HO-6 – Designed for owners of co-ops or condominiums this policy provides personal property coverage, liability coverage and specific coverage of improvements to owner’s unit. Insurance provided by owner’s association normally covers most of actual structure. HO-8 – Home insurance policy for older homes that covers same perils as HO-1 but pays only for repair costs or actual cash value, since replacement cost could make policy costly. You will find that all of above home insurance policies are norm except for in Texas, where three types of additional policies can be purchased. They include: HO-A - Covers your home and possessions against named perils only, for actual cash value. HO-B - Covers dwelling for all perils unless excluded against all risks and contents against named perils. The house is covered for replacement cost up to policy limits, while contents are covered for actual cash value unless you buy additional replacement cost coverage. HO-C - Covers house and contents against all risks not specifically excluded by policy. Again, house is insured for replacement cost up to policy limits, while contents are covered for actual cash value unless you buy additional coverage.

Here’s a neat little bonus tip. When you have finished filling up your gas tank try turning nozzle of hose a full 180 degrees. This will drain a bit more gas into your tank; in some cases up to an entire half-cup that would otherwise be a bonus to next gas customer. Over course of a year an extra half-cup of gasoline will save you quite a bit of money.

One of biggest gasoline money saving tips I can pass on to you deals with octane of gas you put into your car. Most vehicles in today’s society are built very efficiently allowing you to put 87-octane gas into them. Trust me when I tell you that your car doesn’t need more expensive high-octane gas as long as you perform your routine maintenance. The amount of money you can save by switching to 87-octane fuel can amount to a large sum within a year’s worth of driving.

Two final money saving tips I want to pass along include avoiding “topping off” at gas pumps. When you purchase just a bit of gas at gas station pump doesn’t have enough time to really activate, resulting in short bursts of fuel that may short change you from amount of gas that you are purchasing. The best time to replenish your gas tank is when you have half a tank or less left in your vehicle. Additionally try not to drive your car when gas gauge is on empty. You may think that you using very little gas when your car is on empty, but you are in fact using more gas because your vehicle is running less efficiently as it tries to accelerate and decelerate in a normal fashion. Try to keep your gasoline level above quarter tank marker.

If you take time to use tips presented in this article you will be able to spend less on your total fuel bill and have a little bit of extra money to do with as you see fit.