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It's true, not only human's have health insurance these days but that right is also being extended to the kitties and pooches of the world.

For those of you who have pets know that taking your pet to the vet can be nearly as expensive as you yourself taking a trip to your doctor which is why it makes sense to avoid those unforeseen veterinary costs by considering pet insurance. It's not just for humans anymore and is well worth getting.

You never know when you're pet is going to get sick, they eat all kinds of things and like to go exploring and because of that wonderful adventurous nature they all possess will eventually find themselves at the vet's surgery sooner or later.

And when they do fall ill, it's a powerless feeling that your pet's life hangs in the balance based purely on financial factors. It's a difficult decision to be faced with especially when they are considered part of the family.

Four years ago my dog Tyrone had to have surgery on his left leg for a torn cruciate ligament, it cost $4,500! He was a hyperactive dog and so was always getting himself into mischief. A year later he needed x-rays for his hips and pelvis, the cost was another $700, then not long after he needed eye surgery to remove a cyst on his lower eyelid, this set me back another $700.

My attitude after each procedure was that he would be fine now and at least he wouldn't need that surgery again. What the reality was, is that something at some point would always crop up and that it was just a matter of time. So then I made the decision to get pet insurance and only wished I'd done it from the start.

To make sure your pet is taken care of and to be kind to yourself financially, you should seriously consider a good pet insurance plan. You can choose from a range of pet healthcare services which can also be extended to cover other pets if you have more than just one.

Providing your pet with insurance is not being wasteful but forward thinking. Don't let the issue of money dictate your decisions when it comes to your pet's life.

Pets are part of the family too and are worth it so check out pet insurance because you never know when you just might need it, and if your pet is anything like mine, the sooner the better.

This is basically the policy that protects your home. It is an agreement between you and an insurance company that you will be paying a certain amount (known as deductible) monthly, every six months, annually or any how you agree upon. Then in event of any loss or damage to your house they would pay you a predetermined sum. The insurance company would also pay for any injury that is incurred on your property for which your are responsible. This would cover specified period of time as agreed by both parties.

The basic home owner's policy does not cover natural disaster. You would therefore need to take out extra coverage to protect you in times of natural disaster. Most mortgagors would insist that you get a basic home owners insurance policy before they do business with you. But like I mentioned, it is not always the best to take out only the basic policy.

Home owner's insurance policy has different typed of coverage. They include:

1. The basic home owner's insurance policy covers the following: damage or destruction to the house and property arising from explosion, riots/civil unrest. Fire/lighting, volcano eruptions, vehicles, aircrafts, wind/hail, self destruction (part of the house falling on itself), theft, smoke and vandalism.

2. Plan 2 covers loss or damage to house and property arising from all the disasters listed in number one and also an addition of the following; a)water damage (dishwasher breaks, washing machine overflows), (b) electrical power surge (c) snow damage (like snow falling trees).

3. The thirds plan covers number 1 and 2 and also specialty items. The only events on the exclusion lists are earthquakes, war and nuclear blasts and floods.

4. Complete risk coverage: This covers any loss and damage to the house and property. Remember to always read and understand everything that is listed in the exclusion list

5. Renters insurance policy: This covers only the property of the tenant in a house from the disasters listed in number 1 and 2

6. There are special policies for homes with historical value. The policy only covers the disasters listed in number 1 and is limited to repair or cash value of the items involved. The policy does not cover rebuilding costs because most of these buildings are often times higher than the current market value. (Especially the historic aspects of the house).

7. Condominium Insurance: This is similar to the renters' insurance policy.

All these plans come with variation. It all depends on the insurance company and the need of the person buying the insurance policy.

For you to get the best out of your home insurance policy, you need to make out time to shop.
Just as you took out time to look around for a house to buy, you also need to carefully check out quotes from different insurance sites and compare prices and services. This way, you'll be able to get what is best for you and at an affordable price too!

Here are recommended pages for home insurance quotes...

InsureMe Home Insurance Quotes

Home Insurance Quotes

Chisomeje Odimba writes for Quality-Insurance-4-Less.