Disaster strikes when we least expect it and having homeowners insurance gives us peace of mind from many forms of disasters, but not all. Katrina victims learned the hard way what is and what isn’t covered under basic homeowners insurance. You can add additional coverage through broader policies and Federal Flood insurance. Most mortgage lenders require that you purchase coverage before closing or escrow on a property. Here are some handy tips on homeowners insurance. State laws vary on coverage and limits, be sure to talk with an experienced insurance agent in your state about specific laws and customs.
-Basic coverage. Includes: vandalism, theft, damage from aircraft, smoke, and vehicles, explosions, fire, lightning, windstorms, hail, window and glass breakage.
-Broad coverage. Includes: damage from ice,snow, or sleet. Bursting or freezing of pipes from plumbing, heating or air-conditioning systems and appliances, electrical malfunctions to electrical systems and appliances, structural collapse, and falling objects.
-Liability coverage. Loss coverage for sustained within (condo) or on a property (single-family).
-Deductible. The insures self-absorbed loss expenses before insurance payments are made.
-Replacement costs insurance. Covers the cost of replacing a structure, but not the land. Look for eighty-percent guaranteed of full replacement costs.
-Actual cash value. Replacement costs minus depreciation.
– The Federal Flood Insurance Act of 1968. Homes in floodplain’s should have flood insurance. The Federal Emergency Management Agency oversees this program based on mapping from the Army Corps of Engineers. Most federally related loans require borrowers to obtain flood insurance if they are purchasing a home in a flood plain.
Mark Nash is the author of “Fundamentals of Marketing for the Real Estate Professional”, “Starting & Succeeding in Real Estate”, “Reaching Out: The Financial Power of Niche Marketing”, and “1001 Tips for Buying and Selling a Home”. Mark is a contributing writer for: Realtor (R) Magazine Online, Broker Agent News, Real Estate Executive Magazine, Principal Broker, and Realty Times. His tried and true real estate tips has been featured on Business Week, CBS The Early Show, CNN, HGTVpro.com, The New York Times, and USA Today. Purchase his books at http://www.1001RealEstateTips.com.
1970’s-1980’s CBS morning show?
I believe I have the correct show. I am trying to recall the name of a person who was either the weather guy or a news anchor. He had dark rimmed glasses, dark poofy hair and a real think mustache. Does anyone recall this guy? His name?
Who you described was movie critic Gene Shalit, a fixture on NBC’s Today (and semi-regular panelist on the 1968-75 syndicated version of the legendary game show “What’s My Line?”), not the eternally under-performing in the ratings CBS Morning News.
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