Month: April 2017

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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 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, the 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 the price per gallon on an 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 a 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 provides 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 purer 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.