We all have heard about property insurance but only a few know about the basic details. Here are a few questions answered about property insurance. Let us take a look! Why do I need a property insurance? Property insurance requires you to pay out an annual premium based on which your property and belongings will be insured to protect you in the event of any loss or damage occurring due to break ins, theft or other accidents such as fire or other natural disasters. Compared with the cost of having to replace large portions of your property if damaged, the premium on the property insurance is relatively low and provides a good safety net to fall back upon. What is the difference between property insurance and home insurance? Property insurance most typically will provide protections against losses incurred to one’s property on account of fire, theft and some kinds of damage caused by inclement weather. Home insurance, also known as home owner’s insurance is a type of property insurance that also covers personal insurance that covers losses or damages to one’s belongings that are kept on the specified property and also liability insurance which covers any losses caused due to accidents that happen on the property to oneself or others. In simpler terms, home insurance insures the people and objects as well. How much would it cost to insure my property? The cost of taking out property insurance would depend on the current market value of your property, factoring in the depreciation. If you have more open land than building on your property, it might be wise to calculate the premium cost based on the cost of rebuilding property than on land value. Also, ensure that you factor in the cost of all objects and possessions in every room of your house and on your property. Include all items that have been bought by you that would have to be replaced in the event of any damage. To this value also add a percentage towards inflation. Try to do a correct assessment of the value of your possessions as undervaluing may leave you largely uninsured, while over valuing may lead you to pay higher premiums. The average insurance premium cost annually for property insurance in the country is between US$300 and US$1000, based on the size of the property to be insured.

There are a few households that aren’t completely familiar with the name of Rachael Ray. If for some reason you’re only hearing the name Rachael Ray now, then you’re about to be blown away by this phenomenal cook and baker, and what she has to offer to you. Starting from her television show, Rachael Ray is the master of more than a thousand different recipes - both cooked and baked. And if that weren’t enough she also has a magazine and cookbook of her own that lets her reach an even wider audience. This means you can cook up anything that Rachael Ray says you can! Now, to take you a step closer, Rachael Ray Cookware has made it even easier for just about anyone - amateur or expert - to make their cooking more Rachael Ray-like. But if you have the slightest doubt, here’s a breakdown in the number of ways that Rachael Ray Cookware is better than your run-of-the-mill appliances. All around useful If you’re considering investing in a collection of pans and pots that are handy and don’t come with parts that you won’t know what to do with - then give a serious nod to Rachael Ray Cookware. The entire cookware includes the following:

• A large cooking pot: This is a must-have if you’re into stews and soups; both of which are some of Rachael’s favorite recipes. The large size of the pot means you can control the quantity with ease, making cooking for larger families easier than ever.
• A small and medium pot each: They serve the same purpose as a larger pot, only for those looking to cook in smaller portions.
• A sauté pan: This is one of the most underrated products in the market. A sauté pan is useful for frying up burger patties, or seafood-based items that cook fast and often end up sticking to the pan.

Stellar performance Rachael Ray Cookware excels where most other brands often flake up - reliable and stable long-term performance. The PFOA-free non-stick coating deserves a special mention - it’s more than a non-stick coating and goes a step further by making sure that there’s even heating all over the pot/pan. This is mainly due to its three-layer coating, all without adding any extra baggage on the Rachael Ray Cookware set.  

Identity fraud is one of the most common types of cyber threats that individuals and corporations face on a daily basis. Hackers and identity thieves can access, download, and manipulate sensitive information for their personal gain making identity protection a must-have service. Your digital identity, if compromised, can be used to steal money, take out loans, and authorize financial transactions in your name. The damage is already done to a significant extent by the time you realize your identity has been compromised. Some of the best identity theft protection services will offer tools that safeguard your identity against hacks and intrusions. Identity protection proves to be a beneficial investment as it also offers monitoring services for your credit report with major credit bureaus. The services perform common identity scans across public databases to check for any fraudulent use of your digital identity and notify in case of any discrepancies. The 3 best identity theft protection products and services The first step in identity protection is to secure your credit information with all major credit bureaus to ensure there is no misuse of your financial information. Most services will offer comprehensive protection for single users to secure information online, monitor activity, and detect any possible theft and misuse. Identity Guard One of the best identity theft protection product that offers comprehensive support to protect your information online. Identity Guard offers protection from synthetic ID theft, child ID theft, new account fraud, credit card fraud, account takeover fraud, and even tax fraud. Common monitoring systems provide artificial intelligence support, case management, risk management, and mobile application monitoring. The product also effectively detects any personal information misuse, tracks high-risk transactions, monitors bank account takeovers, and blocks sudden requests to open savings and checking accounts without authorization. Moreover, Identity Guard offers credit score protection, real-time alerts for changes made in your credit information, and provides access to your annual credit report. You can choose from three different packages available including value, total, and the premier package. The price range is between $8.99 and $34.99 per month depending on the package you nominate. IDShield The product is considered among the best identity theft protection services for providing comprehensive support for affordable pricing. It is also the only service that offers access to expert licensed private investigators to help track and restore your stolen identity. Although IDSheild monitors your credit from one of the major credit bureaus only, the services offered for information monitoring and recovery makes it worth the investment. The product includes basic protection features for ID monitoring, fraud alerts, consultation, credit freeze, recovery, and restoration all backed up by a $5 million service guarantee for customer satisfaction. The guarantee barrier is yet to be broken as IDShield manages to deliver on its promise time and time of being the best identity theft protection service in the market. IDShield mainly offers two distinct plans and pricing options for both single and multiple users. For just under $10 per month, you can purchase the basic plan for a single user or pay approximately $19.95 to cover multiple users. Identity Force The product offers an UltraSecure and Credit combo that maximizes its potential. The Identity Force unique combo offers daily monitoring across all three credit bureaus. Basic services include identity monitoring, fraud alerts, assistance for a credit freeze, reimbursement insurance of up to $1 million in case of theft, and assistance for identity recovery. Identity Force also features public record checks for similar offenses and offers a support staff for restoration and recovery assistance. The product can also take pre-emptive actions combined with automatic processing to protect your personal data and prevent any misuse of sensitive information. Among basic services, customer support is important and Identity Force offers 24/7 support for grievance redressal. You can purchase the ultra-secure version for a monthly charge of $17.95 or opt for the ultra-secure credit option for $23.95 per month. An array of features offered for an affordable price makes Identity Force one of the best identity theft protection services among popular alternatives.

Choosing the right wedding dress can be the difference between making or breaking the entire wedding ceremony. After all, all your friends and family will remember your dress. The photographs will stay as a reminder of one of the best days of your life. Therefore, it is important to invest in an exquisite wedding dress that is made for your body type. Even though every individual has a unique body, it can be broadly classified under a group. Get to know your body to get the most suitable wedding dress for your big day. Pear-shaped Go for a gown that gradually flares outward. A-line dresses will flow over your lower body while highlighting the narrowness of your waist. It will take attention away from the thighs and hips. Look for sturdier fabrics that would not cling to your body. Top Heavy Your wedding dress must have a scooped neckline. This will aid in opening up the face and display your most positive features without revealing much of the cleavage. If you love strapless gowns, you must choose a wedding dress that has a straight dip or a sweetheart shaped neckline. Don't go for a style that will run straight across as it will make your bust appear bigger. Plus Size In this case, you will need a wedding dress where the flare of the skirt begins right just below the bust and flows to the floor seamlessly. You should steer clear an Empire seam starting right from the chest. Also, there should not be any pleats on the fabric as it is reminiscent of maternity wear. The dress must play up and flaunt your shape. It should not be too loose as it will end up adding pounds. Apple Shaped A dress clinching at the smallest point on the waistline and gradually flaring down will be the perfect fit for you. You should look for a bodice which will add texture to the wedding dress. A lace detailing can camouflage and fit snugly. Choose a wedding gown with a V neckline. This has a slenderizing effect and will draw eyes towards the vertical features of your body. Tall A simple silhouette will bring out the best in you. Your aim should be to emphasize you're natural body shape. Choose a lower waistline and a floor-sweeping hem to emphasize your height. If you choose to wear long sleeves, make sure they run past your wrists. As you are on the taller side, everything will look good on you. Make sure that it doesn't look like you have borrowed your gown from someone who is shorter than you. With these few tips, you will be able to get the perfect wedding dress that will make you look like a diva on your special day.

Not every time we would be able to plan our vacation in advance. Often, we are left with no choice, but to make a last-minute travel plan. The most difficult part of a sudden vacation plan is booking a flight at a reasonable cost. Here are some important tips that will save you from the frustration and the extra money while booking your flight in such scenarios Search for flights in private browsing mode This may seem odd, but this is true that if you keep on searching the same route, flight prices will increase because they will want to persuade you to buy the tickets as soon as possible, anticipating a continuous surge in flight price. That is a part of their marketing strategy; don't fall a prey to this gimmick. Always search for your last minute cheap flights incognito. Know the best flight search engines To book your flight at the last minute, you need to know some websites, which will show the perfect deals as per your needs. Here is a list of few popular and consistent flight search engines:

• Skyscanner
• Momondo
• Google Flights
• Cheapoair
• TripAdvisor

But no search engine always provides the perfect results. Hence, to make the best out of it, make time to search in most or all of them. Choose the best day for your flight Whenever you go to a particular website to book a flight, you will always be shown different rates that are applicable on different dates. Choose the date that will be appropriate for you, which also has a low price. In this way, you will get the best last minute airfare deals. Find the cheapest airport to land If there are more than one airports in and around your destination, then check the airfare for both of them. You never know, there may be a price difference between the tickets for each of the airports. In the case of a difference, obviously, choose the airport with cheaper airfare, provided you do not face any problem landing there. Check round-trip fares even if you don't require them It may again sound crazy, but sometimes in the rarest of cases, a one-way ticket is much costlier than a round-trip ticket for the same journey. It is almost impossible to hear, but it really happens. And if you are lucky enough, you will find one such deal for yourself. Find the perfect discount voucher Some websites provide coupons before payment, which will give you an additional discount. You just need to find such websites. One such website famous for its discount coupons is Cheapoair. There are also websites that provide student discounts for travelers under 26 years. Staying aware is the key. Choose a longer layover People generally choose to avoid longer layovers. But they are the ones, which have cheaper flight rates. So choose such an option for a remarkable reduction in fare.

BBQ grills have become a mainstay in every home. Come summer and nearly every other house hosts a cookout on a daily basis. However, not too many individuals are fully aware of how to clean their grills once they use them. Here is a helpful guide to clean your BBQ grill properly. Opt for regular cleaning One of the secrets to maintaining a clean Kamado grill, for instance, is to clean it from time to time. While detailed cleaning is needed when you use the grill, you can simply wipe the grates and the exterior regularly with a cleaning agent to avoid buildup of dust and grime. Wash grates with a grill brush and soapy water Make use of an old sponge, a grill brush and a bucket of soapy water to clean the grates of your Weber gas grill. You may need to use the brush to scrape off the grime attached to the grates. Once the dirt and grime are off, wipe the grates clean with a wet sponge and allow them to dry. Wash the burner protectors The burner protectors present in the BBQ grills prevent dirt and grime buildup on the burner. As such, they tend to get very dirty and need to be cleaned meticulously. In case of most grills such as Broil King grills, these burners can be removed easily. Use the grill brush and sponge to scrub the protectors until they look shiny again. Wipe the burners It is essential that you clean the burners regularly to prevent them from clogging up with dirt and grime. The best way to clean the burners on Weber gas grills is to wipe them with a wet sponge. The grime should come off easily, failing which you can scrub the burners lightly with the brush. Remove dirt or grime at the bottom tray The plates underneath the burners of a big green egg grill can also collect dust and dirt over a period and use. All you need to do is empty the plates and clean them with a sponge. Make sure you clean the bottom tray located beneath the plates as well. Once that is done, assemble all the parts of the grill back into place, and you are good to go.