Homeowners Insurance - HOW TO CLOSE YOUR ESCROW -- How to buy it, How much to get, and HOW TO SAVE MONEY

The informed purchase of your homeowners insurance can be the most important minutes you invest into the purchase of a home.

So, you've purchased your new home, navigated the rigors of escrow including home inspections, termite tenting, title searches, legal wrangling, paper work, signatures, delays, changes, lost documents, unreachable loan officers, and the dog ate my disclosure!

Then you get the call..."I'll need a copy of your homeowners insurance to close escrow TOMORROW!"

So now what ?

If you've done the following.....YOU WON'T EVEN GET THE CALL! EVER!!!!!

There's a few simple steps you can take to avoid this last minute panic.

1. Contact YOUR insurance "team member" you trust EARLY in the escrow (like the day you open). (he is a member of your team that helps you avoid ulcers during escrows.)
2. Your agent then gets completely ready w/ the information, inspects the house, relays his information (phone, fac, etc) to escrow and waits. (Check to make sure he's going this. Sometimes escrow contacts him when there's like 20 minutes left till the rate lock expires....) Make sure he's all "warmed up" and ready to go just like the pitcher in the bull pen.

What should you look for.

You need to primarily consider 3 major points of the insurance. (there's MUCH more to it than this and you can read about that HERE.) This is just a quick peek at the basics of what you should look for.

1. INSURANCE TO VALUE - HOW MUCH? People need to insure their homes to the COST OF CONSTRUCTION of the home. Not the sales price, not the loan amount, but the amount of money it would take to rebuild in the case of a total loss. Living thru the TWO MAJOR SAN DIEGO FIRES in 2004 and 2007, I can tell you that this can be a PROBLEM. Get insured correctly going in the front door and the renewals should increase to keep pace (but check 'em out anyway...that's why they mail you an annual renewal notice.)
2. Get a good amount of Liability Coverage. This is the , GAWD, I'M GETTIN SUED coverage. Think minimum of $500,000 and maybe even a $$MILLION$$.
3. Don't take too low a deductible. Many clients take $2000 up to $5000 and even $10,000 deductibles for substantial reduction in their premiums. Look at the numbers and decide.

That's just a short view of the INSURANCE portion of your escrow. Most important, get an insurance agent you trust that will take good care of you and who will get to know you BEFORE he recommends coverage. Everybody's different with different insurance needs.

Find an agent that you can call who is willing to spend the time with you to be SURE you new home is adequately and COMPLETELY insured!

It's a Good Life !

Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121

eMail:mailto:Dennis@DennisVolz.com

Websites: Company Site: DennisVolzInsurance.com

Client Convenience Site: 6701000.com

My 'Other Blogs'
Working by Referral
Musings from California

Yearly Horoscope for Horse

In the year of the rat, it was said that the horse will have a bad year. For us, it was not bad but rather good. Hubby and I were able to get new good jobs last year (altho i quit mine after almost 6months). Hubby's job is in Singapore. And Ela and I were able to join him here in SGP in November.

Our health was also ok. Altho I had the flu last year, we were very thankful because our little princess did not have any serious illness last year. Unlike in 2007 when she was admitted in Medical City twice.

I hope this year of the OX will also be good for us.

Gong Xi Fa Cai!!

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Horse Ratings

32% (4 neutral and 8 unfavorable months)

The Horse may have a challenging year ahead. You may become frustrated with the lack of progress in your career, but you will have to be patient to see the results of your hard work. Beware of your energy levels, as you tend to swing in accordance to your success. You will have to work hard to steer yourself out of ruts with healthy activities and other projects that keep you active. Take comfort in your loved ones and friends who will provide support for you in times of need. Be open to try new things and heed the advice of others in the year of the Ox.


Horse Career

The Horse may not see the success that you have become accustomed in the year of the Ox. You may have to revise your usual tactics and maintain steady discipline to see small gains. Don't allow the lack of results to steer you away from your efforts, as they may not be apparent until next year. It would be wise to gain the confidence of your co-workers, as they may provide a useful means to furthering your pursuits.


Horse Relationships

It would be wise to take caution in your relations. In order for the Horse to have success with personal relations in the year of the Ox, pay attention to the needs of those around you and listen. Hesitate before expressing what is on your mind to spare the feelings of others. At times, you may be so preoccupied with your own activities that you forget the needs of those around you. Step outside of your own world to take care of the ones you love. The single Horse may have trouble this year finding a meaningful, long lasting relationship.


Horse Health

Hard work doesn't come without a price. Your health may suffer due to stress. You may experience periods of low energy, which may leave your immune system vulnerable. You may find that you need more sleep to maintain a functioning level of vitality. It wouldn't hurt to implement a routine of daily exercise, possibly jogging, to allow your endorphin level to keep you running with a high level of energy.


Horse Wealth

One positive area this year may be with your finances, as long as you spend wisely. Don't succumb to lavish spending or any extravagant whims. Plan your spending throughout this year and you will be able to amass a sum that is suitable for making some improvements in your life in the future. With care, you will do well in your financial matters.


Source: Astrology.com

I want these tickets!!

The tickets for the Eraserheads "Final Set" are already available at Ticketworld. Problem is i cannot access the site coz of too much traffic. bhuhuhu :( Hope somebody out there is kind enough to buy us tickets... we want two! pls!!!!!!!!!!

http://ticket2me.blogspot.com/2009/01/want-tickets-to-eraserheads-final-set.html

Watch Obama Inauguration

HAIRSTYLES FOR OVAL FACE SHAPES

Oval faces are the most many-sided faces. Many different styles will become you well, but no matter the length of your cut, you will look best with layers near your cheekbones, lips or chin - basically whatever feature you want to highlight. The perfect haircuts for oval face shapes are the cuts that show off the cheekbones and chin. The spike effect is downplayed, too much spike is NOT good on an oval face shape. It gives the illusion of length.



If you have wavy hair and an oval face, this long, wavy hairstyle is for you. It's not too long, which is bad for oval faces, but it's the perfect mix of wavy & long.

Celebrities that have OVAL FACE SHAPES

Actress Gwyneth Paltrow. Here, you see how hair that's just too long not only overwhelms an otherwise pretty face, but drags it down. While there are few hard and fast rules in beauty, we think few women can get away with hair this long. While dark roots were trendy for like five seconds last year, they never looked nice.


Jennifer Aniston. An A-lister star all the way, Jennifer Aniston, also known as Brad Pitt’s ex-wife, is a blonde beauty who has the girl next door look and is equally at ease falling into the femme fatale mode, if a role demands it.


Cameron Diaz. Cameron lookes amazing promoting her movie, "In Her Shoes" with this simple yet stylish hairdo.


Sharon Stone.

UP Grads: Read This!!

repost:
http://mikersindahawz.multiply.com/journal/item/11/Paying_It_Back_for_Mang_Meliton_a.k.a_Mang_Milton

a truly inspiring story. hope many people can help him.
and for those people he helped, hope they have a heart to repay him.