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Homeowners Insurance Buying Tips

Homeowners Insurance Buying Tips

Homeowners insurance protects your home and your personal property from loss. Here is homeowners insurance advice for any homeowner looking to save on their homeowners insurance without sacrificing necessary protection. For more information about Homeowners Insurance in San Antonio contact Ed Cuellarsan antonio homeowners insurance

Buy the Right Amount of Insurance

Your homeowners insurance policy includes coverage for:

* Your home

* Your personal property

* Your assets

Your home – For your home, you need enough insurance to pay for rebuilding your home at current construction costs. To estimate this amount, multiply the square footage of your home by the building cost per square foot in your neighborhood. Do not include the cost of your land as you figure out your property coverage limit.

Your personal property – Your personal property limit is usually half of the property limit. To determine if this is enough, list everything you own and how much it would cost to replace. Also note that some types of personal property, such as jewelry, silverware, or computers, are only covered up to specified limits. Ask your insurance professional what types of personal property have specific limits so you can buy more coverage for these items if you need it.Homeowners insurance

Your assets – Personal liability coverage protects you if someone is injured while on your property. You should have enough liability insurance to protect your assets – savings accounts, CDs, stocks, bonds, etc.

Get the Discounts You Deserve

Insurance companies typically offer numerous discounts that will lower your insurance bill. Common homeowner discounts include:

* Non-smoker and senior citizen discounts.

* Discounts for safety features such as alarm systems, smoke detectors, and deadbolts.

* Discounts for placing your homeowners and auto insurance with the same company.

Ask your insurance professional about these and any other discounts you qualify for.

Raise Your Deductible

The deductible is the amount you pay out of pocket before the insurance company begins to pay. The higher your deductible, the lower your premium, so set your deductible as high as you can afford.

Shop Around

You can save a lot of money on your homeowners insurance by comparing rates on an insurance comparison website. You type in your insurance information and multiple A-rated insurance companies send you quotes.

On the best insurance comparison websites you can even talk with insurance professionals and get more advice on homeowners insurance and how to save money on your homeowners premium (see link below).

Visit http://edcuellar.com/homeowners-insurance-free-home-insurance-quotes/ or click on the following link to get homeowners insurance rate quotes online from top-rated companies and see how much you can save. You can also get more insurance advice there.

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What Kind of Water Filter is right for you

What Kind of Water Filter is right for you

Your own definition of what constitutes the cheapest water filtration systems is what will ultimately be the deciding factor in your own situation. For instance, if you are thinking about lowest upfront costs, a simple faucet filter may be the best choice. But if initial investment is not an issue, perhaps a whole house filter makes more financial sense for your household.Water filter Service and Installation More about clean water and water softeners

Price Per Gallon – The Central Factor

If you are in the market to find the cheapest water filtration systems, actual price per gallon of filtered water should be the first factor in making a decision to buy. Without factoring in the initial cost of purchasing a filter device, determining price per gallon on a individual filter is figured by dividing the cost of the replacement filter by the potential number of filtered gallons.

So for instance, if a single replacement filter costs $48.00 and produces 500 gallons of filtered water, the price for gallon for this filter will be approximately 9.6 cents per gallon. For the sake of argument, let’s say the initial cost of the filtering device costs approximately $100.00, so the total cost for the first 500 gallons will actually be about 20 cents per gallon, and then the 9.6 cents per gallon price when replacing the filter. Whole house water filtering systems can be a bit pricey, and one should consider the benefits of having all the water in your home filtered versus just the faucets from which you plan to drink.

Price Per Gallon + Actual Purity = Cheapest Water Filtration Systems

Quantity without quality is a tried and true maxim, and the same goes for filtered water systems. Producing water at the cheapest price per gallon is only half the equation. Getting actual pure water is the other. So once you’ve compiled a list of the cheapest water filtration systems, the next thing to check is the Micron Rating.

A micron is an extremely tiny measurement that water filtration companies use to describe what size particles will be removed by individual filtering products. The smaller the micron rating, the smaller the particles a device will be expected to remove. So for instance, most faucet attached filters have about a .05 micron rating, which is good for removing some sediments, chlorine, and smaller bacteria. If you intend to remove viruses and very fine particles, only a filter rated at .01 micron rating will do. So once you’ve figured the price per gallon, narrow your selection of water filtering devices by which one’s provide the best filtering protection.clean drinking water

What about Bottled Water?

Many people seem to think that water from the tap just isn’t nearly as pure as bottled water trucked in from outside exotic sources. But many media outlets and other investigating agencies have found that in many instances this bottled water is no more pure than the water that presently comes from your tap, and in the majority of instances simple tap water is much more safe and clean than bottled water. What do you think is more pure, bottled water that comes from a tap on an island in the South Pacific or water that is purified from a local source? And in terms of price, bottled water is actually more than 200,000% more expensive than tap water. Imported bottled water is in no way any part of being on the list of cheapest water filtration systems.

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Know Your Pests

Know Your Pests

Most insects thrive in warm, hot, and humid conditions. This spring and summer, watch out for insects that can not only be a nuisance, but also quickly infest your entire home. Here are three types of insects commonly seen in spring and summer that should be eradicated by a pest control professional.Pest Control More info about Pest Control


Mosquitoes breed and lay eggs in any standing water they can find. Watch out for these flying insects, not only because their bite is uncomfortable, but also because they have the potential to spread disease. Some mosquitoes carry the West Nile virus, dengue fever, malaria, and yellow fever. Hire a professional if you have a serious mosquito problem. Exterminators will eliminate breeding sites that are active or potentially active and will apply material treatments to areas where adult mosquitoes congregate.


Ants thrive in the summertime. They can enter your home through small cracks and feed themselves and their colony with crumbs, unsealed food, and unwashed dishes. Ant colonies’ members number in the thousands and can overrun a kitchen in a short amount of time. Extermination services will detect and treat possible entry points and eliminate the entire ant colony.Pest Control - Ants


Termites move into the soil in the winter to avoid the cold. Once spring and summer temperatures reheat the soil, they move back up to find food. These pests prefer food-rich places to colonize, especially near ample amounts of wood found in the structure of a home. You should take immediate action if you detect signs of termite damage. Damaged or infected wood should be replaced or treated, and the termite colony should be eliminated by a pest control service.Pest Control Termites

Call ScherZinger Pest Control this spring and summer if you have problems with bed bugs, ants, or termites in Cincinnati. Since 1934, we’ve continued to offer Cincinnati residents our quality, dependable extermination services and a dedication to results. Call us today at (513) 924-4856 for more information.

Odorous ants got their name from the rotten coconut smell they emit when stepped on. These small ants are numerous and often establish colonies in concealed areas. Because some DIY methods may actually encourage colony growth, call a pest control company to eliminate your odorous ant problem right away.

DIY Spraying May Make Matters Worse

Trying to rid your home of odorous ants with an over-the-counter residual spray or dust could actually worsen your infestation. These sprays often overstress odorous house ants without killing them, leading them to instinctively split up and establish sub-colonies in other areas of your home.

Exterminators Wipe Out the Entire Colony

Female odorous ants lay one egg a day and the average colony ranges between 100 and 10,000 members. The hatchlings reach adulthood in less than a month and their adult counterparts live several years. They’re smaller than other common ants and like to nest in hard-to-reach or concealed locations in crawlspaces, underneath carpets, near heaters, and even beneath floors. For these reasons, the heart of their nest may be hard to find, unless you’re a professional.

ScherZinger Pest Control of Cincinnati offers homeowners struggling with ant problems our Target Pest program, a service that targets specific pests with a one-time, guaranteed service. Contact us today if you have a pest control problem in your home. Visit this site about Pest Control
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