How to Protect Yourself and Your Family with Auto Insurance

What you’ll discover in this report:

  • Insider secrets about how insurance companies price your insurance
  • How not to get ripped off when you do buy protection
  • How much to buy…how much not to buy
  • Little known facts about the six different kinds of insurance in a standard auto policy
  • Who’s really covered…who’s not!
  • How do you get the most for your money?  11 ways to SAVE MONEY on your car insurance…
  • Straight answers to the nagging questions about Rental Car Insurance

There are several ways you can purchase insurance for your car(s). You can buy it over the Internet at literally hundreds of different web sites. You can call an 800 number and buy it over the phone directly from an auto insurance company. You can call an insurance agent. In some cases, you can buy it at your bank or credit union.

It’s not surprising you can buy it so many ways. After all, there are hundreds of insurance companies that sell auto coverage in your area. How do these companies differentiate themselves? Some brag about their superior service when you have a claim. Some tout how easy it is to buy from them. But, often, auto insurance companies try to compete on price. Just as if you were buying a plane ticket, a radio or soda pop.

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Titanic Insurance Documents Released

The original insurance valuation for the Titanic following its sinking on April 15 1912

An insurance document from the Titanic has been released for the first time.

The ship’s hull and machinery was valued at £1 million and owners White Star Line would have had hundreds of different insurers.

The total pay out by Royal Insurance, now forming part of the RSA Insurance Group, on it was £4,000 (an estimated £263,000 in today’s money). There were claims amounting to £150,000.

This is the first time the document, dated April 30 1912, has been seen by anybody outside the RSA Insurance Group.

Richard Turner, marine director at RSA, said there would have been up to 100 insurers of the Titanic.

“Although a million pounds does not sound very much, it must have been one of the largest values of any ship afloat at the time, if not the largest,” he said.

He added: “The fact that so many insurers were involved meant the risk was widely spread and everyone was affected by it.”

Each firm covered about 1% of the value.

Mr Turner added: “The wider impact was on the way ships were designed afterwards, the sinking exposed the frailties in design and that had an impact.”

He said with the First World War erupting two years later the market would have become dominated by claims for damage caused by fighting, adding it was hard to estimate the effect of the Titanic on premiums.

How to Prepare a Basic Emergency Supply Kit

When preparing for a possible emergency situation, it’s best to think first about the basics of survival: fresh water, food, clean air and warmth.

Recommended Items to Include in a Basic Emergency Supply Kit:

  • Water, one gallon of water per person per day for at least three days, for drinking and sanitation
  • Food, at least a three-day supply of non-perishable food
  • Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
  • Flashlight and extra batteries
  • First aid kit
  • Whistle to signal for help
  • Dust mask, to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
  • Moist towelettes, garbage bags and plastic ties for personal sanitation
  • Wrench or pliers to turn off utilities
  • Can opener for food (if kit contains canned food)
  • Local maps
  • Cell phone with extra batteries and chargers

Additional Items to Consider Adding to an Emergency Supply Kit:

  • Prescription medications and glasses
  • Infant formula and diapers
  • Pet food and extra water for your pet
  • Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container
  • Cash or traveler’s checks and change
  • Emergency reference material such as a first aid book or information from www.ready.gov
  • Sleeping bag or warm blanket for each person. Consider additional bedding if you live in a cold-weather climate.
  • Complete change of clothing including a long sleeved shirt, long pants and sturdy shoes.  Consider additional clothing if you live in a cold-weather climate.
  • Household chlorine bleach and medicine dropper – When diluted nine parts water to one part bleach, bleach can be used as a disinfectant. Or in an emergency, you can use it to treat water by using 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
  • Fire Extinguisher
  • Matches in a waterproof container
  • Feminine supplies and personal hygiene items
  • Mess kits, paper cups, plates and plastic utensils, paper towels
  • Paper and pencil
  • Books, games, puzzles or other activities for children

RVOS Lodge 103 Sponsors Scholarship

RVOS Lodge 103 is proud to offer 2 $1,000 scholarships to graduating high school seniors. Eligible applicants are those who are:

  • High school seniors who will graduate in the spring of 2012
  • Plan to attend college or a vocational school in the fall of 2012
  • The child or grandchild of a current RVOS Lodge 103 member

This year’s essay subject is Texas history. Essays should be one page, double-spaced, using 10pt Arial font. The applicant’s name and phone number should appear on the page.

Scholarship deadline is April 30, 2012.  Instructions and application form may be downloaded here.
2012 RVOS Lodge 103 scholarship application

How to Protect Your In-Home Business

Everyone with – or considering – an in-home business must read this report!  Make sure that you and your business are getting the right protection!

If you are not working at home yet, you may be soon. For more and more Americans, their “commute” to work is from the kitchen or living room to the den or study. By some estimates, there are as many as 18 million home-based businesses in the United States, and that number is expected to grow rapidly.

• Fact  Unfortunately, many of these home-based businesses, perhaps even most, do not have adequate insurance coverage. One study found that 60% of those who work at home may not have insurance for their business activities.
The study also found that most of those without business-specific insurance believe they are protected by their homeowners insurance. Actually, a homeowners policy does offer some coverage for home-based business, but it is minimal. Most homeowners policies provide a maximum of $2,500 coverage for business equipment (computers, fax machines, etc.) in the home.

If that sounds like it’s enough, it probably isn’t. If you are sued because of your home-based business activities — the company that hired you as a consultant believes your advice was dead wrong; the computer equipment you “fixed” doesn’t work; the cookies you baked made someone ill — your homeowners policy won’t protect you.

Further, if you have to temporarily shut down your business for whatever reason, the homeowners policy won’t allow you to recover the income you lost because of the shutdown. There are insurance policies available to home-based businesses that do provide these coverages.

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