At least once a year, you may want to look over your policy to ensure that it will cover all of the possessions in your home and any additions that you have made over the last 12 months.
If a home has a sophisticated alarm system and/or a sprinkler system to prevent against fires, the insurance company may drop the price of a policy. Be sure to ask your provider and do the calculations to see if it will be cost efficient.
It is always a good idea to keep the deductible as high as you are comfortable with. A high deductible will substantially decrease your premium. Do not insure the land, because the land isn’t at risk of being demolished in a flood, fire or other natural disaster and you will save on your premium.
Make a list of your possessions in your household. The better documented this is the more likely you will be to be able to replace them. Make sure that you inform your agents of any changes that you make to the home so that if anything happens to the structure, the recent changes will be […]
Make sure that you are insured against whatever natural disasters are common in your area, because insurance against these differs. If you don’t specifically ask, you may not be covered. Be sure to insure for 100% of rebuilding costs. The price of rebuilding your home could differ greatly from the amount that your home is […]
Clearly you should always perform a good amount of due diligence when searching for any policy. Be sure to compare the differences in services offered and prices quoted. There are many discounts available for different things, don’t forget to ask if you qualify for any of them. Remember that the deductible will largely affect the […]
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