Tuesday, July 10, 2012

Houston Area Flood Insurance 2009

Houston Area Flood Insurance 2009

Payday loans offer borrowers short-term funds for any purpose; to pay bills, to bridge the gap between this paycheck and the next or to simply complete a personal purchase when cash reserves are tight. ... Monday, July 09, 2012. Houston Chronicle ... Payday Loans Up to 00 Are Now Available with No Credit Check

houstonloansguide.com Payday Loans Houston Quick Loan application click the link to the right: goo.gl Houston Payday loans are great for anything from buying groceries to getting your car fixed to going to work, and getting the kids to school. The payday loans in Houston are flowing right now due to the large percentage of unemployment, but in a few months it will be all about Santa and taking care of the children in your home. There is nothing more heart breaking than not being able to provide a child with a few Christmas presents from Santa on December 25th. There are people in the economy that think payday loans in Houston TX are not a viable resource for getting personal loans, and in some cases they may be correct. Over all if you are a person that is just a little short on funds, and are normally careful with your money, then it will be all right to enter into such a scenario. The best rule of thumb, when getting a cash advance loan is to make an exact list of what gifts you will be purchasing, and add sales tax. Also, make sure you have all your extras such as gift wrapping, and or shipping costs if that applies to your current situation. After you have come up with your gifting budget, and checked it twice then apply for a Houston pay loan for just that amount or rounded to even number closest to the budget tally. Be sure to locate and contact at least three competing payday loan stores to make sure you are getting the best possible deal on your loan. The carrying ...

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Hurricane season starts June 1st - November 30th and FEMA reports that everyone in Harris County lives in a flood zone. Even if you haven't flooded before, someone floods for the very first time every time there is a flood. Changes in residential building and infrastructure changes the run off of water that you may not be aware of. As little as a few inches of water and cause repairs such as replacing all the flooring, up to 5 feet high of sheetrock and insulation, plus the cost of fans to prevent mold growing as most insurance policies don't cover mold.

-Everyone lives in a flood zone. (For more information, visit floodsmart.gov
-Most homeowners insurance does not cover flood damage.
-Just an inch of water can cause costly damage to your property.
-Flash floods often bring walls of water 10 to 20 feet high.
-A car can easily be carried away by just two feet of floodwater.
-Hurricanes, winter storms and snowmelt are common (but often overlooked) causes of flooding.
-New land development can increase flood risk, especially if the construction changes natural runoff paths.
-Federal disaster assistance is usually a loan that must be paid back with interest.

For a $ 50,000 loan at 4% interest, your monthly payment would be around $ 240 a month ($ 2,880 a year) for 30 years. Compare that to a $ 100,000 flood insurance premium, which is about $ 400 a year ($ 33 a month).
-It takes 30 days after purchase for a policy to take effect, so it's important to buy insurance before the floodwaters start to rise.
-Your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire.
-Last year, one-third of all claims paid by the NFIP were for policies in low-risk communities.
-The average annual U.S. flood losses in the past 10 years (1994-2004) were more than $ 2.4 billion.

Below are packaged prices for zones that don't have a history of flooding in Harris county, typically referred to as "non flood zones". This is a government policy so the price should be the same, no matter which company the policy is purchased from.

Building and Contents Coverage (Without Basement) for Harris County

Building................Contents.................Premium

$ 20,000.00.............$ 8,000.00...............$ 119.00

$ 30,000.00.............$ 12,000.00.............$ 148.00

$ 50,000.00.............$ 20,000.00.............$ 196.00

$ 75,000.00.............$ 30,000.00.............$ 230.00

$ 100,000.00...........$ 40,000.00.............$ 257.00

$ 125,000.00...........$ 50,000.00.............$ 277.00

$ 150,000.00...........$ 60,000.00.............$ 296.00

$ 200,000.00...........$ 80,000.00.............$ 326.00

$ 250,000.00...........$ 100,000.00...........$ 348.00

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