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Damage to Your Home



Be certain to double check your policy and make sure you are covered adequately. You may have to purchase separate insurance for fire, flooding or other natural disasters.

You can keep costs down by evaluating the likelihood of each event and adjusting your deductible to reflect the risk. You can often get a discount for having storm shutters or smoke detectors.

Damage to your home could be minor enough to warrant a do-it-yourself fix rather than filing a claim and seeing your rates skyrocket. A little roof damage with no leaking or structural harm is often no reason for a whole new roof. You might be better served by climbing up and re-shingling the affected portion.

In the case of major damage or a whole home loss, make sure your policy covers emergency housing. A hotel is highly preferable to a shelter, especially if you have children.

Burglary and Theft

If someone breaks in and steals all of your electronics, your jewelry and your prized purebred cockatoo, you might not ever get back the sentiment of your lost property but you should be able to replace its monetary value.

The number one way to be sure you are adequately recompensed is to keep receipts for everything valuable that you purchase, snap a photo of it too, and keep both with a copy of your policy in a safe secure place.

For some items, the insurance will only pay for actual cash value, so consider getting replacement value insurance for items like expensive televisions or computers. Very high dollar items like a diamond ring may be subject to limitations unless you get a rider on your policy that covers that specific item. The insurance company will want an appraisal for riders.

You can usually get a discount on the personal property portion of your policy if you have a security system.

Accident Liability Coverage

If a guest in your home is hurt, the injured party can file a claim on your homeowners insurance policy. It is very, very important to have adequate liability insurance if you have children and their friends come over to play on a regular basis.

An umbrella policy will cover claims up to a million dollars, but be cautious about advertising the fact that you have high coverage; some people are unscrupulous enough to fake a fall if they think you are worth suing!

Umbrella policies are an especially important option if you have a dog, swimming pool, or trampoline in your yard that could pose a hazard to visitors.

Many Americans don't even know what they are covered for, and misconceptions abound. Making sure that you have sufficient coverage is just responsible!

Make sure you know what you are covered for and where you are vulnerable, and consider what homeowners insurance you should have to cover every eventuality.
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The fact is Nokia, with headquarters in Finland,  is on top for a reason.  They not only listen to what the consumerwants-they do something about it.  Theyare the world's leading cell phone manufacturer and if things continue the waythey have been, they will continue on their roll.  With a global market share of approximately34% in the second quarter of 2006, they're aiming higher by releasing new andimproved models.Nokia's new release, the Nokia 5300 XpressMusic holds about1500 music tracks on their 2 GB microSD card and users can listen to theirmusic while they use other features, like texting or the camera.  If you want to listen to music in a publicplace, just plug in your headphones and if you prefer to listen to the musicyou've saved on a stereo, you can simply utilize their Nokia Wireless AudioGateway AD-42W and you can play your music on any stereo.  The Nokia 5300 also has other top qualityfunctions such as a 1.3 mega pixel camera and high-resolution video ringtones.    When it becomes available, theconsumer should be able to purchase for just over $300.

The Nokia 5300 XpressMusic, however, is not theonly music phone they've come out with. The Nokia 5200 also gives the consumer top quality music functions andwill cost the consumer approximately $250. The Nokia 3250 XpressMusic is of a different design, giving it a moreunique look and consumers will still be able to hold about 1500 musictracks.  More expensive, it will retailfor approximately $500.

Nokia has come a long way from when it came outwith the first mobile phone in the 1970's in the form of field radios for theFinnish Defense Forces.  However, itwasn't until the late 1980's that the mobile phone technology allowed forinternational calls and the cell phone craze began.  From then on, Nokia has remained on top, evenwith some difficulty it faced in 2004 when they failed to adapt to the markettrends.  While they have been behindothers in new design innovation, Nokia is working to reestablish themselvesamong their competitors as has plans to retain their number one position in cellphone technology.

While cell phone technology may one of Nokia's topincome producing departments, Nokia has their hands in many differentthings.  Nokia Enterprise Solutionsprovides a wide variety of businesses with a vast array of business solutions.  They also have divisions in multimedia andnetworking, putting them at the forefront in the technology of today.

Nokia has the right outlook-they want to keep theconsumer happy and the consumer continues to be the top priority forNokia.  Their continuous goals are to:create top of the line devices to be used by the consumer, include top qualityInternet services as part of their offerings, provide enterprise solutions,build scale in networks, and expand their line of professional services.  Their strategies for providing all of this-byprioritizing and investing in brand and design and commitment to thecustomer.

The fact is Nokia top priorities are to be thenumber one provider of customer service and products.  They don't just want to sell the most cellphones or provide the most service, they want to make certain the consumers arehappy with what they are receiving and they want return customers.  They understand that in order to design thebest-of-the-best, they need to understand what the consumer wants from aproduct or service.  While they did havea small downfall in 2004 in following the direction they had set forthemselves, they are back in line to provide the consumer the best possibleexperiences in today's technology.

In order to become the number one provider to theconsumer, approximately 36 percent of Nokia's workforce is in Research andDevelopment, where they have centers located in 11 different countries andemploy over 20,000 people.  TheirResearch Centers are responsible for the increasing technological advances inthe industry but also for adapting to changes in market trends and respondingwith knowledge and innovation.

Second in line to Nokia is Motorola.  Working Mother magazine has just announcedthis month that the company made the 2006 Working Mother 100 Best Companylist.  This means a lot to those all overthe world and you'll find that Motorola employees are happily trying to beatout Nokia's number one position.  They,too, have prioritized and are working diligently to beat out all theircompetitors in offering top quality products and services.  Whether its Bluetooth products, homenetworking, dispatching products, or virtual private networks, Motorola willhave it, as they are known for their vast array of services in the UnitedStates and many other countries.

Motorola has just come out with several newproducts, including the Motorola SLVR. This sleek designed cell phone has many features that consumers demandand they are top quality.  The MotorolaSLVR is able to store music tracks and has Bluetooth technology.  Again, however, Nokia has outdone Motorolawith the Nokia 5300 XpressMusic.  Notonly does the Nokia 5300 XpressMusic allow for more music to be downloaded, ithas several more advanced features and capabilities than the MotorolaSLVR.  Consumers know this but all itwill take is one slip up for Nokia to lose its place.

So what will it take for someone, such as Motorolato take over the number one position in cell phone technology?  The most important thing that Nokia can do isstay on top of the market trends and listen to what features the consumerwants.  Without their top-qualityResearch and Development, they will not be able to stay where they are and theymust continue to excel in this area. Motorola, in fact, could easily overtake their position if Nokia makesanother mistake like they did in 2004.

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Both Rayven Perkins & Jawahn are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Rayven Perkins has sinced written about articles on various topics from Herpes Cure, Surrogacy and Pregnancy and Family Planning. Rayven Perkins has been a stay at home mom, surviving on one income, for over 8 years. Visit her site fo. Rayven Perkins's top article generates over 450000 views. to your Favourites.

Jawahn has sinced written about articles on various topics from Air Travel, Nokia Phones and Travel and Leisure. This article has brought to you buy your consumer electronics. Jawahn's top article generates over 8100 views. to your Favourites.
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