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If you’re in the market for a home owner policy, but are having a difficult time choosing a home owner company among the many that have given you quotes, you’re going to need to

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Manufacturing activity hits 26-year low
New research shows the nation&rsquo;s manufacturing activity fell in November to a 26-year low. <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=4YlMu5"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=4YlMu5" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=ySlfO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=ySlfO" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=8Nsbo"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=8Nsbo" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=vJtzo"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=vJtzo" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=RcBZO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=RcBZO" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471729175" height="1" width="1"/>
Experts: Langford's indictment will hurt economic development
Birmingham Mayor Larry Langford&rsquo;s indictment on federal bribery charges could hamper the city&rsquo;s economic development opportunities, industry experts say. <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=PAd9Cq"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=PAd9Cq" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=cnSSO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=cnSSO" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=SYkao"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=SYkao" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=nNTGo"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=nNTGo" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=dpFQO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=dpFQO" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471729176" height="1" width="1"/>
It's official: U.S. in recession
The U.S. economy has been in a recession for all of 2008, the National Bureau of Economic Research said Monday. <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=z04GlW"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=z04GlW" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=kyobO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=kyobO" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=GiwDo"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=GiwDo" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=ASzFo"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=ASzFo" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=uA7QO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=uA7QO" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471638285" height="1" width="1"/>
Retailers score on Black Friday
A leading retail association reported more than 172 million shoppers hit stores nationwide this weekend, spending an estimated $41 billion and causing retailers to breath a sigh of relief. <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=6yyCwB"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=6yyCwB" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=cmkpO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=cmkpO" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=dIN1o"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=dIN1o" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=ivuuo"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=ivuuo" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=S2sGO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=S2sGO" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471638287" height="1" width="1"/>
Langford arrested on federal charges
Birmingham Mayor Larry Langford was arrested Monday on federal charges after several months of FBI investigations. <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=4npjWF"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=4npjWF" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=xDUpO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=xDUpO" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=tBcuo"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=tBcuo" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=Gleoo"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=Gleoo" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=XrAuO"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=XrAuO" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471428661" height="1" width="1"/>
Alamerica turns down fed bailout money
Birmingham&rsquo;s Alamerica Bank is the latest local financial institution to say no to the Troubled Assets Relief Program offered by the federal government. <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=vaK8s5"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=vaK8s5" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=VWGiN"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=VWGiN" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=rvRHn"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=rvRHn" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=kLiCn"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=kLiCn" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=YBoYN"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=YBoYN" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/466572026" height="1" width="1"/>
Hare Wynn Foundation connects troops with local families
The foundation of a local law firm said it will provide free video conference service to link troops in Iraq and Kuwait with family and friends in the Birmingham area. <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=Fh0Ela"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=Fh0Ela" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=GuH8N"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=GuH8N" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=Vt2jn"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=Vt2jn" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=Ku9tn"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=Ku9tn" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=W3ZJN"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=W3ZJN" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/466549626" height="1" width="1"/>
Chamber announces Entrepreneur of the Year finalists
The Birmingham Regional Chamber of Commerce recently announced the finalists for its Entrepreneur of the Year Award. <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=VFeBrN"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=VFeBrN" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=6km7N"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=6km7N" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=Ehj2n"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=Ehj2n" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=hX33n"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=hX33n" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=fV7KN"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=fV7KN" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/466407524" height="1" width="1"/>
BioCryst named 29th fastest growing tech firm
BioCryst Pharmaceuticals Inc. ranked 29th on a list of North America&rsquo;s 500 fastest growing technology, media, telecommunications and life sciences companies. <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=yGCuVd"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=yGCuVd" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=KnKoN"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=KnKoN" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=2ZUGn"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=2ZUGn" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=MvJXn"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=MvJXn" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=vHVuN"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=vHVuN" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/466346884" height="1" width="1"/>
RBC Bank swings to $103M loss
RBC Bank swung to a loss in the third quarter as the bank faced a worsening loan portfolio and losses from securities. (RY) <p><a href="http://feeds.bizjournals.com/~a/bizj_birmingham?a=N04k6h"><img src="http://feeds.bizjournals.com/~a/bizj_birmingham?i=N04k6h" border="0"></img></a></p><div class="feedflare"> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=BIYkN"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=BIYkN" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=35e2n"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=35e2n" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=ZGdpn"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=ZGdpn" border="0"></img></a> <a href="http://feeds.bizjournals.com/~f/bizj_birmingham?a=kpYhN"><img src="http://feeds.bizjournals.com/~f/bizj_birmingham?i=kpYhN" border="0"></img></a> </div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/466329044" height="1" width="1"/>


set aside some time to thoroughly compare home owner quotes you’ve been offered thus far.

Regardless of how you’ve found the home owner companies from which you’re considering purchasing your home owner policy (in person or on the Internet), make sure the home owner company has asked for an inventory of your home. Home owner companies want to know exactly what it is they’re before they offer a quote. If you accept a quote and purchase a home owner policy from a company that doesn’t know what it’s insuring, you may find yourself high and dry if you ever need your home owner policy, i.e., your home catches fire or is burglarized.

Going along with the above, always read the fine print. After you’ve been offered a home owner quote, find out exactly what is covered, what isn’t, and what you may need to purchase additional coverage for. Some home owner companies may not cover everything in your home; some may. A deciding factor for you will be whether or not you’re willing to move your valuable to another location (safety deposit box in a bank), or purchase additional coverage. You may be offered a cheaper home owner quote if you decide to relocate your expensive valuables, or if you purchase additional coverage; however, you must take into account the extra cost of storing your things elsewhere, or the additional coverage.

In the end, always talk with a live person. Ask questions about what you don’t understand. If you don’t feel comfortable with the answers or with any of the home owner quotes you’ve been offered thus far – don’t settle. Keep looking.

Article Source: Articles Beyond Better

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