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Insuring Your Overseas Home

The number of UK residents how now have overseas homes is steadily on the increase. In some cases these overseas homes are for holiday purposes, such as with Spain, in other cases they’re bought for the purpose of spending at least part of the time of the owner’s retirement, such as with Cyprus. Either way, more often than not the British owner of the home would prefer not to have the overseas home insured by an offshore insurance provider, but rather by an insurance provider closer to home.

So, if you have an overseas home and would like a UK home insurance company to provide you with insurance, what can you expect to get,

Home Contents and Home Buildings Insurance

A number of providers of overseas home insurance policies have merged the home contents and home insurance policies to be an amalgamated overseas home insurance policy. This mega policy should cover you for both circumstances.

Public Liability Insurance

Should be a must, especially if you are considering renting the overseas home out for the part of the year that you are not there.

Lost Earnings

If you think that renting your overseas home about is going to be a major money spinner for you, you may well want to consider insuring yourself against any lost earnings. Basically, this insurance will reimburse you if your holiday tenants suddenly have to cancel.

Theft

As with mainland UK home insurance policies, you need to make sure you are protected against theft. All the usual precautions about invoicing your possession needs to be taken into consideration with your holiday home. Also, you need to check the excess deductibles carefully, as in most cases this can range from 50 – 200

Natural Disasters

As recent natural disaster such as the hurricanes, tsunami, and earth quakes have shown, certain geographical regions outside of the UK are more prone to natural disasters than the UK itself is. Consequently, you should make sure that your overseas home is adequately insured against this risk.

Insurance for your overseas home can be arranged cheaply over the internet, or else you can arrange to have the insurance provider by a specialist overseas home insurance company in your area. Do keep in mind that as this is effectively your second home, your home insurance premiums will be marginally higher than you may normally be expected to pay with the home you live in, especially if you are using the home in any way to generate income.

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Should I Purchase Travel Insurance, Travel Tips

This is one of those age-old questions with no definitive answer. It’s estimated that 30 percent of Americans purchase travel insurance, which is a drastic increase since 9/11, when less than 10 percent of travelers were insured.

If you’re flying on a $150 ticket to see Aunt Irma in Wisconsin, you probably don’t need travel insurance. But on a trip such as yours, travel insurance can come in handy if something unexpectedly disrupts your trip. Your first step is to compare the cost of the trip versus the cost of the policy.

The most common situations when travel insurance comes in handy are:

Your flight is canceled

Your passport and wallet are stolen

You require medical treatment while abroad

You need to cancel your trip due to illness

An unexpected hurricane hits your destination

Your airline/cruise line/tour company go bankrupt

Reasons NOT to purchase travel insurance are:

You’re afraid of terrorism

A hurricane is going to hit your destination (this applies if the storm has already been named by the National Weather Service)

Your pet is ill

Your flight is delayed for so long that you want to cancel

One major caveat: Never purchase travel insurance from the same tour operator or cruise line with which you’re traveling. If that company goes out of business, there may not be money to cover your claim. Use a third-party provider (that includes travel agents).

Also, don’t forget about medical insurance. Even if you are covered for basic emergency care overseas, in almost all cases, your current health insurance does NOT cover you to evacuate you and fly you back to the U.S. Something called “Medical Evacuation and Repatriation” insurance comes in handy here. You pay a yearly fee, and if you get sick or injured overseas, the policy will get you treated, stabilized and flown back to the U.S. to the hospital of your choice, not theirs. There are a number of good companies that provide this type of plan, such as MedJet Assist.

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Camping 101: What You Need To Know

If you’ve ever been camping before, then you know how hard it is to plan a camping trip. You have to find the right location for a camp site, choose what to bring, plan for bad weather, and more. Luckily for you, planning your next camping trip can be easier thanks to the following article.

Take along plenty of drinking water. You need to stay hydrated, and you will need the water to prepare your food. Depending on the nature of your camping trip, this water may also be needed for clean-up and washing of the hands. It is better to bring along more than you need than not enough.

If you have never been camping before, then be sure to bring extra of everything. This is most important for things like food and drinks. Since you are inexperienced you may underestimate how much food you actually need. Remember, you will probably be very active, and therefore need more food than normal.

Bring your cellphone with you when you go camping. Even if you are serious about roughing it, cell phones are still very useful in emergencies and should not be left at home. A cell phone is no longer a hobby, and when you go camping it can help you reach police and emergency personnel–bring it.

Take only photos and leave only footprints. That is the rule of thumb when camping. Only use the natural resources that you need and do not leave any traces that you were camping when you leave. Pick up all trash, extinguish and cover any fire pits, bury all human waste, and make the area where you camped look exactly as it did when you found it.

Bring along multiple methods for starting a campfire when car camping. Furthermore, be sure to keep them packed in different areas so you’ll have a spare on hand if one gets wet or lost. For instance, you can pack a waterproof lighter in a backpack, some matches with your cookware, and some dry kindling in your trunk.

Especially if you live in a hotter climate, you need to make sure you know how to get ice. Ice melts rather fast, and you’re going to need more. Sometimes you can buy ice at the campsite, or sometimes at a store, but there are times when ice isn’t so close to where you’re camping.

Did you just finish an extended camping trip and what something nice and greasy to eat from the local burger shop, While it may taste delicious, you should probably ease back into fast food or else your stomach may not be too happy with you. Try to stick with healthier foods for a couple of days at least.

Hopefully after reading this article, you can have an easier time planning your camping trip. Camping is an experience that should be enjoyed by everyone, and it should be as easy as possible. Once you put the information presented here to good use, you’ll be camping with ease in no time.

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