Have you checked if your current insurance coverage would be adequate to replace your homes? A policy should allow you to completely rebuild your home should a disaster occur. There is little more important than getting your policy updated to match your current property values. If there is a wide gap, it could mean an economic disaster.

Check:

• Determine the limits you want on your homeowners insurance, what you need to insure, get multiple quotes.
• Consider purchasing your homeowner, auto and umbrella insurance with the same company so a multi-coverage discount will apply.
• Having smoke, burglar alarms and a sprinkler system could mean bigger discounts.
• Get a quote for insurance that would pay to replace your belongings, rather than pay you based on their depreciated value.
• Ask your agent what documentation you need to substantiate a claim, in case of theft or fire. Make sure you videotape or digitally record all of you personal properties including what is in the drawers and cabinets and send the tape, CD or DVD to someone you trust for safekeeping.
• Carry enough liability coverage to protect you against a lawsuit if someone gets slips, trips or gets hurt on your property.
• Read the policy when you receive it.
• Ask your agent to carefully explain anything you don’t understand.

Never buy insurance from a company you don’t recognize.

Almost 1 million bicycles were stolen in the U.S in 2006, according to the FBI and most of them were never seen again. With the increasing popularity of bicycling as a sport and as a means of transportation, bike thefts are on the rise.

“A good bike can cost several thousand dollars,” said Jeanne Salvatore, senior vice president and consumer spokesperson at the I.I.I. “To protect it, always lock your bike, and make sure you have adequate insurance coverage.”

Bicycles are stolen most often in densely populated areas such as cities and suburbs, but university and college towns are another hot spot; in fact bicycle thefts represent over half the property crimes on campus.

Bicycles are covered under the personal property section of standard homeowners and renters insurance. This coverage will reimburse you, minus your deductible, if your bike is stolen or damaged in a fire, hurricane or other disaster listed in your policy.

There are two types of coverage for personal property.

* Actual Cash Value
Actual cash value is what the bicycle is actually worth given its age. A ten year old bicycle, for example, would be valued at the cost of a new bicycle minus ten years depreciation.

* Replacement Cost Coverage
Replacement cost coverage will reimburse you for what it would cost to replace your ten year old bicycle with one of like kind and quality at today’s cost. Replacement cost coverage costs about 10 percent more than actual cash value, but it is a good investment.

Homeowners and renters insurance also provide liability protection for harm you cause to someone else or to their property. Therefore, if you injure someone in a bicycle accident, and they decide to sue, you will be covered up to the limits of your policy. This protection also includes no-fault medical coverage; in the event you injure someone, he or she can simply submit medical bills to your insurance company so that medical bills can be paid without the injured person having to sue you. This coverage usually ranges from $1,000 to $5,000. To make filing a claim easier, the I.I.I. suggests the following:

Save your receipts
When you buy your bicycle you will probably purchase expensive equipment to go with it. Be sure to save all your receipts. The cost of a helmet, patch kits, pumps, extra inner tubes and other essentials can add up quickly. If your bike is damaged or stolen, having receipts can help speed the claims process.

Add your bicycle to your home inventory
Everyone should have an up-to-date home inventory of their personal possessions. This can help you purchase the correct amount of insurance and will make the claims filing process easier if there is a loss. To help you create a home inventory, the I.I.I. provides free, downloadable software located at www.KnowYourStuff.org. As well as listing all your possessions, the software allows you to add digital photographs of your valuables and save scanned receipts.

To protect yourself and your bicycle while cycling, follow some simple rules:

* Always wear a helmet; the most serious bike injuries are to the head.
* Wear reflective clothing so motorists can see you clearly.
* Properly maintain your bicycle; repair tires, gears and brakes as they age.
* Obey the rules of the road. Follow the same rules that apply to cars and other vehicles such as stopping at stop signs and yielding to pedestrians.
* Ride in the same direction as cars, never against traffic.
* Ride well to the left of parked cars. This will help you avoid being “doored” when a motorist unexpectedly opens the driver’s side door as you ride by.

To learn more about bicycle safety visit Advocates for Auto and Highway Safety.

All pools—from a simple above-ground kiddy pool to an aquatic extravaganza—can be dangerous and need to be properly insured and comply with local safety standards.

According to the Center for Disease Control, over 3,200 people drown each year. Among children, ages one to four, most drowned in residential swimming pools. Most of these young children had been out of sight for less than five minutes and were in the care of one or both parents at the time.

If you plan to purchase a pool, the I.I.I. suggests that you:

• Contact your town or municipality
  Each town will have its own definition of a “pool,” often based on its size and water depth. If the pool you are planning to buy meets the definition, then you must comply with local safety standards and building codes. This may include installing a fence of a certain size, locks, decks and pool safety equipment.
• Call your insurance agent or company representative
  Let your insurance company know that you have a pool, since it will increase your liability risk. Pools are considered an “attractive nuisance” and it may be advisable to purchase additional liability insurance. Most homeowners policies include a minimum of $100,000 worth of liability protection. Pool owners, however, may want to consider increasing the amount to $300,000 or $500,000.You may want to talk to your agent or company representative about purchasing an umbrella liability policy. For an additional premium of about $200 to $300 a year, you get $1 million of liability protection over and above what you have on your home. It would also provide added liability protection when you drive.

  If the pool itself is expensive, or if you decide to install an in-ground structure, you should also have enough insurance protection to replace it in the event it is destroyed by a storm or other disaster.

By purchasing renters insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods). Like homeowners insurance, renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Renters insurance covers your additional living expenses if you are unable to live in your apartment because of a fire or other covered peril. Most policies will reimburse you the difference between your additional living expenses and your normal living expenses but still may set limits as to the amount they will pay.

There are two types of renters insurance policies you may purchase:

With either policy, you may want to consider purchasing a floater. A standard renters policy offers only limited coverage for items such as jewelry, silver, furs, etc. If you own property that exceeds these limits, it is recommended that you supplement your policy with a floater. A floater is a separate policy that provides additional insurance for your valuables and covers them for perils not included in your policy such as accidental loss.

Thanks to: III.org

Americans are not backing up their digital photos, music, documents or other types of files, according to a new study released today by the Consumer Electronics Association (CEA)®. Results of the study, Amassing Digital Fortunes: A Digital Storage Study, show that nearly one in three consumers don’t see the need to back up their files, while nearly a quarter (22 percent) say they aren’t backing up files because it’s too time consuming. “The issue appears to be a combination of lack of awareness of storage options and ease of use,” says CEA’s Director of Market Research, Tim Herbert. “Generally, consumers don’t know how to back up their data and if they do, they’re failing to back up data because they claim it takes too much time.”

The average American adult has 1,800 digital files, totaling 310 billion digital files nationwide. With another 1,060 being added per user in 2008, the total number is expected to hit just under 500 billion by the end of the year.

“The sheer amount of data being amassed every day creates tremendous opportunities for the digital storage market,” says Herbert.

Photos (85 percent) and music (67 percent) comprise the largest percentage of stored files, making them more common than productivity files, like home office documents (59 percent), which ranked third.

Research results show that consumers are satisfied with their storage options. Eight out of 10 respondents reported using their home computer as their primary long-term storage option. For back-up, over three quarters of people surveyed (77 percent) burn their files onto a CD or DVD. Over a quarter (29 percent) of those surveyed copy their files onto more than one device, such as having a file on a computer and a portable MP3 player.

CEA offers several tips for consumers to keep digital files safe:

If you are saving content onto a CD, DVD, USB Flash Drive or other removable device, keep an extra copy off-site, like an office. This ensures your contents safety in case your home is damaged by events such as a fire, flood or earthquake.
Use an online backup service to protect your content from disasters and/or hardware failures.
Scan and clean your backup drives. Viruses can spread to removable drives and other network connections, damaging your music and photos.
Regularly defragment your hard disk drive. This will ensure your computer is running faster for longer with less wear and tear.
Establish a regular back-up schedule. Many external hard-drives come with software that can assist in the back-up process and help maintain a consistent schedule to ensure data gets saved even if you forget to.
For more tips on how to protect and archive digital content, visit www.DigitalTips.org.

Refrigerator

Average life span: 14 years

What you need to do: Locate the condenser coils by checking your owner’s manual. Clean them by unplugging the fridge and removing dust gently with a broom or brush. Check the seals by sliding a piece of paper in the closed door. If it falls out, you need to replace your seals. And defrosting regularly can’t hurt.

Inspected and cleaned: Have it done if your at-home remedies don’t work or if there are noises you can’t locate.

Washer, dryer

Average life span: Washer: 12 years; Dryer: 14 years

What to do: Clean the dryer’s lint filter and hoses. Kinks or ridges can cause highly flammable lint to build up, a major cause of fire.

Inspected and cleaned: Replace the hoses on your washing machine every 3 to 5 years.

Window air conditioner

Average life span: 13 years

What you need to do: Changing the air filter every month helps the system run more efficiently and improves air quality. Dirt and neglect are the main causes of AC failures, so clean it well.

Inspected and cleaned: Do it twice a year, usually fall and spring.

Garbage disposal

Average life span: 13 years

What you need to do: Keep anything stringy, like pumpkin pulp, out of it. Also leave out tough produce, anything hard that can dull the blades, and grease, which can clog your pipes.

Inspected and cleaned: Have this looked at whenever your plumbing is checked.

Microwave

Average life span: 5 to 8 years

What you need to do: Microwaves are simple appliances; they don’t know the difference between the food you want cooked and old splatters in the chamber, so keep it clean and don’t exceed the recommended usage.

Inspected and cleaned: Anytime there’s a problem. You should never attempt to work on it yourself.

Dishwasher

Average life span: 9 to 12 years

What you need to do: Be mindful of what you put in it. Leave out small pieces that can get lodged in the drain and make sure everything is dishwasher-safe. Use a powdered detergent, because gels can cloud dispenser and glasswear. Spend the few dollars on a rinse aid, such as Jet-Dry, every month or so.

Inspected and cleaned: Every 2 to 3 years.

Water heater

Average life span: electric: 6 to 14 years; gas: 5 to 9 years

What you need to do: Check your hoses, fittings and release valves. Also watch for damaged areas on the outside of the tank and leaking.

Inspected and cleaned: Every couple of years.

Stove

Average life span: electric, 16 years; gas, 19 years

What you need to do: Check temperature with a thermometer or by following a basic white cake mix and making sure it cooks correctly. Keep it clean inside and out, using nonabrasive cleaners. Check your seals and the hinges, which can bend over time and let heat escape.

Inspected and cleaned: Any time it’s not heating properly.

Central air system

Average life span: 10 to 20 years

What you need to do: Check for leaks around the system and with hose connections. You should also change your filter monthly.

Inspect and cleaned: Seasonally

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company:

• Licensing
  Not every company is licensed to operate in each state. As a general rule, you should buy from a company licensed in your state, because then can you rely on your state insurance department to help if there’s a problem. To find out which companies are licensed in your state, contact the state insurance department.
• Price
  Many companies sell insurance policies and prices vary greatly from one to another, so it really pays to shop around. Get at least three price quotes from companies, agents and from the Internet. (you can get quotes right here) Your state insurance department may publish a guide that shows what insurers charge for different policies in various parts of your state.
• Financial Solidity
  You buy insurance to protect you financially and provide peace of mind. Select a company that is likely to be financially sound for many years, by using ratings from independent rating agencies.
• Service
  Your insurance company and its representatives should answer your questions and handle your claims fairly, efficiently and quickly. You can get a feel for whether this is the case by talking to other customers who have used a particular company or agent. You may also want to check a national claims database to see what complaint information it has on a company. Also, your state insurance department will be able to tell you if the insurance company you are considering doing business with had many consumer complaints about its service relative to the number of policies it sold.
• Comfort
  You should feel comfortable with your insurance purchase, whether you buy it from a local agent, directly from the company over the phone, or over the Internet. Make sure that the agent or company will be easy to reach if you have a question or need to file a claim.

hat tip to the III

Be sure to turn off power to your furnace before working on it so that a motor doesn’t start while you’re tinkering. You can usually change a filter without turning off the gas or oil supply, but for all other maintenance be cautious and turn off the fuel supply. Before you do, be sure you know how to relight the pilot light. 

With almost any heating system, replacing the thermostat with a programmable digital thermostat will save energy. These thermostats automatically adjust the temperature of your home to keep you comfortable when you’re there and save energy when you’re not.

At a very minimum, change the air filter in any forced-air furnace on a monthly basis. A good programmable thermostat will remind you when to change the filter. Some experts recommend inexpensive fiberglass filters; others, midrange filters that trap smaller particles. Furnace performance should not be impacted if filters are changed regularly. Base filter selection on your sensitivity to air-borne particles. Vacuum the blower and accessible areas of the furnace every few months. Even with regular filter changes dust will accumulate on the blades of the blower.

If you have an older natural gas or propane furnace, oil the motor and blower shafts — they only need a couple of drops of 20-weight oil on an annual basis. Most new models have sealed bearings that don’t need to be oiled.

Your furnace blower might be powered by a V-belt connected to an electric motor. If the belt is cracking or fraying, it needs to be replaced. Even if the belt looks OK, you might want to check the blower and motor pulleys for alignment; if they’re not aligned the belt will wear out faster (and make more noise). To align it, loosen the screws holding the motor in place, then align the pulleys using a metal carpenter’s square and tighten the screws.

You can replace the oil filter to keep clean fuel flowing to an oil-burning furnace. Check the owner’s manual to find out how to bleed air out of the fuel line, though it may not be necessary on your model. Regularly checking the fuel lines and connections for leaks is a good idea.

If you have a hot water system, bleed air out of radiators annually. While the system is on, simply open the bleeder valve on each radiator until water comes out without sputtering. Be prepared to catch the water and be careful — it’s hot! There are different types of bleeder valves on radiators: Some open with a screwdriver; others, with a special key or a knob already in place.

For all types of furnaces,  make sure the outside vents and chimneys are not blocked by snow, leaves, nests, etc.  Such blockages can cause carbon monoxide hazards.  Flues that leak pose carbon monoxide and fire hazards, so check for cracks or joints that are separating.

You can read more at motherearthnews.com and then go on down to the basement and do a little preventative maintenance even if it’s just changing the filter.

Here’s the link to the software:

If you are planning a kitchen remodel, take your time making design decisions, the kitchen is a complex room with many different elements to consider.

Here are a few things to consider in your planning:

•Pick your appliances first — everything gets built around them.

• Pick your countertop before you select your cabinets. The cabinet company won’t know what height to build the lower cabinets without knowing the thickness of the countertop — they’re all different.

• Pick your backsplash before you hire the electrician. The placement of the electrical boxes will depend on the thickness of the counter’s backsplash. Will it be tile or a solid material? What thickness will the material be and will it be affixed directly to the wall or will mortar be placed between the wall and the splash? There is nothing worse than paying the electrician extra to go back and add spacers to the electric boxes because they aren’t flush with the finished surface — fire hazard!

• With certain sink/disposal combinations you may have to adjust the height of your existing drain outlet. Kohler currently offers a stainless kitchen sink 28 centimetres (11 inches) deep and ISE has a gigantic new one HP disposer. Together they fit a bit lower into the under-cabinet area than other models.

• Selecting appliances in advance will also be important to the plumber and the electrician. The plumber may need to run an icemaker line if the refrigerator has one and the electrician will have to know what size circuits will have to be run for the range, oven, exhaust fan and other appliances.

• Some sales people will offer you the least efficient alternative just to keep the price in your budget. For example: It is less expensive to use doors rather than drawers when designing a set of kitchen cabinets. However, for many users drawers provide far more efficient storage space. Also, the rails that drawers glide on vary greatly in cost and strength. There are some drawer glides that bend when the drawer is full. Better types can hold an adult doing push-ups.

You can read more here.