#home insurance companies.

[financementore]

Home Insurance Made Easy: Tips to Protecting Your Home

What is home insurance and why do I need it?

Home insurance provides financial protection against damage or loss to your home and personal belongings due to events like fire, theft, or natural disasters. It also offers liability coverage if someone is injured on your property. While not legally required, most mortgage lenders mandate it to protect their investment.

How do I choose the right home insurance policy?

Selecting the appropriate policy involves assessing your home's value, the cost to rebuild, and the value of your personal belongings. Consider additional coverage for high-value items and natural disasters common in your area. Comparing quotes from multiple insurers can help you find a policy that balances coverage and cost effectively.

What factors affect my home insurance premium?

Several factors influence your premium, including the age and condition of your home, its location, the materials used in construction, your credit score, and the amount of coverage you select. Implementing safety measures like installing smoke detectors, security systems, and fire-resistant materials can potentially lower your premium.

Does home insurance cover natural disasters?

Standard home insurance policies typically cover damage from events like fire, windstorms, and hail. However, coverage for natural disasters such as floods, earthquakes, or hurricanes may require additional endorsements or separate policies. It's essential to review your policy and consider adding coverage for specific risks prevalent in your area.

How can I lower my home insurance costs?

To reduce your premium, consider increasing your deductible, bundling home and auto insurance policies, maintaining a claims-free history, and implementing home security measures. Regularly reviewing and updating your policy to reflect changes in your home's value and condition can also help ensure adequate coverage at a competitive rate.

[hijinxinprogress]

Coffee addict Never sleeps Tim drake ❌ 

Solving cases in his sleep off 87 energy drinks Tim Drake ✅

The coffee addict never sleeps perpetually tired Tim Drake thing is a widely accepted headcanon however that was elementary school tim but after he stayed up for a week straight subsisting entirely on coffee to decipher the bat weekly patrol schedule and how it aligns with rogue attacks/Arkham breakouts, he crashed then when he woke up it was fucking wednesday so he missed his chance to commemorate his discovery with pictures of Robin and he decided that shit would never happen again and made himself an ‘efficient’ sleep schedule so he could run around doing fuck shit, add to his robin shrine, and stay on honor roll bc he was even more pissed to see the gotham gazette had pictures of Robin with an on site interview credited to Vicki Vale (listen bowl cut tim had a one sided beef with vicki vale that included tim judging who gets better pics of the bats but she isn’t even aware that she’s competing with a whole ass child 😭 he’s sitting at the table with a mug of orange juice and looks at the newspaper snorts and goes ‘fucking amateur I could do better’) 

Regularly unsupervised tiny businessman in training Tim ‘Ten hours of uninterrupted sleep?? That’s so inefficient not to mention fucking stupid’ Drake is so pissed he missed getting shots of Robin dropkicking a rogue from 6 six stories up (for absolutely no reason dick just thinks it’s fun) that he just takes at least 3 hour naps every eight hours 😭 he refuses to spend almost half a day sleeping ‘for no reason when he could be doing something productive’ 

And he still does this as a bat but it’s just easier to tell if he didn’t take his nap bc he has less than zero impulse control and he’s just fucking done with everything like the gcpd is terrified bc tim’s saying shit like ‘This guys a fucking moron, I could’ve done this in half the time without killing anyone fucking loser doesn’t he know if you keep them alive you can prolong the torture?’ and ‘you’re like all hysterical and for what 🤨 ‘you blew up 83% of Bristol waah’ stfu and fucking rebuild it?? It’s only rich mfs that live there, it’s just a matter of them opening their fucking wallets’ once a new recruit made the mistake of asking if robin had adult supervision regularly and Tim responded with ‘well if you’re gonna snitch to cps like a little bitch then yeah’ and that cop did snitch so tim fucking doxxed him

Yj has just accepted that sometimes they will find tim in an air vent, on the roof, in one of their closets, or something just fucking knocked out then an alarm will go off and he’ll just get up like nothing happened but for the first couple of months they were probably concerned bc ‘I’ve never seen you sleep?? wtf are you on man’ and Tim’s confused bc ‘I slept next to you this morning wdym??’ and that’s how yj discovers tim sleeps with his eyes open

But one of the worst things about Tim’s ‘time efficient sleep schedule’ nonsense is that it fucking works he’s one of the most well rested and coherent bats even after back to back Arkham breakouts however the absolute worst thing about his sleep schedule is the likelihood of going into the cave and seeing tim staring in a daze but wide eyed yet somehow never blinking at the batcomputer with 57 tabs open on top of being unresponsive and thinking he has a fucking concussion or he’s been replaced but he’s just doing case work while muttering nonsense in his fucking sleep for some reason

[heavenbarnes]

what do you mean california’s largest ensurer cancelled hundreds of pacific palisades residents fire insurance last year? what do you mean the money they’d put in and all their fire cover is gone? what the actual fuck do you mean?

[odinsblog]

Cindy Picos was dropped by her home insurer last month. The reason: aerial photos of her roof, which her insurer refused to let her see.

“I thought they had the wrong house,” said Picos, who lives in northern California. “Our roof is in fine shape.” 

Her insurer said its images showed her roof had “lived its life expectancy.” Picos paid for an independent inspection that found the roof had another 10 years of life. Her insurer declined to reconsider its decision.

Across the U.S., insurance companies are using aerial images of homes as a tool to ditch properties seen as higher risk. 

Nearly every building in the country is being photographed, often without the owner’s knowledge. Companies are deploying drones, manned airplanes and high-altitude balloons to take images of properties. No place is shielded: The industry-funded Geospatial Insurance Consortium has an airplane imagery program it says covers 99% of the U.S. population. 

The array of photos is being sorted by computer models to spy out underwriting no-nos, such as damaged roof shingles, yard debris, overhanging tree branches and undeclared swimming pools or trampolines. The red-flagged images are providing insurers with ammunition for nonrenewal notices nationwide.

“We’ve seen a dramatic increase across the country in reports from consumers who’ve been dropped by their insurers on the basis of an aerial image,” said Amy Bach, executive director of consumer group United Policyholders. 

The increasingly sophisticated use of flyby photos comes as home insurers nationwide scramble to “derisk” their property portfolios, dropping less-than-perfect homes in an effort to recover from big underwriting losses.

(continue reading)

[sarcastic-clapping]

iwtv au where louis' brother says the gay island scenario to louis before he walks off the roof

ahdjaka sorry i never responded to this but i need you to know (because it’s very funny to me) that i was planning on using canva for evil, aka a poorly edited meme of the post, but was interrupted by a century old tree in my yard getting struck by lightning and splitting in half, destroying both my yard and a neighbor’s. so i guess god said no on this one

[moleshow]

uh oh! the bad takes machine is on and set to "mad at how insurance works"

[sashiavi]

Guys I think I need aircon I am very unproductive in this current weather-

Fahrenheit looks a lot more impressive lmao

[e77y]

Girl who rear-ended me left me on read for a week after I sent her an estimate and is now claiming she’s not the one who did the damage. Lmao

[honey-and-hibiscus-kingdom]

Starting the year off strong I see

[stone-cold-groove]

Too much. Not enough.

[homoqueerjewhobbit]

I work in (gestures vaguely) American healthcare and one of our new clients lets us see patient balances. Today doing data entry, I entered a baby who has been in the hospital since its birth over the summer and racked up a $7.8 million balance so far. Imagine bringing that into the world with you. It's like a fairytale curse.

[daforged]

i think one thing i’d like to see acknowledged about that piece of shit united healthcare ceo’s death is that ultimately, a ceo is the pawn of shareholders and a public easily hateable representation of the company, and that a ceo really doesn’t have much power to stray from what shareholders want of them because they’ll simply be replaced if they decide to grow a soul and profits tank because of it (this semi relates to what businesses call the principal-agent problem, where a ceo may take a business in a direction that goes against the interests of shareholders because it benefits the ceo more directly). for all a ceo’s power and influence, they are all just very well compensated tools of shareholders that can be swapped out if they don’t do what they’re supposed to

like, i think what happened is cool and great and i’m glad this guy’s rotting in hell forever, but the people who are actually in control and most genuinely deserve that sort of treatment are the shareholders. those faces don’t go up on the website. those people don’t get held accountable in the court of public opinion or shot, they get to go on exploiting and killing and hiding behind the ceo’s much more public face of their violence

[maudiemoods]

Haha the only times I'm conscious is when I'm at work or school and even then I'm disassociating haha it's killing me

[chilope]

i understand that its just because im being histrionic because im off my meds but insurance companies and all of the apps, services, and tertiary accompaniments to them should be firebombed out of existence immediately and irrevocably

if youre going to insist on ruining peoples lives and killing everyone and being an insurmountable corrupting force that makes the world a measurably worse place to live in you should at least make sure that your fucking app functions

[gay-fordeath]

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