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Finding Better Insurance Plans

After I switched jobs, I knew I would probably be faced with choosing a new insurance policy. I was nervous about the transition, but I knew it had to be better than the plan I had been using at my old job. I started going through the options with the human resources person, and it took me a long time to understand the different options. After a thorough evaluation, I opted for a health savings account, which let me keep a large percentage of what I would normally be paying in premiums every single month. Check out this blog for more information about health insurance plans.

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Lawn Decorations For The Holidays – Tips To Avoiding Financial Losses

Do you love to go all out and decorate for all of the holidays throughout the year? How much would you say that you've spent over the last five years buying holiday decorations? Below, you'll find a few tips to help you protect your investment so you can continue to enjoy each and every holiday this year and many years into the future.

Do you have homeowners insurance?

If you have homeowners insurance, some, if not all of your holiday decorations should be covered. You must be aware that there may be limits on your policy that caps the amount that the insurance company will pay out to replace the decorations.

If your decorations are worth more than what the policy permits, you can add additional coverage at a cost. How much of a cost will depend on how much of an increase in protection you'll want.

Please note that if you file a claim with your insurance company to cover the loss of your decorations, you could see an increase in your rates and you'll be responsible for paying the deductible. Before you file the claim, you should consider the overall cost of filing the claim – your agent will be able to help you determine what the best course of action to take is for your particular situation.

Are the decorations secure?

The harder it is for a thief to swipe your decorations, the less likely they will be to disappear.

Keep your decorations as far away from the street as possible. Thieves are looking for easy money – if you have the decorations set up along the street, they'll be able to quickly grab what they want and slip back into their car without anyone even knowing they've been there.

Install some very visible cameras on the property and place a sign in front stating that the property is under surveillance.

Motion lights will also help to deter thieves. Motion lights are super easy to install these days because they come solar powered. You won't need to run any wires to set them up and you'll be able to place them anywhere. The second that light pops on, that thief will hit the streets running.

Don't let the bad nature of others take the joy of decorating for the holidays away from you. Just be wise in how you set it all up and make sure that you have the coverage that will be needed to replace it all if something should happen. Contact an agency, like Cypress  Insurance, for more help.