Blogger BlogNet58958

It's great to find an affordable homeowners' insurance policy. And it's great to faithfully pay your premiums. But how do you ensure you do NOT become one of those sad stories of folks who were "let down" by their insurers when they made a claim? This article will take you through this...

1. First, make sure you buy your policy from an insurer that has a great claims history. If you've heard a lot of bad tales about a particular insurer, then it's smart to NOT buy your policy from them. I know the tales might be false, but then you can't jeopardize your home in order to verify. Go for an insurer that already has raving policy holders.

2. Also along these lines, make sure you check with your state's department of insurance. Make sure they have high rating and are licensed to sell insurance in your state. Check with BBB to see how they treat their customers. You really can't be too careful. Remember, you want to ensure you're well covered.

3. Take out time to understand your policy details. Read through the exclusions section. I strongly recommend that you do NOT sign any document until you're very satisfied with the details. When in doubt, ask questions.

Do NOT make any assumptions as to what perils you have coverage for and to what extent. Know for sure.

4. Take an inventory of your belongings. Start with the valuables and then get down to the smallest things you want covered. It's a good idea to get video footage of each of them. Keep them all well. Have good descriptions for each of them. Keep your receipts and warranties safely.

You can go from one room to the other. Finish with one room before you go to the next. Once you've gone through this process, you can always update your list as changes occur in your household items.

If you do all these, you'll make your claims process a lot easier.

I've prepared a free but high value 21-day ecourse that will show you over 120 sure-fire ways to cut down your insurance rates. Sign up for it here...

Save Up To 50% On Insurance With Over 120 Tips

As always, you can cut down your rates now by getting quotes here...

Cheaper Insurance Quotes

Chimezirim Odimba writes on insurance.

For all insurance agents that follow up on leads, it goes without saying that timing is everything.

For example, if you follow up on a lead a week after you are tipped off about it, than chances are the customer is already working with another insurance company.

When people need insurance, regardless of the kind of insurance, they usually need it right away. The same holds true when working with insurance lead companies.

If you are an insurance professional considering working with an insurance lead company, it is imperative that you make absolutely certain that they are offering real time leads.

When I say real time insurance leads I mean leads that are hot off the press and delivered to you immediately. Leads where the customer is actually waiting on your phone call.

The best way to determine if an insurance lead company is selling their leads in real time is to speak with someone in their sales or customer service department. The main question you will want to ask is "where are the leads coming from?"

Here is what you will want to hear. You will want to hear that the leads they provide are coming from lead generation web sites that they own and operate.

This is the best way to determine that the quality of the lead is good and that you will be receiving it fresh and in real time.

Any other way of obtaining insurance leads should raise a red flag. The last thing you need is a lead that has been recycled dozens of times and is dated. This will obviously do you know good. So take the time to research the companies that you are considering.

Remember. You work hard for your money. So invest it wisely and the return on your investment will be that much better.

Jay Conners is the Account Manager for http://usprospect.com/ an Insurance Lead Company specializing in real time insurance leads of every variety. He is also the owner of http://www.jconners.com a sales and marketing resource site.

If you would like to own a hydrogen car kit, then you have to first review the different products that are being offered. There are many people looking for ways to save on gas, improve gas mileage and how to convert their cars to utilize hydrogen and oxygen gases extracted from water. Hybrid cars are also relatively good for saving on gas, but they are a little bit too expensive for someone who is on a budget.
There is a website that provides details, video presentations, free installation guide and proof of converting a car to run on hydrogen. The instructions are shown in the video that someone provided who also converted his car to run on hydrogen.

To own a hydrogen car kit, you should know the facts first so that you don't spend your hard earned money on "run car on water scams" and gimmicks.

The water for fuel economy gives clues to the undesirable truth that gas prices are not going down anytime soon. So everyone is looking for ways to cut down on their fuel cost. By doing a water fuel conversion, you will not only save on gas, but will have an environmentally safe vehicle to run. Your car will have a longer life expectancy and you will experience improved gas mileage.

If you are environmentally friendly and want to contribute to the community at large, then a hydrogen car kit would be an advantage because it will allow your vehicle to have less carbon emissions. There are a lot of eco-friendly individuals who are taking a closer look at how to convert cars to run on hydrogen and some of them are making the conversion as a statement to their commitment to the environment.

The process used to separate hydrogen and oxygen from water is called electrolysis. This creates the appropriate energy required to give the vehicle the power that it needs to operate. The gases that are in the water help the car to run on hydrogen fuel. Once you own a hydrogen car kit, you will be able to start saving on gas, increase the miles per gallon on your car and begin enjoying life without having to worry about wasted time and money at the gas pump.

Want to know more about saving on these high gas prices and you want to see the reviews on how to run your car on water, visit this website at owning HYDROGEN CAR KIT REVIEW. Also take a look at HYPERMILING - another gas saving method.

There is no better way to spend your summer break than to travel to the United Kingdom. This wonderful location is rich with culture, things to do, famous landmarks and great nightlife! Although known for its rain, the skies are often clear on summer days and beautiful and crisp on summer evenings! This is one region that definitely has something for everyone and that one should not go a lifetime without seeing!

When visiting London on your UK summer break, one has to check out Little Venice. This area will take you out of London and transport you to the romance of the real Venice, Italy! Take a boat ride along the beautiful Regent Canal with someone you love or take a romantic tour that can be taken through a professional guide or take it as a leisurely self-guided tour. You will not only be able to look out over all of London but you will also have the once-in-a-lifetime experience of sipping espresso and munching on biscotti in some of the finest cafes in the world!

During your summer holidays, you can also spend the day touring some of London's most famous sites. Take a trip to Buckingham Palace and see how life can be lived only by royalty. While you're checking out the favorite places of the Royal Family, be sure to stop by Kensington Palace as well. This was the home of Princess Diana for sixteen years and was also where Queen Victoria was born!

If you want more of a spooky summer break, you can also check out London Tower where criminals were sent and often executed. Read about the hauntings that take place here and get chilled right to your bone! If that isn't enough, you can also visit another site that is going to terrify you. A completely different kind of museum, the London Dungeon will have you locked up while the most violent and cruel criminals of the past all reach out to you. This is a great trip for those just out of high school or college and looking for a frightfully wonderful time during their UK summer break.

If you're looking for more of a traditional summer break, be sure to check out Westminster Abbey. Home of the Shrine, which contains the tomb of Saint Edward, the Confessor, this wonderful perish can be explored either on your own or with a guide that knows every nook and cranny of the Abbey. Also be sure to check out the Tower Bridge. Although used as a means of transportation, it is more of a tourist attraction than anything. Walk over the bridge and view one of the most beautiful cities in the world!

If you really want to use your summer break for partying, the UK has some of the greatest nightlife in the world! Visit places such as 333, Fabric, The End, and Turnmills if you are in the mood to do some serious dancing or simply take it easy and enjoy a pint in any one of the many fine pubs in London. Some of the best are Sir Richard Steele, The Effra, and The Hollybush. This is a wonderful way to cap off every night on your UK Summer Break.

Pontin's is known for its special offers on summer holidays and has been around in the business since 1946. It is currently offering exclusive UK summer break packages.

I was seduced at an early age by travel. My parents didn't understand what they were doing to me when they packed up the car every summer for our annual cross-country excursion. The hours - the days - of staring at passing landscapes mesmerized me. The travel bug not only bit me, but infected me, worming its way into my dreams, until later the dreams metamorphosed into an obsession. The obsession haunted me the rest of my life. A career and a steady paycheck couldn't hold me down. I had to keep moving.

"Mom, Dad, I have to tell you something . . ." I started off in a hesitant voice. My parents eyed me from across the kitchen table, my dad slowly putting down his newspaper. "Our son is going to tell us that he's gay," they must have thought to themselves. "Or that he's committed some sort of heinous crime."

It was worse. "I'm going to quit my job and go overseas . . ."

It was their own fault. They had dragged my siblings and me across the country every year. Along with the long cross-country car trips came the slide shows my dad presented to neighbors and friends of our most recent vacations. The photos of Hawaii and Florida - exotic places to a nine year old - showed palm trees and banana trees, vegetation that couldn't survive the cold climate in our central California hometown. The exotic images seduced me.

Salinas was a town of gray cold weather, of fog and drizzle. It was a conservative community where children were raised to be obedient and subservient to the powers that be. People obeyed the rules. But summer meant traveling, and that meant escape. On the first day of our annual summer road trip, my father would guide the station wagon south down Highway 101, with me looking out the back window, bidding a silent farewell to the school bullies and the petty, vindictive school teachers, and the miserable gray weather. We were headed to exotic climes! We were bound for the mountains and the desert and the amber waves of grain!

In this day and age a cross-country trip may seem like a mundane event, now that our world is globally connected by the Internet, and businessmen travel on a daily basis from coast to coast. Back in the late 60s', however, to simply go to Disneyland, hours away by car, was a major excursion. The notion that it was possible to travel beyond this country, to cross an ocean to another continent, was a minor feat, and to a child not yet ten incomprehensible.

The Handleys who lived across the street, however, had been all the way across the Atlantic to Europe, and when they returned, they invited everyone in the neighborhood to hear the stories of their epic journey on a Boeing 707. With a sense of wonder Mrs. Handley described the soot-stained churches and the museums. Everything there was so old! But there were drawbacks to the old world, and Mrs. Handley shook her head. "Amsterdam is full of hippies! They take narcotics and go around naked!"

The stories stayed with me, of far away places, of the people who went. I saw the hippies along Highway 101, young people with long hair and guitars thumbing their way north to San Francisco. They were breaking the rules. I heard stories of how they traveled not only to Amsterdam but kept going further East. They ended up in places like India where they smoked dope and slept on beaches. My mind couldn't wrap itself around such exoticism. I pictured palm trees and naked girls with flowers in their hair.

The travel bug kept burrowing deeper into my psyche. Years later as a teenager, on my first trip beyond the comfortable confines of the U.S., the travel bug began to mess with my head.

At sixteen I traveled with a church group in a converted school bus to far away Mexico. The bus rattled east to Texas and then made a right into Mexico, into the dusty Chihuahuan desert A church in a small village outside the city of Chihuahua needed re-roofing. We were coming to help.

After our good deeds in Chihuahua were completed, the bus rattled farther south where the road took us into mountains covered in tropical foliage. Other than a rusty pick-up rumbling by, there was no one out here. In my sixteen-year-old mind we were beyond civilization now - no shopping malls or movie theaters. The foothills turned to mountains. As the school bus shifted into low gear to roar up to a mountain summit, I stared across a broad valley to a desolate village of thatched huts perched on a distant mountain slope. I envisioned poor Mexicans living there - short-statured, unassuming people - like the Mexicans who lived in the poor part of my hometown of Salinas.

The bus reached the summit, and the engine heaved a sigh as the driver shifted into a lower gear. Beyond the mountain in the hazy distance I could make out yet another chain of mountains.

But what was beyond that distant horizon of mountains? It could only be yet more mountains and more desolation. And there must be yet even more huts with poor Mexicans living out there. How did these people live beyond any civilization of TVs and record stores and malls? My sixteen-year-old mind couldn't fathom it. Who were these people, and what did they do with their lives?

The thought of such overwhelming desolation was too much, and I found myself shaking my head like a wet dog violently shakes its dripping fur. I needed to rid my mind of the vexing concepts.

Years later I came to realize that travel meant simply more than visiting a foreign land. Travel - not tourism - forced you out of the tour bus, and messed with your mind. A tourist followed the rules by following the tour guide, but a traveler broke the rules. By straying from the crowd you met the locals in the bazaar, or tried an exotic local dish, and it was those experiences that stuck with you. Travel made you shake your head sorrowfully, guiltily, at witnessing the hopeless poverty of a slum, or made you gasp at the first sight of the Taj Mahal or Eiffel Tower. Travel led you to sleep on the beaches with the girls with flowers in their hair.

I wanted to share those feelings. The photos that I took of my travels couldn't do justice to what I had seen, so I tried to capture the impressions and emotions with words. I began writing down my trips. My early stories were purple-prosed and awkward. A few readers - God bless them or damn them - were brutally honest with their criticisms.

I tried to describe how the travel bug had wormed its way into my soul, a parasite that sapped me of any sense of stability or grounding. Reading back the clumsy words, I recalled those trips and the impressions they made - the beauty of a place as mundane as a sleepy Kansas town or as breathtaking as the picturesque Swiss Alps. I continued writing, attempting to paint the images with words. The travel bug had infected me, and had messed with my mind. I would never be the same.