How to secure your home.

How to secure your home

Insurance is a contract whereby a person pays a specialized company a certain amount of money in exchange for compensation in the event of a risk situation. Insurance companies offer various kinds of policies that can be gathered in two large groups: personal and patrimonial. The first ones cover the physical integrity of the insured such as life, disability or retirement. The second group covers irrigation related to the assets of the insured such as robbery, flooding and fire. Many families are unaware of the benefits and aid that can be obtained by securing a home.
This company offers the safe home policy, which includes coverage in three parameters: family, home and vehicle. The home policy refers to housing and contains coverage in cases of fire, earthquake, collapse, rain, flooding, falling trees, among others.

The values handled by certain insurance policies are as follows: Earthquake, quake, collapse and volcanic eruption: 2% of the insured value, with a minimum of USD 500; Rainfall and flooding, 1% of the insured value, minimum USD 350; Glass breakage, 10% of the loss value, minimum USD 80; Other events, 10% of the loss value, minimum USD 175. All the values handled are yearly. This company also has insurance against robbery and/or assault. The cost is 10% of the claim's value, with a minimum of USD 200. It also has electronic equipment insurance and its cost is 10% of the loss value, minimum USD 200 per year, an insurance policy covers all unforeseen or sudden facts affecting a home.

The type of policy in case of natural disasters or fires is similar to insurance there is a contract in case of theft of the real estate, except the subtraction of cash, jewels and works of art. The value of the annual fire rate in the furniture market is variable. However, the index is, on average, 2.20 by 1 000. That is, if a house costs USD 100 000 The value you pay for fire is USD 220 annually. The robbery is 1.20 for 1 000. If a home is secured in USD 10 000, you must pay USD 120 annually.
How to get a home policy The interested party must go to the insurance company and request the information. The years of construction, the terrain area and the site where it is located are three of the parameters that are taken into account. The policies do not cover structural damage. This kind of injury is a civil liability of the builder. The landlord has the right to claim the professional, who, in turn, should reverse the housing damage. And how can we protect the communal equipment, which is so necessary and so susceptible to damage of varying magnitude? For that is the supplementary policy called ' Machinery break '. For a percentage that goes from 1 to 3 for 1 000 (depending on the state of the property), the condominiums have insured the cisterns, the elevators, the Transformers, the gardens and even the swings where the children play. Variety of Insurance The Horizontal property law requires shared insurance. The fire policy is the most required, although there are additional machinery breakage...   ' Civil liability ' insurance protects against eventual actions such as the theft of pictures or accidents such as the fall of a brick when it passes through a construction...

This content was originally published by Diario EL COMERCIO at the following address: http://www.elcomercio.com/tendencias/construir/asegurar-bienes-e-inmuebles.html

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Life insurance Health Insurance Tips.

Life insurance  Health Insurance Tips.

Regardless of the reason that has led you to hire a health insurance policy, it is important that values among the entire supply of products you have in the market, which best suits your needs.
In most countries there are several companies that offer health insurance, so we can compare and get the most suitable for us.
To save money, we can ask our usual insurance company first if you have this product. If you have it, you will probably get better price than if you hire it with another insurer because you are already a customer.

Do not leave either to ask your company if they have any agreement with an insurer for a collective service, or to your bank or savings box, in case your offer has any kind of promotion.

Health Insurance Modalities

Insurance without co-payment: You pay the premium as you agree with the company and nothing else. Every time you need it you go to a specialist in the medical (and only medical box) of the insurer in the typology and province of residence. Some companies charge you a dollar per visit so you are aware that everything has a cost and you do not go to the doctor without real need.
Insurance with co-payments: health insurance coverage is more limited, so outside of the most basic general medical or nursing services collected in the medical chart, pay for the benefit received. It is more economical and may be more interesting for people who have the insurance more by prevention than by necessity or who have a scarce medical picture in their province.
Insurance with reimbursement: it is the most expensive. With this insurance the medical chart is no longer necessary because the insured can go to any doctor or clinic who wants to be or not in the medical box of the company. The user pays for everything, but the insurer reimburses it within established limits. It is very interesting for international coverage or rare diseases.

Other important features

To be able to hire health insurance you have to prove that you do not have a disease that requires medical services immediately. Having healthy living habits helps pay less, but the important thing is not to lie, in case you get caught.

In any case, all health insurance has a period of cadence with which the backs are covered in case the insured requires the insurance services in the first weeks or months. As the customer gains in seniority, the company is opening services in the form of authorizations.

In this way, insurance companies are prevented from being discharged in health insurance only when they are detected a disease and are discounted when they are overcome. It is also more profitable to take out the insurance being younger because the progressive increase of the quotas will be lower than if we hire the insurance already with a certain age.

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