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If you''ve been a homeowner for a while you''re probably already familiar with the ins and outs of buying homeowners insurance; however Wholesale Cam Newton Jersey , if you''re new to the insurance game the legalese (and insurance-ese!) that go hand in hand with any homeowners insurance policy can send you screaming for the hills! Don''t throw in the towel just yet. Here''s a look at the most frequently asked questions about buying homeowners insurance to get you started on the path to finding the protection you need at a price you can afford without having to put yourself in your insurance agent''s debatably trustworthy hands.

#1: Why Do I Need Homeowners Insurance?

The number one question asked by anyone buying homeowners insurance for the first time is why they need homeowners insurance at all. A quick glance at the devastation left by Hurricane Katrina will give you a fairly good answer for that. If your home is wiped out by a storm or a fire, do you have the money you need sitting around to rebuild? If a thief walks in and takes everything you own, can you afford to replace it? Or are these events going to leave you rediscovering the joys of getting back to nature-tent style?

Your homeowners insurance not only protects you from these events but also saves you from clumsy neighbors and careless bikers who are injured on your property that decide to press charges for negligence-even if it was their idea to go skateboarding on a sidewalk coated in ice in the first place.

#2: Where Do I Go to Get a Good Deal on My Homeowners Insurance?

When you''re looking for a homeowners insurance policy you''re looking for two things: Good coverage and good prices. You don''t want coverage that''s so cheap you can''t afford to rebuild your basement Wholesale Christian McCaffrey Jersey , much less the rest of the house, if there''s an emergency, but you don''t want to spend the rest of your life living on Ramen and Ritz (crackers) to do it.

You have two choices-you can call around and speak to 50 different insurance agents in person Wholesale Marquis Haynes Jersey , or you can go shopping for homeowners insurance online. Going online lets you skip the usual sales pitches and upgrades and get to the "nitty gritty" of what each company has to offer. Remember, you''re not just looking for cheap. You''re looking for cheap and effective, and the best way to find that without acquiring a major headache is to use the free insurance quote tools offered online.

#3: How Much Insurance Do I Need?

The most significant issue you''re going to face when you''re buying homeowners insurance is how much homeowners insurance Wholesale Rashaan Gaulden Jersey , exactly, you need to buy. There are two guidelines you need to remember when you''re setting your coverage limits. First and foremost, there''s a difference between actual cash value and cash replacement value. The actual cash value of your home is the amount you could reasonably expect to get from a buyer if you put it on the market the day you buy your insurance policy; cash replacement value takes into account the amount of money it would take to rebuild your house using comparable materials and technology. You''re probably going to be better off with the cash replacement value Wholesale Ian Thomas Jersey , since that doesn''t take depreciation into account.

Secondly, don''t insure your land. It''s easy to look at the big number on your mortgage statement and use that to determine how much your home is worth, but remember that that number takes your land into account too (not to mention the amount of interest the bank''s tacking on). Since your land probably isn''t going to be wiped out in any way that would need to be insured by a covered event Wholesale Donte Jackson Jersey , you really don''t need to add its value onto your coverage. Calculate the difference and watch how fast your homeowners insurance premiums go plummeting.

Buying homeowners insurance can be confusing, but it doesn''t have to be. Let your insurance agent answer your questions and it won''t be long before you''ve got the insurance coverage you need at a price you can afford.

Long term care costs in Florida are rising faster than inflation according to economists. To protect the state’s residents, the government and private insurance companies collaborated to come up with the Florida Long Term Care Partnership Program.


The said Program aims to get Floridians to plan their long term care (LTC) needs with a long term care insurance (LTCI) policy that complies with the rules and standards of the Partnership Program Wholesale DJ Moore Jersey , as this will enable them to apply for Medicaid later on should they require ongoing care that is beyond their policy’s coverage.


Unlike standard LTCI policies, those with Partnership-qualified policies can save more on the premiums of their coverage because they can settle for a lower benefit amount and shorter benefit period knowing that they are eligible to apply for Medicaid assistance to receive continuous care without spending down their assets.


You read that correctly. Owners of Partnership-qualified LTCI policies are exempted from Medicaid’s spend down rule since their policies carry a special feature called Medicaid asset protection. This means the insured person can keep a portion of his assets that is equivalent to the total amount of benefits that he has received from his policy when he applies for Medicaid.


For example, an individual with a Partnership LTCI policy received a total of $275 Wholesale Jordan Scarlett Jersey ,000 in benefits so when she applies for Medicaid assistance to obtain ongoing care and therapy she will be able to keep $275,000 worth of her personal resources plus $2,000 Wholesale Christian Miller Jersey , which is the maximum asset limit allowed by Florida’s Medicaid program.


Florida Long Term Care Partnership Policies


Long term care costs in Florida are apparently rising steadily. In fact, the costs of the state’s home health aide and homemaker services rose 3% over a five-year period while on the national level the costs of the same LTC services h. Cheap Jerseys China Cheap Jerseys Cheap Jerseys Cheap Jerseys China Cheap Authentic Jerseys Cheap Jerseys Online Cheap Jerseys China Free Shipping Wholesale Jerseys Wholesale Jerseys Wholesale MLB Jerseys