Posts Tagged ‘advice’

Does My Insurance Cover Pets In An Accident?

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Gary Mix, Wedding Photography.
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If my pet is hurt in a car accident, will her injuries be covered? Will my auto insurance cover the injuries? What if the other driver is at fault, will their car insurance cover her?

When you get into a car wreck and if the other driver is at fault in the wreck – they caused it or are somehow responsible for it – then their property liability insurance should cover any damage to any of your property, including pets that are riding along with you. If the other drivers liability and property damage coverage is high enough to cover all of your damages, it will also cover your pets injuries and the medical expenses that follow.

When pets are injured in a car accident, they are covered under property insurance for their medical expenses. When you are injured in a car accident, you are covered under personal or bodily injury liability coverage. These are different coverages because pets are considered your property, not a part of your person.

In some cases, the cost of the damage to your car and to your property will be so high that the other drivers property liability coverage will not extend to include your pets injuries because it will be maxed out dealing with your other property damage. In this case, you are pretty much left without any other options. Their insurance is not responsible to extend past liability limits and your insurance will most likely not cover pet damages.

When you are in a car accident if you are the driver at fault then your property liability coverage does not cover your own damages property – it is for the other car involved. When your pet is injured in an accident of your own causing you can try filling an insurance claim under your broad collision coverage, but more likely than not, your pet will not be covered. There is only one insurance company that offers separate pet insurance as a part of their auto insurance packages.

Most car insurance companies would not cover your pet in any way if you were the at-fault driver. For your own injuries, you can use medical payments or personal injury protection, but these medical coverages don’t extend to animals.

However, one company automatically includes in their collision coverage benefits pet injury coverage of up to $1,000. There is no extra charge for this pet coverage, and you can use collision coverage regardless of fault in an auto accident.

Pet coverage with this company includes coverage for cats and for dogs but not for any other animals. If you have an exotic pet you will want to get special pet insurance that is unrelated to your auto insurance to help you with general expenses and other damages that may occur to your pet.

Want to find out more about Texas auto insurance, then visit Al Boenker Insurance’s site for how to choose the best Texas insurance for your needs.

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Are House And Land Packages The Better Choice For You?

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Gary Mix, Wedding Photography.
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Some people are shocked at the variety of house and land packages available to them. Notwithstanding, you must determine the area you’d like to live in before getting into the details of the house. It would be a bad decision to build your home in a place you would not enjoy with it too far from all the things you love to do. The enjoyment of living your dreams would simply vanish in the breeze.

Also, you have to consider the house and land packages perth being offered by various developers. Developers put together package deals for buyers to choose from. For one thing, they have already had plans drawn up for homes with room sizes and everything else all laid out and designed. They will show you a number of different plans to which you can add some of your own touches.

Because most people are inexperienced in home design, this offers a great way for you to choose a new home. You are simply leaving all the complicated details of building your new home up to someone more experienced than you. You will be saving a lot of your precious time, a great deal of stress, and much worry. There are even times that you may be able to choose a home that has already been built to move in more quickly.

The beauty of a ready-built developer’s package is that you get to move beyond the distress of deciding on home design and move right in. Just take a tour of a number of home and then decide on the one you prefer. Once this important decision has been made, just give the developer a security deposit and a promise to pay the rest. Another option would be to write a check for the full price of the home if you have the funds in place.

Then there is the option to put a deposit down on a home to be built. In most cases, you will be allowed to tour some display, or model homes to help you decide which style is the best fit for your needs. By taking a look at a number of homes, you will get a better idea of which home is right for you rather than relying on house plans shown to you by the builder. You will get a better idea of room size and flow.

With house and land packages melbourne you will be in your home much quicker than having a home built especially for you. This is possible because all the hard work has been completed by the developer. Along with that, your developer has already built relationships with contractors and subcontractor and are much more capable than you at coordinating these services.

For more info on Hotondo Homes, Visit

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New Home Builders: Get What You Want

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Gary Mix, Wedding Photography.
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When it comes to home living, you have lived in just about every type of home known to man.You have lived in the dorm, an apartment, a townhouse and even a duplex.Although most of these accommodations have been nice, they had already been lived in by someone other than yourself.They did not have that home feeling.Also, since they were not yours, you could not make any major home renovations.

But, that is all going to change.You have finally decided to move into your own home.You want comfort, beauty and brand spanking new.You have decided upon the style.You have also picked out the neighborhood.However, the one thing that you are stumped about concerns the home builder.You do not know how to choose one.This is your first home.Most importantly, you want a home build from scratch.

But, do not worry.Choosing a competent home builder is pretty easy to do.Choose new home builders that are skilled and have the qualifications.However, there are other things that you might want to take into consideration as well.These are a couple of them:

Is he willing to work with you?Locate a home builder that will not give you any hassles about building what you want in a home.You want a home that has what you want and not what he is trying to give to customers.Is the home builder willing to customize your home according to your tastes?Many times builders are willing to build homes based upon what the homeowner wants.Select the kitchen countertop colors.Pick the right color for the carpet.You might want to get something other than carpet.You would prefer hardwood instead.Do not settle for what the builder wants you to have.Besides, you will pay the mortgage.Get a builder that will allow you to customize your home.

Are you living the green life?Many new home builders have designs that are environmentally friendly.Does the home builder offer energy efficient homes?Check into other homes that he has built in the past. Were they built with materials that are bio-degradable? If you are a person who is committed to living a green lifestyle, these are the types of things that are very important to you?Let your home reflect your lifestyle choice.

Are you and your home builder on the same page when it comes to home style?Do you like his other homes?If you like traditional, find a builder who does traditonal.Do not settle for a homebuilder who only builds homes with a contemporary slant.

Get the home that you have always envisioned.Pick the right home builder and get your dream home.

Click here for more info on Hotondo Homes Or visit their website at:

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Benefitting From House And Land Packages

Approved by:
Gary Mix, Wedding Photography.
Link Exchange Directory

It is not only intimidating, but challenging as well as overwhelming trying to build your first home. The challenges are finding the right vacant property to suit your budget as well as choosing the house plan with the style and appeal you are after to fit on that lot. On top of all that, you still have to locate a builder and subcontractors who can work on your project.

Each task takes a toll while trying your patience, and that is even for a dedicated person. You have to make well informed decisions so that you can preserve your time and resources while preventing the stress from taking over. This may be the time to consider house and land packages melbourne.

A lot of people are finding that house and land packages provide the right option to make the process of building a home easier. This might provide the best option for putting everything together to build a nice home.

Just like the name implies, house and land packages brisbane provide both the lot and the construction of the house all in one neat little package. That makes it so much easier for home buyers to determine the appropriate size lot as well as the design features of the home they wish to buy.

You get more than convenience when you purchase a new home with a package deal. Nevertheless, there may be some limitations in terms of choices when you elect to use a builder who is offering package deals. One thing you will notice is some cases is that your builder may have a portfolio of house plans they work with. You are then given the option of choosing between these styles.

While it is true that you are limited to choices made by the builder, there is no reason to be concerned that the house will not fit on the lot. Your builder will guide you during your decision making process to ensure that you choose accordingly. In addition to that, they will build your home according to local building codes.

You will also enjoy your home more quickly because when you choose a package it is completed more rapidly. When you choose a builders package, you home is normally completed in much less time. An added perk for those trying to decide if they want a contractor to have this much control over their choices is that you normally get to choose a lot of the details going into the home.

Some of those details might be finishes like paint colors, trim, appliance choices, and a variety of other details to put your own style choices into your home. With all of that, you still have the opportunity to build the home of your dreams without all the distress of construction.

Learn more about Hotondo Homes by visiting

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Buy Land And Build Your Dream Home

Approved by:
Gary Mix, Wedding Photography.
Link Exchange Directory

Are you looking at new houses? If your current home is too small, too old, or in a bad neighborhood, maybe you should consider building a new home instead of buying another older home. That way, you can be sure your home will have all the features you want making it a true dream home.

When you are ready to build your new home, be sure to look at some of the great house and land packages melbourne available.

These packages pair ideal house plans to the shape of the lot so you won’t have any wasted yard space or awkward placement. Plus, many times the package deals are available in planned communities and that means your neighbor’s will have homes in similar price ranges and styles. This will help your home hold onto its value longer.

When you get to design your home according to your desires, there are several factors to think about. Not only will you consider your present needs, you must plan for the future as well. For instance, are you just starting to grow your family? Are your children grown and out of the house? A good builder will help you consider all the possibilities and the pros and cons of each design based upon your individual circumstances.

It is a fun experience to watch your home come to life as it is being built. It takes a lot of thought to choose the best options and upgrades, but if you decide to buy an older home, you will miss out on the whole experience of creating one yourself. Plus when you design a home and plan its every feature, it will truly feel like it belongs to you when it is completed.

There are advantages and disadvantages to building a home vs. buying one. The main disadvantage to building a home is the length of time it takes before you can move in. If you need a new home within a few months, building is out of the question unless you live in temporary housing while your dream home is being built. Also, if you don’t plan to live in a location for very long, it doesn’t make sense to build. When you are ready to put down roots and stay in one location for a long time, then building a home is definitely something to think about.

When you run the numbers and look at the cost comparison, you may be surprised to learn it doesn’t cost any more to build a home than it does to buy a comparable model. But the good thing about building is that you can control costs in a lot of ways. For instance, you can choose economy fixtures, appliances and countertops instead of ordering luxury accessories. A good builder will help you look at your options and get the best house your budget can afford.

Selecting the piece of land for your new home is important too. Your yard is an important living space where your kids will play and where you will gather with friends and family. Your individual lifestyle will help you determine the best lot for your home. You may want a place on a lake or a home near a school. There are so many decisions to make it helps to find a reputable builder to offer advice and guidance along the way.

Click here for more info on Hotondo Pty Ltd Or visit their website at:

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