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12 Ways to Save and Customize Your Homeowner's Insurance Policy
- Use An Independent Insurance Agent
They can price various companies and select the right one for you, price is not the only factor, you want a strong reliable insurance carrier. - Don’t Guess At Your Coverage
The cost of rebuilding your home might exceed your estimate. Consult your agent and determine how much you need to rebuild from the ground up. - Don’t Under Insure Your Possessions
Saving a few dollars up front could cost you a significant amount of money at a time of loss. Get a replacement guarantee for your contents. You don’t want to have your possessions depreciated at loss time. - Choose An Appropriate Deductible
The higher the deductible the lower your premium will be, also if you put in too many claims the company will cancel you!! - Schedule Your Valuable Items Art, Furs, Antiques, Jewelry, etc.
If scheduled the stuff is covered even if lost, no deductible will apply. - If You Have An Office At Home You Need Special Coverage
Standard policy has very little coverage for your home office but with additional endorsements you can get covered properly. Do it now. After a loss it’s too late!! - Make sure You Get Proper "Credits"
Alarm system discount, smoke alarms, multi policy discount, over 49 discount, no loss credits etc. - Don’t Ignore Earthquake And Flood Insurance
"It can’t happen here".... has cost many a homeowner thousands of dollars and countless grief. Neither peril is covered under standard policies... We can help you check them out. - Ask What’s Not Covered And Ask What Is Limited
That’s an easier way to understand the policy and the policy limitations. Don’t worry it doesn’t take long. - Find Out About Extra Liability
Don’t take basic liability coverage for granted... especially if you have "attractive hazards" such as a swimming pool or "frisky dog" or a fast boat. - Check Into An Umbrella Liability Policy
This policy pick up where your home policy or auto policy leaves off. It’s nice to have an extra million or two of coverage,....there are lots of lawyers out there...... It’s easy to hurt someone in a car accident. You’ll sleep a lot easier knowing that you have adequate coverage. "Stuff happens." - Most Important: Shop Around, Make Some Calls
You need to be comfortable with your relationship with your agent. Make sure they give you enough info, not just a quick or low price. These are your home and possessions. You want them insured properly and at a fair price. Price is important but service and good advice when needed is more important!! Losses do happen. Make sure your coverage is correct before the loss.