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How to Get the Cheapest iPhone Insurance Without Cutting Corners

Saying that getting your first iPhone is exciting is probably the understatement of the century. The iPhone is the name to beat when it comes to innovative SmartPhone technology, so it comes as no surprise that you’d be chomping at the bit to get your hands on one of your own. However, it’s important to note that an iPhone is a lot more than simply a fun gadget that will streamline your life and impress your friends all at the same time. It’s also a significant investment and it really ought to be treated as such.

Compare Phone Insurance Plans and Rest Assured Knowing You Are Protected!

If you’re like most modern individuals, your mobile phone is something you literally can’t imagine leaving home without. It keeps you in touch with all the people who are most important in your life. It’s there for you to call for help in the event of an emergency. It’s even there to keep you entertained while you’re waiting for the bus or killing time on your lunch hour. However, it’s important to understand that your mobile phone is so much more than just a fun new gadget to keep you connected to everything that’s important to you. It’s also an investment and should be treated as such.

3 Reasons Why You Can’t Afford to Be Without BlackBerry Insurance

If you’re like most BlackBerry owners, you really can’t imagine your life without yours. You rely on it not only to keep you in touch with your friends, family and business contacts, but you count on it to keep you linked in to the web on the go as well. You probably even use your BlackBerry to store a lot of your valuable information so that you have access to it whenever you need it. Now imagine how you would feel if you lost your BlackBerry or had an accident that left it non-functional and in need of replacement.

Compare iPhone Insurance Plans and Find the Best One to Meet Your Needs

Your new iPhone is so much more than an exciting new gadget to add to your growing repertoire. It’s also a significant investment that should be properly protected by an ironclad insurance plan that won’t leave you high and dry should something ever happen to your phone. However, not all insurance options are created equal. In order to make sure you’ve made the best possible decision to fit your unique set of needs, it’s important to compare iPhone insurance before signing on the dotted line to make sure you’re taken care of on all counts.

Right Asset Protection to Serve the Right Purpose

While you may consider it safe after you insure your assets, is it really so? Numerous circumstances may endanger the safekeeping of your property. Many have no idea about this. They realize the importance of asset protection only after they are in a mess. How is this possible?

Insurance for Jewelry

Besides being portable, personal jewelry has two other unique problems: Items are usually small and easily lost, and jewelry often can only be valued under a microscope. Jewelry is also subject to two policy limitations; A dollar limit for theft – usually $1,000 per claim – not a limit per item. No coverage for the loss of a stone from its setting (a very common claim).

How to Carry Out Personal Property Claims

Here’s how a typical personal property claim goes: The adjuster asks you to list what you lost and provide photos, cancelled checks, or receipts. Then the adjuster shops around (which can take weeks) and comes back to you with an offer. It’s up to you to either accept the offer or contest it.

Protect Your Home: Ground Water Exclusion

Water can enter your home at or below ground level by a true flood – where a nearby body of water, usually a river, overflows its banks – heavy surface runoff, foundation seepage, or sewer backup. You can avoid the true-flood risk by living nowhere near a body of water or by living on top of a mountain. You can significantly reduce the basement water risk from runoff or seepage with landscaping, gutters, and so on.

Covering Your Silver, Gold or Pewter Wares

All homeowner’s policies have a dollar limit on theft – usually $2,500 to $5,000 – of silverware, gold ware, and pewter ware, including plated ware. This dollar limit applies not just to flatware, but also to accessory pieces like tea sets. It even applies to trophies.

Covering Business Property at Home

Homeowner’s policies are designed for residential – not business – risks, so it’s no surprise that coverage for business personal property is minimal – typically $2,500 at home and $250 away. Also, there is usually a complete exclusion for business data – both on paper and electronic media. The definition of business in most homeowner’s policies clearly includes your regular job.

Covering Your Collections

Collecting – anything from baseball cards to bottle caps, from coins to comic books, from stamps to sterling silver – is all the rage and has been for years. But this type of property has insurance pitfalls. In this section, I show you how to protect yourself from the pitfalls, case-by-case.

Covering Your Cards, Comics, and Other Collections

People used to collect just stamps, or coins, or art. These days, anything goes: CDs, books, antique toy trains, soldiers, Barbie dolls, baseball cards, comic books, miniature Christmas villages, porcelain dolls, teddy bears, and Beanie Babies. Some people even collect old insurance policies!

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