House Insurance Comparison

Posts Tagged ‘Occurrences’

The field of real estate is surrounded by a number of stories. Some of them relate to buying or selling process, some describe the work of real estate agents etc. Everybody who has ever dealt with real estate has something to tell you. However, a number of these stories are quite negative. This explains why many people are afraid to get involved in the real estate affairs. Luckily, the majority of the stories are nothing but myths. Here are the most widely spread myths about real estate agents.

It is said that real estate agents are constantly late. If somebody had this experience with his agent, that does not mean that all of them are the same. Mostly the agents respect your time and will do nothing to waste it. However, if you notice that the agent you are working with is always late, you should hire another professional.

Some buyers expect that agents will show different real estates on demand only. Of course, if you have signed a contract with the agent, he will definitely show you all the properties you want to view and offer his variants that match your requirements. However, do not expect the agent to organize viewings of different homes free of charge.

Some people say that lenders, title companies and inspectors give kickbacks to the agents. That is not true as it is simply against the Law. There is a special act that confirms this. The majority of agents will not jeopardize their license for some extra profit.

Do not think that if your real estate agent recommends a certain home inspector you will get an incorrect report. There have been some occurrences when the inspector ‘helped the agent out’. However, as a rule the inspector would not approve the home which does not meet the standards. Moreover, agents would not want that as well. They cherish their clients and do their best for them. Besides, such actions are clearly illegal and the agents know that they may get sued for it. Their previous experience shows that revealing all details to buyers is the best way of handling the customers.

A lot of people believe that agent should tell everything about the property and neighborhood they are going to buy real estate in. That is not so. There are Federal Fair Housing laws which prescribe the agents not to discuss certain details like issues that can be discriminatory. A professional real estate agent will never reveal ethnic make-up information even if you want to obtain it for good reasons. He will not disclose information about crime rates and school statistics. However, if the agent sees that certain information is vital for you, he can tell you where you can obtain it.

If you are interested in learning more about Evergreen homes for sale, then you should be here – on the Evergreen CO real estate web site. This is a very detailed and helpful web resource with all types of information about Evergreen homes for sale.

And don’t stop here, on one site, no matter how good this site is – we live in the world where information makes life easier.

What is the zip code of the property? Is this home a new purchase? (purchased in the last 30 days or not yet purchased) Yes No Are you currently insured, or have you been insured in the last 30 days? Yes No

Due to this if you are properly armed with the information in your sphere of interest you can rest assured that you will always find the solution to any bad situation. So, please make sure to track this site on a regular basis or – best of all – sign up to its RSS feed. In such an easy way you will have a direct shortcut to the freshest info updates here. Blogging can be helpful, you just need to know how to use the info from these blogs for your own personal advantage.

As usual insurance companies offer covers which are relevant to the area of operation of the mode of their insurance policy plan. Insurance is a service which is provided by any insurance company. This company is called insurer. Any person purchasing some insurance policy is called insured. The rate of premium (amount of money an insured must pay per month) depends upon the number of objects which are covered and their value. First the value of the items mentioned and their location is considered, then the insured’s property is proceeded to insure. You are always to state the true value of your property to make sure that the right policy is taken. Companies are also interested in correct stating your values prices as they are choosing the relevant premium.
The clients’ property is guaranteed to be covered only after agreement between the company and the policyholder. In this case the policyholder’s property will be covered of the damage depending on the insurance cover taken by him. According to the most popular home insurances some policies cover only certain types of occurrences and do not cover others. If you want some extra risks to be added into your insurance policy, you must conclude another treaty with company offering this policy. In addition, your month premium will rise up. For example, you may include there some natural disasters such as hurricanes, wild fires, floods and so on and so forth. Usually these types of calamities are not included in ordinary insuring policy, but you may ask to cover them due to extra policy.
If you want to activate and to maintain the insurance cover, you are to guarantee the payment of the monthly premiums. The premium is higher, if the item under insurance is very expensive. You should keep it in your mind when choose the insurance plan. Month premiums vary from company to company as well as the policy of cover.
It’s difficult to overestimate the importance of home insurance. In general it gives any houseowner the peace of mind and confidence that in the case of some calamities (nature disasters or other accidents), his property is safe and protected. He is sure to be paid claims to restore his home, if he needs.
The cover is various due to the types of items covered and its duration. So, you may pay your premiums monthly, yearly or annually. You may take a building cover which covers only the house’s building, or the content cover which includes your possessions inside the house. Some insurance companies also provide their client with policies which cover even people living in it, pets and sometimes guests who are present in your house at given time. So, the choice of policies is rather great, make it!

Nowadays we are living in the world where info makes life easier. That is why if you really need to find great home insurance quotes, then do a great search in the Internet. Yes, you will have to invest time into this home insurance search saga, but as a result of this time investment – you will get the best offer.

Due to this if you are properly armed with the info in your sphere of interest you can rest assured that you will in any case find the solution to any bad situation. So, please make sure to track this blog on a regular basis or – the easiest way to take care of it – sign up to its RSS feed. Thus you will have your hand on the pulse of the freshest informational updates here. Blogging can be helpful, you just need to understand how to use the informational freedom for the sake of finding the best info in the area of compare home insurance quotes.

There is no doubt that home insurance is very important for any home. Many people consider their home to be secure, but some disasters and unavoidable occurrences may render them homeless. Usually people, who lost their homes in flood or fire, never expected such a disaster to occur. If you want to be confident of you future, it is very important to have your home insured.
This article will give you a possibility to evaluate various insuring plans and choose the best company with the highest claim value and the lowest premiums. Usually some insurance agents are applying some pressure to make you choosing the most profitable for them insuring plant. Be very attentive; never take the insurance premium you won’t afford to pay. It is important to state your house true value before you apply for any home insurance. This proves that the amount you are going to pay is fair and your house is worth paying it.
Even if you are taking some insuring policy in is advisable time to time to compare the insurance trends and to review the policies which are provided with different insurance companies. This will help you to reduce your insurance premiums. For example, if you install the security alarm in your house (a smoke alarm or a burglar alarm), your insurance company has to reduce your annual premiums. That’s because of your home’s becoming safer. Another reason of importance of comparing the home insurance policies is the world’s inflation. In other words, your premiums may change due to the changes of money value in general. At the same time your claim payment may change too. If you are not aware of modern market tendencies, you are an easy bird to catch. They are most likely will trick you to accept some lower claim citing.
When you are applying for a home insurance plan, make sure that all the necessary risks that your house is exposed to, are included in you insurance plan. Those risks which are not important for you may not be insured at all, if you don’t want to. For example you may not want to insure your swimming pool. If you do like to insure it, your premium will raise up to almost ten percents. Besides, they are usually shifting the ground around the house. So, it won’t influence your claim payment at all. Boreholes or closeness to a large water body like an ocean or a waterfall are the compounds of other risks. The problem is that insurance companies’ policies cover only unforeseen accidents (like in the case of car insuring). People living in dangerous areas have to pay much higher premiums than others.
In other words, choosing a moat relevant home insurance is not an easy task. But it is worth doing to make your home safe and secure.

Today we are living in the world where knowledge makes life easier. That is why if you really need to find great home insurance quotes, then do a great search in the Internet. Yes, you will have to invest time into this home insurance search saga, but as a result of this time investment – you will get the best offer.

Due to this if you are properly armed with the information in your topic you can be sure that you will in any case find the solution to any bad situation. So, please make sure to track this blog on a regular basis or – an ideal solution for you – sign up to its RSS. Thus you will have a direct shortcut to the latest info updates here. Blogs can be helpful, you just need to understand how to use the informational freedom for the sake of finding the best info in the area of compare home insurance.

The recent downfall of the real estate market made everybody overcautious. People treat each aspect of real estate transactions more accurately than ever. Every step is double checked, every action is rechecked. Due to this, home appraisers have recently witnessed very hard times. This was caused by the imprecise reports they provided on real estate which partially caused this downfall. There were also cases when the true value of real estate properties was assessed mistakenly due to their work.

To avoid such occurrences in future large lenders are imposing stricter regulations on the work of home appraisers. If before it was possible to manipulate the appraisers so they increased the value of the property for the sake of lenders, this cannot happen anymore. The appraisers cannot be pressured into value misrepresentation any more. Consequently, this does not lead to misjudged and inflated real estate prices. There have always been special regulatory systems to fight such drawbacks; however, it seems that they were not functioning properly of late. But times have changed. Now, all this regulations are activated and made stricter in order to eliminate any chance of false appraisal ratings.

The fact that home appraisers are hired independently does not mean that their judgment is unbiased. Their reports do not always lead to estimation of the true value of the real estate. As a rule appraisers get their fee at the end of the sale. The appraiser’s payment can also be delayed if the value reported by the appraiser is essentially lower than what was agreed upon by the seller and the buyer. Thus, to get the payment on time, the appraiser might ‘adjust’ the value of the specified real estate.

The problem of inexperienced appraisers and inaccurate reports was supposed to be solved by implementing the certification process. All the appraisers should become licensed professionals before they can go about their work. Proper training should lead to accurate complete inspections of real estate, proper compilation of necessary data and effective reports. The education program for home appraisers currently include 150 hours of approved education as well as 2000 hours spend with the licensed appraiser doing the actual job. This is average requirements which differ from state to state.

Due to the fact that much indiscretion has already been made due to the appraisers’ unprofessional performance each state is now reconsidering the requirements for the licensed appraisers. Some states have already reduced their fees. This is the consequence of the public attention to the work of appraisers and their role in the crash of the real estate market. Trying to protect themselves people now resort to a couple of appraisals in order to make sure that the final report is correct and accurate.

If you are interested in finding out more about Evergreen real estate, then you should be here – on the Evergreen homes for sale web site. This is a very detailed and helpful web resource with all types of information about Evergreen homes for sale.

And don’t stop here, on one site, no matter how good this site is – we are living in the world where information quickly enhances the quality of our life.

That is why if you are properly armed with the knowledge in your topic you can be sure that you will in any case find the way out from any bad situation. So, please make sure to get back to this web site on a regular basis or – an ideal solution for you – sign up to its RSS. In such an easy way you will have a direct shortcut to the freshest info updates here. Blogging can be helpful, you just need to understand how to use the info from these blogs for your own personal advantage.

At this very place in the text I may make you laugh by saying that every year this time I traditionally write about the damages caused by fireplaces. In order not to break this tradition let me continue my topic. Every year new occurrences appear and I am sure that by this article I save many families and many lives from hazardous situations and accidents. All I do is only drawing people’s attention. My previous pieces of writing were about the events when people fell into the fireplaces and when they burned themselves because eventually they fell asleep and the small spark ignited a house. In my practice I have heard lots of stores about the situations when couches and rugs were burning and the logs rolled out of the fireplace across the floor during the process of burning. Surely, everyone does not want to be at the place of the people who from such situations. Thus, you have to be aware of all possible outcomes and dangers if you want to enjoy your own fireplace.

Interestingly, there are more contemporary reasons to make sure that you have installed and keep fireplace safety during the period of holidays and during the winter itself. In fact, there are many reasons why you must be suspicious and on the alert of the danger from your fireplaces and how to utilize this gadget. Of course, you do not want end up homeless like the heroes from my previous article. In Vancouver recently the family consisting of two children and two adults eventually find themselves without their home thanks to the great damage of $200,000 that was done to their house. The reason for this “tragedy” was the pile of newspapers that in reality lying too close to the fireplace what actually lead to the fire. Unfortunately, the local newspapers do not mention their family name. However, later the American Red Cross was reporting about this accident as solved one. The officer who every year assists in such events inspires all people keep four foot distance between the fireplace and everything that can get fired.

The same American Red Cross also told us about another fireplace fire in a family apartment in Texas. All residents were saved and the firemen determined the cause of the danger which insisted in some obstruction in the chimney. Remarkably, water and fire destroyed almost all units in the whole apartment building. Interestingly, firemen wanted to make two comments. Firstly, everyone who possesses the fireplace as property must check it before starting the fire. Secondly, you have to regularly clean it in order no to have difficulties.

Briefly, I hope that my article will make you a good turn when considering the right fireplace and when dealing with it at your own homes.

If you are searching for the web site with great info about fireplaces, pellet burning stoves and even such specific stuff as electric fireplace insert – click one of the links to see all info gathered in one place.

Plus, we are living in the world where info makes life easier. And you can find lots of tips about home improvements and use them for your real situations.

That is why if you are properly armed with the info in your sphere of interest you can rest assured that you will in any case find the way out from any bad situation. So, please make sure to track this web site on a regular basis or – best of all – sign up to its RSS. In such an easy way you will have a direct shortcut to the latest informational updates here. Blogs can be helpful, you just need to know how to use the knowledge published there.

Whether it’s upkeep or complete overhauls, all projects require letting folks into your house. How do choose who you allow in?

There are so many unacceptable tradesmen around that they have even started creating documentaries regarding them. Most individuals will have a awful tradesman story, whether it’s not turning up for the quotation, leaving the job part done, or doing such a bad job that it needed redoing. All these are familiar occurrences.

There are steps you’ll be able to take to keep away from a number of these pitfalls. Here are our top three tips for surviving building work.

1. Write down what you want before you start. You can’t be vague about construction work, you need to define what you wish and how much your budget is. Make sure that you fully talk about your needs with the builder. Listen to their recommendation about the feasibility of your plans, but don’t be bullied into changing what you want without taking enough time to think about your choices.

2. Make sure that you get the best person for each task. Once you get quotes you need to be sure who will be doing the particular work. Will it be a carpenter for the woodwork, and a plumber the plumbing, or is one person going to do it all? Review the work required and group it by tradesmen instead of by room. As an example, rather than getting the toilet completed this quarter and also the spare bedroom next quarter, review how much carpentry, painting and decorating, tiling, carpeting and plumbing is needed for both of the jobs. Maybe you’d be best investing in a carpenter and plumber currently and the decorative skills next quarter?

3. Don’t be fooled with a low cost all in quotes. There are many reasons why prices escalate when a job has started. Many of these are legitimate reasons. However, a low-cost quote could additionally mean that there had always been an aim to increase the quote later and that they were simply misquoting to obtain the business, it might conjointly signify that they have not properly assessed the work. Each of those instances would imply that you have the wrong builder.

London is an particularly tough place to seek out good tradesmen as a result of of the transient nature of the city. This is often why companies which run projects are so invaluable. The tradesmen may come and go, however these companies will stand by their guarantees and will always have tried and tested tradesmen at hand.

Employing a builder in london will also mean that they will guarantee that all the work is covered by the proper governing bodies; CORGI for gas, NICEIC for electrical, and many more for different skills.

Finding a first-class builder in london will be like finding your way through a maze. Follow established firms and you’ve got a good probability of achieving what you wish at the same time as minimizing the stress.

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If you are renting a home or an apartment it’s wise to get renters insurance. Some renters mistakenly believe {that the} property, home or apartment owner has enough insurance to hide their belongings within the event of damage or robbery. However really it is terribly possible {that the} renter will not have their valuables covered through the owner’s home or apartment renters insurance protection. Most landlords will have coverage for his or her dwelling, however not for your belongings inside.

What specifically will renters insurance cowl? Each policy can be completely different depending upon your needs. Your individual policy will take into consideration your desires and wants and can be designed for you specifically. However, most policies can cover the basics, damage or loss thanks to water harm (plumbing problems, etc.), theft, fire and different common occurrences.

The good thing to try to to is get some free renters insurance quotes online. Receiving online quotes can be quick and easy. Plus, the coverage you get now might help immeasurably when the unforeseen happens. Whether you wish apartment renters insurance or want to insure your rental home or property there are a number of prime notch insurance agents and companies online that will provide you quick free quotes. Buying renters insurance may not be as expensive as you may think. And, it will go an extended method toward saving you a bunch of cash within the event of a catastrophe.

If you’d like to purchase cheap coverage online it is a terribly easy matter of starting with some free quotes. When getting some free online quotes you’ll get with confidence from some reputable online companies. Most insurance brokers can help offer you with rates and quotes which will be low cost whereas still providing you with relief that your valuables are protected adequately.

You are doing not wish to be stuck while not renters liability insurance when your apartment floods and destroys abundant of your interior and furnishings. You also don’t want to be caught while not insurance if a fireplace or earthquake catch you by surprise. You certainly want to own high quality coverage when somebody breaks into your dwelling and steals your prized possessions. Begin feeling safer by getting some cheap insurance quotes on-line and then shopping for sensible coverage at discount costs from reputable companies.

In the event of the unforeseen, without insurance coverage you’ll lose most or all of your belongings, furniture and different personal items. This could be the cause of monetary hardship which would are prevented with a top quality renters insurance policy.

When buying renters insurance it is often a smart plan to create a list of all your belongings. On this list you ought to create note of the prices you paid for the things or their replacement cost. It is also a nice idea to use a video camera to videotape all your household items. Without a listing it’s very simple to forget what you owned or be able to prove that you actually owned specific things in the first place. Your inventory list and videotape ought to be kept during a safe place like a fireplace proof safe. If this is not possible you will wish to create two copies and store one at a relative’s house or another safe location off premises.

It is also important to grasp what your coverage includes. Searching for what you are lined for after the very fact will be an unpleasant experience. You do not wish to be place in the position of searching for that you don’t have adequate protection after all of your valuables are destroyed or stolen. So concentrate and make positive you recognize specifically what you are lined for.

If you’re renting you need insurance. Many folks think “it will not happen to me,” however it’s better to be safe than sorry. Do not get caught without a policy when the unthinkable happens. Build positive you’ll be able to get over anything that can be thrown at you. With quality protection it will be a heap easier to sleep at night. Read more other useful articles about home owner insurance rate, esure home insurance and individual health insurance providers

The homeowners insurance was created to defend the homeowners in the event of disasters that threaten their homes & possessions for example fire or theft.  Although these events are occurrences that lots of persons don’t although aspire to consider happening to them, the fact is that they do occur often throughout the country & they should be properly organized for.  Homeowner’s insurance coverage is the good track to make sure that you’re protected from unforeseen damage to your home.  If a main disaster does occur, you will be really happy that you have decided to insure your investments. 

While you pick to purchase homeowner’s insurance, an insurance coverage company will decide how lots of money will be allotted to you in your homeowner’s insurance coverage policy.  The amount would depend on the value of your home.  Oftentimes the homeowners do not know why the coverage plan amount allotted to them is fewer than the price they paid for their home upon purchase.  This is because the price you purchased your home for is based on the overall value of the home, the land, its surroundings, & a number of other things.  Your the homeowners insurance plan just covers the structure of the home itself, since the land is not considered damaged in the occasion of any damage to your home covered with the insurance coverage (please note: in the Usa homeowners insurance plan doesn’t cover earthquakes). 

There are a few requires for those who aim to achieve homeowner’s insurance.  In order to qualify for a homeowner’s insurance coverage policy, you should own the home you’re insuring and also live in it.  If you own the home & are renting it out, you would not qualify for homeowner’s insurance coverage.  If you are renting a home you will qualify for renter’s insurance but not homeowner’s insurance.  When shopping around for the accurate homeowner’s insurance policy for you, you would find that there are a number of types of homeowner’s insurance plan, depending on what you will love to cover.  Dwelling coverage covers your home and any attached dwelling areas that you do not live in, for instance your garage. 

Coverage plan for Other Structures would cover all dwellings on your property from large storage units to garages to guest homes.  Other structures could also be defined as swimming pools, hot tubs, decks, patios and other structures on your land.  Personal property coverage covers the contents of your home.  With personal property coverage not just is your home covered in your insurance coverage policy but every your possessions located within the house that can be stolen or damaged in the occasion of a disaster are covered whether well.  When you’ve a number of expensive items within your home, this’s probably a really good investment for you since you would have a number of large investments at risk in the time of a burglary, fire or other unforeseen event.  Loss of Reason coverage is vital when your home is left damaged so badly that you could no longer live in it.  In the event of a disaster that leaves you with no home to live in, this type of homeowner’s insurance coverage would allot you a particular amount of money to cover bills for hotel stays, meals at restaurants, etc.

It is clear that there are a number of choices for everyone who wishes to invest in homeowner’s insurance coverage depending on what they seek to insure and how lots of money they seek to expend on a homeowner’s insurance policy.  No matter what zone of the country you live in or how lots of you home and its contents cost, homeowner’s insurance coverage is actually a should for everybody who owns a home.  In the time of a chief disaster homeowner’s insurance plan can be your just saving grace in preventing you from losing primary amounts of money and property.  If you do own a home & don’t have homeowner’s insurance achieve in touch by an insurance plan provider as soon as reasonable to ensure the unthinkable doesn’t happen to you.  When you’ve never invested in homeowner’s insurance before, most local insurance coverage agencies will be happy to have an supplier sit down with you & walk you with the logistics of homeowner’s insurance.  It will be one investment you will surely be glad you created. Read more other FREE articles about vacant home insurance, tesco car insurance and cobra insurance

What did I know about getting a quote for buildings insurance? To be honest, not much. But then I thought I should do some research and find out all there is to know about getting a buildings insurance quote, as part of my short to medium term plan is to become a landlord. OK, so what do I need?

Well I began by typing in ‘buidings insurance quote’ into Google. No great surprises there but what I did find fascinating was the number of different providers of buildings insurance. As in all things in life, sometimes the more the choice, the more confusing the decision. So it appears with this scenario. Let’s try and simplify the buying decision somewhat. Ok, what are the key things I need to look out for when looking for a buildings insurance quote?

Well, it’s obvious that buildings insurance gives peace of mind. Here follows some step-by-step buildings insurance tips for all property owners.

Buildings insurance will give you the best security by covering any type of property damage. There are various types of buildings insurances for different areas. However there are some typical areas covered by buildings insurance . They include accidental damage coverage. It may also cover such standard perils as fire, lightning, explosion, earthquake, storm, flood and other malicious damage.

For all property owners, this policy is very essential. If you buy this policy, you will have coverage of the damages caused by fire, floods, burst pipes, mains damages and the similar occurrences. But in this case you should be aware that the policy will not include the loss connected with the contents of your property. If you have the valuable contents, then you have to go for contents insurance as well.

Contents insurance

This policy is important, if you have rented a fully furnished building. The contents insurance will cover any losses related to the contents of your building. There are two kinds of the content insurances. If you buy a limited content insurance, it will be applicable only for unfurnished or only partly furnished properties.

What did I know about landlord insurance? To be honest, not much. But then I thought I should do some research and find out all there is to know about landlord insurance, as part of my short to medium term plan is to become a landlord. OK, so what do I need?

Well I began by typing in ‘landlord insurance ‘ into Google. No great surprises there but what I did find fascinating was the number of different providers of landlord insurance. As in all things in life, sometimes the more the choice, the more confusing the decision. So it appears with this scenario. Let’s try and simplify the buying decision somewhat. Ok, what are the key things I need to look out for when buying landlord insurance?

Well, it’s obvious that landlord insurance gives the best security to all property owners, who have rented their property. Here follows some step-by-step landlord insurance tips for all new property owners.

As a new landlord, you must be aware of the safety of your property. In this case, landlord insurance will give you the best security by covering any type of property damage. There are various types of landlord insurances for different areas. However there are some typical areas covered by landlord insurance . They include the guarantee of rent, legal protection and accidental damage coverage. It may also cover such standard perils as fire, lightning, explosion, earthquake, storm, flood and other malicious damage.

If you are a new homeowner, the following discussion will help you familiarize yourself with the various kinds of the landlord insurances.

Buildings insurance

For the new property owners, this policy is very essential. If you buy this policy, you will have coverage of the damages caused by fire, floods, burst pipes, mains damages and the similar occurrences. But in this case you should be aware that the policy will not include the loss connected with the contents of your property. If you have the valuable contents, then you have to go for contents insurance as well.

Contents insurance

This policy is important, if you have rented a fully furnished building. The landlord contents insurance will cover any looses related with the contents of your building. There are two kinds of the content insurances. If you buy a limited content insurance, it will be applicable only for unfurnished or only partly furnished properties.

Loss of Rent Insurance

This is typical insurance for all new landlords. If you have this policy, it will protect you from the loss of rent. It will protect you from the financial losses if your tenants refuse to pay the rent or some other unexpected happenings cause the loss of rent.

Emergency assistance insurance

This insurance is also helpful for the new landlords. It will be specially helpful for you, if you stay away from your rented property. An emergency assistance insurance will minimize your losses by covering emergencies like failing electricity supplies and cooking facilities, plumbing problems, leaking roofs along with guttering, and damage to doors and windows. Thus, if you have a landlords emergency assistance insurance, you will enjoy a far greater peace of mind.

Legal expenses insurance

This policy will minimize your losses by covering any legal expenses associated with recovering costs legally owed by your tenants or to legally evict them or to recover amounts for deliberate or intentional damage by them. In case your tenants refuse to pay the rent and you want to take them to the court. The legal expense insurance will pay the “Legal Expenses”.

Thus, you see that the landlord insurance is a good protection for all landlords. But if you are a new landlord, then the policy is even more important for you. Inspired by an original article by Greath Owen.