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House fires are terrifying. This is especially true in homes where no smoke alarm is present. In Atlanta, Georgia more than 60% of deaths from fires occur in homes where there isn t a working smoke alarm. These deaths may be prevented if the homeowner took the time to install and maintain smoke alarms. Those same alarms may also help the homeowner to find a better rate on their insurance.

Insurance companies enjoy good risks. This is how they view a home that has smoke alarms, a fire extinguisher and also a home that has a security alarm in place. If you have these items present in your house, you likely already qualify for a reasonable rate on your insurance. Just ask any agents you contact for a quote if they have offer related discounts.

You ll also qualify for a better rate if you don t over insure your home. This is a really easy mistake to make and it generally happens when the homeowner purchases insurance based on the purchase price of their home instead of its actual value. If you a (more...)

Long term care insurance is expensive. That s a fact. Isn t it a good idea to self-insure? That is, save up for money for retirement and just hope for the best? Isn t it, after all, a fact that there s a good chance that you won t need it? What s the best thing to do? It depends on you and your peculiar circumstance.

Self insurance means you d have to pay out of your own pocket if you ever do need long term care. It s certainly a wise move to take your chances if spending between $100 and $200 daily for a year won t dent your finances. If you re one of such fortunate few, self insurance may be a wise option.

However, if the mere thought of spending such an amount on long term care makes you shudder you ll do well to get long term care insurance.

If you re determined to NOT ruin your children s life by over-tasking them with the demands of custodial care, you do well to get long term care insurance.

If you have a history of health conditions that require long term care in your f (more...)