First American Home Buyers Protection Insurance

Reputation Insurance Is a Wise Investment

Pro: New Media Demands New Insurance

by Michael Fertik, Reputation.com

We insure the things most important to us: our life, health, home; in business, our corporate risk, revenue, key people. We insure these things because we know how precious they are.

Reputation is the most important asset a company possesses. The Economist Intelligence Unit has found that 75 percent of a company’s value is tied up in its reputation. When a company’s name gets tarnished because the chief executive is caught up in a scandal, an environmental disaster occurs, or workplace conditions are criticized, revenue falls, the stock price slides, and the acquisition of new customers slows.

Today, reputation lives on the Internet. More than 90 percent of consumers use the Web to research companies and products before buying, and 80 percent make decisions based on what they see. If a disgruntled former employee is slandering your business online, customers won’t take the time to evaluate your company’s products further—they’ll do business with your competitor instead.

There are two kinds of reputation insurance that matter. The first is “informal insurance:” building up digital reputations before problems occur by making sure companies control the top 20 Google results for their names and own the Twitter, LinkedIn, and Facebook accounts for those names. Businesses manage their reputations proactively by making sure the Internet accurately reflects their offline successes. When such companies suffer Internet attacks, they already enjoy “prophylactic” layers of technical protection.

The second is “formal insurance:” Over the past 24 months a growing number of organizations have been demanding dedicated reputation insurance products in the same way they buy errors & omissions insurance, data breach insurance, and professional liability insurance. It’s a classic use of insurance, a classic hedge, and it makes perfect sense.

100 American Home Insurance- protect your home | homexinsurance

When you buy a house you would expect that it is protected from all kinds of potential danger. Your home is your living place, where you want to keep yourself and your family secure – when there is so much of emotional and financial investment on your home, it is a must that you protect your home with insurance. For the home owners in America, there are ample American home insurance coverage options to protect your home. So, think a little if you feel you do not need home insurance.

Why do you need home insurance Like all other insurance, home insurance is also related to financial security. A home insurance will protect you financially if something unexpected like fire accidents, natural calamity or robbery happens to your home or property. This is a great relief as insurance will pay the money for damage repair. That’s important, because your home is likely to be one of your largest investments. It does not matter whether you’re a home or condo hotel  owner, landlord, or tenant, you want protection for your assets, yourself, and your guests. The replacement value of your home, its age and safety features, and the value of your belongings should all be considered when determining the amount of your homeowners insurance. If you are still paying back loans for your home, your lender might ask for insurance. If you are concerned about out-of-pocket expenses to maintain your home or property, insurance can help. You may face added and unexpected expenses for repairs, replacements, or living costs which will be taken care of by insurance. What does it cover

protects you in case of damage to your home or property, harm to your tenant or family, the protection of which is your responsibility. So, in such cases  you may be held responsible for injuring another person or damaging their property. A typical homeowner’s policy contains these kinds of coverage. But, if you feel you may need additional protection, you can purchase extra coverage.  If you have some extra valuable property at your home like arts, jewellery, antics etc, you can ask for extra protection. You may also request an increase in limits if you’ve upgraded your property. There is no dearth of options and you can choose the policy that’s right for you and your property.

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