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Both your claims history and your credit record can influence your insurance rates, and may even make getting insurance difficult. So, I thought I d give you some information on where to get your reports.

Get a copy of your credit record at any of the three major credit bureaus … Equifax, Experian and Trans Union.

I read on the Federal Trade Commission website that by law these organizations cannot charge more than $9 for your credit report. On their websites, though, they re offering all kinds of enhanced reports for $20, $30 or more. Just remember they MUST offer you a basic credit report for $9. Look around to find the $9 report.

It s a good idea to check your credit report once a year and make sure it s accurate. You may also catch an Identity Thief before they do too much damage to your credit by checking regularly.

Equifax - www.equifax.com or 800-685-1111

Experian - www.experian.com or 888-397-3742

Trans Union - www.transunion.com or 800-888-4213

Louisiana homes are prone to wind and water damage as the state is at high risk for hurricanes and rain storms. Therefore, Louisiana home owners must make sure their homes are as wind- and water-resistant as possible. Home owner insurance companies are going to look at several factors regarding these kinds of resistance as they determine a Louisiana home owner insurance quote.

After you are moved in and settled, you have no control over the age of your home however, you do have control over the condition of your home. Many old homes are prone to more damage than newer homes, so you have to make sure your old home is well-maintained. Make all necessary repairs and replacements before you search for your Louisiana home owner insurance quote. By doing this, you are more likely to get a cheap home owner insurance quote. Take into consideration your roof and your plumbing and electrical systems, as these factors can cause additional water damage as well as fire damage. Make sure your windows and (more...)