Home Insurance and Hurricane Preparations

December 8th, 2011 by No comments »

The violent winds, rains and storm damage from hurricanes can devastate communities and cause billions of dollars worth of destruction. The losses from hurricanes this year alone have surpassed that from almost any other natural disaster in years. The risk to your home and possessions can be enormous and you really should be considering insurance cover for hurricane damage if you live in any area that is exposed to the risk of hurricane. As well as insurance cover however, there are other steps you can be taking to prepare for, and minimise the damage to your property and risk to your family that hurricanes pose.

Since the Atlantic hurricane season begins in June and continues through till the end of November, there is a significant proportion of the year during which you should be prepared in some way for hurricane threats. Some of the preparations below will be required by insurance policies, others will not but are still helpful to you and your family. Some of them may even be able to bring down your insurance policy price as the insurance company recognises that you are safer than you otherwise would be and are therefore less likely to be making a claim.

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Identity Theft and Fraud Protection

December 4th, 2011 by No comments »

Do you know how to protect yourself from identity theft or fraud? This is becoming a more frequent problem with many people today but you can greatly reduce the chances of it happening to you when you take the proper steps.

Identity fraud is defined as a single attempt to steal money from an account. For example, this could be someone trying to place charges that you did not authorize onto your bank card or credit card. Identity theft is when someone steals your identity- your personal information such as your driver’s license or social security number. They then use this personal information to open accounts in your name and make purchases in your name without your knowledge or consent.

These types of crimes are becoming more common in our technological society today but you can help prevent yourself from becoming a victim. Here are some things to keep in mind:

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