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In this weeks Conarchys Corner (length: 8 minutes) Ed Conarchy wants to know if you felt the shake, rattle and roll of the 3.8 magnitude earthquake in Northern Illinois at 3:59am Wednesday. Its a good time then to remind you that your standard homeowners insurance policy does not protect you from many things, including earthquakes. Ed will show you the complete list of things not covered. Also, Ed has uncovered a PBS special video that chronicles insurance companies failure to be there when consumers have had disasters and needed them the most. Finally, did you hear what happened to Senator Trent Lott when his home was destroyed by Hurricane Katrina? Ed shares all of this with you in this weeks Conarchys Corner. NAIC – What Isnt Covered By Your Homeowners Insurance? www.naic.org PBS NOW Video Home Insurance 9-1-1 www.pbs.org

Just imagine that once due to natural calamity your home got damaged very badly and when you went to the insurance company for recovering repairing cost of your home then you found that your cheap home insurance policy do not extend cover for this damage done to your home. Now you must have understood that how important it is to pay heed first to the cover given with the cheap home insurance policy.

With cheap home insurance cover the protection is given to your home against any damage and destruction done on account of fire, flood, earthquake, hurricane and any man made disaster like riots, theft, malicious acts and vandalism. Home insurance cover at cheap rate gives cover to your building structure including its walls, fences, and fixed glass and windows in the home and sanitary ware etc. Your home insurance cover may also extend to the contents of your home depending upon the premium paid by you for your home insurance policy.

Before making any commitment towards the buying of any cheap home insurance policy you should also look for the cover against escape of water or oil from any fixed water or heating installation or domestic appliance and damage caused by falling tree. The home insurance cover at cheap rate also depends upon the safety measures installed by you in your home. If you have installed complete safety measures so that in case of any emergency you could save your home and contents from getting damaged then you can avail full cover with cheap home insurance. Safety measures such as fire alarms, burglar alarms, and dead-bolt lock can reduce your cost of home insurance up to a considerable amount. Another way to get home insurance cover at cheap rate is to raise your deductibles. The higher your deductible the more money you can save on your home insurance policy.

While you go to buy for any policy of home insurance, it is better to accomplish this task through internet. Nowadays internet is the fastest mode of getting information about anything you wish to know. In searching through internet you will get quote for different policies of cheap home insurance with different cover. Hence you should be very attentive when you select for any policy on the internet. Then depending upon the cover given with the cheap home insurance you can buy the policy which suits you and is also affordable and cost saving to you.

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The latest ad for HBF Home Insurance in Perth, Western Australia (August 2009)