Home Insurance Information

We are planning to buy a home in north natomas sacramento area. We are just curious as to how much insurance might cost in this area including flood insurance considering it is in a flood zone. We are planning to spend approximatly $200,000.

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Despite much of the doom and gloom being reported about the insurance industry lately, what with AIG and its ongoing trails and tribulations regularly splashed across headlines everywhere, the industry can hold its head high today after a number of its businesses were named to Inc. magazine’s Fastest Growing Companies. Like what you see? Click here to sign up for Insurance Networking News weekly newsletter to get the latest on breaking industry news, carrier technology implementations and developing business and technology trends. Of the 5,000 companies that made the magazine’s annual list, 69 were directly tied to the insurance industry, be they insurers, agencies, brokerages, vendors or otherwise. “If you want to know which companies are going to change the world, look at the Inc. 500/5000,” says Inc. editor Jane Berentson “These are the most dynamic, fast-growth companies in the nation, the ones finding innovative solutions to problems, creating smart systems, and inventing products we soon discover we can’t live without. The Inc. 500/5000 list is Inc. magazine’s tribute to American business ingenuity and ambition.”This year’s list, Inc. says, measures revenue growth from 2006 through 2009. In order to qualify, companies must have been founded and generating revenue by June 30, 2006. They also had to be U.S.-based, privately held, for profit, and independent—not subsidiaries or divisions of other companies—as of Dec. 31, 2009. Additionally, the minimum revenue required for consideration in 2006 is $80,000, whereas the minimum for 2009 is $2 million.Below are the companies operating in the Insurance industry that made the 2010 Inc.5000 list, ordered by their overall ranking.36. QuoteWizard45. Exceptional Risk Advisors68. InsuranceAgents.com70. Ensurity Group94. Extend Health168. NII Brokerage225. Freedom Health249. Homeland HealthCare343. Fiesta Insurance Franchise631. Alliant National Title Insurance663. Smarsh758. Access Insurance Holdings833. Brightway Insurance884. MEDVAL971. AutoClaims Direct1020. EPIC Insurance Brokers1035. Chapman Kelly1432. Insurance Care Direct1626. Lapre Scali & Company Insurance Services1840. The Barbour Group1884. Crowe Paradis1905. Gramercy Insurance1984. Adaptik2132. The Home Agency2190. MEDEX Global Solutions2234. Senior Market Sales2325. Foundation Title2327. Digital Insurance2366. LTC Financial Partners2464. KMRD Partners2671. Group Insurance Solutions2879. The Phia Group3019. Barhorst Insurance Group3032. Spectrum Direct3033. Power Group3044. Vertafore3189. Hanover Fire & Casualty Insurance3242. EnTitle Insurance3272. The Presidio Group3348. Naplia3407. ScripNet3419. Capstone Brokerage3527. Cornerstone Appraisal Services3532. Family Heritage Life Insurance Company of America3565. Starmount Life Insurance3638. Home Warranty of America3653. Schwartz Benefit Services3870. Alltrust Insurance3926. Neace Lukens3953. Affordable Health Insurance

The positive effects of good summer weather on all of us are well documented. But sadly the pleasant conditions which we have been having recently are a boon for burglars too. The ABI (Association of British Insurers) has now warned that good weather can quite literally mean open house for the criminal.

When the mercury soars, householders throw open the windows – often with scant regard for the consequences. Whilst we are sitting in the back garden, making the most of the summer weather, it is not just a cooling breeze that we are allowing in through our open windows.

In some areas of the country, half of all burglaries are made easy by householders leaving a door or window open which is then used to gain entry.

Police have also been quick to point out that it is a myth that most burglaries are carried out under cover of darkness. Indeed, burglars know that householders are likely to check doors and windows before going to bed and therefore prefer to strike in daylight hours when their job is made easy by sloppy security.

It is of course also peak holiday season, another factor which provides rich pickings for the burglar, especially when it is obvious that the house is unoccupied. Simple precautions such as asking a friend or family member to pop in to pick up post, remembering to cancel newspapers and milk deliveries and using a cheap timer to operate lights can all make your home safer.

Last summer, insurance companies paid out £84 million in burglary claims and, although householders may have been financially recompensed for the thefts, nothing can ever compensate you for items of sentimental value or for the trauma of discovering that your home has been burgled.

A new report has found that more Medicaid patients are using the ER, the National Flood Insurance Program has run into problems that have put it in the red and the NHTSA has revealed that teen drivers are more vulnerable to deadly crashes.

More Medicaid Patients Using ER

Researchers from the University of California, San Francisco, say that an increasing number Americans, especially adults on Medicaid, are using the emergency room as their “safety net” for health care; the reason being that they must treat all patients regardless of health insurance coverage or ability to pay.

According to their report, five times the number of adults with Medicaid visited the emergency department than those with private insurance in 2007, as compared to only three and a half times the number in 1999. Researchers said many of these visits could have been handled by a primary care clinic, but the patients preferred the speed of the ER (Business Week).

National Flood Insurance Program in the Red

The National Flood Insurance Program (NFIP) is in the red, and “repeat offender,” flooded homes, seems to be the culprit for the massive payouts that have left the program struggling for money.

A new report from the Houston Chronicle found that between 1977 and 1995, the NFIP paid out $806,591 for repeated storm damage to one suburban Houston home that was valued at $114,480. In the report, it was revealed that roughly 1 percent of properties typically account for between 25 and 30 percent of the claims it pays and these “repetitive loss” homes have more than doubled in the past 15 years.

Currently, NFIP owes the Department of Treasury more than $18 billion and is unlikely to be able to pay it back (Houston Chronicle).

Teen Drivers Vulnerable to Deadly Crashes

A recent report from the National Highway Traffic Safety Administration (NHTSA) revealed that teen drivers are especially vulnerable to deadly crashes.

In the report, it was revealed that mile for mile, teenagers are involved in three times as many fatal crashes as other drivers. Even more, motor vehicle accidents account for more deaths than both suicide and homicide combined. It’s for this reason that the NHTSA encourages parents to not only teach safe driving but also purchase quality auto insurance for teen drivers (NHTSA).

Homeowners Insurance Leads and Quotes

Let’s face it, these days it is extremely important to get your house insured by an insurance agent.  But the most important question, do you know where to find an insurance agent who can provide you with an insurance quote on your home?

It is always recommended that you use a homeowners insurance company and seek tips and advice from a reputable and reliable insurance agent.  Only qualified and professional insurance agents can offer the correct insurance quote and coverages. 

Below are some imperative details that need to be considered with an agent when asking for a quote on homeowners insurance: 

1.  Be certain to Make sure you have enough insurance to cover the cost of rebuilding your house at current construction costs. To figure out the amount of coverage needed, take the total square footage of the house and multiply by current local rebuilding costs per square foot. For example: A 2000 square foot home with local rebuilding costs of $150 per square foot (2000 * 150) comes to $300,000 of dwelling coverage.

2.  Make sure that your personal possessions are properly covered. We recommend that personal possessions are insured at replacement cost NOT actual cash value.

3.  Most homeowners policies will also provide coverage for loss of use. This means that if you need to live somewhere else while the house is being restored the insurance company will pay for this expense.

4.  Liability coverage is also included on most homeowners policies. This is very important. The minimum on most policies is $100,000. We recommend at least $300,000.

5.  In addition to the coverage’s mentioned, there are many other coverage’s to consider depending on the type of house, the contents in the house and any other structures located on the property. We recommend a review of your coverages be handled by a local insurance agent. 

When you obtain the answers you are now in a better position to get the correct homeowners insurance quote.

Just as an owner of a home needs insurance on their house, an insurance agent also needs homeowners insurance leads that will generate him activity for their agency. 

For an agent to get the right insurance leads, you need to focus on the LOCAL community.  *Below is an example of how to get the correct homeowners insurance leads.

*The agent MUST have the necessary tools to drive traffic to the business website with a focus on the LOCAL community.  As the Internet is used in 75 percent of households, the quickest method of communication is via email and the web. 

We offer the best homeowners insurance source of information and insurance agents.  Find top homeowners insurance agents by your zip code and learn the basics about homeowners insurance on http://www.insuremyhouse.com/