Aceinsurance

Mothers house burned to the ground less than two years after she buried her husband. What started as a small warm spot under the cedar paneling developed to a wisp of smoke and within minutes a wall of flame.

There was no time for her to think about possessions, treasured photographs or valued antiques. She had time to call 911, put on boots, coat and vacate the house she had called home for almost thirty years. Mother walked down the driveway during the bitter cold night to a neighbors home across the street. I can only imagine what thoughts were going through her mind during that short walk. They stood inside and watched as flames shot higher than any roof line in the neighborhood reducing her memories to ash.

I didnt hear of the fire until the next morning when I made my usual morning call. She was still in shock. How do you even begin to pick up the pieces of your life when every thing you have loved and cherished has gone up in smoke or is burned beyond recognition? I am so proud of my Mother. She was brave and positive through that awful experience watching her home raging with fire.

You may think this is just another story to make you feel bad and that is not the case. I am telling you about this terrible house fire in hope you will realize the importance of insurance. What would happen to you and your family if there was an electrical problem and fire in your home tonight? Would you find safety from a fire with an escape plan? Do you have insurance to help you replace your house?

I cant say enough good things about the insurance company which handled Mothers claim. I cannot imagine a more frightening experience for a senior than to watch their home in flames. Thankfully, many of her possessions were replaced with the help of her insurance. Because there was no record of value (or photos) for the antiques it was impossible to establish a replacement value.

Mother is approaching the first anniversary of the house fire. Without house insurance she would not be living in a newly-constructed home and beginning to pick up the pieces. Thankfully the Fire Department found her cedar chest containing many pieces of china and amazingly most of the photograph albums were salvageable.

It can happen to you. Dont just buy a homeowners insurance policy but also document your possessions. Take video or Polaroid, or 35 mm. This is particularly important if there are antiques or collectibles in your home. Rather than risk losing them keep important papers in a vault at the bank. Extra keys, vehicle information, birth/death certificates, etc. should be in the vault.

Be prepared for a home fire before it happens.

When we talk about insurance the thing you have to remember is that always the price of your house must be higher then the value of the mortgage. This is not a hard thing to take care of if you like your house and care about the quality of your life. In case something goes wrong and a disaster struck you'll have to pay a lot of money for it and keep in mind your house is probably the best asset you own.

Don't get scared now and run to insure everything you own, you must take your time and take a smart decision considering what are the things that deserver this because is some cases the damages aren't so bad and it really doesnt worth it. When you buy a house you buy both the land and the structure so this is the two most important things you must consider in when you think of house insurance.

The land is an important part but it really doesnt need a lot of monetary protection. When you bought your property you surly used the professional help of a surveyor .In case of an eminent danger he will let you know so this can be taken care of right from the start. But not everything is so easy to handle. Some misfortunate accident can happen and a hot summer can produce a dry land and the big and beautiful trees that you liked so much at the beginning can contribute to this. So if you decide not to insure the land make sure you are talking good care of your surroundings.

The main problems are however the fires, theft and different perils and this are the real thing that your insurance policy should really take care of. Dont include the land value when you decide on you insurance. This is the best advice you can receive.

Another great tip that deserve taken into consideration is that if you are a loyal customer to an insurance company after several years you can receive some special consideration. You may receive premiums as high as 5-10% if you are truly a good customer.