https://wiki.vostrove.ru/index.php?action=history&feed=atom&title=%D0%9B%D0%BE%D0%B1%D0%B0%D0%BD%D0%BE%D0%B2%D0%B0_%D0%A2%D0%B0%D0%BD%D1%8FЛобанова Таня - История изменений2026-05-05T16:55:24ZИстория изменений этой страницы в викиMediaWiki 1.31.6https://wiki.vostrove.ru/index.php?title=%D0%9B%D0%BE%D0%B1%D0%B0%D0%BD%D0%BE%D0%B2%D0%B0_%D0%A2%D0%B0%D0%BD%D1%8F&diff=86350&oldid=prevBbb: Перенаправление на Лобанова Татьяна2024-10-10T19:02:51Z<p>Перенаправление на <a href="/index.php?title=%D0%9B%D0%BE%D0%B1%D0%B0%D0%BD%D0%BE%D0%B2%D0%B0_%D0%A2%D0%B0%D1%82%D1%8C%D1%8F%D0%BD%D0%B0" title="Лобанова Татьяна">Лобанова Татьяна</a></p>
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<td colspan="2" style="background-color: #fff; color: #222; text-align: center;">← Предыдущая</td>
<td colspan="2" style="background-color: #fff; color: #222; text-align: center;">Версия 19:02, 10 октября 2024</td>
</tr><tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l1" >Строка 1:</td>
<td colspan="2" class="diff-lineno">Строка 1:</td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">What do you like the most about your home - the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms?</del></div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">#redirect </ins>[[<ins class="diffchange diffchange-inline">Лобанова Татьяна</ins>]]</div></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Or is it the fact that your home probably makes up maybe the biggest part - of your total net worth?</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Either way, you have to protect what you have, using homeowner's insurance.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Although there were reports a few years ago of higher prices and limited availability for homeowners insurance, the market has opened up again, according to J. Robert Hunter, insurance director for the Consumer Federation of America. Premiums are expected to rise by no more than the inflation rate this year, he said.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">"The market remains a competitive one where homeowners' insurance shoppers can be selective," said Marshall McKnight, a spokesman for the state Department of Banking and Insurance.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Here are several ways to save on home insurance:</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Shop around. While many homeowners believe that all insurance companies charge the same, that's an expensive mistake. Use a service such as ours to compare rate quotes from different companies if YOUR area. To get started, just use the form on the right. </del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">"You can go from one company to another and pay twice as much," said Hunter.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">And don't just call an agent and expect him to do the shopping for you, Hunter advised, because agents don't represent all companies and might not get you the best deal.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Insure for "replacement cost" rather than "actual cash value." After all, if your belongings are destroyed, do you want the insurance company to send you enough to buy a new couch - or do you want a $50 check for the actual value of your 11-year-old couch?</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Make sure you are covered for at least 80 percent of the cost of replacing your home. If you're not, it could hurt you even if your home does not need to be completely replaced.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Let's say your home would cost $200,000 to replace and you're insured for only $100,000, half of the replacement cost. If you have a $10,000 loss, you would get only half of that amount, or $5,000.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Of course, knowing how much it would cost to replace your home is not always easy. For example, I know how much I paid for my home, and how much I could probably sell it for, but I don't have a clue how much it would cost to rebuild if it burned down.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">The state Department of Banking and Insurance and the Insurance Council of New Jersey recommend that homeowners in this situation should consult their insurer, who will be able to estimate the cost of rebuilding based on the size and location of the home.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Think twice before calling your insurance company with small claims for minor home damage. There have been reports of homeowners facing much higher premiums after putting in only two claims. So if it's a loss you can handle, take care of it yourself.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">And, in that vein, consider a higher deductible.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">"If you're not going to file a small claim, it's no use paying a premium to be covered for an amount you wouldn't file for," Hunter said.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">"Eve </del>[<del class="diffchange diffchange-inline">http://www.homeownersinsuranceflorida.us/naples-home-insurance.html websites] ry do [http://www.homeownersinsuranceflorida.us/navarre-home-insurance.html  3] llar y [http://www.homeownersinsuranceflorida.us/northdale-home-insurance.html  visit site] ou g [http://www.homeownersinsuranceflorida.us/north-fort-myers-home-insurance.html  1] ive t [http://www.homeownersinsuranceflorida.us/north-lauderdale-home-insurance.html  u rl] o a [http://www.homeownersinsuranceflorida.us/north-miami-home-insurance.html  visit this site] n insu [http://www.homeownersinsuranceflorida.us/Oakland-Park-home-insurance.html  web] ran [http://www.homeownersinsuranceflorida.us/Oakleaf-plantation-home-insurance.html  she said] ce co [http://www.homeownersinsuranceflorida.us/Oak-ridge-home-insurance.html  web] m [http://www.homeownersinsuranceflorida.us/Ocala-home-insurance.html  read] pany, on average you only get back 60 cents," Hunter said. The rest goes to the insurance company's profit and overhead. So if you can self-insure for smaller losses, you should.</del></div></td><td colspan="2"> </td></tr>
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<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Ma [http://www.homeownersinsuranceflorida.us/wekiva-springs-home-insurance.html  (visit site)] ke su [http://www.homeownersinsuranceflorida.us/wellington-home-insurance.html  in the know] re you [http://www.homeownersinsuranceflorida.us/wesley-chapel-home-insurance.html  sites] r home ins [http://www.homeownersinsuranceflorida.us/westchase-home-insurance.html  will speak] uran [http://www.homeownersinsuranceflorida.us/westchester-home-insurance.html  the] ce po [http://www.homeownersinsuranceflorida.us/west-little-river-home-insurance.html webpage] licy inc [http://www.homeownersinsuranceflorida.us/weston-home-insurance.html  1] ludes en [http://www.homeownersinsuranceflorida.us/west-palm-beach-home-insurance.html check out the post right here] ough liabi [http://www.homeownersinsuranceflorida.us/west-pensacola-home-insurance.html  click here.] lity insu [http://www.homeownersinsuranceflorida.us/winter-garden-home-insurance.html  read more here] rance, in ca [http://www.homeownersinsuranceflorida.us/winter-haven-home-insurance.html  talks about it] se someo </del>[<del class="diffchange diffchange-inline">http://www.homeownersinsuranceflorida.us/winter-park-home-insurance.html  us</del>] <del class="diffchange diffchange-inline">ne is inju [http://www.homeownersinsuranceflorida.us/winter-springs-home-insurance.html  web site] red on you [http://www.homeownersinsuranceflorida.us/wright-home-insurance.html  great post to read</del>] <del class="diffchange diffchange-inline">r property.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Consider buying your home and auto insurance policies from the same insurer. Some companies will take 5 to 15 percent off your premium if you buy two or more policies from them.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">You can get discounts if you install smoke detectors, deadbolt locks or burglar alarms.</del></div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2"> </td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">Keep your credit history clean. Insurance companies are increasingly checking credit reports to set their rates.</del></div></td><td colspan="2"> </td></tr>
</table>Bbbhttps://wiki.vostrove.ru/index.php?title=%D0%9B%D0%BE%D0%B1%D0%B0%D0%BD%D0%BE%D0%B2%D0%B0_%D0%A2%D0%B0%D0%BD%D1%8F&diff=6948&oldid=prevTerafmuflmzruyComp: Новая страница: «What do you like the most about your home - the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms? Or is it the fact that your home prob...»2012-07-23T16:49:56Z<p>Новая страница: «What do you like the most about your home - the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms? Or is it the fact that your home prob...»</p>
<p><b>Новая страница</b></p><div>What do you like the most about your home - the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms?<br />
<br />
Or is it the fact that your home probably makes up maybe the biggest part - of your total net worth?<br />
<br />
Either way, you have to protect what you have, using homeowner's insurance.<br />
<br />
Although there were reports a few years ago of higher prices and limited availability for homeowners insurance, the market has opened up again, according to J. Robert Hunter, insurance director for the Consumer Federation of America. Premiums are expected to rise by no more than the inflation rate this year, he said.<br />
<br />
"The market remains a competitive one where homeowners' insurance shoppers can be selective," said Marshall McKnight, a spokesman for the state Department of Banking and Insurance.<br />
<br />
Here are several ways to save on home insurance:<br />
<br />
Shop around. While many homeowners believe that all insurance companies charge the same, that's an expensive mistake. Use a service such as ours to compare rate quotes from different companies if YOUR area. To get started, just use the form on the right. <br />
"You can go from one company to another and pay twice as much," said Hunter.<br />
<br />
And don't just call an agent and expect him to do the shopping for you, Hunter advised, because agents don't represent all companies and might not get you the best deal.<br />
<br />
Insure for "replacement cost" rather than "actual cash value." After all, if your belongings are destroyed, do you want the insurance company to send you enough to buy a new couch - or do you want a $50 check for the actual value of your 11-year-old couch?<br />
<br />
Make sure you are covered for at least 80 percent of the cost of replacing your home. If you're not, it could hurt you even if your home does not need to be completely replaced.<br />
<br />
Let's say your home would cost $200,000 to replace and you're insured for only $100,000, half of the replacement cost. If you have a $10,000 loss, you would get only half of that amount, or $5,000.<br />
<br />
Of course, knowing how much it would cost to replace your home is not always easy. For example, I know how much I paid for my home, and how much I could probably sell it for, but I don't have a clue how much it would cost to rebuild if it burned down.<br />
<br />
The state Department of Banking and Insurance and the Insurance Council of New Jersey recommend that homeowners in this situation should consult their insurer, who will be able to estimate the cost of rebuilding based on the size and location of the home.<br />
<br />
Think twice before calling your insurance company with small claims for minor home damage. There have been reports of homeowners facing much higher premiums after putting in only two claims. So if it's a loss you can handle, take care of it yourself.<br />
<br />
And, in that vein, consider a higher deductible.<br />
<br />
"If you're not going to file a small claim, it's no use paying a premium to be covered for an amount you wouldn't file for," Hunter said.<br />
<br />
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<br />
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<br />
Consider buying your home and auto insurance policies from the same insurer. Some companies will take 5 to 15 percent off your premium if you buy two or more policies from them.<br />
<br />
You can get discounts if you install smoke detectors, deadbolt locks or burglar alarms.<br />
<br />
Keep your credit history clean. Insurance companies are increasingly checking credit reports to set their rates.</div>TerafmuflmzruyComp