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| What Determines How Much Home Insurance I Need? |
| It’s not always easy to know how much homeowners insurance you need. Say you have a $100,000 home: your homeowners insurance coverage should also be $100,000, right?
Not quite. There are actually many more factors at play than just the market’s current price on your home, from structure to contents. The cost to rebuild your home Nobody has a crystal ball, so it’s best to factor that into your insurance. To calculate this figure, multiply your square footage by the per-square-foot building costs in your area. You should also factor in any additions you have made since initial construction and the specific style of your home. The cost of adhering to new codes Depending on when your home was built, you might have to adhere to new codes during a rebuild, which may add to the expense. Adding an endorsement to the policy could help you plan for this. The cost to replace what’s inside the home While you can’t cover sentimental value, you can insure the physical contents of your home. Take an inventory of your belongings so that you can plan for the cost of replacement if you ever need to make a claim. The cost of liabilities Liability insurance is what will protect you if you ever find yourself in a lawsuit because of your home, whether that’s a broken window or a dodgy porch leading to an accident. Sound confusing? We can help. Call or email us to figure out the best insurance plan for you. |
| Carbon-Neutral Airships: A New Way to Travel |
| In humanity’s quest to reduce carbon emissions and lessen our footprint on the environment, a fantastic breakthrough has been made in the UK with the advent of the world’s first carbon-neutral airship.
HAV (Hybrid Air Vehicles) is a British blimp-making company working on creating sustainable air travel for the future, decarbonizing one of the biggest polluting industries on the planet. Their latest invention is Airlander 10, a prototype airship that can travel 460 miles using a mixture of electricity and combustion. HAV says their new ship will reduce the average carbon dioxide emissions per customer by up to 75 percent and are aiming to have a fleet operational for short-haul flights by 2025. The initial routes they are looking to offer include flights between Vancouver and Seattle, from England to Northern Ireland and from Barcelona to Spain’s Balearic Islands. Furthermore, by 2030, HAV hopes to have a completely zero-emissions fleet, switching to all-electric airships and removing the element of combustion. After six test flights yielded a high success rate, the Airlander 10 prototype is now officially certified to fly in the UK, and the company hopes to have three ready for service by 2025. From there onwards, they hope to build 10 new airships per year. With the climate emergency as present as it’s ever been in the public consciousness, this is a breakthrough that will give genuine hope to many, paving the way for an optimistic future for a sustainable air travel industry. |
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