When hubby was assigned to live in AZ a few years back, we were provided with an apartment by his company. One of the first things I noticed during our stay there was this thing they call homeowner’s policy or house insurance. I had never heard of this before until we were offered one since this is not something that is common neither is it required from homeowners here in the PH as far as I know.

Basically, house insurance operates just like most insurance policies. Most of us, if not all of us, who own cars have car insurance to protect ourselves against any cash outlay that may arise from unforeseen circumstances like accidents, road mishaps etc. etc. Isn’t it logical to somehow protect a substantial investment such as a home purchase from unfortuitous events as well?

We live in a country that experienced 4 super typhoons in 2006. The assessed damage to homes and infrastructure caused by typhoon Reming reached almost 19 billion pesos. I don’t know if any of those homes have any form of property insurance whatsoever. Logically, whatever home improvements done to these homes is like money down the drain swept away with the flood waters with no chance of ever recovering the money already poured in it. I also think that the present climate change challenge being experienced all over makes this issue worth taking a look into.

Fortunately for those in the US, this is an option that is available to them. They have a large pool of house insurance companies with rates that can match any homeowner’s specific requirements. If you are in the US & you would like to do a comparison study on house insurance rates you can check out houseinsurancerates.com. They offer up to five free side-by side quotes to help match your needs to the right company.

As for us in the PH, if these super typhoons keep on lashing throughout our land, maybe we should ask ourselves if we are ready to protect this major investment we call homes from tremendous risks with home insurance. Think about it.

I got a call the other day from one of the telemarketers of my credit card company to inform me about a product that they have persistently offered me over and over again. Quite frankly, I got a bit irked by it already and was a bit stern (taray, di bah?) with the poor girl who was just doing her job. It wasn’t really her fault but I think it is quite irritating that her company has no tracking method whatsoever on offers that their customers have repeatedly rejected.

I was telling my hubby about my opinion on how that product they were offering was not the primary reason why I opted to get a card from them and not some other company. I just need a simple card to use in case of emergency and I don’t want to be bothered by all these third party products they offer. I wish I had discovered Your Credit Network sooner. It’s a nifty site that provides you with online credit card information about credit card companies all in one place. It’s quite a time saver especially if you are considering applying for a credit card for the first time or you want to try a new one and you want to compare products and services among the companies. When you do decide which one you like, you’ll be armed with information about the credit card company of your choice and make them lay all their cards on the table and not hide aces up their sleeve about products and services you never opted for. Go check out the site for more detailed information.

So there, that’s my 2 centavos on the matter.  Hope it’s worth something where you are. Be back later for an IOU to Jan. Ta – ta!