For most people their home is their biggest investment. In 2006 the median price for a home is expected to be $231,000. And of course everyone has insurance on their house. Everyone has insurance on their car as well. But more people have alarms for their car than their home. How does that make any sense?
Most people associate home security alarms with high ticket home security systems, home security alarm systems or home security monitoring that can cost $70 a month or more. I recently heard of a new home security company in New Mexico that is hiring ex police officers only to respond to alarm calls from members because quite frankly the response time from the police department was way to slow. Monitored security systems are effective no question about that. The question is-is there an effective way to protect your house without sending you to the poor house.
Obviously there is a point where cost becomes prohibitive. Each situation is different for sure. Depending on the risk level of the area in which you live many low cost home security devices will do the job just as well as the high priced toys. Remember the objective is to prevent a burglary-keep the intruder from intruding.
Recently in Colorado Springs a woman was saved from an uncertain fate by an intruder trying to get into her house. She was awakened in the middle of the night by her barking dogs. Now I am not suggesting that everyone get a dog because quite frankly a lot of dogs are not suited for this anyhow. But let’s look at some inexpensive alternatives that do work.
The simplest and least expensive are security alarms activated by opening a window or door. When the alarm is activated a 110 decibel alarm goes off. Other systems using infrared technology detect motion in a room and set off an alarm. Yet another device sets of a realistic barking dog sound when movement is sensed from 30 feet away thru doors and walls. The barking gets louder and more frequent as the intruder approaches.
One more system that has a broader appeal is a motion activated annunciator system that can detect movement from 1000 feet away and “lets you know” if someone is approaching in your driveway, back yard or patio. This system can trigger a floodlight if it senses movement in a designated area. It can monitor up to six zones.
There are many home security alarms available that will do the job effectively without breaking the bank. Why take a chance with such a valuable investment. There are many choices available-one has to be right for your home.
Chances are very good that you are reading this because in some way crime has touched your life or you want to be proactive and protect yourself, family, home, or business from the ravages of crime. That is the first step.
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Filed under auto insurance price quote by on Jun 6th, 2010. Comment. 
More and more pet owners are buying pet insurance these days. If you feel this is a big waste of money, I will try to change your mind.
Veterinary science is making big strides forward. Procedures that used to be reserved for humans only are now available to pets. As a result, our pets are living much longer and healthier lives than they did just a short time ago.
While all this is good, veterinary costs are skyrocketing. Some procedures can cost up to $5,000.
Faced with a huge bill and no pet insurance, the only option available to many dog owners is putting their pet to sleep. A good dog health insurance policy can change all that.
OK, you are convinced that it’s a good idea to buy an insurance policy for your pet. But what distinguishes a good dog insurance policy from a bad one?
Before You Buy Pet Insurance…
Let’s review some of the questions you need to ask before you buy a pet health insurance.
- How stable is the company you are planning to buy pet insurance from? Have they been in business for a long time?
- Are there any procedures the policy will not cover?
- Will I be able to choose my own veterinarian or will I need to see only participating veterinarians?
- Will the policy pay for conditions that existed before you purchased the policy? Most pet health insurance policies will not, but some will and it’s worth asking.
- Will the policy pay for visits to a specialist?
- Will the pet insurance policy pay for preventive visits?
- What are the conditions for termination of the policy?
- Is there a deductible and how much is it?
- Will the policy pay for medications?
- Is there an age limit?
- Finally, you need to ask what the premium will be…
While you should expect to have some out of pocket expenses, make sure that in a case of emergency, all the procedures necessary for your pet’s recovery will be covered.
Ask your veterinarian what pet insurance he or she can recommend. If you know more than one vet, ask for several opinions and then do your own research. And before you sign on the dotted line, don’t forget to read the small print!
A good pet insurance can save you a lot of money if your pet gets seriously ill. But if you don’t want to be stuck paying for procedures you thought were covered, you need to be very careful. Ask the right questions, ask for recommendations, read the small print and make sure the company is stable. Good luck!
Ed Nodelman is a dog owner and a trainer with a special interest in puppy training. He is also a member of Association of Pet Dog Trainers (APDT).
For more information on dog health problems, visit www.puppy-training-solutions.com
Filed under Health Insurance by on Jun 4th, 2010. Comment.