Is Your Home Insurance Keeping Up With Your Home?
These days most of us are watching what we spend and major purchases are often something we save for over a long period of time. That's why it's becoming increasingly important to protect our assets—they're tough to replace. One of the best ways to protect what you've worked hard for is to make certain your home and personal property are adequately insured. While most of us have home insurance, we tend to pay little attention to the details of exactly what it covers and whether it's enough. Most policies cover your home and contents against losses from fire, vandalism, burglary and other perils, however the exact nature of the coverage varies from one policy to another. For example, some policies automatically insure contents for a percentage of the building limit. For example, if your building is insured for $120,000 and your policy allows for 75%, the contents would be insured for $90,000. This is where some people make a mistake. Ninety thousand dollars sounds like a lot of coverage but when you do a quick inventory of your belongings and add up what it would cost to replace them, you might be astounded at the result. And $90,000 is often not enough. Here are three ways to make sure you have enough coverage. First, add replacement cost coverage to your policy. This ensures your loss will be paid based on current cost of replacing or repairing the item, without any deduction for depreciation. It's comforting to know that if your ten year old bedroom suite is destroyed, you'll get enough money to replace rather than simply the amount it's worth today. Second, review your policy to see if there are any limits on items like jewellery, furs, or coin collections. For example, the limit on jewellery can range from $1,000 to $10,000 depending on your policy. Since these items may be worth more than your policy's limit, it's advisable to insure them separately based on their appraised value. Third, to help determine how much personal property coverage you need and to help provide proof of ownership in the event of a claim, take stock of the contents of your home.
There are several ways to record this information.
• Write down a description of your possessions room by room and keep any receipts with the list.
• Videotape a walk through your house, verbally describing the items you're taping—include serial numbers and purchase dates.
• Take pictures of the major items and attach a receipt to the back of the photo.
It's important to update this record on a regular basis. It is wise to leave it in a safety deposit box so that if your home is damaged or destroyed, your record won't be destroyed along with your other things. Some insurance companies have developed inventory forms to make the job easier. The key with any type of insurance protection is to identify your needs and with the help of your insurance company, design a policy to meet those needs. Once this is done, you should review your policy annually to make sure your insurance is keeping up to the value of your home and contents.
The moment you enter the doors at End Of The Roll, you know you have found the perfect place to help with all your flooring needs. As small as a hallway to as large as a commercial space – their flooring experts will guide you through the selection process, making sure you end up standing on solid ground. It has always been the goal at End Of The Roll to provide customers with the highest quality flooring and the best purchasing experience. They are your SASKATOON FLOORING Expert on the SASKATOON DIRECTORY of experts!
Flooring & Health Concerns
If your family has health concerns such as a predisposition to allergies or asthma, you may want to factor this in to your decision about new flooring.
In order to minimize the amount of dust on your floor, consider which kind of floors will be the easiest for you to keep clean. This could include choosing the right colour and flooring type. For instance, dark coloured flooring shows the dust better than light or speckled styles. If you can see the dust then it will be easier to stay on top of cleaning it daily.
There are mixed reviews about carpet, but this is mainly due to regular cleaning. Yes, dust gets onto carpet the same as other types of floors, however sometimes it is harder to see, and we may tend to vacuum less than we sweep or mop. Old carpets which have not been deep-cleaned for a long time may contain mites or mold and sometimes it is best to entirely replace these areas of your home with new flooring if necessary.
Come in to End Of The Roll and talk to us about your considerations. We are here to help and, with top suppliers, brand names and "prices that will floor you," together we can minimize the floor related health concerns in your home.
We also carry cleaning products, so be sure to check out our display in-store!
Find End Of The Roll online at www.endoftheroll.com or visit their large show room at 74 33rd Street East Saskatoon, or check out their listing in the SASKATOON FLOORING Category on www.trustedsaskatoon.com . END OF THE ROLL are your SASKATOON FLOORING EXPERTS right here in ...on THE SASKATOON DIRECTORY of excellence!
Stay Trusted my friends..SAFE AND TRUSTED SASKATOON Of course!
They are your Trusted SASKATOON APPLIANCE Experts..a great demo!!!! ENJOY!!
TRUSTED SASKATOON APPLIANCE EXPERTS a here under the SASKATOON APPLIANCES category
Sara Wheelwright the Trusted Online Directories Founder was recently Interviewed on a Local Regina stations ( Access Channel 7 ) Popular daytime magazine show " Talk of the Town " by the wonderful host Roger Currie.
Roger found out about www.trustedregina.com on the ' Social Media Grapevine' ( Linkedin) and contacted Sara to ask for an interview..she gladly agreed..and enjoyed chatting with Roger about where the idea for Trusted came from ...whats involved with being TRUSTED...and whats the plans for this new and dynamic business that workd for the public and is trying to change the way businesses operate by promoting the ones out there that are doing it WELL!
Stay Trusted my friends..SAFE and TRUSTED SASKATOON!
Internet and Website Marketing affects your business success
As more businesses begin to realize the importance of having a website, and not just a basic website - I mean a website that is powered by an Internet Marketing strategy designed to increase their Online Presence, the Internet real estate will become more competitive and the margin of quality results will require more work to maintain.
Since starting Trio Web Design in Saskatoon, our main drivers have been to educate and implement foundational Internet Marketing practices through the development of our custom designed websites. At our inception, the term Online Presence was a foriegn term for many businesses, but today the majority of business owners are feeling the "heat" of either their lack of..or...their ineffective Internet Marketing Strategies (Online Presence).
With this ever growing rush to the Internet and maddash for priority in organic search results, one major "reality" has been forgotten and that is - sustainable, effective, and measurable success takes time, effort, and money. Business owners that desire to obtain a high priority in organic search results need to have a "full-buy-in" mentality when it comes to developing and maintaining their Online Presence.
Unfortunately, the Internet isn't a win-win environment. It is no longer as easy as simply putting up a basic website and magically your website has the best priority in the local organic search results. Search Engines are continually sifting through websites to determine their relevance and monitor the consistency of new content rich updates. I came across a great article titled: 4 Major Internet Marketing Game Changers for 2012 by Steve Toth. The article highlights some of the important Internet success factors behind developing an Online Presence.
Internet and Website Marketing are two areas that cannot be overlooked when deciding whether or not a website should be created for your business, or whether or not your current website needs a redesign. If you are considering either option contact us and we would be happy to help you develop an Online Presence that will grow as your business continues to grow.
You can find Trusted Marketing Services Online at www.trustedmarketingservices.com or you can simply check out their Listing Here under COMPUTERS & WEBSITE DESIGN. SASKATOON WEBSITE DESIGN EXPERTS on the SASKATOON DIRECTORY of Trusted Experts!
Stay Trusted my friends..SAFE & TRUSTED SASKATOON