Published / by stepone / Leave a Comment

StepOne provides guidance and practical resources to councils and community groups interested in implementing community cohesion initiatives in their local areas.

The site features downloadable ‘best practice’ case studies covering a range of communities and issues, especially those which:

  • Reduce racism, intolerance, and negative stereotypes
  • Build positive and sustainable relationships between communities
  • Get communities working together and interacting
  • Deal with the ‘difficult stuff’ of living together, not just soft multiculturalism
  • Move beyond the ‘multicultural festival’ model (food, dance etc)
  • Show us how to live in harmony, making the most of our racial, cultural, social and religious diversity.

Car Insurance Quote Tips

Published / by stepone / Leave a Comment

Car Insurance Quote Tips

Consumers have been battling steep car insurance quotes for a long time. These car insurance quotes keep increasing. Car insurance providers vary regarding policy features and costs. The best strategy is to find a package that is best suited for you. Car owners who are looking to save can benefit from tips on how to get fair deals on the market.Take advantage of comparison car insurance quotes online

You can save time and mileage by making use of comparison sites online. There are numerous independent sites that list insurance quotes from different car dealers. All you need to do is to submit a request based on your needs. In just a few minutes, you will be able to view cost estimates and policy details on every car insurance quote. Using comparison websites also allows you to narrow down the search to your local area. Due to the competitive nature of the insurance business, providers will also offer great deals and discounts to their online clients.

Take time to find a good deal

When searching for a Car Insurance by Youi quote, it is easy to get overwhelmed by many providers. What most people do is sign off on the first quote without much thought. It is important to remember that each dealer will have their own terms. Again, the details in the fine print must be reviewed to avoid complications in future. Once you have obtained different quotes, you can print them out. Pay close attention to the salient points such as the cost of premiums, deductible levels, coverage details, benefits, and discounts. This process may take time, but you will end up making savings once you secure a good deal on a car insurance quote.

block image

Ask the right questions

Once you have gathered quotes from several providers, you need to review then by taking a closer look. At this stage, it is wise to ask questions. Asking the right questions will help you to zero in on the best car insurance quote. If you have a list of issues, you can submit them through email. If all you need is clarification, you can call the agents. Pay close attention to costs such as administrative charges. These are hidden expenses that could end up weighing significantly in the long run. Getting relevant information helps you review your choices and make an informed decision on the car insurance quote.


A car insurance quote is not cast in stone. Do not shy away from negotiating a good deal with an insurance provider. There are several factors that can give you more bargaining power. If you add security features, the provider can be prompted to give you a better deal. Drivers with a good driving record with no DUI charges can also get a better offer when renewing their policy. If you have more than one policy with the same provider, you can gain a discount. Additionally, if you have insured more than one car with the same provider, you can get cheaper car insurance quotes. There are companies that will offer significant discounts on the second car insurance quote. To qualify for better deals drive carefully and consider adding safety features such as mobile car tracking devices.

What Is Landlord Insurance?

Published / by stepone / Leave a Comment

What Is Landlord Insurance?

Landlord insurance is intended to help take most of the financial risk from persons who rent out condos, apartments, and residential homes. Damages can occur to these rental properties due to things such as severe weather, burglary, and fire. With insurance, you can greatly reduce your risk of financial loss due to circumstances that are not under your control.

What Does Landlord Insurance Cover?

There are several different types of coverage that you can get included in your landlord insurance policy. These will vary depending on the insurance company you’re working with and the choices you make. Some examples are listed below so that you can better understand these potential options. Youi Landlord Insurance

Liability Insurance – This policy is geared towards helping landlords against liability lawsuits and claims. This covers situations such as injuries occurring on your property and instances where you’re found liable for damages, such as a leaky pipe destroying a tenant’s possessions.

block image

Property Damage – This policy covers the replacement costs of your property in the event of damaged or a total loss. Damages can occur from events like fires, storm damage, theft, tenant damage, or vandalism.

Income Loss – In the case your rental property becomes uninhabitable, this policy will reimburse what your rental income would’ve been had your property been available for rent.

These are just a few of the most popular forms of landlord insurance that are offered. There are some optional coverages that can be added on to any of these insurance policies. Some of these include:

  • Rent Guarantee Insurance
  • Natural Disaster Insurance
  • Landlord Contents Insurance
  • Employer Liability Insurance

How Does Landlord Insurance Work?

On a basic level, this insurance protects rental owners from damage to their property and any liability claims made against them. Let’s take a look at a few examples so that you can better understand how this type of insurance works.

If there were to be a fire due to a lightning strike that damaged your rental property, insurance would cover the cost of rebuilding. There are maximum coverage limits that are imposed on all types of insurance. At the time of signing the insurance agreement, you should be aware of the maximum coverage, so you know what the insurance company will pay out to fix your damages.

As with almost any type of insurance offered, you will be responsible for a deductible fee. This is an upfront charge that you must pay out in the event of damage before the insurance coverage will kick in to cover the rest.