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I thought that I needed to insure my bicycle against theft. I’ve heard that bikes get stolen every day in my city and I want bicycle insurance to cover my investment. I am very careful about locking my bike up every time I get off of it. I use a really nice U-Lock and wear the key on a chain around my neck. I found out that one of my friends was dating an insurance salesman and contacted him with my questions.

I asked him about bicycle insurance and he said that my homeowners or renters insurance policy would cover my bicycle if it was stolen. He said that there were a lot of limitations and exclusions, though. He said that my bike would probably have to be stolen from my home to be fully insured.

I was thinking that if I had bicycle insurance and my bike was stolen, insurance money would buy me a new one. That turned out to be untrue. The agent I talked to told me that if my bike was covered, I would be reimbursed for the value of a new model, less depreciation for every year old my bicycle was. I’m thinking that, depending on the rate of depreciation, I may end up owing money if my old bike was stolen!

The agent I talked to told me that I had to maintain good records for bicycle insurance. He told me to take a photo inventory of my possessions and to keep receipts. He also said that any time I am making a claim against an insurance policy for theft; I need to have a police report attached to the form. It is also very important to be accurate when declaring the value of the property stolen.

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Identity theft may seem so far fetched but trust me it is not. With today’s technology and the growing sophistication of the world wide web, hackers and con artists are now living in a world that used to only exist in the pages of a science fiction book or a scene in a suspense-thriller movie.

This can be a major problem for anyone because not only will you have to worry about your personal properties like credit cards and bank accounts, you also have to think about the fact that someone else is using your name and your reputation to do god-knows what.

According to the FTC, there are more than 160,000 reported cases of identity fraud in the country in 2002.

Tags: insurance for identity theft, hackers, con artists, suspense-thriller movie, repairing credit reports, homeowners insurance, certified mailing costs, Prepaid Legal Services, Kroll Inc., ID theft victims, monitoring your credit, restoring your identity

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The Right Insurance
By:  Holly Brantley

Cape Girardeau, MO - With so many different types of insurance, how do you know you have what’s right for you? Here are some tips to save you time and money…and help you rest easier knowing your family is protected.

Financial Planner, Derieck Hodges, says having core types of insurance helps families make solid financial plans. “Once that’s done, you can breath easier.”

Hodges says the core types of insurance are: Auto, Home/Renter, Health, and Life. But, these aren’t the only coverage plans to consider. “Disability Insurance is often over looked,” said Hodges. But, if you need money to come in when you are sick, or hurt, disability insurance should cover that.

Hodges says it’s a good idea to have enough insurance to cover the big set backs that you can’t handle yourself. Meanwhile, keep enough cash reserves to take care of what you can handle. “Some people buy Towing Insurance,” said Hodges. “I think Towing Insurance is something most people could probably do without by saving some money. But, I think Earthquake Insurance is probably something people couldn’t handle themselves so that’s a good coverage to buy.”

Insurance is a big slice of the budget for most families, but there are ways to reduce the cost.

Hodges has these suggestions, “Look at deductibles on various insurance. Try to go with higher deductibles and handle smaller claims yourself. You’ll get a lower premium that way.”

To Keep Premiums low for your home it’s a good idea to have smoke detectors, fire extinguishers, and dead bolt locks. Keep your credit score high for the best rates.

For Car Insurance, consider higher deductibles on comprehensive and collision. Remember, safe drivers get lower rates.

Advisors recommend Earthquake and Tornado Insurance for folks in the Heartland. But, be sure to read the find print for details on where you can rebuild your home, and how much damage is covered.

Another tip, remember you’ll pay for your friends bad driver if he or she borrows your car and has a wreck.  

Source: www.kfvs12.com  04-07-2006

Tags: Auto insurance, Home insurance, Renter insurance, Health insurance, Life insurance, Disability Insurance, Towing Insurance, deductibles, smoke detectors, fire extinguishers, dead bolt locks, Car Insurance, Earthquake insurance, Tornado Insurance

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- InsuranceNeighborhood.com Features Tools to Find ‘Best’ Plan and ‘Free’ Local Agent -

CALABASAS, Calif., June 7 /PRNewswire/ — Insurance Neighborhood, LLC, announced today the company has launched a new website to help California consumers navigate the complex world of individual health insurance. Through http://www.insuranceneighborhood.com/, consumers can quickly identify the best health plan for their particular needs and budget, and choose a reputable, local agent to counsel them — without adding to their monthly premium.

InsuranceNeighborhood.com enables consumers to compare rates and benefits, examine the physician and hospital networks, and apply for individual and family medical coverage from three of the state’s preeminent health plans: Blue Cross of California, Blue Shield of California and Health Net. Unlike first generation online health insurance agencies, Insurance Neighborhood also empowers consumers to find qualified, local agents who can serve as their advocates and help them get the most out of their insurance.

"Professional agents, with knowledge of the market dynamics in a community, are the most effective resource available to consumers seeking to understand their individual health insurance options," said Alan Katz, president and a co-founder of Insurance Neighborhood. "And working with an agent doesn’t increase the cost of coverage. That’s why Insurance Neighborhood delivers the best of both worlds: the convenience of the Internet and the service of a local agent — at the lowest price available."

Two signature features of InsuranceNeighborhood.com are QuoteAdvisor(SM), a revolutionary assessment tool that engages shoppers in four easy-to-use exercises to zero in on the right plan for their needs, and AgentLocator(SM), which allows consumers to research and select a local agent.

Agents who participate in the Insurance Neighborhood Agent Network have met the company’s demanding qualification requirements. Over 100 agents from throughout California signed-up for the Network prior to the launch of the site and are being added to Agent Locator as they are qualified. And the list is quickly expanding.

"Unlike sites that simply capture consumer information and sell their data to multiple agents, Insurance Neighborhood serves as a matchmaker — helping consumers connect with a single agent," added Katz. "And, even after a consumer has selected a local agent to work with, Insurance Neighborhood continues to be available as that consumer’s "online" agent."

About Insurance Neighborhood

Founded in 2005, Insurance Neighborhood LLC, employs state-of-the-art, online shopping tools and a proprietary needs assessment systems to provide California consumers with individual and family health plan comparisons, recommendations and information. The company’s mission is to help consumers find, understand and confidently choose the best health plan — and local agent — for their unique needs. As a result, consumers shopping on http://www.insuranceneighborhood.com/ enjoy the convenience of shopping online with the service of a professional agent — all at the lowest price available. Insurance Neighborhood is licensed with the California Department of Insurance as Insurance Neighborhood Insurance Agency LLC.

Contact: Alan Katz (818) 316-3199

DATASOURCE: Insurance Neighborhood, LLC

CONTACT: Alan Katz, +1-818-316-3199, for Insurance Neighborhood, LLC

Web site: http://www.insuranceneighborhood.com/

Source: www.orange.advfn.com

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