Save Money Tips

8 Tip on Homeownner Insurance 1. You're a statistic To an insurer, you're not a person; you're a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors," including your occupation, who you are, what you own, and how you live. 2. Know your home's value Before you choose a policy, it is essential to establish your home's replacement cost. A local builder can provide the best estimate. 3. Insurers differ As with anything else you buy, what seems to be the same product can be priced differently by different companies. You can save money by comparison shopping. 4. Don't just look at price A low price is no bargain if an insurer takes forever to service your claim. Research the insurer's record for claims service, as well as its financial stability. 5. Go beyond the basics A basic homeowners policy may not promise to entirely replace your home. 6. Demand discounts Americans waste money every y

5 Tips to Prepare for Your Property Settlement 1. Insurance Haven't organised insurance yet? Get it now! It can be a risky practice to rely on the vendor's  insurance cover (or lack thereof) if something happens to the property during the period from exchange to settlement. Having adequate insurance in place will give you peace of mind. 2. Keys, codes and passes Make sure you organise who has the keys and when you can collect them from the agent or your legal representative. Also, make sure you have the alarm codes (if any) and instruction manuals. Some purchasers want to collect the keys that day from the agent; others have the keys delivered to their solicitor after settlement . By sorting out the logistics beforehand, you can enjoy your property sooner (without setting off any house alarms!). 3. Final inspection This is probably the most important inspection you will undertake, so you should organise it during daylight hours as close as possible to settlement and