the lease provisions concerning maintenance and to point out to the tenant any obvious hazards
-requires the tenant to obtain permission before performing any building alterations
-contains provisions regarding use of hazardous substances, dispensing of liquor and other activities that increase the risk of loss
-requires service contractors who come on your premises to provide certificates of insurance verifying adequate limits of insurance and appropriate state licenses, where applicable
-requires tenants to obtain specified liability insurance on behalf of the owner, with you listed as an additional insured on a primary basis. Make sure you obtain proof that the tenant has acquired and maintains all required insurance.

Consult with legal counsel to familiarize yourself with state laws before you lease space to bars, restaurants or stores that sell liquor.
While it is your duty to live up to your obligations as a property owner, it is also wise to make your tenants take responsibility for their actions and premises upkeep.
Your local independent insurance agent is there to help you maneuver around the challenges you face as a property owner. Contact your agent whenever a new tenant moves into the building, a current tenant changes its operations or part of the building becomes vacant for 30 days.

Homeowner Policy: Section 1

A homeowner policy is made up of two sections, Section 1 Property and Section 2 Liability.  This blog post will focus on Section 1 which outlines the four property coverages provided by a homeowner policy.  Those four coverages are as follows:

 

-Coverage A Dwelling:  This coverage pertains to the actual house itself.  The limit shown on the policy in this section is the amount of insurance the policy will pay out if the house was totally damaged.  It Is important to understand that this limit of insurance should be based on Reconstruction Costs (the amount it would take to rebuild the house) instead of Market Value (the amount you can buy or sell the house on the real estate market).  For more details on this check out our Reconstruction Cost vs Market Value article.  The dwelling limit of insurance will drive the other three parts of Section 1 Property so for example purposes let's say our Coverage A Dwelling limit is $200,000.

 

-Coverage B Other Structures:  Other Structures are property located on your land that are not permanently attached to your home.  This would be things like detached garages, fences, sheds, barns and pools to name a few.  Back in the 50's this was a much more common concern to have Other Structures coverage because the norm was to have a detached garage.  Today many garages are part of the house so this coverage is not as much of a focus on new homes.  The homeowner policy, however, automatically includes this coverage in most cases so even if you do not have a need for it, still it is there.  The limit for this coverage is usually 10% of the dwelling limit so if our Coverage A is limit is $200,000 then our Other Structures limit is $20,000.  

-Coverage C Personal Property:  This section covers your contents, your personal belongings inside the house, such as TVs, clothes, furniture, pictures, etc get its coverage.  The important thing is to be sure that you have replacement cost coverage for you Personal Property and not actual cash value.  If you have actual cash value it means they will take into account how old your stuff is and not give you enough money to go out and replace your items without having to go buy used.  If you have replacement cost coverage you can go replace your furniture with new furniture from a store and the policy will reimburse you the full amount.  Coverage C Personal Property is also derived from the Coverage A Dwelling and usually is 70% or 75% of the amount.  This means that if our Dwelling limit is $200,000 then our Personal Property limit would normally be $140,000 or $150,000.

-Coverage D Loss of Use:  Loss of Use means that if you have a claim on your house that makes it so that you can not live in the house for a period of time, the homeowner policy under this section will help pay for your lodging expenses and some of your eating out expenses (usually 1/3rd of your meal expenses).  This loss of use might be for a few days or a few months depending on the extend of your homes damage.  The limit of coverage given under this section can very from company to company.  Some companies give a time period they will cover it for (example 2 years) or they will just pay what ever the amount of loss is (actual loss sustained).  Some companies, similar to how they do it on the Other Structures and Personal Property section, give a percent (usually 10%-20%).

Pet Insurance Overview

Pet Insurance Overview
Whether food, toys, or the cost of the vet: In Germany there are approximately 14 million four-legged friends, their health and well-being their holders is worth a lot of money. As in America, insurance companies are also becoming increasingly popular in this country, with which the risk of illness of the beloved animal may be hedged. There is also a liability insurance

The Sophia Bello's Blog: If Facebook Started in Nigeria

The Sophia Bello's Blog: If Facebook Started in Nigeria: Imagine Mark Zuckerberg was a Nigerian, living in Nigeria. He’d have attended Obafemi Awolowo University (OAU) where he’d have had the i...

Accident Insurance At A Glance

Accident Insurance At A Glance

Casualty insurance Although everyone thinks that it is always only the other applies: An accident has happened quickly. For only a brief moment of inattention is sufficient. However, the consequences of an accident can change life drastically. Who is permanently incapacitated, has quickly reached the end of the money. Accident insurance provides financial help

The Buildings Insurance: 6 Questions You Should Know Today About The Buildings Insurance

6 Questions You Should Know Today About The Buildings Insurance

You know this is a home or building insurance is a form of general insurance, you are guaranteed places the value of the insurance companies and the house or building for the future disasters that may occur. Here you pay a monthly or yearly premiums as a sign of commitment to ensure that the insurance you are entitled to

Fire Insurance Claims: This job is your business going to do if a fire incident

Fire Insurance Claims: This job is your business going to do if a fire incident

Fire is least expected and most of all you want to buy, but they still managed to happen when you least expect one.

It can be the destruction of collateral damage which can occur due to many things and people in the most terrible place of fire business; A single fire incident at the place of business a terrible

Useful Tips For Your Health Insurance Costs

Useful Tips For Your Health Insurance Costs

Why pay more for health insurance 2015 when you pay less? In fact, 60% of the ignorance of consumers to pay more for insurance, your health should consult with advisers and other financial professionals and their reason is to calculate your insurance premiums; Especially since most health insurance tend to michineunwa affect the amount paid by

Catastrophe Liability Protection

How much liability protection do I need to carry to protect me and my family? Unfortunately there is no simple formula which you can use to calculate how much liability insurance you really need. With your home or a commercial property, there are computer programs which will help determine the construction replacement Please contact us, and we will prepare a quotation for your review on this very important catastrophe liability protection.
cost of the building, but there is no such program in the area of third party liability claims. Some insurance companies claim they make you “legal” for less, but in Ohio, for example, that means bodily injury limits of $25,500 per person/$50,000 per accident and property damage limits of $25,000. Any kind of serious accident will wipe out those limits in a heartbeat. As a bare minimum, we recommend no less than $500,000 in Personal Liability and $250,000/500,000/100,000 in Automobile Liability, but higher limits are available and recommended. This is where the Umbrella Liability Policy comes into play. These policies are written in increments of $1,000,000 with $1,000,000 being the lowest limit you can purchase. Limits of $1,000,000 to $5,000,000 are usually available, and higher limits are also available depending on the circumstances.

Life Insurance Quotes : You know the terms before speaking with your agent

Life Insurance Quotes : You know the terms before speaking with your agent







It is to schedule a meeting with your life insurance agent can be a threat. It is thrown around all the jargon and life insurance policy may be difficult to maintain the support. But you go in prepared, know your life insurance by the terms and definitions, you should be able to continue and will do the right

Auto Insurance: Information About Auto Rental Insurance

Auto Insurance: Information About Auto Rental Insurance





When you book your Auto hire for your holiday, you should not underestimate the importance of Auto insurance. To stay informed, you should always read the information about insurance, Auto reservations.

Here is a guide to the insurance for the Auto

Basic insurance with a deductible is included in the price of Auto Europe. As a broker

Tips on Auto Insurance: Auto Insurance Quotes

Tips on Auto Insurance: Auto Insurance Quotes

Auto insurance quote is a document that shows in detail the costs and conditions of the contract of the policy options. If you want to find a good auto insurance affordable to compare different quotes provided by the insurance company in order to evaluate in detail the bidding.

Comparing the cost estimates proposed by various insurance companies

Car Insurance: Choose The Right Car Insurance Policy

Car Insurance: Choose The Right Car Insurance Policy




On the road insured insured - friend, comrade and brother. Without a good trip insurance to protect the city in rush hour can spoil a lot of nerves. For the fifth time in a row when you cut, making for emergency braking, unwittingly begin to remember what is written in motor insurance contract and ends when its validity. And off-loaded in

Health insurance: Health insurance Which do you choose?

Health insurance: Health insurance Which do you choose?

The average cost of health insurance depends on the content, each health insurance company asking for policy costs and provide funds of different claims. To learn how to choose the right health insurance and how you can save money there.

In this srtikel Julia Brykulska, medical practitioners from Ukraine would suggest insurance, which

Car Insurance As A Reliable Protection for Private Car

Car Insurance As A Reliable Protection for Private Car

On the road there are often unexpected situations. Even if you consider yourself a driver who is very experienced and skilled, you can not feel in complete safety. Sometimes the cause of the accident could be the bad weather conditions, accidents, pedestrians or other road users. In this case it is better to join the car insurance. Choose

Insurance Things to Consider on Rental Properties

Over the last few years many homeowners have turned into landlords.  With the real estate market drop, those that decided to purchase a new house also decided to not sell their prior home for fear of a financial loss on the property.  Instead, they have turned their prior house into a rental.  The trend still continues today even after the real estate market has rebounded some because landlords are seeing great cash flows from renting.

Here at Fey Insurance Services we insure a number of these properties and on occasion we are asked by clients if we have any insurance tips in renting a property.  When asked we always mention these five things:

1.  Temperature Requirement in the Lease:  It is a good idea to include a clause in your lease that requires the tenant to keep the heat no colder than 59 degrees.  This is important because around the Holidays many tenants will travel and if they want to try and save a buck they may turn off the heat.  Pipes do not enjoy this especially with a polar vortex threatening again this year.  This way, if they do turn the heat off and pipes break you can pass that damage on to the tenant.

 

2.  Renters Insurance for Tenants:  Since you may have passed on the risk of pipe freezing damage to your tenant you then want to make sure they have insurance in place to pay for such damages.  Requiring tenants to have renters insurance is a good idea.  Not only does it protect their contents (which is excluded under your policy), it protects your property if they are negligent in causing damage to your property.  I would recommend they have liability limits at least the value of your property.

3.  Dogs:  Know your states laws on dog attacks.  For example, in Kentucky there was a law recently passed that could drag landlords into dog attack claims.  This may make it difficult to get insurance for a property that has a dog.  If you are going to allow dogs to live on your premises it is best to limit which kinds as some insurance policies exclude coverage for "vicious dogs".

4.  Loss of Rents Coverage.  Make sure your rental property insurance policy includes coverage for loss of rents.  If you sign a year's lease with someone and then have a fire a month later, you are going to be out 11 months of rent or at least however many months it takes to rebuild the house.  You can recoup this loss with loss of rent coverage.  Also, make sure that you have enough loss of rent coverage.  Many polices give  you 10% of your dwelling limit or give you a flat $25,000.  Add up your annual rents and make sure you have enough coverage.

5.  Certificates of Insurance from Contractors:  Unless you yourself are handy, you may be employing contractors to do fixes around your rental property.  We strongly recommend you ask these contractors for proof that they have insurance.  If they were ever to cause damage to your tenants contents or to your tenants person, you would want to make sure they have insurance to cover such things.

Gets approve loans quickly

Online cash loans are the source of borrowing money to meet your urgent expenses without stress. Although assistance for monetary necessities short called, but these loans seem to be a little expensive. Money online loan application process is simple and yet you have to be aware of the various aspects cash loan to avoid problems later. For more visit  topratedcashloans.net

Here are some important things you should be alert before asking for money online:

Is ready online safely?
Yes, it is sure that you borrow money against your salary, which is really unsecured loan. However, it is imperative to check the reliability of the specific company you are applying. Therefore, it is essential to consult the company's website and through the use of the terms and conditions of business apply for loans.

How to find the right loan company
All financial institutions or companies that offer financial issues are limited to obey federal laws on the annual interest rate or mark ups and other financial obligations. If the business or company in particular is recorded with all of the organization of the government, it will definitely follow all regulations.

How long loan gets approved?
When you complete the requirements online loan lender, it hardly takes 24 hours for the loan is approved and the money is directed to your current account.
How long you need to repay the borrowed funds
As online cash advance loans are short called unsecured loans are sanctioned for a few days or between your two paydays. Therefore, you must repay the borrowed funds within two to four weeks or by company policy. Here it is important to know the charges or additional markup is applied if you delay the repayment.

How many online cash loans official of the company?
As loan lenders make money to do the processing fee, you pay on each loan of $ 100. Normally, the fee is $ 10 to $ 40, but can vary from company to company. Either fee is added to the money borrowed funds refund or is directly deducted from the loan approved. In this case, you will get the amount left after expenses.

What if the reimbursement is delayed or not paid?
For some reason, if you are not able to pay the loan in time, the company would renew the term of a month or salary. But, this will cost you high interest rates and could become a cause extra burden on your pocket.

allAfrica.com: Nigeria: NHRC Questions Implementation of National Health Insurance Scheme

allAfrica.com: Nigeria: NHRC Questions Implementation of National Health Insurance Scheme

Insurance Quotes: Using the Click - to - Call - Health Insurance Quotes

Insurance Quotes: Using the Click - to - Call - Health Insurance Quotes

Are you wondering where you can get instant health insurance quotes? Not all really know where they can get a quote instantly for a health insurance plan that they finally meet with an insurance agent before they can get the quotes. However, this seems to be impractical because it would take a lot of time on their part.

Now you can have a Great Car Insurance Deals

Now you can have a Great Car Insurance Deals

There are two ways to get car insurance quotes. Before the Internet, getting quotes is difficult. It is a waste of time and energy. Many companies provide insurance car insurance quotes online. Most car insurance providers to offer online quotes. Looking for car insurance quotes by using specific keywords. Read this article to find out how to find

Ohio Teen Driver Changes

Effective July 1, 2015 there have been some changes to the laws for drivers under the age of 18 in the state of Ohio that all teens and parents of teens should be aware of.  The changes are as follows:

-No driving between midnight and 6 a.m., unless a parent or guardian accompanies the youthful driver. Those with valid documentation from work, school or church allowing for travel for activities between these hours are exempt.
-No driving with more than one non-family member in the car
-All passengers must wear safety belts at all times
-Prohibits the use of mobile communication while driving

For more details about this change check out this article from the Ohio Insurance Institute. 

Cincinnati Insurance Company Ad

Cincinnati Insurance Company has a wonderful new ad.


Everything Insurance Should Be® from The Cincinnati Insurance Company on Vimeo.

The Right Step To Select Property Insurance

The Right Step To Select Property Insurance

Just like any other insurance, to fit and protect us in the future, select property insurance takes appropriate steps. In addition to adjusting to the needs, you are also obliged browse track record of insurance companies. How to?

Choose an insurance case and the right insurance company is never easy. With many insurance companies competing, often

Insurance Claim Denied, You May Not Know 6 About It

Insurance Claim Denied, You May Not Know 6 About It

Policyholders are often difficulties when making an insurance claim vehicles because of lack of attention to the points of agreement in the insurance. In fact, some insurance claim that you're proposing instead rejected. In fact, the actual rules on insurance claims is already loaded in the Standard Policy Motor of Indonesia Vehicle Insurance.

4 Reasons You Need Auto Insurance

4 Reasons You Need Auto Insurance 





For auto owners, the insurance could be mandatory. The question is, do you really need? Well, here are some reasons how auto insurance can protect journey, life, and also save your money. 



More efficient 



According to data from the Traffic Police Corps of the Republic of Indonesia, in 2013 the number of accidents recorded 21 304 units of passenger

Guaranteed risk in Personal Accident Insurance

Guaranteed risk in Personal Accident Insurance

You want to have a self-protection against unexpected accidents? Perhaps personal accident insurance is a perfect solution. Personal accident insurance is protection against self of an accident, the risks that come suddenly, unexpectedly, and without self-insured. This protection makes you anticipate unwanted expenses later. If you want to get a

15 Reasons You Need Life Insurance Before 40

15 Reasons You Need Life Insurance Before 40
By: Gary Lardy




Is life insurance really necessary in your 30s? After all, you’re young. You’re healthy. You’re going to be around for a long time, right? Diem Brown knew better. Ms. Brown, a former MTV Real World star battled cancer three separate times in her life over an 11-year period, starting at the age of 23. Sadly, she lost her fight this

Tips On Choosing Cheap Medical Insurance

Tips On Choosing Cheap Medical Insurance

Although many people are familiar with insurance said, still not many people who want to have it. Though insurance is a precaution to difficulties in the future, especially when it comes to health issues.

Benefit
Trying to live a healthy life can be a path to a better future. However, if destiny wills else, we also could not resist. If someday we

Life Insurance: How to Keep Your Special Needs Child Thriving with Life Insurance

Life Insurance: How to Keep Your Special Needs Child Thriving with Life Insurance

By: Gary Lardy







Parents wish for their children to have a better life than they did and try to shape their children into independent adults who will succeed once they leave the safety of the nest.

As the parent of a special-needs child, providing for your child is a life-long endeavor because you understand

Fulfilling your financial obligations with the help of payday loans

Payday loans are without argument among the most sought after cash advances, the payday advances are becoming more and more popular by the day. People seek payday advances as an avenue to settle many financial obligations especially those that need urgent attention, situations that will be best suited by cash advances include taking care of emergencies such as medical bills, automobile accidents, work related accidents, natural calamities (heavy downpour, storms, earthquake, hurricanes, volcanoes) as well as to cater for the usual day to day activities which comprise of grocery shopping, settling overdue debts and also bridging a financial gap among many other monetary commitments. Why do people take these loans out? Reasons that make payday loans highly favored include the following: Simple and straightforward application process The application process of payday credit has become much simplified and very convenient to any potential borrower, the customer logs into the online portal of the financial firm and completing an application form which is very basic and requires no in depth knowledge. After submitting the application, the credit providers review the application and make approvals within a very short time period; this may include an instant pre approval and also a full endorsement within an hour. The borrower is able to have the cash remitted into his or her bank account overnight. Convenient and Affordable Loans are applicable to any person including people who might have a poor credit rating. This aspect makes this form of credit being preferred over the mainstream modes of borrowing, the rates of interest charged on the credit advances are very competitive and also come with very flexible terms of payments that are tailor made to suit different kinds of situations. The user friendly terms and conditions required of a borrower also make the short term loan expedient to most borrowers. Private and Confidential The process of making an application as well as receiving the funds is carried out in a discreet and confidential manner, a borrower is not required to involve other third parties during the application process and also once approvedFeature Articles, the cash advance is remitted directly to the borrower's checking account. The added privacy and confidentiality goes a long way in ensuring that the financial predicament facing the borrower is not exposed to other people. The whole process is carried out online and in a paperless environment consequently making the application and approval time efficient as well as cost effective to any person seeking the Payday loans.

How to Select a Car Insurance

How to Select a Car Insurance

Determining car insurance is not easy. You need to look at this type of insurance, and comparing with other car insurance products.

However, do not be afraid. In the digital era, you can compare the different types of car insurance you need by way of online. Car insurance online at the program can display a variety of advantages and benefits of each provider of

Why Life Insurance is Golden for Multi-Generational Families Living Under the Same Roof

Why Life Insurance is Golden for Multi-Generational Families Living Under the Same Roof 
By: Gary Lardy




Your parents have been in your corner for as long as you can remember. They’ve always rooted for you, loved you and supported you in both times of good and bad. You made a vow to yourself long ago that you would care for them when they got older, just like they cared for you.



In theory,

Why Compare Life Insurance Quotes Online

Why Compare Life Insurance Quotes Online



At IntelliQuote, we are proud to be one of the largest online life insurance agencies in the country. Established in 1997, we have come of age alongside many of the country’s most respected online organizations. As more and more consumers have taken to the web to research and buy life insurance products, we have proudly been here to serve. We are often

How can I get more votes on Reddit?

Some tips how to get upvotes on reddit :

1. Have a good title.
Make sure that the title is accurate. Make sure that there are no typographical errors (or should be royally spoiled in the comments of your post). Phrases like “OMG this look”. They tend to take the trouble to redditors that existence downvote.

2. Have a good image in miniature.
As with the videos of YouTube, blogs and more - the miniature has much to do with making people click through your content. It is same with Reddit. People love pictures! If the image is a photo of an empty field, it is unlikely that contribute to get more upvotes or clicks, but that article is about Kim Kardashian is hit with an egg - and you Kim Kardashian ducking for cover - makes now the thumbnail we are in something here. It is a miniature which continues the message of the title, but doesn't give everything. Meaning of the people will have to click on your post to see the whole picture.

3 try to be relevant.
Before publication, spend a good amount of time on Reddit. Watch and see what people are talking about, what is to be upvoted. That is what a news now in the Reddit community. You will see that being away from Reddit a month and pick it up again - it may seem like a completely foreign territory. All will have this 'in' jokes, memes, and references to previous publications that you won't understand. You can also use it to their advantage - if people are obsessed with the blind turtle at the time and then write an article on the blind turtle and send it to Reddit.

4 would you like to increase the ranking of your redddit since. Aren't you receive more traffic from reddit messages? Because you are not of sufficiently upvotes for its subsequent reddit? This means that you get less exposure, because you don't have a good number of upvotes on your reddit messages. You must buy reddit upvotes to improve your visibility and increase your internal ranking on the Reddit Web sites and increase their confidence and their link karma on reddit.

Variety of different techniques to get more traffic

Everyone knows that to get more backlinks and traffic is a big key to success online. There are a variety of different techniques that you can use to get more traffic, and Reddit is a great additional resource. Reddit is a social bookmarking site that allows you to add the URL of your website to be voted the top or down by users of Reddit. Sending Reddit, you have a valuable link for your site which can make all the difference in your traffic and decrease of positioning online.

Fortunately, undergoing Reddit is simple. Sign up for a free account to start. Confirm your registration and to collect a list of URLs that you want to send. The following Reddit Secrets will help you be more successful on Reddit.

1 Focus on your title.

Its title is the most important part of your Reddit submission because it will attract attention and encourage people to vote to visit your site. Even if you already have titled your site, don't worry. You can use a new title for presenting Reddit. Long titles have proven to work better than short and fast tracks, and you should be conversational rather than direct. For example, instead of “ Tips for Reddit more Traffic” you should try “Wow - try these tips to get more traffic presentation” which may seem a bit weird and spam, but when it comes to Reddit and other social bookmarking sites, you need to think outside the box.

2. Use photos and videos when you can.

For better or for worse, these days people like to watch videos and view photos read long articles. Use videos nice and pictures on your presentations. Think of ways you can show your content through video or pictures. In fact, this is a great way to get the double mileage of an idea - create a time in written form for your Website and once for Reddit and other submission sites. If you have pictures or videos created yourself, you can use the image for free media to add to your pages and presentations to make them more interesting.

3. Spread the word about social networks.

Reddit works better when there is a great interest in the content to start. Once a story is becoming popular on Reddit, that grow in interest. You can re-enable this process by people in their social networks to vote its contents. When you make a submission to Reddit, make sure you tell your followers on Twitter and Facebook know. Ask them to vote according to their content as well, and after roll you the ball for Reddit users. In only a short period, your content will be popular on Reddit.

4. Buying Reddit Upvotes

Reddit has a highly active community and is one of the best sources of viral traffic for any business or message. buy reddit upvotes will get the ball rolling for your message to be seen by the critical mass of initial users, and will send your message to the front page to receive tens of thousands of organic hits and thousands of interested customers

Student Insurance Is The Solution For Children Future

Student Insurance Is The Solution For Children Future
By asura



Student Insurance Is The Solution For Children Future - Immediately prepare for your child's education savings early, but many of the parents save their money in the savings bank with a perfunctory, without regard to the purpose or the costs to be incurred in the future. But what if there is a risk in saving money, you or your

Tornado Truths That Can Help You Stay Safe

Tornadoes have caused severe and irreparable damage to tens of thousands of Americans and their property in recent years. On top of the physical and emotional fallout, many have also lost their lives as a direct result of a tornado.

Although you can never control the weather or the outcome of a destructive storm, there are steps you can take to help you and your family remain protected in the event of a tornado. Those steps of action begin with knowing fact from myth.

Here are a few tornado truths that could help keep you and those you love safe:

 

When indoors, shut all windows and doors. Do not leave them open in an attempt to follow the mythical need to “pressurize” your home because the result would more likely be debris flying through the window and causing severe harm, or wind pressure working to lift the roof off the house from the inside.

 

If you are inside your home or other structure, retreat to the lowest level (a basement is ideal) or the room closest to the middle of the home or farthest from windows and doors. Do not seek a “corner” of the structure for your retreat; instead, go to the center-most point, away from windows and anything heavy that could fall on your head.

If you’re outdoors, find the lowest spot, such as a ditch or dry river bed, and lie flat on your stomach, covering the back of your head with your hands.  Do not follow the myth of seeking shelter underneath a bridge or overpass because it could collapse on top of you or large debris and winds could come rushing underneath and potentially sweep you up into the tornado itself.

If you are in a vehicle, abandon the vehicle and try to find shelter in a structure or outdoors in a low place where you should lay stomach-down and cover the back of your head with your hands. Most importantly, do not attempt to drive away from the storm unless it’s very obviously far away and moving in the opposite direction. 

Do not take shelter near a road or foothill and expect the tornado to miss you. Some myths say that tornadoes will reverse their directions when nearing a road or foothill, but a tornado doesn’t discriminate and will keep on its path.

Keep head gear handy. Head protection can be the number-one most important factor in remaining protected from flying debris—indoors or outdoors—so know where bike, football, batting, boxing and other helmets are in the house, and make them easily accessible.

 

At Fey Insurance we want to help you know the tornado truths that will help keep you and your family safe. For more tornado safety tips, visit the Storm Prediction Center’s comprehensive guide at http://www.spc.noaa.gov/faq/tornado/safety.html.

Auto Insurance Quote: Auto Insurance Quote for DUI Insurance

Auto Insurance Quote: Auto Insurance Quote for DUI Insurance

Like medical and health insurance auto insurance generally offers an owner the security from the deficits caused by traffic collisions, thievery, along with other liabilities connected using these. The auto insurance or drunk driving insurance is bought for vehicle, truck, bike along with other road automobiles. In lots of nations

Home Insurance: 5 Steps To Choose A Home Insurance Safely and Easily

Home Insurance: 5 Steps To Choose A Home Insurance Safely and EasilyBy: Asura

If you buy a home with mortgage products (mortgage) is usually obliged to home insurance program during the installment not paid off. If you've paid off still it necessary home insurance? Of course need! The house is the only one of the most vital assets you have, of course, included compulsory home insurance

What Is Term Life Insurance?

What Is Term Life Insurance?

By : Gary Lardy



We want to set the record straight of Term Life Insurance.

We understand that the words ‘term life insurance’ can conjure up a lot of assumptions and puzzled looks. At IntelliQuote, we’re in the business of creating clarity, so for today’s post, we’ve decided to share a quick guide to highlight what term life insurance is and isn’t in order to

Get Life Insurance - Make your Own Luck This Year

Get Life Insurance - Make your Own Luck This Year
By :Gary Lardy

Today we’ll discuss how investing in life insurance can help create luck for you and your family and how it may be the best resolution you can make.

1) Protect yourself for the long haul: When you’re young, the idea of growing old is for someone else because you think you’ll stay young forever. And while you may remain a kid at

Home Insurance: Have Your Home Insured?

Home Insurance:  Have Your Home Insured?

Fire, natural disaster, or flooding is a risk that could befall our homes. If so, have you been thinking of buying insurance to protect your home specifically? Here are some reasons that you are obliged to do so.
Home Insurance:  Have Your Home Insured?
Life is full of risks. However, humans have also found a variety of ways to reduce the losses that

The Benefit of Life Insurance to Families

The Benefit of Life Insurance to Families



There are many kinds of consumers who would be a good fit for a life insurance policy. Some of the most suitable candidates, however, are those people who have a family. If you are looking to ensure that your loved ones are protected from financial hardship after you are gone, you should compare life insurance policies that are available from

After-School Safety Tips for Parents and Kids

Parents, weather is starting to warm up in southwest Ohio, so you’ve likely already reviewed the basic safety tips for kids who walk or bus to and from school.

Those tips, of course, are:

• Walk with a buddy
• Stay in well-lit areas
• Never accept a ride with strangers
• Once home, lock the door and don’t let anyone in

However, Dr. Michele Borba, author of The Big Book of Parenting Solutions, urges you not to overestimate your kids’ safety smarts. Kids under 10, for example, may not grasp the concept of crossing a street safely, she says.

She suggests teaching them: “Stop. Left. Right. Left.” Meaning that children should, “stop at the curb, look left, right, then left again before crossing, and keep looking as they cross.”

Another thing kids need to know, says Borba, is how to ask for help. Have kids practice saying, “I need help,” out loud and instruct them to “find a uniformed employee, a police officer or a woman, preferably with a child,” when they need assistance, she says.

Once home, kids will likely use the Internet, so be sure to discuss digital safety too.

Staying Safe Online

Intrnet safety advocate Sue Scheff, author of Wit's End and Google Bomb, says that, “we need to put parental controls/security measures on computers and cell phones. Unfortunately, these aren’t guarantees, so having a cyber-smart child is your best defense.” 

Teach kids about the dangers of sharing personal information, such as their home address and phone number, online. And about using social media responsibly.

While online, it’s best for kids – and adults – to converse and connect only with people they truly know and trust, to keep their social accounts private and to still be cautious even then. After all, photos and information that go online today will still be there years later, when kids apply for college scholarships and jobs.

Above all, stay involved in your kids’ digital lives. Let them know you’re there for them, always – to talk, not to judge or punish, says Scheff. “Many kids fear having their Internet removed if they tell their parents they are being bullied online,” she says.

So keep the lines of communication open to help keep everyone safe, both in and outside of your home.

-Safeco Insurance Article

Prevent Water From Going Where it Shouldn’t

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home in Oxford or Cincinnati, OH.

 
At Fey Insurance we know you want to protect what’s important. That’s why we’re offering these tips to help you prevent many of the most common causes of water damage.

Just a little time and some effort can prevent a lot of heartache and hassle.

Ø  Make sure your water pressure is not set too high. For just $6 or so, you can purchase a gauge that will help you test your pressure for the appropriate level, which should be set between 60 and 80 PSI.

Ø  Standard hoses on new appliances are not as durable as they used to be. So check your appliances. If they’re rubber, either replace them with longer lasting stainless steel braided hoses or replace them every three years.

Ø  Keep water from leaking into the walls or floor of your bathroom by replacing cracked tiles and re-grouting when it’s needed.

Ø  Examine the shingles on your roof. Worn, curled or missing shingles allow water in, so replace them as soon as noticed.

Ø  Consider buying a water alarm, which can help you find leaks, or automatic shut-off mechanisms, which can help avoid bursts.

Ø  A lot of water damage occurs when you and your family are away from home.  Make a practice to avoid running the washing machine or dishwasher while you’re out.

Ø  When you leave for vacations, turn off the water supply to appliances.

Ø  Keep up maintenance on all appliance hoses, because slow leaks from worn out hoses can cause major damage (and they are not covered under Homeowners insurance).

At Fey Insurance we hope these pointers will ensure your house stays nice and dry this year! 

 

-Safeco Insurance Article

What To Know Before Consolidating Student Loans

Student loans are a good way for teens begin the work of the utmost importance to show lenders are able to manage credit card debt. If the creditors that you can optionally make payments quickly and fully, your credit score go up and is very likely to find loans more important later in life. This is very important because you will need about a graduate university credit. His first own company could run a credit check, if your credit history is a great indication associated with if you be responsible or not. A fresh owner is sure to run credit before you rent a property for you. Wonderful in his thoughts, let me share 8 things you need to know about student loans, and credit.

In the case of application for a student loan, your credit may or may not be removed. Some lenders require a credit rating, but others do not. If the credit rating can be fired, a new search for credit is added to your credit report. This can make your score down, but the effect will be small. Approximately 30% of your credit score is determined by its outstanding financial debt: the ratio of the amount which must be confronted to the amount paid. The harder that you paid and must less, its report will be greater. If your payments are late until you have managed to get their degree, or deferred charges for another reason, the rate will not always in his favor, as well as their qualifications, Perhaps, it can decrease. However, should begin to increase after about six months of dues in time. In this spirit, they take into account students who are been placed in order to pay their own loans just before he graduated from enjoy a ride fast to obtain affordable loans. A regret that a large amount of loans not one of them up to what reimburse you students graduate, your credit score can be increased when you start lending immediately. Take into account that many employers can perform a solvency rating when you are applying for her first job after University, therefore, the development of a higher credit rating can benefit the number.a speculated that if borrowers to repay their student loans too may lose a quick credit score (most likely because in the best interest of loan is not counted if your loan is repaid first). I think that this is a false state. The current information on the credit rating system have not been launched, and why not, you can certainly validate this principle one way or another, but I have serious uncertainties its accuracy. Credit rating agencies are not interested as well as your creditor to create the awareness, but, with its ability to repay your loan early. Credit bureaus must know that you will have to pay your finances before the date limit. Pay student loans sooner rather than later is a vast field of action that their relationship capital dead may fall further increase their need to score.

Before leaving higher education, to explore the possibility of output for advice, something most universities offer to organize their individuals to pay national student loans. This orientation may provide a person raises room that is your protection before the law and the obligations and the fine print of their respective loans. Once you begin to repay your loan, will never miss any payment. Here is something that you cannot find out about student loans and credit rating: 35% of the total of own credit notes will be sucked from your history of transactions on loans and credit cards. If you can not reach a transaction, request a forbearance from regulation, any agreement short term that allows you to make payments more compact, as there is no obligation at all. Otherwise, you want injuries your credit score. Note that if you do not help make the payments, the conscience is still able to accumulate and thank you also the quantity will increase more great. You can contact financial services Los Angeles. If you are having your payments in any way hold off until the lender is approached or even until a new order of delinquency is rooted in its report. Instead, trigger communication using your lender. Talk of patience or education consolidation loan. Non-loans