<h2 class = 'uawtitle'>Finding The Best Insurance Policy For Your Home</h2><br />
<div style='font-style:italic;' class='uawbyline'>by Maryl Joop</div><br /><br />
<div class='uawarticle'>To buy, or not to buy? That is the clich question. But it is also a legitimate question when it comes to many life decisions. Amongst the many important questions we have to ask ourselves is "do I need umbrella insurance?" If you don't know what umbrella insurance is, here is a quick sum up.<br />
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Umbrella insurance is not insurance for your umbrella. (Although surely there is someone out there who would buy insurance for their umbrella...) Umbrella insurance covers costs above and beyond the limits of your existing insurance.<br />
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An F1 is equivalent to 73 to 112 mile an hour winds. Tornado damage from an F1 is expected to be moderate.<br />
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An F2 is characterized by 113 to 157 mile an hour winds precluding "considerable damage."<br />
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An F3 gets pretty serious with 158 to 206 mile an hour winds, considered "severe damage."<br />
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F4's approach catastrophic with 207 to 260 mile an hour winds. These are classified as devastating.<br />
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Second, consider your personality. Are you accident prone? Are you distracted easily? How many accidents have you been in in the past? Do you like to cause trouble? Do you like to take risks? Do you have a bad temper? Do you like to argue controversial issues in public forums? Do you like to defy authority? If so, you might want to consider umbrella insurance.<br />
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Third, what is your family like? Ask the same questions listed above about close relatives for whom you might be financially responsible. But also, think about what kind of financial support your family could provide if you got in trouble.<br />
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In the words of one Colorado man, "This sure ain't the rocky mountains Dorthy", as he drove through the wind-torn states Kansas and Oklahoma. This man was taking a trip with his wife and kids. His wife's name was actually Dorthy Rue, however ironic that is. His name was Bret and they had just gotten a good way into their route back east when they saw the first tornado in their lives.<br />
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Unlike the west that is teaming with high mountains and other areas where tornadoes can't develop. These central states have long fertile plains that make tornadoes a dime a dozen. Dorthy and the kids made it out alright but their car was trashed. Brett decided that he should have bought some better Auto Insurance from Colorado.<br />
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About the Author:<br />
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<div class='uawlinks'><a href="http://affordableamericaninsurance.com/">Affordable American Insurance</a> is an independent insurance broker owned and operated in Colorado. Let us provide you with the best protection, the best service, and the best price for your <a href="http://affordableamericaninsurance.com/get-a-quote/auto-insurance-quote/#">car insurance</a> today!</div><br />
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