Finding the Breakdown Cover That is Best for You
Breakdown Insurance Cover
Protecting Home Equipment Can Save Thousands in Replacement Costs
Oct 31st
Des Moines, Iowa (PRWEB) June 8, 2009
A ruptured hot water heater, a failed geo-thermal pump or an electrical surge could happen at any moment, and potentially leave an underinsured property owner with ,000 or more in replacement costs.
A quick walk through a typical U.S. household instantly demonstrates the significant investment homeowners have in electronics, appliances and home systems: high-definition televisions, computers, DVD players, refrigerators, HVAC systems, furnaces, hot water heaters and more. Often overlooked, some homeowners’ policies do not protect property owners from the failure of this equipment. With less disposable income in today’s economy, many homeowners cannot afford to replace all of their electronics and home appliances at once. Now, more than ever, it is crucial to protect these valuables and minimize the financial worry.
“Damage or failure of home equipment and electronics can be a devastating loss, and can result in thousands of dollars in repair and replacement. But protecting residential equipment doesn’t have to be costly,” says Susan Halterman, product and data management vice president for Farm Bureau Financial Services. “We offer affordable coverage to help our customers be proactive in protecting their expensive home equipment. This coverage is available to customers who have our Farm Bureau Member’s Choice policy, for as little as per month per household for up to ,000 in coverage per occurrence.”
Halterman says this specialized equipment breakdown coverage allows homeowners to quickly bounce back after a mechanical or electrical breakdown. Home electronics and appliances are covered in the event of mechanical or electrical breakdown; artificially generated electrical current; and rupture, bursting, bulging, implosion or steam explosion.
“While many commercial insurance policies offer this type of coverage, it’s not often found on a personal homeowners’ policy,” says Halterman. “With the current economy, we understand homeowners are doing everything possible to protect their families from loss while also trying to minimize their expenses. Now, more than ever, homeowners need to review their policies to ensure that their coverage meets their needs. Our customers can easily insure these high-value, high-cost items with our low-cost residential equipment breakdown coverage.”
By selecting the right coverage, homeowners can prevent unnecessary headaches and unpleasant surprise expenses.
To learn more about residential equipment breakdown coverage, visit www.fbfs.com for more information or to find an agent near you. Farm Bureau Financial Services is now on Twitter. Follow @FBFS. Current customers can contact their agent about adding residential equipment breakdown coverage to their Farm Bureau Member’s Choice policy.
About Farm Bureau Financial Services
Through an exclusive, multi-state agent force, the companies affiliated with the Farm Bureau Financial Services brand underwrite, market and distribute a broad range of financial services products, including life insurance, investments, annuities, property-casualty insurance products and services and more, to individuals and small businesses within a marketing territory that includes 15 states. For more information about products and services, log on to fbfs.com, or call or visit your local Farm Bureau agent. Follow Farm Bureau Financial Services on Twitter, @FBFS.
Coverage terms and provisions are determined solely by forms which are issued after purchase and made part of the insurance policy.
Contact:
Nancy Doll
Nancy.Doll(at)FBLFinancial.com
515.226.6215
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Enjoy the Best of Britain and Europe by Car
Aug 15th
Enjoy the Best of Britain and Europe by Car
For most people, at least one two-week holiday each year is a must, in terms of having an extended relaxation period and forgetting all about the stresses of every day life.
For some, that much needed break could mean two weeks of sun, sand and sea at a popular Mediterranean or Caribbean destination, whilst others may prefer a fortnight of adventure in the remote wilderness of a mountain retreat.
But of course, the deciding factor will always be whether or not that dream vacation is affordable. One option is to simply squirrel away a little cash each week so that after 12 months of saving, a sizeable sum has accrued; and if that’s not possible, then the trusty old credit card can always be dusted down and put to good use.
However, at a time when many people may be more than a little concerned about their personal financial situation, credit may not always be an option. And this means people may have to start thinking about vacations a little closer to home.
Of course, this shouldn’t be considered a bad thing. The UK sometimes receives a bit of bad press for its weather, but in truth, it really isn’t all that bad. The south-west of England, for example, enjoys very warm weather in the summer months. The same is true about many parts of the UK, with the summer months often surprising those tourists on UK culture holidays rather than beach holidays.
The beauty of ‘holidaying at home’ extends way beyond any financial motives. The UK is home to some splendid beaches, such as Bamburgh beach in Northumberland, which has a beautiful coastline offering crystal clear water and large stretches of sand.
Moreover, for those looking to hit the road for a summer vacation in their car then it is possible to combine the best of Britain with a little taste of the continent. This is largely thanks to the Eurotunnel, which offers a private vehicle passage to Europe in a little under forty minutes. Upon disembarking at Calais in France, there is literally an entire continent to explore, from the stunning beaches in the south of France to the historical cities of Spain and Italy.
So, it would seem that there are many advantages of embarking on a driving holiday. But as is the case with any vacation, it’s always best to prepare for the worst. For example, car breakdown insurance cover is a must for anybody planning on venturing around the UK or Europe in their own car. Accidents or mechanical problems can happen any time and at any place, so 24/7 coverage is crucial to avoid unnecessarily long roadside waits that can spoil any holiday.
And given the whole point of a holiday is to unwind and forget about the stresses of every day life, this is one hassle everybody can do without.
Adam Singleton writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.