Things to Remember when Renewing your Home Contents and Home Buildings Insurance

At National Access Long Distance we go above and beyond to make sure you are getting a great rate on your long distance.  Make sure you are also being smart with your money on your home contents and buildings insurance with these facts.

Each year when our renewal notices come through the post for our home contents insurance and/or home buildings insurance, most of us automatically sign the form and send it back to the insurance company – after all, we already know how much the premiums are going to be.  Big financial mistake, and here are 4 reasons why:

Did You Buy Anything New In The Last Year?

If you bought anything new in the last year, say a new television or video recorder, then the value of this new purchase will not be included in the renewal notice you just sent off to the insurance company.  Likewise, if you sold anything of value over the last year, and have not informed the insurance company, then you are paying home contents insurance for something you no longer own.  Either way, your not paying the right amount of insurance premiums.

Did The Costs Stay Static?

If you have home contents insurance then you are insuring your personal property for the replacement cost of buying the same thing new.  On the other hand, part of your home buildings insurance should cover the cost of labor and materials.  Now ask yourself, would the cost of replacing the picture hanging in your living room be the same today as it was last year?  If the answer is that it would cost you more, tough luck, you’ll only get paid out what you said the cost of replacing it would be!  The same can be said of your friendly builder, would he charge you the same for an hour of his time and for his materials today as he would have done last year?  If the answer here is no, then you should be expecting to pay him the difference.

Did The Value Of Your Home Stay The Same?

Similar to the above, with your home buildings insurance you need to be asking yourself whether or not the value of your home stayed the same this year as it was last year?  You need to be asking yourself this question even if you didn’t do any work to the house – such as building an extension – that would naturally automatically add value to your home.

Is Your House Any Safer Today?

Here the question is, have you done anything to your house over the last year that would mean your home would be considered safer today than last year?  For example, did you add any deadlocks to your doors or windows?  If so, then there’s a very good chance your home contents insurance premium would be reduced, as the security in your house is a major consideration in assessing your premium (along with the crime rate in your neighborhood, so you may also want to check and see if this has gone up or down also).

Keep in mind that time stands still for no man.  As such, you need to read your home contents insurance and/or home buildings insurance renewal notices very carefully to make sure that they reflect, as accurately as possible, your life today and not your life of yester-year.

To save money on your long distance bill contact us today!  Visit us at www.na-ld.com.

Don't Limit Yourself, Get a Landline

While cell phone have many advantages with mobility, they have many disadvantages with the use they were created for…calling someone.  You can do just about anything on your cell phone these days except call the person you need to get ahold of.

The reasons vary but all seem to have the same problem of not being able to get in contact.  Your battery is dead, you are out of minutes, there is no signal, etc.  When you need to get a hold of someone, you don’t want to hold your phone in the air searching for a signal. 

Your landline doesn’t have access to Candy Crush or work as a calculator; however it does make a phone call when you want it to.  Isn’t that what you wanted from your mobile phone originally?

We understand you aren’t getting rid of your cell phone; we just want you to remember not to get rid of your landline.

The landline provides clear phone calls every time you call no need to worry if you are roaming.  You pay per minute with the landline at a reasonable price.  There aren’t overage fees or roaming fees.

If your objective is to get ahold of someone when you call them, keep the landline around for all your home or business calling needs.  Save money on your landline with long distance by National Access Long Distance!

Your Family Wants Their Home Phone Back!

Could there be anything more important than the safety and security of our families.  Many would say nothing is more important and a landline is a way of providing protection.  With a landline home phone, the household is provided with not only stability, but a reliable way to contact people. 

Landlines are capable of working in times of crisis, like when the power goes out, or a natural disaster.  The home phone can work without power and does not rely on cell phone towers or radio waves.  When cell phone towers jam, trust your landline to get the call done.

Your family’s safety may not seem to depend on the landline, but when your family is at home, the landline is the more reliable option.  A cell phone is great for the road, for your teenager to contact you when over at a friend’s house.  However, what about when you want to check and make sure they are safe at home?  The responsibility of a cell phone for your children may be a larger one than you anticipated.  If they forget the cell phone at school and take the bus home, how are you able to know they have safely arrived?

In the occurrence of an emergency where the caller is unable to communicate, the 9-1-1 operator is still capable of sending emergency response service providers to the emergency location.  When dialing 9-1-1 from a landline, the system automatically reports the phone number and the address to a 9-1-1 dispatcher and the information is relayed to the emergency response team to ensure the quickest response time.  This is an important subject to take into consideration when making a decision that could affect ones family and household.  Many who live in condos or apartments face the added problem of the 9-1-1 response teams only locating the building, they cannot tell the exact number of the apartment or condo.

Some argue, cellular phones are cheaper and a more effective way to reach out, however what happens if there is an emergency where the caller must stay silent.  The landline allows the caller to be located without any assistance or speaking. However, if calling with a cell phone the emergency operator requires an address for fast response time.  At best, the 9-1-1 operator may receive a call back number and possible coordinates.

The average cost of having and maintaining a land line home phone, is around $25 a month for most families, what a small cost for the added protection.

Protect yourself and your loved ones with a landline.  Contact National Access Long Distance for affordable long distance services.