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Home Management: Protect Your Homeowner’s Insurance This Winter

When you think about keeping your homeowner’s policy rates as low as possible, you think about keeping up maintenance to make sure people – those who live in the home and visitors

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alike – are less likely to get injured on your property. You make sure your valuables are locked up safely, and you buy security systems, stronger doors, locks, and windows to protect your home from theft. You even opt for a cuddly kitten rather than a large dog in order to protect visitors from attacks.

However, have you thought about keeping your homeowner’s policy rates as low as possible during the different seasons? Winter weather conditions can cause some of the most damage to your home, as well as you, your family, and your visitors, and the best way to protect your home and everyone in and around it is to practice prevention, i.e., make necessary repairs before winter strikes, and take precautionary measures after winter strikes.

To make repairs to your home before winter, start at the top. Make sure your gutters are clean, and keep them clean by purchasing gutter guards – those nifty little add-ons that prevent anything like leaves and branches from clogging up your gutters. Then take a look at the walk way and steps that lead to your home. Repair any cracks in the steps or walk way, as well as any wobbly hand rails. If your steps do not have a handrail, consider installing one. Also, take a look at the outside structure of your home. If you have any cracks, repair those as well.

Now, take a look at the inside of your home. Make sure you and your contents stay warm by making any repairs to your heating system, adding extra insulation, and repairing cracks in windows. Regularly check your fire alarm batteries, and learn to turn off water in the event that it may freeze and bust your pipes.

Article Source: Articles Beyond Better

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insurance mortgage news:

Manufacturing activity hits 26-year low
New research shows the nation’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’s indictment on federal bribery charges could hamper the city’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’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’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"/>

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Commercial debt collector: Business is up
From his office in Plano, Jerry Curtis knows the economy is taking a toll on businesses of all sizes.
Former Dallas city councilman, Jerry Bartos, dies
Jerry Bartos, a former Dallas City Council member who also served on the school board, died Friday at the age of 75, according to <em>The</em> <em>Dallas Morning News</em>.
Texas Motor Speedway to change seating
Texas Motor Speedway President Eddie Gossage on Monday announced a $2 million capital improvement project — along with a reduction in seating — at the speedway.
Fluor wins new contract near Bridgeport
Fluor Corp. has secured a contract to engineer, procure, construct and commission the Jack County Generating Facility Unit 2 near Bridgeport for Brazos Electric Power Cooperative. (FLR)
Construction firm opens Dallas office
Control Technology and Solutions, a design and construction firm specializing in creating energy-efficient buildings, has opened a new office in Dallas with Dallas native Roger Thibodeau leading the operations.
Pilgrim’s Pride files for Ch. 11
Chicken processor Pilgrim’s Pride Corp. confirmed Monday that the company has filed a voluntary petition for Chapter 11 bankruptcy protection. (PPC)
Study: online holiday shopping to grow 12%
Online holiday shopping sales are expected to grow 12% this holiday season, according to a new report from Forrester Research Inc., an independent research company.
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.
PUC sets interest rates for overbilling
The Public Utility Commission of Texas said Monday it has established what interest rates should apply when reimbursing utility customers after they’ve been overbilled.
Airport prepares transportation career day
North Texas students who are interested in working in the aviation sector or the transportation industry have a chance this week to network with dozens of companies in this industry.