Health Insurance and Healthy Living in Ohio
Ohio has slipped a bit in the ranking of the health of its residents. In 2007 Ohio was the 29th healthiest state in which to live, but it fell slightly from 2006 when it was the 24th healthiest state. Based on 20 different criteria, Ohio made it to the top ten only in one category. Ohio is 8th in the nation for the percentage of citizens that are covered by health insurance.
Other areas where Ohio shines include a high percentage of women receiving prenatal care, a solid high school graduation rate, a significant decrease in the rate of infectious disease, and a drop in the death rate from cardiovascular disease.
All these great strides and still a fall in the overall rankings, means Ohio still struggles in some areas. Ohio ranks 43rd for cancer deaths, 43rd for obesity, 41st for infant mortality rates, and 40th in the nation for preventable hospitalizations.
Weight gain is an epidemic nationwide with Ohio at the forefront. In 1990 the obesity rate was 11% amongst Ohio residents. By 2000 the obesity rate had almost doubled to over 20% of Ohio’s population. The current number of obese Ohio citizens is over 28 percent. Read the rest of this entry »
Factory Insurance: At a Glance
In today’s growing risky market place, several forms of commercial insurance have been developed that offer valuable protection to a business entity which is directly indulged in manufacturing or industrial products in a factory, plant or workshop environment.
Insurance for Manufacturers and Factory Property Factory insurance is indispensable for any factory owner or a company that involved in direct manufacturing of goods. It covers each and every aspect of production or industrial production going within a manufacturing processing area. The features of factory insurance can save from damages caused by fire, lightning, explosion of gas and boilers used for domestic purposes. It also extends to the special circumstances such as explosion, riot, malicious damage, storm, flood, impact by aircraft, road and rail vehicles, escape of water from tanks or pipes and sprinkler leakage. Read the rest of this entry »
FSA to Regulate All Sales of Travel Insurance
From January 1, 2009 some major changes will take place in the way Travel Insurance is sold. Companies which are solely in business to sell travel insurance (known as stand-alone companies) have been regulated by the Financial Services Authority (FSA) since 2005 and will not be affected.
The change will hit the companies that have been selling travel insurance as an element of a holiday package, such as travel agents, tour operators, coach companies, and airlines. Although these travel companies may already be regulated as far as selling their other travel products, there has been a double standard regarding the sale of travel insurance. In other words, the stand-alone companies have been required to be FSA regulated in order to sell travel insurance, while those selling travel insurance as part of a travel package have not. Non-regulated travel insurance has also been widely available at retail stores, supermarkets, chemists and through the Post Office. It has also been offered alongside other insurance products such as house insurance or when opening a bank account, or as part of an employee benefit package. Read the rest of this entry »
Do You Need Mortgage Payoff Insurance?
The world of insurance is a complicated one. It sometimes seems impossible to know when a policy is a wise investment or a total rip-off. When it comes to insuring a mortgage with a mortgage payoff policy it gets very complicated because there are so many different policies around.
Is it better to buy an insurance policy from a lender or from an insurance company? Should you have an accidental death policy? Or would a decreasing term insurance be best? This article will examine the two most popular types of mortgage payoff policies and shine some light on the subject of taking out an insurance policy that will pay off your mortgage in the case of a tragic event. Read the rest of this entry »
5 Home Insurance Discounts You May Not Know About- The Mystery Unveiled
“What are home insurance discounts and how can I get them?” Insurance discounts seem to be shrouded in mystery- oftentimes homeowners don’t even know about them until they find out that they qualify. Home insurance discounts are credits given to a homeowner that may actually lower their rate because their home is safer, or less prone to accidents and damage.
Here at homeinsurance.com, we believe you should know how to make your home safer and less prone to damage. So we are going to spill the beans- give you tips to make your home safer, and possibly even help you save even more money on your home insurance.
1. Lump it Together- Multi-policy discounts are an EASY way to reduce home insurance costs. (At homeinsurance.com you can save up to 15%!) Ask your home insurance agent about combining your auto and home insurance and see what type of rate you can get.
2. Drop the Habit- Cigarette smokers pay a higher home insurance premium because their bad habit has the potential to start a house fire. According to the U.S. Fire Administration, about 1,000 smokers and non-smokers are killed each year in home fires caused by cigarettes. With the hundreds of other reasons you should quit- add saving money on your home insurance to the list.
3. Update! If you live in an older home, think about updating the electrical, plumbing, heating and/or roof. The cost of preventative maintenance is always lower than the cost of increased home insurance premiums after a house fire or flood from a burst pipe. Home Insurance companies smile upon updated mechanical systems as they are safer, and make your home less prone to damage.
4. Alarms- Install a security alarm system. Home Insurance companies like to know that your home is protected from burglary and you may qualify for a lower premium because of this upgrade.
5. Another way to save money by making your home safer? Of course, in the case of serious damage to your home or an accident on your property- you should file a claim because that’s what your policy is there for! However, be mindful of filing claims for smaller problems. Paying the repairs out-of-pocket might be less expensive than a potential increase in premium. Also, many home insurance companies offer a No Claim discount for homeowners who have never filed a home insurance claim. Preventative maintenance can really pay off!
For more information Read our full article on How to Save Money on Your Home Insurance.
Actual Article: See Home Insurance Blog
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