What Factors Affect Home Insurance Costs

What Factors Affect Home Insurance Costs What Factors Affect Home Insurance Costs? Since lenders require proof of home insurance coverage for mortgages, prospective home buyers often turn to their real estate agents for guidance on the subject. If you’re a realtor, you need to arm yourself with the necessary knowledge to close a deal, and that includes understanding the top factors that affect home insurance premiums. Home Insurance Basics “What does home insurance cover?” a prospective client asks. You then proceed to tell them that, in general, home insurance covers their home in case of certain types of natural disastersâ€"such as fires, lightning strikes, and even wind. The cost of home insurance coverage varies depending on a number of factors that we’ll detail below. However, homeowners can customize their coverage based on their budgets or upgrade it to cover “extras” such as detached structures, personal property, and accident liability, too! 11 Factors That Can Affect Homeowners Insurance If one of your prospective real estate clients is apprehensive about getting homeowners insurance, it will compromise their ability to secure a mortgageâ€"thereby compromising your ability to make a sale! So, here’s a quick list of major factors that may influence your clients’ home insurance costs. 1.     Attractive Nuisances   “Attractive nuisance” is just a fancy way to refer to non-essential perks included or added to a property. These can include swimming pools, playgrounds, and more. Although attractive nuisances add to a property’s value, they also increase the likelihood of liability claims. Accordingly, homeowners insurance covering attractive nuisances comes at a premium. 2.     Construction Age “If something happened to the home, how much would it cost to rebuild it?” That’s a big question insurance companies try to answer when calculating premiums. Older homes may be more susceptible to damage from the elements or simple wear and tearâ€"and parts and components to repair them may be harder to come by, so an older construction may be costlier to insure. However, home improvements like roofing upgrades and plumbing overhauls may reduce the likelihood of a claim, which will reduce insurance rates. 3.     In-Home Businesses   With the growing trend in remote work and work-from-home employment, an increasing number of people are running their businesses out of their homes. For insurance companies, this means there’s equipment, inventory, and electronics to coverâ€"all of which don’t qualify as “personal property.” Home-based business-owners may need to consider an additional layer of coverage to protect their work-related property from theft, loss, and natural disasters. 4. Proximity to Emergency Services Insurance companies really do consider every possibility when calculating ratesâ€"even how close a home is to the fire department or how far it is from a fire hydrant. After all, fires can completely obliterate a home in a matter of minutes, the sooner the firefighters can get there, the fewer damages an insurance company will have to cover. 5. Closeness to a Body of Water It is not uncommon for homeowners insurance providers to charge extra for wind and hail or flood coverageâ€"particularly in areas that are prone to hurricanes. Whether you and your clients find yourselves in one of those areas or not, the closer a home is to a body of water, be it an artificial pond or the coastline, the higher you can expect insurance rates to be.   6. Wood-Burning Stoves That wood-fired stove looks great on the property listing, but to the insurance company, it’s just another liability. Although wood-burning stoves may help lower gas and electricity costs, they may also raise homeowners insurance prices. Advise your clients to talk to their insurance agent about any fire safety measures they’re taking in regard to their wood-fired stoves. Something as simple as fire hydrants and stove inspections performed by licensed-contractors may help reduce their rates. 7. Location, Location, Location From natural disasters to crime rates, every location has its unique challenges and risksâ€"all of which home insurance companies use to calculate rates. Not only does the location of a home affect the likelihood of a claim, but it also affects how much it’ll cost to cover that claim due to labor costs, material, and regulatory costs in the area! 8. Claims History Comprehensive Loss Insurance Underwriting Exchange or C.L.U.E. is to homeowners insurance as reporting bureaus are to credit. C.L.U.E. keeps policyholders’ claims histories dating back seven years. Most insurance companies used applicants’ claim histories to uncover the frequency and severity of a person’s prior claims, as they are closely correlated to the likelihood they’ll make a claim in the future. Just like a battered credit score, a bruised claims history may increase homeowners insurance rates. 9. Credit Score Speaking of credit, homeowners’ credit scores may have an impact on the cost of insurance. This is because some insurance companies argue that there’s a correlation between a low credit score or bad credit history and the likelihood of making a claim. The good news is, some states such as California and Massachusetts have banned the practice of using credit as a factor in home insurance pricing. 10. Construction Materials Insurance companies are all about reducing their own liability, so it’s unsurprising that they favor homes with “sturdier” construction materials. For example, wood and stucco are more susceptible to pest- or weather incident-related damage than brick and cement. Accordingly, homes built with what insurers consider more durable materials will likely be cheaper to insureâ€"particularly in areas where the incidence of pest and weather-related claims are lower. 11. Deductible and Level of Coverage Like most other types of insurance, homeowners policies come in a variety of coverage levels with a wide range of deductibles. A good rule of thumb for those in the home insurance market is that higher coverage equals higher premiums. And while their yearly premiums may be lower, policyholders who go for a high deductible, low coverage policy must be prepared to pay a sizeable amount if and when they make a claim. Turn Real Estate Leads into Sales   Positioning yourself as a knowledgeable and trustworthy thought leader in the real estate industry is vital to getting and keeping clients and referrals. You can empower yourself with essential knowledge about everything from homeowners insurance to property taxes in the areas you serve. As a matter of fact, by reading this blog you already are. Take your business to the next levels with additional continuing education courses from 360training.com.

How To Put Blog Writing On Resume

How To Put Blog Writing On ResumeIf you are planning to put your blog writing on resume, it would be good to keep in mind a few things. Many people who plan to do this never get past the very first step of getting the portfolio done. So, here are some tips for you.Blog Writing On Resume Is A Fun Way To Extend Your Learning Curve. This is one of the best ways to learn and grow. One way to do this is to write about something that interests you. This will help you retain information. It will also help you stay focused on things.To Write An Effective Resume You Have To Write About Something That Interests You. When you want to know how to put blog writing on resume on, you should always remember that you will be promoting yourself. Therefore, it is better to write about something that interests you.What I mean by this is that you have to write a blog. Blog writing is a wonderful way to find out things about yourself. Since you are writing on a topic that interests you, your readers will enjoy reading what you have to say.There are no secrets to how to put blog writing on resume. All you have to do is choose a topic that interests you. Once you have chosen a topic, all you have to do is find a site that provides templates.Most Blog Writing Sites Offer Templates. This is a great way to use your skills and expertise to promote yourself. When you want to know how to put blog writing on resume on, you have to know the basics to find out what's out there.Blog Writing Templates Explained. You need to make sure that you find a blog writing template that includes the ability to resize your images. Most blog writing templates offer this option.After you have decided on a blog writing template, you have to pick an appropriate topic. You can create a whole blog series for a single subject. Once you know the basics, the rest will be easy.

The Advantages of Using Volunteer Provided Resume Writing Services

<h1>The Advantages of Using Volunteer Provided Resume Writing Services</h1><p>There are numerous focal points of utilizing volunteer gave continue composing administrations. Much of the time these administrations are given to free by a notable organization, yet you don't need to go through cash to get the administration. In the event that you need to enlist an author, this would be the best approach. The benefits of having an essayist to compose your resume far exceed the disadvantages.</p><p></p><p>In expansion to allowing you the chance to set aside cash, proficient resume journalists can give you a one of a kind composing style. It is regularly hard to track down an essayist who will compose your resume in a way that will have the option to stand out and hold the peruser's consideration. This capacity to interface with perusers will assist you with accomplishing your objectives in the long run.</p><p></p><p>When you pick a specific essayist, you will have the option to work with them actually or through them. There are organizations that can give you tests of work that they have done and afterward you can enlist them. They can assist you with getting a feeling of the style that you are searching for and the abilities required in the job.</p><p></p><p>Volunteers are typically ready to take care of business rapidly. They know about the prerequisites that a resume must have and know precisely what they are discussing. They will have the option to give you tests of their work so you can see the style of composing that you need. Since these individuals are so acquainted with the prerequisites, you can feel progressively sure about what you are getting.</p><p></p><p>Using an essayist additionally enables you to see the work that they have done on different resumes. These people know about what the style of composing ought to be and what to stay away fr om so you don't chance estranging your present boss. They can work with you to give you a resume that doesn't leave anything out.</p><p></p><p>The scholars can likewise guarantee that you don't neglect any subtleties on your resume. This will assist you with abstaining from committing similar errors over once more. They can maintain a strategic distance from you committing errors that could make you look awful and allow you to improve your odds of getting the job.</p><p></p><p>A great essayist can verify that the entirety of the data on your resume is precise. The data that you put on your resume is significant. The data can influence your odds of landing the position you want, just as your wages for the job.</p><p></p><p>If you are thinking about whether you should utilize an independent author to compose your resume, the appropriate response is yes. The advantages of utilizing these administrations far exceed the hindrances. While you will be unable to stand to recruit an expert, you might have the option to manage the cost of an individual who has elected to work for free.</p>

Team Building Thursday (10 Photos)

Team Building Thursday (10 Photos) Team Building Thursday (10 Photos) Image Source: @ALCONUK‘TEAM Building’ is a crucial component of working life, and this  Team Building Thursday post confirms that the term  is truly a universal concept, with the same objectives in any language,  in any part of the world.Here are just 10 companies, with bases in locations as diverse as  the United States, the UK, Canada, Belgium and the United Arab Emirates, who regularly refocus on their collective skills via  a diversity of team-building exercises.If you’d like your company  to be included in future AGENT Team Building  Thursday posts, click the link below for submission details. (adsbygoogle = window.adsbygoogle || []).push({}); 1.  On Fleet San Francisco, USAImage Source: TWITTERONFLEET  specialise in transforming cumbersome last-mile logistics into delightful delivery management. Their exercise here brings personnel  into contact with the team-building and contact coordinations that  the company’s automated apps and web dashboards are  celebrated for.2 .  Wern London, UKImage Source:  TWITTERWERN  is a disruptive PR Communications consultancy, specialising in start-ups and entrepreneurs. They’re pictured having some immersive cinematic cos-play and team-building fun at a  Secret Cinema event. (adsbygoogle = window.adsbygoogle || []).push({}); 3.  Alcon Tamworth, UKIMAGE SOURCE:  TWITTERALCON  specialises in the design, development and  manufacture of specialist brakes and  clutches for use in motorsport, performance road cars and specialist sectors. Here, the team take a break from a mountain-biking team-building exercise in the Staffordshire countryside.4. First Canada Toronto, CanadaIMAGE SOURCE:  TWITTERFIRST Insurance  Funding of Canada (FIRST Canada) provides the Canadian insurance  market with comprehensive payment solutions. FIRST Canada offers flexible payment  options for all commercial insurance clients including pay in full, easy monthly  payments, and credit cards. At this recent staff team-building night,  the First Insurance crew  gets behind their local major league  baseball team, the Toronto Blue Jays. (adsbygoogle = window.adsbygoogle || []).push({}); 5.  Siemplify NYC, USAIMAGE SOURCE:  TWITTERSIEMPLIFY  have created a cyber security threat Analysis Platform that Brings Advanced Military Intelligence Capabilities to Enterprise Security Operations. Here they are having a well deserved team-building day out,  with great food, yoga and rock climbing.6.  Ring Partner Victoria, BC, CanadaIMAGE SOURCE:  TWITTERRING PARTNER  is the Pay Per Call Exchange based in Victoria, BC, Canada. The number of team-building exercise pictures posted to  the company’s entertaining Twitter feed indicates that efficient team-work is at the very heart of Ring Partner’s ethos. (adsbygoogle = window.adsbygoogle || []).push({}); 7.  Grayling PR BelgiumIMAGE SOURCE:  TWITTERGRAYLING PR  is a PR agency specialising in corporate and  consumer brand communications, media relations and  trainings, as well as reputation and  crisis management. This shot of a recent team-building exercise shows the Grayling personnel having some fun on Segways.8.  PSG Abu Dhabi, UAEIMAGE SOURCE:  TWITTERPSG  (Professional Sports Group)  is an award winning sports marketing agency based in Europe and the Middle East. Specialists in sponsorship, PR, events and representation. The company’s golf team is pictured after a post-work team-building event at Silvermere Golf Club in Surrey, England. (adsbygoogle = window.adsbygoogle || []).push({}); 9.  J-Me London, UKIMAGE SOURCE:  TWITTERJ-ME  is a global product design company, that has become known for producing original home products conceived  with a subtle touch of humour and sheer love of design. Here the team celebrate their completion of the ‘Crystal Maze’ during  a team-building exercise.10. The  TAL Group Toronto, CanadaIMAGE SOURCE:  TWITTERPERSONNEL from the  TAL Group,  an IT and  Mobile recruitment agency based in Toronto, Canada, pict ured on one of their monthly teambuilding events. The company’s Twitter team-building hashtag says it all: #teamworkmakesthedreamwork Team Building Thursday (10 Photos) Team Building Thursday (10 Photos) Image Source: @ALCONUK‘TEAM Building’ is a crucial component of working life, and this  Team Building Thursday post confirms that the term  is truly a universal concept, with the same objectives in any language,  in any part of the world.Here are just 10 companies, with bases in locations as diverse as  the United States, the UK, Canada, Belgium and the United Arab Emirates, who regularly refocus on their collective skills via  a diversity of team-building exercises.If you’d like your company  to be included in future AGENT Team Building  Thursday posts, click the link below for submission details. (adsbygoogle = window.adsbygoogle || []).push({}); 1.  On Fleet San Francisco, USAImage Source: TWITTERONFLEET  specialise in transforming cumbersome last-mile logistics into delightful delivery management. Their exercise here brings personnel  into contact with the team-building and contact coordinations that  the company’s automated apps and web dashboards are  celebrated for.2 .  Wern London, UKImage Source:  TWITTERWERN  is a disruptive PR Communications consultancy, specialising in start-ups and entrepreneurs. They’re pictured having some immersive cinematic cos-play and team-building fun at a  Secret Cinema event. (adsbygoogle = window.adsbygoogle || []).push({}); 3.  Alcon Tamworth, UKIMAGE SOURCE:  TWITTERALCON  specialises in the design, development and  manufacture of specialist brakes and  clutches for use in motorsport, performance road cars and specialist sectors. Here, the team take a break from a mountain-biking team-building exercise in the Staffordshire countryside.4. First Canada Toronto, CanadaIMAGE SOURCE:  TWITTERFIRST Insurance  Funding of Canada (FIRST Canada) provides the Canadian insurance  market with comprehensive payment solutions. FIRST Canada offers flexible payment  options for all commercial insurance clients including pay in full, easy monthly  payments, and credit cards. At this recent staff team-building night,  the First Insurance crew  gets behind their local major league  baseball team, the Toronto Blue Jays. (adsbygoogle = window.adsbygoogle || []).push({}); 5.  Siemplify NYC, USAIMAGE SOURCE:  TWITTERSIEMPLIFY  have created a cyber security threat Analysis Platform that Brings Advanced Military Intelligence Capabilities to Enterprise Security Operations. Here they are having a well deserved team-building day out,  with great food, yoga and rock climbing.6.  Ring Partner Victoria, BC, CanadaIMAGE SOURCE:  TWITTERRING PARTNER  is the Pay Per Call Exchange based in Victoria, BC, Canada. The number of team-building exercise pictures posted to  the company’s entertaining Twitter feed indicates that efficient team-work is at the very heart of Ring Partner’s ethos. (adsbygoogle = window.adsbygoogle || []).push({}); 7.  Grayling PR BelgiumIMAGE SOURCE:  TWITTERGRAYLING PR  is a PR agency specialising in corporate and  consumer brand communications, media relations and  trainings, as well as reputation and  crisis management. This shot of a recent team-building exercise shows the Grayling personnel having some fun on Segways.8.  PSG Abu Dhabi, UAEIMAGE SOURCE:  TWITTERPSG  (Professional Sports Group)  is an award winning sports marketing agency based in Europe and the Middle East. Specialists in sponsorship, PR, events and representation. The company’s golf team is pictured after a post-work team-building event at Silvermere Golf Club in Surrey, England. (adsbygoogle = window.adsbygoogle || []).push({}); 9.  J-Me London, UKIMAGE SOURCE:  TWITTERJ-ME  is a global product design company, that has become known for producing original home products conceived  with a subtle touch of humour and sheer love of design. Here the team celebrate their completion of the ‘Crystal Maze’ during  a team-building exercise.10. The  TAL Group Toronto, CanadaIMAGE SOURCE:  TWITTERPERSONNEL from the  TAL Group,  an IT and  Mobile recruitment agency based in Toronto, Canada, pict ured on one of their monthly teambuilding events. The company’s Twitter team-building hashtag says it all: #teamworkmakesthedreamwork