Five Ways to Improve your Site s Ranking (SEO), University Marketing and Communications, Michigan

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Five Ways to Improve your Site’s Ranking (SEO)

Follow these suggestions, and watch your website rise the ranks to the top of search-engine results.

1. Publish Relevant Content

Quality content is the number one driver of your search engine rankings and there is no substitute for great content. Quality content created specifically for your intended user increases site traffic, which improves your site’s authority and relevance.

Identify a keyword phrase for each page. Think about how your reader might search for that specific page (with phrases like “mechanical engineering in Michigan,” “best applied physics program,” or “Michigan Tech degrees”). Then, repeat this phrase several times throughout the page—once or twice in the opening and closing paragraphs, and two to four more times throughout the remaining content.

Don’t forget to use bold, italics, heading tags, and other emphasis tags to highlight keyword phrases, but don’t overdo it.

Never sacrifice good writing for SEO. The best pages are written for the user, not for the search engine.

2. Update Your Content Regularly

You’ve probably noticed that we feel pretty strongly about content. Search engines do, too. Regularly updated content is viewed as one of the best indicators of a site’s relevancy, so be sure to keep it fresh.

3. Metadata

When designing your website, each page contains a space between the head tags to insert metadata, or information about the contents of your page. If you have a CMS site, the UMC web team will have pre-populated this data for you:

4. Have a link-worthy site

Focus on creating relevant links within the text. Instead of having “click here” links, try writing out the name of the destination. “Click here” has no search engine value beyond the attached URL, whereas “Michigan Tech Enterprise Program” is rich with keywords and will improve your search engine rankings as well as the ranking of the page you are linking to.

5. Use alt tags

Always describe your visual and video media using alt tags, or alternative text descriptions. They allow search engines to locate your page, which is crucial—especially for those who use text-only browsers.

These are only a few of the many methods for improving your search engine ranking. If you want to learn more, we recommend the following resources:





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South Florida Rehab & Emergency Support Team #rehabilitation #florida

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The Florida Legislature gave their approval for the Firefighter Specialty Tag back in the 2004 legislative session. The statewide license plate was designed so that citizens could show their support of the fire-rescue profession year round. The first time you order the specialty plate, the approximate cost is $20 (plus an additional $2 to the state) over your regular renewal fee (please consult your local tax collector s office to find the exact price). The $20 portion of the specialty license plate fee may be a tax deductible donation to the Florida Firefighter Charities, 501(c)(3) organization (please discuss with your tax advisor).

The fees generated from the license plate sales will go through the Florida Firefighter Charities and be distributed directly back to local, eligible charities chosen by Firefighter s in the counties where the plate was sold (Broward County residents who purchase plates will have monies directed to the Greater Broward Firefighter Charities). The Greater Broward Firefighter Charities each year contributes to a number of eligible organizations such as MDA, the Fallen Firefighter Memorial, Collegiate Scholarships, Burn Centers, Childrens advocate and health organizations, etc.

Powered by Cincopa Video Hosting for Business solution. Main Pager Airport Disaster Drill cameramake EASTMAN KODAK COMPAN height 1536 orientation 1 flash 24 originaldate 11/7/2012 5:22:09 PM width 2048 cameramodel KODAK EASYSHARE V100 Coconut Creek, Fl Grif’s Western originaldate 1/1/0001 6:00:00 AM width 600 height 400 Canteen 226 truck and Plantation E96 originaldate 1/1/0001 6:00:00 AM width 960 height 720 Coconut Creek, Fl Grif’s Western originaldate 1/1/0001 6:00:00 AM width 600 height 400 originaldate 1/1/0001 6:00:00 AM width 960 height 720 originaldate 1/1/0001 6:00:00 AM width 960 height 640 originaldate 1/1/0001 6:00:00 AM width 960 height 720 originaldate 1/1/0001 6:00:00 AM width 720 height 960 originaldate 1/1/0001 6:00:00 AM width 960 height 540 originaldate 1/1/0001 6:00:00 AM width 960 height 640





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EGM Insurance – Pembroke and Petawawa #egm #insurance, #egm #pembroke, #egm #petawawa, #auto #insurance,

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Since 1942, EGM Insurance Brokers have been satisfying the general insurance needs of Pembroke, Petawawa and area residents and businesses. We truly are your one-stop insurance provider for vehicle, home, commercial, life – and everything in between including certified financial planning.

Get a local quote and learn how the EGM team can help you save on all your insurance needs. Better yet, call one of our licensed brokers for fast, friendly service because we are all about protecting what s most important to you.

What are Your Insurance Needs?

Just bought your first car or truck?
Congratulations! Now you ll need to shop carefully for auto insurance.

Want to know more about Auto Insurance Reform?
Learn how Auto Reform affects your auto insurance policy.

About to close a real estate deal?
Make sure your coverage begins on the closing date.

Opening a home-based business?
Liability coverage is a must.

Proud to be living and working on the family farm ?
Protect your legacy with a no-obligation, insurance reassessment.

Looking for savings in car and home insurance?
Ask us about money-saving insurance bundles.

No long-term financial plan?
Work with our experienced Wealth Management Planner for all your family s needs.

Hoping to protect you and your family against illness?
Help take the sting out of a serious diagnosis with Critical Illness insurance.

Don’t have a group health plan?
Ask us about Health and Dental coverage.

Own a boat, jet-ski, snowmobile, quad or other recreational vehicle ?
Make sure everyone who uses your toys is protected.

Running your own business.
Big or small, we insure them all. First we start with a report to management.

Tendering a contract and need bonding ?
Contact one of our brokers to process the documents you need.

Own a licensed restaurant ?
We can design an insurance strategy that protects you and your investment.

Renovating the kitchen or family room?
Protect your new appliances and furnishings by upgrading your home insurance.

EGM Insurance. Created by Design House





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Body contouring seattle #body #contouring #seattle

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Are you a mother? Have you ever wondered if there is any way to restore some of your pre-motherhood babe-hood? Well, I’m a plastic surgeon and a mother of three and I’m here to help!

  • Have you done your best? Let me do the rest! Those stubborn bulges are often not responsive to diet and exercise. Plastic surgery can help you achieve your personal best.

  • Do real men have plastic surgery? Oh, yeah. And I’m very comfortable with the male plastic surgery patient. My dad, my husband, all my siblings, two thirds of my offspring and my cat are dudes.

  • Only you can decide is breast implant surgery is right for you. Consultation with me includes “trying on” implants to see what size will enhance your overall figure. Bring a snug t-shirt or borrow one of ours!

  • Start by looking for a surgeon who is certified by the American Board of Plastic Surgery. This assures your surgeon has trained fully and formally in an accredited plastic surgery residency program.

  • Take a long look at my web site. By the time you are done, I think you will have a good idea about my approach to plastic surgery. If you think we might be a good fit, call to set up a consultation.

  • Have you finally made friends with your scale? Congratulations! If you have been left with sagging skin or a few areas recalcitrant to your weight loss, body contouring can help.

  • Think you are “too old” to benefit from breast or body contouring? If you are in good health, think again!

    Welcome to my web site.

    Seattle Plastic Surgeon – Dr. Lisa Lynn Sowder

    Serving patients from Seattle, Tacoma, Bellevue, Kirkland, Redmond, Everett and beyond (sometimes way beyond!)

    Hi! I m Dr. Lisa Lynn Sowder and have been a plastic surgeon in Seattle, Washington since 1991. Come on in, pull up a chair and stay a while. Learn what plastic surgery has to offer to help you achieve your personal best. Take a look at the variety of procedures I perform on an amazing variety of patients. You will see why I never have a boring day in the office or the operating room. If you are looking specifically for a lady, woman, or female plastic surgeon. I certainly qualify! If you would like to meet me in consultation, give my office a call. I’m looking forward to meeting you. You can meet me on YouTube.

    Read Dr. Sowder s expert answers on RealSelf regarding mommy makeovers.

    Contact Dr. Sowder

    Subscribe via Email

    When you look in the mirror, does your face fit your inner image? Do you feel a lot younger than you look? Facial plastic surgery can help merge that image in the mirror with the way you feel inside.

    Too big, too small, too droopy, uneven or more than one of the above? Plastic surgery can change your size and/or shape to better match your build and lifestyle. You may find that bra shopping can be fun, really fun.

    A healthy lifestyle goes a long way towards a pleasing figure, but sometimes even the most dedicated gym rat will need a little help. So. when you have done your best, let me do the rest!

    Not ready for surgery? The boom in injectables and medical skin care has revolutionized the way plastic surgeons think about and treat facial aging.

    FACIAL PROCEDURES

    BREAST PROCEDURES

    OTHER BODY PROCEDURES

    NON-SURGICAL PROCEDURES





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  • Asset Labels, Asset Tags and ID Plates #asset #labels, #asset #tags, #asset #stickers, #id

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    Dantech Asset Labels

    Secure, Track and Identify your Property
    with Dantech Asset Labels

  • Tamper Evident Void Asset Labels

    If removal is attempted they leave a clearly visible ‘VOID’ message on the surface of your asset and on the back of the label. Durable polyester with hi-strength acrylic adhesive. Supplied in strips of 10 labels. Minimum Order 300 labels. Choice of four sizes. Choice of white or silver material. Read More

  • Aluminium Heavy Duty Plates

    These plates are 0.3mm thick, photographically printed onto the aluminium with your name and sequential number/bar code – then anodised to seal in and totally protect the print from abrasion, chemicals and adverse weather conditions. 3M VHB industrial adhesive or use screws/rivets. Must be fixed to a flat surface. Black print only, one or two lines of text plus sequential bar code and readable number. Minimum Order 300 labels. Choice of two sizes. Read More

  • Aluminium Foil Assets

    0.05mm durable aluminium with 3M hi-tenacity adhesive, suitable for most surface. For indoor/outdoor use. Will withstand temperatures from -40 C to +150 C. Supplied in strips of 10 labels. Minimum Order 300 labels. Choice of four sizes. Read More

  • Self Laminating Asset Labels

    Supplied with your name and text pre-printed, plus space for your own infomration to be added on site. Then, simply remove the lining paper and seal down the lamination for total protection. Supplied in strips of 8 labels. One size. Minimum order 300 labels. Read More

  • Polyester Asset Labels

    Top quality material backed with a thick, permanent 3M adhesive. Suitable for textured surfaces. Supplied in strips of 10 labels. Minimum Order 300 Labels. Choice of four sizes. Read More

  • Ultra Destructible Vinyl Asset Labels

    Discourage theft, tampering or transfer. These labels are printed on vinyl (NOT paper) and cannot be removed in one place – any attempt to remove will result in the label breaking into small fragments. Strong, permanent 3M adhesive. Minimum Order 300 labels. Choice of four sizes. Read More

  • ID Trakamark Security Plates

    A theft deterrent and aid to recovery. Solid aluminium plates with industrial strength adhesive makes it near impossible to remove the plates without damaging the equipment. The plates are printed with a text of your own choice and we recommend including a warning message indicating that the equipent is traceable by the police plus telephone number to contact your company if recovered or left behind in a taxi, train or hotel. Read More

  • Mini Mark Asset Labels

    Identify and track small and valuable equipment with these labels with text and variable information laser engraved into the surface for a durable marking Will withstand temperatures from -60 C up to 200 C. Highly resistant to chemicals, abrasion and harsh environments – even dishwasher proof! Read More

  • White Vinyl Asset Labels

    A durable, economic material. Strong, acrylic permanent adhesive. Supplied on Rolls. Minimum Order 300 labels. Choice of four sizes. Read More

  • Asset Tracker Labels

    Label set for your assets, with one main label (40x30mm) and 2 small labels (20x10mm) suitable for applying to related paperwork or documents. White vinyl, printed in black with your company details, including sequential numbering and bar code, if required. Supplied in strips of 5 label sets. Minimum order 300 labels. Read More

  • 2D Codes Asset Labels

    When it comes to small parts tracking, good things do come in small packages. Our Mini Mark labels incoporate a Datamatrix 2D code to identify and track property and to record calibrations and maintenance information in 1/10 of the space of traditional barcodes – and it is still readable even if more than half the label is damaged! A 10mm diameter label can contain 50+ digits! Read More

  • Industry Logistics Asset Labels

    Aluminium plates and foils with precision printing, sequentially numbered bar codes, including 2D codes, sealed in the aluminium with a protective anodising to provide years of protection against heat, cold, chemicals and abrasion. Intensified images or Teflon coating is available for extreme environments. Fixed and adhesive or mechanical fasteners through punched holes. Read More

    Asset Labels and ID Plates From Dantech

    Secure, Track and Identify your Property with Asset Labels and ID Plates from Dantech

    Protect your valuable assets with ID MARK and ID Silver MARk providing permanent
    plusUV security marking and asset identification.

    • ID MARK is a stencil system that comes with a marking compound which
      enables you to permanently mark most items.
    • ID Silver MARK is similar to ID MARK but is designed for use on shiny surfaced
      equipment like ipads.

    Information on Dantech Asset Labels

    Protection. All asset labels have a clear protective lamination (except Ultra Destructible labels) to protect the print from solvents and abrasion. Plus extra strong, permanent adhesive, that will adhere securely to most materials and last for years.

    Logos. Company logo included free of charge (subject to sight of the logo). You must supply a clean black print or email a high res file (tiff/eps/jpg preferred) . Please contact Dantech for more information.

    A variety of Designs. Choose from the different styles or design your own.

    Colour Printing. Prices include printing in one colour – choose from Black, Red, Green, Blue, Brown. Second print colour: Add 15% to the price.

    Numbering. Consecutive Number Plus Barcode is included free of charge. We use Code 39 barcodes unless you specify another.

    Many organisations face a significant challenge to track the location, quantity, condition and status of their fixed assets. Asset labels are an easy way of recording and identifying your valuable equipment. They are security labels in a wide range of materials and styles, with a permanent adhesive, personalised with a name, logo, sequential numbering and then applied to your equipment.

    It is good practice to keep a register of all your assets in case of theft of fire – and some insurance companies will require proof before settling claims. By asset labeling all your valuable equipment, Asset Labels will also discourage ‘asset misappropriation’, theft and fraud.

    Prices quoted are ex-factory and exclude VAT Carriage.

    DANTECH LTD
    Marken House
    Fallow Corner Drove
    Manea, Cambs
    PE15 0LT





  • Sarasota Vacation Rentals – Condo and Home Accommodations in Florida, sarasota college of florida.#Sarasota

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    Sarasota Vacation Rentals

    • Pool – Shared
    • Pool – Private
    • Hot Tub – Private
    • Hot Tub – Shared
    • BBQ
    • Internet/Wifi
    • Air Conditioning
    • Phone
    • Parking Included
    • TV
    • Washing machine
    • Wheelchair Accessible
    • Smoking Allowed
    • 1+
    • 2+
    • 3+
    • 4+
    • 5+
    • Credit Card
    • PayPal

    Accommodations

    Sarasota Communities

    • Sarasota college of florida
    • 2 BDR
    • 2 BA
    • Sleeps 2
    • #231756

  • Sarasota college of florida

    By Dr Beach 15 Minute

    • 2 BDR
    • 2 BA
    • Sleeps 6
    • #207056

  • Sarasota college of florida

    By Dr Beach 15 Minute

    • 2 BDR
    • 2 BA
    • Sleeps 6
    • #207096

  • Sarasota college of florida

    Away to Paradise

    • 2 BDR
    • 2 BA
    • Sleeps 6
    • #231544

  • Sarasota college of florida

    Relax Rejuvenate and

    • 1 BA
    • Sleeps 2
    • #235025

    Sarasota college of floridaSarasota college of florida

  • Sarasota college of florida

    Step onto the Sand

    • 2 BDR
    • 2 BA
    • Sleeps 4
    • #235048

    Sarasota college of florida

  • Sarasota college of florida

    Just 8 Miles

    • 3 BDR
    • 2 BA
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    Sarasota college of florida

  • Sarasota college of florida

    Our 2000 Sq Ft

    • 4 BDR
    • 2 BA
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    Sarasota college of florida

  • Sarasota college of florida

    Our 2000 Sq Ft

    • 4 BDR
    • 2 BA
    • Sleeps 8
    • #234181

    Sarasota college of florida

  • Sarasota college of florida

    Vista Hermosa, 2 Bedrooms

    • 2 BDR
    • 2 BA
    • Sleeps 5
    • #235283

  • Sarasota college of florida

    Twin Palms 5, 1 Bedroom

    • 1 BDR
    • 1 BA
    • Sleeps 4
    • #235282

  • Sarasota college of florida

    Crescent Street 1138 B, 1

    • 1 BDR
    • 1 BA
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    • #235263

  • Sarasota college of florida

    Crescent Street 1138 A, 2

    • 2 BDR
    • 1 BA
    • Sleeps 6
    • #235262

  • Sarasota college of florida

    Casa Siesta, Ground Floor

    • 2 BDR
    • 1 BA
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    • #235258

  • Sarasota college of florida

    Bay Tree Club 106, 2

    • 2 BDR
    • 2 BA
    • Sleeps 6
    • #235256

    • Sarasota college of florida




    Tags : , , ,
  • Fire Extinguishers Buy Fire Extinguishers Online #fire #extinguishers #sign

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    Fire extinguisher and equipment specialists

    Automatic 30 day accounts for NHS and Schools

    Welcome to Fire Extinguishers Direct and our exciting range of budget Fire Extinguishers. Brought to you at credit crunch busting prices from as little as 9.99 ex VAT.

    With 20 years experience in the UK Fire Protection Industry, Fire Extinguishers Direct are ideally placed to provide quality products and service solutions to a cost conscious market. If we can help with any of your requirements for Fire Extinguishers, Fire Alarms, Emergency Lighting, Installation, Servicing or Maintenance then please do not hesitate to contact us.

    It is important to recognise the correct type of fire you are fighting when selecting your fire extinguisher. We have outlined some useful points and the most likely surrounding and conditions that each fire is likely to occur for your information.

    There are no fewer than six classes of fire, each requiring a specifically designed extinguisher to fight each fire individually. In newer extinguishers they have included a picture/labelling system indicating the type of fire they are designed to efficiently extinguish.

    Class A – Solid Fuel Fires

    Class A fires are solid fuel fires (wood, paper, straw, textiles, coal etc). An extinguisher s Class A rating is measured by the length of a wood stack that can be extinguished effectively.

    The appropriate extinguisher in the instance of a Class A Fire would be a Water or Foam Fire Extinguisher.

    Class B – Liquid Fuel Fires

    In the instance of a Class B Fire, the numerical value is measured in litres and represents the quantity of flammable liquid that this extinguisher can comfortably put out.

    A Foam Fire Extinguisher is ideally suited where both Class A and B fire risks exist. Aqueous Film Forming Foam (AFFF) is particularly suited to fight liquid spills such as petrol, oil, fats, paints etc. and works by forming a film on the liquid to extinguish the fire effectively. Our foam extinguishers have passed the electrical conductivity test at 35kv.

    A Carbon Dioxide Fire Extinguisher, while designed for Class B fire risks can also be used on electrical fires. As CO2 extinguishers are harmless to electrical equipment they are used extensively in modern offices.

    Class C – Gas Fuel Fires

    Class C Fires are very difficult to measure as flammable gas is not easy to measure with any accuracy. It is dependant on the ratio of gas to air in the local atmosphere.

    A Powder Fire Extinguisher is especially designed to tackle an environment where more than one fire risk is a possibility. It is a good all round fire extinguisher as it is suitable to handle flammable liquid fire such as methane, propane, hydrogen, natural gas etc. It is not recommended for indoor use.

    This extinguisher is efficient at tackling Class A, B and C fires

    Class D – Metal Fires

    Class D fires typically consist of burning metal swarf produced during the machining of magnesium etc.

    The M28 Powder Extinguisher is based on sodium chloride and is suitable for use on Class D metal fires. By fusing powder to form a crust, oxygen is excluded from the surface of the molten metal and with the addition of a specific agent will prevent the powder from sinking into the surface of the metal fire. For safety purposes the extinguisher is fitted with a slow, low velocity applicator cup which is approximately 2m in length. This helps to reduce splashing of the molten metal.

    Electrical Fires

    Once the source of electricity is shut down the electrical fire will revert to a different class of extinguisher. Please speak to one of our advisors if you require further advice.

    A CO2 Fire Extinguisher is ideal where electrical appliances are the most likely fire hazard. It will also extinguish Class B Fires. However, you should be aware that after the CO2 has drifted away, the fire could re-ignite. An alternative to CO2 are foams, as long as they have been tested to35kV and a safety distance of 1m is observed.

    Class F Cooking Oil Fires

    Wet Chemical Fire Extinguishers are especially designed to deal with oil/deep fat fryer (Class F) fires. They are however, also efficient at tackling Class A Fires (wood, paper, straw, textiles, coal, etc). This type of fire extinguisher has also passed the electrical conductivity test at 35kV.

    Where do you put your fire extinguisher?

    You need to be able to see and reach your fire extinguisher quickly and with ease. Ideally it should be placed on an escape route that is either near an outside door or on route from the living areas to an outside door. It is advisable to fix it so that it is adjacent to the potential fire risk.

    It should be correctly fixed to a wall at a height where it is easily reached. It must however be kept out of the reach of children. Do not place them over cookers or heaters or anywhere of extreme temperatures.

    Fire Extinguisher Maintenance

    The manufacturer will supply instructions on how to keep your extinguisher in good working order.

    After an extinguisher has been used it will be necessary to recharge it according to the manufacturer s instructions.

    It is advisable that ALL fire extinguishers are serviced on an annual basis. You should always use an accredited company, for failure to do so may affect your insurance cover.

    How many fire extinguishers do I require?

    This is simply measured by the size of the premise and the risk factor.

    Below we have provided guidelines that are based on a low risk basis.

    Standards stipulate that no person should be more than 30 metres away from a fire extinguisher.

    BS 5306-8:2012 states that each floor of a premises should have a minimum of 2 x A rated fire extinguishers with a minimum combined A rating of 26A. To work out the required A rating of a building you should take the floor area in square metres and multiply that figure by 0.065. This will give you your minimum A rating (remembering that if it is below 26A then 26A will be your minimum requirement). For example, a floor area of 1000 square metres will give you 1000 x 0.065 = 65A. On top of this minimum rating you should consider any special risks. It is always recommended to have a fire extinguisher site survey performed by a reputable company.

    If there are any special circumstances or cause for concern your local Fire Service Officer will be happy to advise.

    It is always worth contacting one of our qualified engineers to advise you.

    Please call 0800 978 8212 and speak to one of our advisors today. Whether it s for an office or industrial unit, an industrial kitchen or your home, even if it s for your vehicle, we are on hand and will be more than happy to assist you!

    2013 Fire Extinguishers Direct





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    Device Provisioning and Network Management for Service Providers, network device configuration management.#Network #device #configuration

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    network device configuration management

    Network device configuration management

    Network device configuration management

    Network device configuration management

    Strengthen your profitability with OSS solutions for next-generation communication services.

    Increase revenue and cut OPEX with our Solutions

    Network device configuration management

    Wireless Management

    Reduce time-to-market for wireless services with our end-to-end solution

    Network device configuration management

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    Enhance QoE and expedite the fulfillment of a rich array of services

    Network device configuration management

    Fiber Service Enablement

    Reduce time-to-market for fiber-based residential and commercial services

    Network device configuration management

    Capacity Planning for Cable Networks

    Network analytics for smarter congestion management

    For more than 20 years, Incognito has been deployed and trusted by service providers around the world.

    Network device configuration management

    Network device configuration management

    Network device configuration management

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    Network device configuration management

    Find out how you can combat stagnating revenues and rising costs.

    Network device configuration management

    Professional Services

    Get expert advice to navigate IP service delivery and challenges

    Network device configuration management

    Is Poor Device Management Holding you Back From Better QoE?

    Latest News Coverage

    Upcoming Event

    October 17 20, 2017Booth Booth #1013. Colorado Convention Center. Denver, CO

    Latest Blog Post

    Stay Connected

    • Join us on these networks

    Network device configuration management

    Since 1992, our service activation, device provisioning, and network resource management solutions have enabled service providers to increase operational efficiency and monetize IP-based subscriber and commercial services.

    Contact

    375 Water St. Suite #500

    Vancouver, BC V6B 5C6

    Copyright 2017 Incognito Software Systems Inc. All rights reserved.





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    Homeowners Insurance

    Crime, accidents and severe weather are part of life, and every home experiences loss or damage of some kind, at some point. You can’t predict when you will experience a loss, but you can protect yourself financially. Where do you begin, and how can you compare homeowners insurance quotes when it seems every company offers something different?

    Start by getting a free home insurance quote from a Trusted Choice ® independent insurance agent. When you work with a local agent you’ll get quality service and can compare different rates and savings that will match the insurance plan you are looking for. Your agent can also answer any questions you may have about the types of homeowners insurance coverage you need, including personal property coverage, liability and more. Call and find a local agent near you to get set-up with an the right policy.

    Home and Property Damage Facts

    • In an average year, 374,000 residences catch fire, resulting in $7.32 billion in loss
    • In 2010, 2,158,878 houses were burglarized, resulting in an estimated $4.6 billion loss
    • 1,691 tornadoes occurred in the U.S. in 2011, at a cost of $28 billion

    Getting coverage for the risks of owning a home is simply a wise investment. Be sure to call a qualified Trusted Choice agent who understands your geographic area and can help you make sense of the many options available to you.

    What Does Homeowners Insurance Cover?

    Broadly speaking, insurance covers you for potential loss resulting from risks such as burglary or theft, severe storms, fire and also your personal liability. The specific risks you may face as a home owner could include floods and earthquakes, which you must cover with separate policies, as these disasters are not included in home insurance.

    Your home liability coverage protects you in the event that someone is injured on your premises or you are responsible for damage to someone else’s property. You homeowners insurance can even protect you against injury you cause to another person off-premises under certain circumstances. Note that liability insurance will not cover acts of violence or intentional damage.

    Your liability insurance would also typically provide coverage if:

    • Your child throws a baseball through the neighbor’s window
    • Your dog bites a visitor to your home
    • A visitor is injured on your backyard swing set or trampoline, or by falling on your icy sidewalk
    • A dinner guest gets food poisoning and is hospitalized

    If someone files a liability claim against you, your insurance can pay for property repairs, medical or funeral costs or even a lawsuit if the injured party chooses to launch a legal process.

    When evaluating the amount of liability coverage that makes the most sense for you, be sure to fully discuss your limits and deductibles with your agent. Take time to understand your risks, and determine whether you will be well covered in various circumstances. In the event of a disaster, the costs of recovering can devastate household finances. Quality home insurance can make a difficult situation bearable and help you get your life back on track.

    Is Homeowners Insurance Mandatory?

    Homeowners coverage is not required by law. However, if you borrow money to buy a home, your lender will likely require you to buy a homeowners insurance policy in order for you to qualify for a home loan. In this case, your home is collateral and the lender wants the collateral maintained. The lender requires insurance so you can afford repairs if the home suffers an insurable loss.

    At a minimum, your lender will want your policy to cover or exceed the amount you owe on the loan. Most home owners, however, want enough coverage to repair or replace the home. A Trusted Choice agent can help you decide how much insurance is right for you and if you qualify for any special savings.

    Be Sure Your Home Insurance Provides Adequate Coverage

    A recent study concluded that 69 percent of home owners are under-insured. Unfortunately, many home owners think they are fully protected and are stunned to find out at the time of loss that their coverage is inadequate.

    Getting the right homeowners insurance coverage for your home and belongings depends on many things, from crime rates, tornado risk and wildfire hazards in your area to the specific personal property coverage and deductibles that make the most sense for your household.

    Here are a few key strategies you may want to consider to make sure you have adequate home insurance:

    • Increase your liability insurance with an umbrella liability policy, which will provide liability coverage up to $1 million or more.
    • Get replacement cost home insurance to cover what it would cost to replace your home and personal property, instead of “actual cash value” coverage, which will only cover the current depreciated value.
    • Be sure to read over the policy’s exclusions carefully and ask your agent if any of these items are a risk, and if you can purchase additional insurance to cover them.
    • Add coverage for specific items of value, such as jewelry, art and collectibles, through “endorsements” or “riders” on the policy.

    While you may be able to buy online homeowners insurance, consider working directly through an agent who can provide in-depth explanations of each aspect of your policy. When you buy home insurance, you are protecting your financial future. Take time to seek good advice from a knowledgeable independent agent.

    Making Sure Your Personal Belongings Are Covered

    When choosing the amount of personal property coverage you want for your belongings, consider what it would cost to replace all of your personal items after a total loss from a fire. Many home owners assume that all of their belongings are fully covered until they experience a loss. Depending upon the type and amount of coverage in the policy, personal items may not be covered, or may only be covered up to a depreciated value. In most cases, this amount is far less than what it would cost to replace them.

    The following steps can help you determine the value of your items and be prepared in the event that you need to file a claim:

    • Compile an inventory of what you own, room by room.
    • Take pictures of your belongings, particularly anything of high value.
    • Keep receipts for all valuable items you purchase, including appliances.
    • Record a replacement value for each item on your inventory.
    • Go over this list with your insurance agent and determine whether you need to purchase additional coverage to be protected in the event of a loss.
    • Place your inventory list, images and receipts in a secure place such as a fire safe.

    These records will help you to complete the claims process more efficiently and accurately if you suffer a loss.

    Why Work with an Independent Agent?

    Now that you know the many ins and outs of homeowners insurance, you can see why it is so important to work with an insurance agent who can answer all of your questions. A local Trusted Choice independent agent can compare policies and options for you from multiple insurance companies, and provide the service you need to make an informed decision.

    Additionally, your local agent can look for all available discounts and savings that can help to lower your home insurance costs. When it comes time to file a claim after a loss, your agent will assist you with the claims process so you can recover as quickly as possible. Find an agent in the Trusted Choice network today to get started finding the right homeowners insurance for your needs.

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